davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-05
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)

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam, This letter is your formal notice to cease the unauthorized hard inquiries you are making into my credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX  XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX/XXXX  XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX  - Card Service Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX  XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks XXXX  - Card Service Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks XXXX  - Card Service Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2021-02-05
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO. (LA)

Ford Motor Credit keeps reporting my account to XXXX  late over and over. Now its showing that Im currently 4 payments past due, but the past due amount is {$0.00}. I have called multiple times for them to fix this only for it to never get corrected. XXXX  and XXXX  are reporting correctly. Its just XXXX  that Im having such a hard time with. Im not past due at all.
Consumer complaint received 2021-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (NC)

We refinanced our home with XXXX XXXX in 2020 and it was sold to AmeriHome Mortgage. We set up our monthly mortgage draft so that we would pay the specified amount to escrow each month with our mortgage payment. AmeriHome was supposed to be taking money out of escrow and paying our home insurance with it. They were taking money out of escrow but it was not being put towards our insurance. Last week, our septic broke and flooded gallons upon gallons of septic water back into our home. I contacted our insurance company to file a claim and found out that AmeriHome had not been paying our insurance company out of our escrow, so they canceled our policy and we were not covered for the damage. It took days to get a response from Amerihome and once we were able to we were told that they were " working diligently '' on a solution. Meanwhile, our family of four with small children including a baby sat in a category three disaster home. Disaster Relief couldn't start removing the toxic waste from our home because they didn't have anyone to send the bill to. They came to our home this morning to access the damage but could not start the process of removing the damage because they do not have an insurance company to bill. We are going on a week with no solution, and have been unable to contact XXXX XXXX, who is supposedly handling the issue at AmeriHome Mortgage. We are desperate for a solution but can not get the help we need.
Consumer complaint received 2021-02-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened an account with Bank of America # XXXX and deposited my check on XX/XX/2021 to fund my account. Several hours later I tried logging into my account and was told that the account was locked. I immediately called Bank of America and was routed to a department that advised me my account was going to be closed. I was shocked that Bank of America would suddenly close my account without any notice whatsoever. I did not even have the opportunity to make once debit card purchase or any transaction outside of my deposit. 

I now have no access to my funds and will face financial hardships. Bank of America has no regard or respect for its customers. They do not think to call, email or send a letter in advance. They arbitrarily closed my account, and left me with nothing. 

All of the criticism Bank of America has received for its handling of EDD issues and the now class action lawsuit its facing seems to be well deserved and merited. This bank does not care about its customers. It has left me out in the cold with nothing.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are accounts that are being reported on my credit file that I have never approved of. I am so confused on how something like this could happen. I am the only person who is authorized to use my credit and I have not given authorization to anyone else. Please look into this issue and have these files taken off my credit report.
Consumer complaint received 2021-02-05
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: OneMain Finance Corporation (GA)

On XX/XX/2020 One main Financial pulled a hard inquiry in XXXX  and XXXX Credit Bureau by sending a email offer to me. The email have a box saying Lets do it and I clicked just to check what was that about it and accidentally scrolled my phone screen and clicked in a box which was saying submit loan application and immediately I received 2 notifications of XXXX  and XXXX  saying the One Main Financial pulled my credit and I got a hard inquiry. I called to One Main Financial and explained what happened and they said They do not do anything about that on the phone and I have to send a letter to then and I did so after the 30 days by law to that respond me Ingot a letter saying the hard inquiry was legitimate and they do not will remove the hard inquiry from my credit then I sant another letter to One Main Financial saying to remove it from my credit bureau or I will sue the One Main Financial but after 30 days They did not heard back.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/year> : - Capital One is charging me {$430.00} for an account that I didn't open and authorize. 
- XXXX XXXX account open that I didn't authorize for {$1300.00}. I contacted XXXX about closing the account due to fraud and I didn't open an account for home or mobile. They informed me that in order to close I will have to pay the past due balance or it will be sent to collections. 
- XXXX XXXX charging me {$510.00} and I am unaware of and I didn't authorize any charges or opening of this account. 

XX/XX/year> : Debt collector XXXX XXXX XXXX has reported I owe {$8900.00} when my rent was paid by our florida and my county rental assistance program for my entire lease during covid-19 to the previous management. The previous management did not report that my balance was {$0.00} to new management and the new management is attempting to collect something I do not owe. This have been reported to my credit report and I want it removed.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

My Capitol One Credit Card account ending in XXXX currently reflects a late payment on XXXX of XXXX due to an incorrect " Date of First Delinquency Reported ''. 

I paid this charged off account to settle the debt with Capitol One and they have changed the date of first Delinquency. 

The " Date of First Delinquency '' should be XXXX of XXXX as reflected in my credit report from XX/XX/XXXX of this year prior to me paying the chargeoff. 

The dispute results confirm they have now changed this date to XX/XX/XXXX, this is not correct and should be changed back to XXXX of XXXX
Consumer complaint received 2022-06-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I was scammed by a person who represented themselves as an employee of XXXX XXXX XXXX XXXX XXXX ( XXXX  & XXXX ). I was told that my power to my house would be shut off immediately if I did not send payment through my Bank. I sent payment through XXXX at Bank of America from both my checking and savings accounts. The checking account payment went to XXXX, XXXX which is a fictitious company. Further, the number that I was asked to use to send the money turned out to be a XXXX number for someone in XXXX, Illinois. The payment from my XXXX Account, when I was told that the payment did not go through my checking account again was not affiliated with a gas and electric company. It went to XXXX XXXX which is a number in XXXX  Virginia. I immediately reported the scam to the XXXX XXXX Police as well as XXXX  & XXXX in XXXX XXXX. Regulation E is a regulation put forth by the Federal Reserve Board and is meant to protect banking customers who use electronic methods to transfer money.
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 — Account status incorrect
Company: CORELOGIC INC (CA)

Core Logic Credco has been reporting a 30 day late on my report XX/XX/2020. I've disputed 6 times and provided them a letter from XXXX XXXX explaining and showing I was not late. XXXX XXXX has removed it 4 times however, they continue to report again and again. This has gone on for 12mo and has stopped me from refinancing a property with an interest rate of 12 % costing me a lot of money.
Consumer complaint received 2022-07-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

Because I am a Citibank credit card customer, they solicited me to open a savings account. I opened this account on-line in XX/XX/2021. On XX/XX/2021, I responded to a request for information via fax. I deposited additional funds to the account several times over the last year until this month. At no time did I get ANY notification of any issues with the account - not any alerts, no letters, nothing on monthly statements. When I attempted to withdraw some money 3 weeks ago ( via an on-line transfer ) it was blocked. I have now called " customer service '' over 15 times and talked to over 50 individuals, many of the calls unintelligible. I discovered after the XXXX or XXXX call that Citibank put a hold on my account to prevent me from withdrawing ANY money in any way. I have now faxed documents 3 times and mailed documentation to an address I was given after my 7th call ( with delivery confirmation ). Initially I was told that " their system was down '' and they couldn't confirm document receipt. Now I am being told that my documents have been " rejected ''. Every time I get a different answer concerning who to talk to, what to submit and what will be sufficient to address this " hold ''. This has gone on for 4 weeks. MY MONEY IS BEING HELD HOSTAGE.
Consumer complaint received 2021-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

I requested my home mortgage be place in coivid forbearance in XXXX of 2020. In XXXX I reached out to Citizens One asking them to cease the forbearance and add the missed payments to the end of the lifetime of my loan and have my normal payments resume in XXXX. 

They told me it would take 45 days to process this request ( while my other back took 2 days ). I called back after 30 days and it was still processing. At 45 days it was still processing. At 60 days it was still processing. It took THREE months in total for them to approve the shifting of the payments to the end of the loan.

In the meantime I was being told I had to stay in forbearance or they threatened to report the missed payments to my credit, thus I could not resume normal payments. Even if I wanted to pay the mortgage-I was being threatened not to. 

On XXXX, five months after my initial request to end my forbearance, I was approved to defer the remaining payments to the end of the loan. 

I made my XXXX payment only to find that they applied it to the previous XXXX instead of XXXX. When I called to correct this and ask why my balance still showed as owing all the back payments, they informed me it would take several months for the " back end team '' to bring my statement up to date-thus DESTROYING my ability to apply for car loans, refinancing, credit cards, given it appears Im {$6500.00} behind on my mortgage.

Im still being told Im in " forbearance ''.

Based on their dates I now will have in total been forced into six months on UNREQUESTED, THREATENED forbearance I never needed or wanted. 

I do not understand the fraudulent, nefarious reasons for these delays by citizens one, but it is NOT in alignment with the intent of the COVID relief act and appears to be putting tens of thousands of borrowers like myself into potential financial jeopardy. 

I would like my account to be immediately set to the correct balance under the terms of their deferment plan and I would like all forbearance to end.
Consumer complaint received 2021-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (NV)

My XXXX XXXX  - XXXX  XXXX  XXXX was closed due to me paying with a new added savings accounts and radius couldn`t verified the name for ownership and crazy enough closed my account for just adding a new bank account to pay off the card completely without giving me a call or chance send in any kind of proof of ownership verification of the new account
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I have had my identity stolen twice now in XXXX when my house got broke into, in XXXX a lady from XXXX XXXX also stole me and my children idenity and XXXX when some lady from XXXX XXXX  hacked my XXXX account and XXXX  I have been through the ringer with these companys and with the data breach 's also it has totally trashed my credit and i can not get any help and it is affecting my life alot XXXX XXXX XXXX XXXX capital one and they have not communicated with as i sent multiple letters to them, you can look at my actual credit my history is good My kohls charge thats paid my home in XXXX i believe and other loans so, i am asking for help Thanks XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

i have reported an identity theft as well as made a complaint with the ftc in regard the matter and i have disputed accounts that don't belong to me. 
i received a letter from capital one and when i called in a reported identity theft, so i have to report this becasue this is not allowing me to apply for any other credit cards
Consumer complaint received 2021-02-04
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP (AZ)

I purchased a XXXX XXXX  XXXX  from Honda financial services back in XXXX and had one late payment in XX/XX/XXXX. In the 7 years I've been with them I've only had one late payment, I've sent out goodwill letters in XXXX and XXXX to forgive my late payment and I never received any information from them. I recently called and the representative said they came up with their decision back when they received my letters but I was never notified of any decision until now!
Consumer complaint received 2023-02-01
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. (MA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (IL)

Credit card balance paid off XX/XX/22 and balance should have been reported to credit reporting agencies as XXXX. Contacted Comenity director XX/XX/22 and was told system updated taking place I would need to wait 2 billing cycles. Recontacted Comenity XX/XX/22 after bill cycles passed and information was still inaccurate. 

Ive contacted all 3 credit reporting agencies to report they have received false information from Comenity. Each one told me to wait 30 days for updates.
Consumer complaint received 2021-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (WI)

In working with Citi cards. They reduced my line of credit down from XXXX to XXXX to the amount that i owed on the account on XXXX of 2020. Then they reported on my credit report that i had maxed out my line of credit. I get it covid and the need to protect their interest. But over the course of the next 11 months i paid on time and tried to pay more than the minimum. On XXXX I paid XXXX down on what i owed on the account and on XXXX they reduced my line of credit down again to the amount that i owed of XXXX. 

Their response was that my reduction was due to my credit score. Well my score stayed flat and even their fico score show only 1 point of movement. Well i ask these questions of citi card 1- If i make another large payment will my line of credit be reduced again ( their response was that they were not sure ) 2- I asked what step i needed to do to help increase my credit score with their company ( their responded was that they do not have any steps or process to improve the score. ) 3 - I asked if i had any late payments or covid paused on the account and they said i has a clean payment record for the past 5 year but they are not sure how this impacts my score.

4 i asked if there was another covid stimulus payment and i applied it to my account what would happen -- they responded that they would love the payment and were not sure if my line of credit would remain the same. 

Long and short citi cards at XXXX are destroying my credit and making it difficult to recover my credit score.

The reason for the large payment was to reduce the amount that i owed and get the maxed out line of credit off of my credit file. I certainly did my part my saving and making my payment on time so this line of acting is damaging to anyone who is trying to recover.

The fact that i am concerned with is that there is a lot of other people that once they are credit line maxed out their credit interest rate also will go up. I have seen other card that i have go up a point or 2 just because of this type of action.
Consumer complaint received 2021-02-04
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: SYNCHRONY FINANCIAL (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX and SYNCB/TJX XXXX. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is SYNCB/TJX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/2020, I made a purchase from a shop through paypal with my credit card for XXXX. My credit card is through Capital One. The items that I received were not what I ordered. I notified the company through XXXX, because they did not have a customer service phone number or email address. The company asked me to keep the items and that they would refund me 10 %. I told them no. They then asked me to ship the items back at my expense internationally and they would refund me fully. I told them that if they sent me a shipping label that I would happily send it back. They never responded and I escalated the claim to Capital One. This is the first time that I received a letter asking me for more information and they decided to close my case. I am not appreciative of this. I called and spoke with a XXXX, who on the call, states that he is the highest person in the call center that I could speak with and then directed me to the stakeholders if I wanted to speak with someone higher. I am not pleased with the service right now and I am not pleased with how he kept interrupting me through the call, and I am not pleased with how my claim is being handled. Not at all.