davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (PA)

I informed the company that I was deciding on a home and waiting to have seller resolve repairs. Mortgage company went ahead and did an appraisal without confirming I was purchasing. I have an email stating that if I didnt take the home I would be refunded. XXXX reports that they have an email stating I was purchasing from my realtor but can not produce
Consumer complaint received 2022-03-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (IL)

Comenity Bank opened an account on a card that I paid off without my consent with a collection agency XXXX XXXX and they want remove it from my credit report. You can not bill someone again after they closed the account thats against my right as a consumer
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Upon reviewing of my records, the following accounts are erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 



XXXX XXXX  XXXX / {$970.00} XXXXXXXX XXXX XXXX XXXX / {$0.00}
Consumer complaint received 2022-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I've sent off MULTIPLE letters to Equifax about my personal information being incorrect specifically my date of birth and provided them with two forms of ID so they could correct this issue. The first letter I sent off was on XX/XX/2021 and there was never an acknowledgment of receipt or any changes made when I pulled my report. I sent ANOTHER letter on XX/XX/2021 asking them to update my personal information to reflect the most accurate data and there was still no response. I sent off one last letter on XX/XX/2021. It is against the FCRA for them to willfully report inaccurate information on my behalf. The fact that this agency has neglected to demonstrate best practices when it comes to my information, it has caused me to lose faith in this system which is the very reason why the FCRA was created in the first place. I have been denied constantly for credit due to this information listed on my consumer report being inaccurate. I am seeking monetary relief in the amount of { {$4000.00} } for the negligence of this company. Not only have they neglected to update my consumer report, I am a single mother with XXXX XXXX  constantly being denied because there are inaccuracies listed on my consumer report withholding me from being able to properly care for my children and our financial obligations.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I did not authorize nor consent to the following inquires being furnished on my consumer report : XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX I did not authorize nor consent to the following addresses being furnished on my consumer report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I did not authorize nor consent to the following addresses being furnished on my consumer report : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America has violated the FCRA and CARES ACT 2020. I had a credit card with Bank of America, and during the pandemic I experienced several hardships. I requested for them to help with managing and restructuring the debt, however they sent the account to collections, and now they are suing me for {$42000.00}, most of which is interest. It is negatively affecting my life and ability to receive any sort of funding and help.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act the following companies have violated my rights : XXXX XXXX XXXX {$300.00} XXXX XXXXXXXX XXXX  {$380.00} XXXX XXXX {$630.00} XXXX {$910.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$300.00} XXXXXXXX XXXX  {$380.00} XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$910.00} 15 U.S.C 1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act the following companies have violated my rights : XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX  {$380.00} XXXX  XXXX {$630.00} XXXX {$910.00} XXXX  XXXX  XXXX  {$250.00} XXXX XXXX XXXX {$300.00} XXXX XXXX  {$380.00} XXXX XXXX XXXX {$400.00} XXXX  XXXX  XXXX  {$910.00} 15 U.S.C 1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MD)

On XX/XX/2022 i opened a care credit card through Synchrony bank to cover the cost of my pet 's emergency room visit. I did NOT opt in for the card security that charges you a percentage each month of your total bill in case of death or other reasons you can not pay the total bill. On XX/XX/2022 I noticed a charge on XX/XX/2022 for " Card Security '' in the amount of {$35.00}. I tried the chat feature to get it resolved and he said he could not assist. I called customer service, the first rep was unhelpful and sent me to a supervisor who was condescending and rude and transferred me to a different number who " handles '' card security, even though she was well aware they were not open. 
Once their office did open, I called and was told I opted in for this service, which I know I 100 % did NOT and then she said she would submit something canceling the service and ask for a refund, but could not confirm if or when this would happen. They do not answer your questions directly and intentionally try to confuse you. I have spoken to 4 employees over the phone, 1 via chat, and 4 messages sent via secure messaging and still have not received confirmation that I will be getting the charge refunded and have been unenrolled in a service I did not opt in in the first place. It is a scam to auto enroll a customer in a service they did not opt into and hope the customer doesn't notice the charges until it is too late. They treat you like you are the liar on the phone instead of realizing all these complaints are happening because there is either a glitch in their system that is adding this check next to the yes in error or they are just adding it without consent after the fact.
Consumer complaint received 2021-10-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Usaa bank put my account in review and said they would be closing my account in 60 days. My money in my account have been frozen for 60days now and when I called to report it's been 60 days they still won't close and release my money.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My XXXX XXXX XXXX only shows up / reports to only XXXX since XX/XX/XXXX. Not reporting to the other 2 credit bureaus * TransUnion & XXXX. 

XXXX XXXX credit bureau division has tried multiple times to insert the account to TransUnion and XXXX since XX/XX/XXXX. 

Account # XXXX Credit limit {$23000.00} Date of open XX/XX/XXXX Consumer status - Open Balance - {$0.00} Responsibility joint
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I had a car loan with XXXX XXXX. XXXX of 2021 the vehicle was in an accident and paid by the insurance company as totaled. At the time of the car loan, XXXX sold me XXXX protection and stated it would cover everything insurance didn't pay. Unfortunately this was not true and {$270.00} remained owed. But the issue with this, is XXXX NEVER told me I owed it. At all. They removed the account from my online account and never called or mailed any letters about the balance owed and instead opted to report this on my credit report. I talked to several managers who admitted this should not have happened and even provided supporting documentation. However, the issue still remains on my credit account. I spoke to a manager again, and they stated even though this is incorrect, there is nothing they can do for my report and I'd have to wait XXXX  years for it to fall off.
Consumer complaint received 2022-02-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical-Commercial Audit Inc (MO)

I am XXXX XXXX XXXX and I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the XXXX credit bureau and found that several MCA MGMNT CO accounts, with the account number XXXX was reporting to be negative on XXXX . I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2022-02-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Account Closed paid off by XXXX. XXXX XXXX XXXX XXXX Account XXXX Account Type : Loan Total Amount Due : {$560.00} Due Date : XX/XX/2021 Your payoff quote history is provided below. Payoff Quote History Date Good Through Quote Type Amount XX/XX/2021 XX/XX/2021 Online Payoff {$13000.00}
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

I applied to the Citi bank small business credit card ( CitiBusiness / XXXX XXXX XXXX Mastercard Credit Card ) sometime in XXXX and they were requesting a form 4506-C for the request of my tax return transcript. I sent via mail and they got back to me that the form has been incorrectly filled out and instructed me to send in via email to XXXX XXXX so I did send in that document on XXXX and called to get a confirmation that they received the document. I called 2~3 times just to make sure if they received the document and they confirmed. I called again last week to have an update on my credit card application and they told me that they received my tax return transcript from IRS and are processing it. I just called today and the representative stated that the application is canceled because I did not take any action for more than 30 days. 

I did send in the documents via email on XXXX and it clearly has not been more than 30 days. I would understand if the application is denied for a proper reason but I do not accept this credit card application cancellation. 

Application ID : XXXX
Consumer complaint received 2022-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: AMERICAN HONDA FINANCE CORP (KY)

My name is XXXX XXXX XXXX and the following complaint has already being filed with the XXXX XXXX XXXX. 
I live in the XXXX Ky area and in the months of XXXX and XXXX I made use of one of the city toll bridges, Honda Financial Services XXXX XXXX XXXX, XXXX TX as the leasing agency received the {$4.00} each toll fee bills from XXXX XXXX and failed to notify me as the leasing customer, causing the bill to turn into a Violation Fee for up to {$68.00}. It was not until XXXX, 6 months later, that Honda Financial Services sent me a letter informing me about the existence of such fees. 
Then, I contacted XXXX XXXX the Toll Bridge Agency, to initiate a process that was supposed to pardon or reduce my toll fees, as they understood that I never received such notices. However before that process could be finalized, Honda Services went ahead and without informing me, payed the {$68.00} toll fee, abruptly interrupting my fee forgiveness negotiation with XXXX XXXX. In less than a week then Honda sent me another letter demanding me to pay back the {$68.00} that they ''had to pay '' on my behalf, then i proceed to file a complaint with Honda XXXX since, they not only failed to informed me about the bill causing for the same to turn from {$5.00} into {$68.00}, but also disrupted my process of toll forgiveness with the XXXX XXXX agency by suddenly paying the bill when they knew that i was trying to dispute it. 

Honda has given me no explanation as a customer on why my claim was denied, as I tried to dispute this besides '' it was management decision '', no explanations on why i was not informed of the incrementing XXXX XXXX fee when they had 6 months to do it, why i never received an email, a phone call or a letter. Honda just waited for the fees to turn into a violation notice that could even have affected my good credit history, and not happy with that Im being held accountable for their poor customer service, poor management, poor communication and mediocre performance. The reference number of my case with Honda Services is XXXX.
Consumer complaint received 2022-03-19
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Google Compare Credit Cards Inc. (FL)

Somehow Google pay captured my new debit information from a payment I made then used that information to pay other accounts, like XXXX, XXXX XXXX which is a gaming app and XXXX XXXX which was a three month free trial. Today I got money deposited and XXXX grabbed all the money. I am XXXX, XXXX, and on a low pension and like everyone else who got sidelined when XXXX hit have been living on a really low pension. 

I am really tired of the aggressiveness of online companies like XXXX, XXXX, XXXX and XXXX in grabbing payments. I got a notice that XXXX was having trouble collecting funds. I am like okay, because they don't have the new debit card number and I don't even know why they were trying to charge me because I never gave the new debit card number nor authorized any payments. When I complained to XXXX about this they were not sympathetic. They want me to go without money so that the billionaires at XXXX could get richer. I talked to XXXX at XXXX and informed that this is XXXX  abuse and still still XXXX refused to give me a provisional credit, They wanted me to go without a debit card bec ause I won't be able to get a new card until middle of next week. I pay XXXX $ XXXX for priority service and they still discriminate against for be a woman, XXXX and XXXX. 

I do not understand why I have to be penalized over {$56.00} while XXXX and XXXX make millions. For me the hardship is that I can't buy food or pick up prescriptions without access to funds. I also fail to understand why XXXX insists on using call centers in XXXX XXXX that have no sympathy or empathy for the hardships I might be experiencing. I feel that my needs would be more recognized in a country that is not chauvinist and misogynist as everyone knows the XXXXXXXX XXXX where the dictator leader kills people who suffer from drug addiction.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Hello I sent in a letter asking Equifax to verify 2 accounts that were on my credit report that I do not recall ever being mine! They never opened up an investigation all they did was add remarks to the XXXX  XXXX account but never emailed nor sent me a letter regarding my dispute. The remarks dropped my score by 57 points. I am under the impression that I never received a fair investigation. 

Please see all my supporting docs thanks XXXX XXXX
Consumer complaint received 2023-04-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NY)

We were involved with the XXXX  XXXX XXXX XXXX in XXXX  which was the beginning of the problem. During that time XXXX  XXXX XXXX sold my mortgage to XXXX. A loan modification was completed. I was a single parent of young children and had some medical issues which kept me out of work. Mortgage sold again to XXXX. A loan modification was in process and I had already made the first payment. I was involved in a near fatal boat accident and spent 6 weeks in the hospital. Even after XXXX surgeries to save my arm I am permanently XXXX and was forced to medically retire. At the time when I got out of the hospital I immediately called and explained the situation. The mortgage company told me they already canceled the modification, and that they would not help or assist me further.

Mortgage sold again this time to Selene. Now I have a further reduction income due to XXXX and COVID-19. I hired an attorney to handle the modification however due to lack of IRS tax returns the attorney is demanding another {$3500.00} to start the modification process all over again.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The accounts are still reporting inaccurate on my report which needs an immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : charge offXX/XX/XXXX