davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a credit card at BANK of AMERICA, number XXXX. 
In XX/XX/2020, COVID situation, Bank Of America informed to credit reports that i was delinquent. 
We are in pandemic and at this time was not been informed this lates. I lated but i paid! 
However, this information is at my CREDIT REPORT and my score in going down for that. 
I called to Bank of America and they want to open a disput. I don ; t want to disput, i just want to be excluded because we wwere at COVID situation and the ammount of XXXX $ was informed like delinquent. 

They don't want to exclude that, even i informed that all the banks were not reporting by Covid situation.
Consumer complaint received 2022-01-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not give your company consent to furnish any hard inquiries on my consumer repor. I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 


This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, XXXX XXXX, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted, I cant receive any XXXX XXXX.
Consumer complaint received 2021-03-02
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

on XXXX the XXXX someone withdrew XXXX dollers on my unemployment card the got my info somehow and stole my card info and becuase bank of America does not protect there unemployment people very well and so i filed a claim with them to get my money back the sent me a new card when i went to activate it said account froze its been two months and still dont have my card unfroze i have sent my verifaction to unemployment and and still nothing eveeytime i call unemployment or bank of america its somthing diffrent everytime its hust back and forth this is crazy i need my money im so far behind on bills rent and barrowed from family just to get the little things we need i have thousands of dollers on my card and cant even access my account to pay anything this is such a hardship we are already in a pandimic facing hardship then for them to hold my money is not ok i cant even go look for work becuse im dealing with a sick child on and out of the doctors all the time please i beg for help with getting my accvpunt going again please please and also is 5here a class action lawsuit i can do if u could please get bavk to me at XXXX again my name is XXXX XXXX from XXXX XXXX nv
Consumer complaint received 2020-04-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TIDEWATER FINANCE COMPANY, INC. (OH)

Tidewater XXXX  credit told me since Ohio was on gov't ordered quarantine until XXXX they would put payments on the end of the loan for 3 mos. I was told XXXX was taken care of and to call back for each ensuing month. When I called XX/XX/13, XXXX told me they would gladly put XXXX and XXXX payments to the end of the loan but now I needed to pay a {$100.00} fee to do so. This was never mentioned in XXXX. I asked if that went towards the loan and was told no, its their fee. I feel this company 's practice of charging a fee to do what they said they would is terrible during this time and capitalizing on individuals hardship. They rep said they understand most business is stopped and they are told to ask if customers receive a gov't stimulus check which can be used to pay the fee. I was shocked. They are giving customers the option to be charged a {$100.00} fee ( for their offer ) to do whats right or be reported to the credit bureau if you cant pay their fee. Shame on them!
Consumer complaint received 2022-06-28
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. (GA)

Transunion violated my rights by verifying the accuracy oXXXX XXXXXXXX XXXX XXXX XXXX  payment history. 

THE PAYMENT HISTORY IS INACCURATE. XX/XX/2019 was only XXXX ' days late ; not XXXX.
Consumer complaint received 2020-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

First things first, i dont believe that this company employs one respectful person. On XX/XX/2020, I called the company to pay my debt in full. I made sure to ask that a receipt be emailed to me, and was reassured that one would be sent between 24 to 48 hours. The full balance was taken out of my account, and I have yet to receive any confirmation or receipt that states my debt has been paid. I need this so I can apply for an apartment.
Consumer complaint received 2021-09-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MD)

I am in the process to complete the documents Mr Cooper is asking to approved my loan modification, every time i send a document they since to lose it or they just don't review and request the same documents 2 to 6 times. every time i called i need to explain that all those documents that they are requesting are already in their possession, it is very hard to understand why can the person in charge of reviewing my loan modification documents do not take the time to review all documents, i have provided all documents even more than 7 times they just sense like they don't care, so i call and speak to someone that persons find the documents and make a note on the loan modification after few weeks they clear the request but is been happening with every document i sent. to my understanding was nothing needs it from me but every time I check they ask for the docs. this is why i need to complain for the treatment Mr cooper give as a client, I'm ready to resume payments once the loan modification is complete but they just don't care
Consumer complaint received 2021-11-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My Capital One Auto Fin acc # XXXX I finance a XXXX XXXX XXXX XXXX  on XX/XX/XXXX for XXXX with 16.31 % ARP for 78 months. As of XX/XX/XXXX I paid XXXX and the balance was XXXX. On XX/XX/XXXX my vehicle was flooded by hurricane XXXX in Nj. My insurance company declared it a total loss due to the extensive electrical damages. The insurance settlement was XXXX. Capital One Auto Finance took the entire settlement and expects me to continue making payments of the difference of XXXX as if I still have possession of the vehicle. During the settlement process I needed a vehicle so, I borrowed some money from a friend with the expectation of getting some money back from the settlement. I now have another vehicle and a new car note. I can not afford two car notes. In the letter Capital One Auto Fin sent me they made it appear as if I was in an automobile accident, which is not true. My vehicle was damaged due to a natural disaster. To date they have received XXXX in 36 months and are expecting me to continue until they get XXXX in less than 78 months. This is unfair, I am not rich therefore I can not pay them. I dont want my credit to be messed up because of this matter. Please Help Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-03-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCarthy, Burgess & Wolff, Inc. (TN)

I have tried to reach someone at the collection agency and failed. I have called 4 times and had to leave a message to a " XXXX XXXX '' at XXXX, ext XXXX. It always went to voice mail and never a live person. I also emailed " XXXX '' two times providing my cell phone and email address and again no one ever responded from the agency. I found an alternative number, XXXX, and got an operator. They put me on hold for 10 minutes, transferred me to a collector and put on hold again for 5 minutes. Finally after validation, put on hold again. I called back went through the process again. Finally agreed on a settlement amount. To avoid me making a payment with the assumption of settling and they not living up to their end, I asked for confirmation email confirming our agreement. They would not offer an agreement and I had to take them at their word. This is very unsettling but I agreed to it. They said upon payment I would receive an email confirmation the payment and settlement agreement. That was nearly an hour ago. I called them again and they said the system sends the emails when it gets to them. While this may not be a violation of any Federal or State law, this company customer service is incredibly terrible and giving all collection agencies a bad name.
Consumer complaint received 2021-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I opened a Credit Card account with Capital One to repair my credit after bankruptcy. I set up payments with my new XXXX XXXX XXXX checking account. I did prior have both a Capital One credit card and an old XXXX checking account that has been closed for over 4 years. I started to make payments and first one went through and then the second was rejected and didn't understand why since funds were available. When I saw that it was going to go past 30 days past due XXXX sent another payment since I did not want my account to go late. That payment was also rejected and then thought I may have had a typo on account and went in and tried to fix but wasn't able to see account information so I tried to input account correctly but was unable to since it said that account was already available. This is the ONLY account I could see. I called Capital One on 3 different occasions and was told about the old account is what I was trying to pay from and informed them that was impossible since that account does not appear in the app I used to pay. After talking to 3 Managers and all telling me they would look into, my last call with Manager I was told they all should've told me there was NO recourse since new account and nothing they could do. They closed my account and reported me 20 days late that hurt my reestablished Credit. Told me to get lost and nothing I can do. This is WRONG and I am harmed for their technical issues, not mine. This hurts me with credit and so surprised no one treated me like a human with legit concerns on failure not mine. My account is closed and harmed my credit!
Consumer complaint received 2021-02-05
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: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-02-15
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. (CA)

Dear Sir/Maam : I am writing to dispute the following information in my file : XXXX XXXX XXXX XXXX, Account Number : XXXX You will also find this item circled on the attached credit report. The item I have identified is inaccurate because Of the Issues in closing the loan between XXXX XXXX and XXXX XXXX  I am requesting that this item be deleted in order adequately reflect my true credit history on the attached report. 
We opened escrow on XX/XX/2021 and the escrow office received the payoff amount in XX/XX/2021 the payoff was rejected do you XXXX had made the taxes and the payoff was rejected on XX/XX/2021. On XX/XX/2021, I started to received calls stating that my payment was missed, and it need to be paid asap. At this time, I was unaware that the escrow payment was rejected and returned to XXXX. I was never informed by either of the companies. I am now showing that I have a XXXX late in XX/XX/2021 for a missed payment that both companies stated was not due because of XXXX. The loan was paid in full + the taxes were paid twice. I was told by both companies do not make a payment. I have never missed a house payment!! 
In my calls to XXXX XXXX, this has been a very frustrating process to navigate at I have spend hours on the phone and to only be hung on multiple time. When asking to elevate my calls to a supervisor again after being on hold 1-2 hours the calls have been disconnected or I have been told that I will receive a call back have never received a call back. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I truly feel taken as advantage of. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been spoken very rudely to by XXXX XXXX on multiple occasion when trying to resolve this issue. As stated above, I have NEVER missed a payment on my mortgage and feel this derogatory mark is very unjust.
Consumer complaint received 2021-04-03
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: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

This collection agency is reporting to all three bureaus ( XXXX XXXX and XXXX  ) on my consumer credit report that a debt is owed to them. The debt is entirely inaccurate and incomplete and as such, represents a very serious error. I have not received any communications regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation of the Fair Debt Collection Practices Act section 809. Their negligence has caused me distress and is hampering my ability to obtain credit and housing.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I have student loans that are currently reporting inaccurate as delinquent accounts that should have been removed already. The accounts are causing harm to my credit score and are negatively impacting my credit application decisions. The accounts are in good standing by fed loan servicing and I can provide proof that they are not delinquent.
Consumer complaint received 2024-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I have been an XXXX Credit Card holder for some time. I had set up autopayment and nothing had changed with my bank account. They randomly cancelled my autopay and claimed that I did it, but I did not authorize this. I only discovered this when I received a late fee and interest charge on my account. I called, they removed the fee as a one time courtesy and I paid in full, but not before making sure that they confirmed autopay was set up. I verified my banking account information was accurate and saw on the XXXX website that it was there. 
Once again, for billing cycles in XXXX and XXXX, they did the same. When I called to inquire, I was told that I cancelled autopayment in XXXX, which is not true. Why would I do this?? 
When I called again today, I paid in full the amount that was due, but they refused to remove the late charge and finance fees stating they had already done this as a one-time courtesy in XXXX when I called. 
I asked for my account to be closed, and I paid the balance in full online, and asked the customer service rep to confirm it posted. She said it did, but when I asked for a confirmation #, she states she can not give me a confirmation # because they can not do that with online payments. She insisted on taking my payment over the phone but was going to charge me some random fee of {$9.00} and some change. 
I am reporting this because I feel as if XXXX did this with intent to collect money that was not due, and I am likely not the only customer this happened to. It is suspicious for fraudulent behavior and should be investigated with intent. 
This is the information from their website for you : XXXX XXXX XXXXXXXX XXXX. This site gives access to services offered by XXXX XXXXXXXX XXXX  which is part of XXXX XXXX. 
XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Credit Card Accounts are issued by XXXX XXXX Bank pursuant to a license from XXXX XXXX XXXX. XXXX and the XXXX XXXX XXXX are registered trademarks of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

A few years ago I had my identity stolen. Multiple lines of credits were made, and one was with XXXX XXXX. I called XXXX XXXX to tell them that this was not mine and we went through several steps and XXXX XXXX assured me that it was taken care of and I would not be charged for whatever was financed. THEN, after years of not hearing from them after the told me the took care of the debt, I get harassed my Midland Credit Management for the same debt. I do not owe this, it was not me that took out the credit. 

I will sue both companies for harassment and furthermore for attorney, legal fees, and mental anguish if this continues. 

The letter from MCM says the account number is XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXccount Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (GA)

Freedom Mortgage is a complete and total crapshoot. I feel as though they are refusing to even assess the documents FROM THE GOVERNMENT that I have provided that show PROOF of the appraised value of my home. They are trying to tell me that my loan to value ratio is only 96 % ( which doesn't even make any sense, since I put 5 % down, so technically with that math it is 91 % ). I received a letter from the tax assessor stating my appraised home value is {$240000.00}, which I submitted to Freedom Mortgage and asked them to kindly remove the PMI since I clearly had more than than enough equity in my home ( 78 % XXXX to be exact ). 

I have spoken to multiple people at multiple timepoints, including supervisors at Freedom to try to resolve this issue, and every time I get conflicting results. Last year when I called them, they told me the only way I could remove the PMI was to refinance. So, I went through the whole process of refinancing and once we finalized everything and I went to sign the loan document, they completely changed the terms of the loan and made it an FHA loan ( WITH PMI!! ) and the person in charge of packaging the loan stopped responding to all of my calls/texts/emails. Every time I called them, they could not get him on the phone and told me that since I was working with him on the loan, no other loan officer could touch it or answer any of my questions. I then was referred to his supervisor, who also completely blew me off, and eventually instead of discussing with me what the XXXX happened with all of it, they just withdrew my loan! Which not only XXXX me off because I never requested it, but also they had already ran my credit and it affected my credit score so I couldn't refi with another lender. 

They other option they told me I could do was to prove I had made substantial upgrades to the property. I told them what changes I had made ( upgrades to all electrical outlets, complete upgrade of downstairs bathroom and upstairs bathrooms, etc. ) and the woman on the phone said that " would not be enough to justify a reappraisal. '' Then, today when I called, the man on the phone said that WOULD be enough and that he would send me a letter in the mail to fill out every change/upgrade I have made to the home since purchasing it. 

Not to mention, every time I call Freedom, I am on hold for at least 10-30 minutes before I can even get to a live person because their menu is so absurd. I have wasted too much of my life on this so far and I am over it.