davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My debit card is through Bank of America. Starting on XX/XX/XXXX through XX/XX/XXXX I was hit with fraudulent charges totaling over {$600.00} coming from XXXX trips. The bank did not even alert me of the suspicious charges racking up I had to find the activity on my own through my mobile banking app. I reported the claim quickly on XX/XX/XXXX once I found the charges myself. I went through all the charges in question from XXXX for those dates with the agent. My account was temporarily credited for those charges while under investigation. So I assume everything is taken care of since these were clearly fraudulent charges because it would be impossible to rack up that many XXXX trips and I hadn't even used the app since XX/XX/XXXX. XX/XX/XXXX the {$600.00} plus in credits are now taken back out of my account. After calling XXXX  agent I find out that my claim was not ruled in my favor! After the agent looks into the claim we find out whoever the XXXX agent who submitted the claim made critical errors. He included a XXXX charge from XX/XX/XXXX and a few other small charges from a XXXX. These charges were never talked about in my initial claim when we went by each charge line by line. The agent tells me this is probably why claim did not go in my favor. So they now have to reopen the claim which could last up to 45 days for resolution. He files an official complaint on my behalf stating that it was an error on their end! Now I am out the {$600.00} plus overdraft fees that they charged me and no timetable for when my money will be refunded! They have now put me in an even worse position than the thief did in the first place! They tell me that they can not issue a credit for the charges while the claim is being reopened. Absolutely unacceptable customer service and now I am paying for their mistake and am out the money for who knows how long until resolution of the reopened claim!
Consumer complaint received 2020-02-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NY)

I have a buyer willing to pay the bank {$990000.00} and payoff {$300000.00} in violation and bank is refusing to accept. My credit will be ruined and I will never be able to buy a house if a foreclosure is reported on this property
Consumer complaint received 2019-06-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (TX)

They call on a daily basis, sometimes two or more times. I have sent several letters explaining my situation and telling them not to contact me or anyone else. They keep calling and calling. I have blocked them. They do not have a call back number that shows up on my phone. 
I have documented the following dates and times : XXXX XXXX XXXX 
XX/XX/XXXX XXXX XXXX 
XX/XX/XXXX XXXX XXXX 
XX/XX/XXXX XXXX XXXX and XXXX XXXX. 
XX/XX/XXXX XXXX XXXX 
XX/XX/XXXX XXXX XXXX and XXXX XXXX. 

This is only a small list of a myriad of phone calls that goes back months and months.
Consumer complaint received 2020-02-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

I have An Amazon credit store card issued by SYNCHRONY BANK FDIC. for about 5 years. The Bank gave me a bill due date on the first of every month. I receive a pension on the first of every month. No problem I thought. The first of any given month sometimes fall on a Saturday or a Sunday even a Monday Holiday. I TOLD THEM My funds a not deposited until the next business day. IS THAT A PROBLEM? AS LONG AS ITS PAID ON THE NEXT BUSINESS DAY. No problem I have been paying my Amazon card on the first of the month but no funds will be transfer until the next business day. I get a message when I pay my bill. It says paid on the first no late fee charged. sounds normal. My Mortgage lender does the same. its a norm in the banking world I thought. I explained this to Synchrony bank and they said there is no grace period. I told them why do the tell me I paid on the first no late fees and they charge me anyway? the customer service Rep just kept on saying there is no grace period. Deceptive practices. I have no control when the first of the month falls on the weekend. NOW they tell me I can move the bill due date to the XXXX every month ONLY after I asked. They assigned me the XXXX of the month to pay the bill. I had no choice.They did not aske me if this was ok and mention that there is no grace period and offer a later due date just incase since I am on a fixed income. I am sure they are reporting late payment to the credit borough. PLEASE HELP. THANK YOU XXXX XXXX
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MN)

I have placed and lifted security freezes in the past with Equifax. When I attempted to logon today to lift my freeze, the website would not allow me to log in. I called in to resolve the issue and was told my e-mail address was incorrect despite having used it in the past. I gave my name, address, DOB and social security number to verify my identity. Then I was asked numerous questions from my credit report. The questions were vague and difficult to answer including my mortgage payment ( refinanced recently and they were unable to tell me whether I should use my old or current monthly payment ) and my monthly minimum credit card payments. My monthly payments are usually XXXX  though there may have been some activity related to the recent holidays. The representative could not tell me which month they are referring to for the answer. I was also asked about a car loan that was closed in 2013 and NO I don't know who financed it since that was 7 years ago and my husband paid the bill. Then since my answers were " incorrect '' I was told to fax copies of my social security and driver 's license in and wait 5-7 days to be contacted. This delay is unacceptable. Asking these types of vague questions that are difficult to answer is also unacceptable. Please help Equifax be more consumer friendly while continuing to safeguard everyone 's private information.
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

There are several items on my credit file that exceed or reporting inaccurately. 

# 1XXXX XXXX XXXX  paid in full is not a charge off should not be reporting delinquent history. # 2 XXXX XXXX this account exceed the 7-year statue reported. # 3 XXXX XXXX this account was paid in full was. Please remove the inaccurate delinquent history. XX/XX/2015 through XX/XX/2015. # 4 XXXX Paid in full and I have the letter stating paid as agreed.
Consumer complaint received 2023-09-15
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. (CA)

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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or 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 2020-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MO)

I recently refinanced my mortgage and was assigned to LoanCare. I was shocked to find out that they charge you a penalty to pay online if you do not pay your mortgage within the first 4 days of the month. A traditional late penalty applies after the XX/XX/XXXX, but if you pay your payment online between the XX/XX/XXXX-XX/XX/XXXX it is  {$5.00} and if you pay it the XX/XX/XXXX-XX/XX/XXXX it is {$10.00} and if you pay it after the XX/XX/XXXX if is {$10.00} on top of the late fee. The bill is still on time any time between XXXX of the month. If my bill is on time, why and I being penalized? It does not seem legal to charge a penalty for simply paying online. This is an unfair and deceptive practice, especially when I have no control over my mortgage company ( which is an entirely different issue ). Homes are ( for the majority of people ) the largest purchase and largest bill and it is crazy that you not have any control over who services your loan. 

When I was first assigned LoanCare I went online and was surprised to see they have one star reviews on any type of review platform. I've yet to have some of the issues others have complained about, but as a consumer I should have more choice as to who services my loan and should certainly not be penalized for paying a bill online.
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (GA)

I have been attempting to reach my credit card company for over a week now. Calls and emails are not being responded to. Barclays manages my credit card and their customer service is not available during the worldwide pandemic. If you look up Barclays on XXXX you will see a number of people communicating with the company about not answering their phones. I have attempted to reach them about a balance transfer arrangement I am making with another company. Due to their lack of customer service support my account has resulted in late charges and additional interest. I have been trying to reach the company for over a week. Please help their customers find out when and if theyll be able to speak with or get an email response from a financial institution they are dealing with!!!
Consumer complaint received 2020-02-01
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: Bread Financial Holdings, Inc. (OK)

I found out this week that XXXX  has been submitting my credit report information to Comenity Bank twice a year for no reason what so ever. Since XXXX  has done this, my credit limit has been lowered on two of Comenity Bank 's Store cards. There is nothing in the literature from XXXX XXXX XXXX XXXX  and XXXX ( both are Comenity Bank Card ). I was not notified by those cards until I logged in to see my credit had been lowered. I do have an email from XXXX and XXXX XXXX XXXX that it was solely based on what XXXX  had sent them. The kicker is my credit report rating with them has gone up since I got these cards. The problem is, XXXX  did not have my permission to submit any information, I have a credit freeze on my report and I have my report locked as well. The information they sent over is false, misleading and highly inaccurate.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2023 a dispute was filed on my behalf by XXXX XXXX for a BANKRUPTCY ACCOUNT ( XXXX ) EXPERIAN is reporting on my credit report. As of XX/XX/2023 I have yet to receive any results of my dispute. According to the FCRA, credit bureaus have 30 days to respond to a consumer 's dispute or the account should be DELETED. It has been 50 days with no response from EXPERIAN, which places them in violation of 15 USC 1681 ( i ). The only remedy for this matter is for EXPERIAN to delete this BANKRUPTCY ACCOUNT ( XXXX ) immediately. I intend on holding EXPERIAN liable for any undue financial hardship I've suffered by there negligence of the law and violation of my rights unless this DELETE this account.
Consumer complaint received 2019-08-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (IN)

On XX/XX/2019 Huntington Bank confirmed our XXXX XXXX XXXX account for bank to bank transfers. Prior to confirming our XXXX XXXX XXXX account Huntington Bank had electronically transferred funds from our credit union to pay a car loan where the car had a lien Huntington Bank released as apart of official Indiana state records. Huntington funded our checking acct by electronic transfer from XXXX XXXX XXXX on XX/XX/2019, our savings acct was funded by a paper check written from XXXX XXXX XXXX acct. On XX/XX/2019 I requested to move our entire acct balance at Huntington back to our XXXX XXXX XXXX acct. Huntington on XX/XX/2019 claimed the transfer was stopped by the federal reserve bank stating the account information for the XXXX XXXX XXXX acct did not match. Huntington has refused to credit our accts for the funds stating the funds were kept by the federal reserve bank. 

$ XXXX vanished from Huntington acct and those funds were not credited to our XXXX XXXX XXXX act or returned back to our Huntington acct. We have been promised those funds would be back into our act no later than start of business today XX/XX/2019. Those funds were not returned to our Huntington Bank account and they were not deposited to our XXXX XXXX XXXX act. Both the Huntington Bank and XXXX XXXX XXXX accts are joint with the same owners. 

We have attached proof Huntington Bank routinely withdrew funds from our XXXX XXXX XXXX for a car payment. We have proof of deposits made to Huntington Bank where they transfered {$1000.00} of {$6000.00} in funds electronically from our XXXX   XXXX XXXX act. 

We have attached proof of statements of Huntington Bank detailing our funds were on acct in their bank. We have proof of their emails stating they could not transfer our funds back to the same account they were drawn as fraud.
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I co-signed on a lease and the other party was unable to complete the lease term so the vehicle was voluntarily surrendered. Toyota Financial placed the account in collections and I subsequently reached a payment agreement with the collections law firm. I have started making payments and was told by the law firm that Toyota will update my payment status with the credit agencies. 
On XX/XX/20 I called Toyota to check when my account status will be updated from Collections/Charge Off to Pays as Agreed. I was advised by the customer service agent that it will not be updated to Pays as Agreed and will only be updated to Paid in Full when the account is fully paid. This status is affecting my ability to be approved for financial aid for my studies and I would like Toyota to update the status to reflect the fact that the account is being paid.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (KY)

There are things on my Experian credit report that are either incorrect, wrong or need to be removed. Please see the list below : Addresses : XXXXXXXX XXXX XXXX XXXXXXXX, KY XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX  XXXX XXXX, KY XXXX XXXXXXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX , KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX, KY XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX A XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX Phone Numbers : ( XXXX ) XXXX ( XXXX XXXX XXXX Social Security Number : Listed twice : XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXXncorrect Names 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 Hard Inquiries : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Soft Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: MOHELA (NC)

I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 

XXXX - {$2500.00} XXXX XXXX MOHELA/DEPT OF ED XXXX - {$3600.00} XX/XX/XXXX MOHELA/DEPT OF ED XXXX - {$3500.00} XX/XX/XXXX MOHELA/DEPT OF ED The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report. It has come to my attention that I did not receive a copy of my billing statement for the months listed above which is required by the law at least 21 days before the payment due date. Pursuant to the provisions of 15 U.S. Code 1666b - Timing of payments.
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CO)

In XXXX I was purchasing a new home. My loan officer asked me to unlock my credit. I had locked my credit with XXXX  and XXXX, because they offer free online accounts to lock and unlock ones credit at will. So I unlocked XXXX  and XXXX. My loan officer came back to me and said, Experian is locked too. Experian charges {$25.00} for the ability to lock and unlock at will service. I was surprised. When I went online to research and remove the credit freeze, I noted that an email address not associated with me had set up the freeze. It was very scary. So I worked with Experian to remove the freeze temporarily and change the email address to my email address. I also asked them to mail my PIN since the person who created the account is the only one who has access to the PIN. I still have as of yet to receive the PIN. I am currently trying to replace the vehicle we have and the company needs my income in order to do so. I tried to go online and lift the freeze, but they are stating that I need to mail in the request, which I am now forced to do. I can't upload the information, even though they offer that if I wanted to just pull my credit report. I don't want to pay {$25.00} a month to control my own credit, so I have to snail mail in my documentation forcing a 5-7 ( not a confirmed timeline ) day wait for me to access my own credit. I feel this is their way of giving consumers no other option but to pay {$25.00} a month to access their reports. If it wasn't, I should either be able to upload information or answer questions about myself and access my credit. Hopefully the lender will work with me because they were able to pull my XXXX  credit, but they only use Experian for final approvals. This is an unfair practice where I am unable to have access to my own credit. I should never have to pay to have access to my credit in real time. XXXX  and XXXX  do not force me to pay to do that. I believe actions should be taken to force them to allow access to real time credit. Other services can be paid services, but it is my credit. I should control the lock and unlocking of it. IT is stressful because of someone else I have to go through so much for my own credit.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX : {$380.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$380.00} XXXX  XXXX XXXX Balance : {$6500.00} XXXX XXXX Balance : {$370.00}