davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
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: World Omni Financial Corp. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-15
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. (TX)

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. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX XXXX Balance XXXX {$180.00} XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

When I got the got the card before I used it I got a fraud larer. I call and activate the card and was told it was a fraudulent letter. It was mid XX/XX/2023 I then try to use the card and it's declined I call and I'm told I have to go to the bank this was between XXXX XXXX on XX/XX/XXXX I spend the whole day at the bank. I was not told I would need an appointment nor did the banker at the bank told me I would be waiting for over 3hr. But I waited, told it's fix and my information is update I go use it and it's block and I have to call again and told again it's fix and it work then this all happened on same day XX/XX/23. Today XXXX XXXX  it gets block again I'm on the phone for over 3 hr. I keep getting hung up or transfer. I'm told it can take 60days before a update phone is fully verified for them to send passcode to do. No back up system but go back to the bank. I'm told call back using their online XXXX XXXX that way we can verify your account and have access. I call back no I'm told that was miss information they have to do passcode it can take 60days but my promotional offer end in 60 their reply you have talk to customer service. I say I want to close my account okay I can do. I ask to speak to a supervisor because if they can close a account then that mean they can unlock it. I'm told samething since they can't send a passcode I have to go bank to the bank. I tell him to close account he tell me it can't be close because I owe a balance. I tell him no he can close that account and bill me. He claims he can't & I have to be transferred I get disconnected. I call back I'm told I was told to go to the bank to close the account. I told her this is 4th person I was not told that a supervisor told me he was transferring me to someone who can, she hung up. On the 7th person I get someone who finally close my account. They had no trouble verifying me in closing it out. This is extremely poor service for a brand new account. Horrible customer service kept being transferred. Kept being hung up to a point where I got so irate. I snapped at the agent and then they finally closed it. Each time I had to call back I had to wait 30 minutes and then when I was transferred to a different department that was an additional 30 minutes. I understand they were busy but this was ridiculous. Each time I talk to someone my hold time was 30 minutes before they pick up. It was only on my seventh try did I I got someone who finally did something.
Consumer complaint received 2023-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AZ)

Mr Cooper Mortgage increased my payment to XXXX from XXXX When I called to inquire the CSR had a myriad of reasons which were easily refuted. 
Then she informed me my escrow account was negative.. 
My statement reflected XXXX which is well over the 2 month reserve requirement. 
The she informed me I actually had XXXX in impounds! So I suggested my payment be revised immediately as I was never in arrears on anything. 
She then said it couldn't be done! 
After going through this I decided to check with XXXX complaints. Well there were XXXXXXXX XXXX of similar.. 
That's when I decided to look for who Governs these shoddy companies. 
Alas I found you.. 
I need help. We're XXXX on a fixed income.. 
I have never been late on my payments. 
I need help. 
Thank you XXXX XXXX XXXX
Consumer complaint received 2023-07-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Global Lending Services LLC (FL)

The fees that we charged from the auto loan from Global Lending Services exceeded the amount and timeframe of the loan. The loan should have been paid off and due to extraneous fees the loan was extended beyond the worth or value of the car. Not to mention the {$5000.00} that was spent on the car after the major manufacturer defect found on the car which consisted of the persistent money being spent on the car which should have been considered a lemon after so many recalls.
Consumer complaint received 2023-06-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (TX)

I was under the understanding that I was still under XXXX reporting protection for my mortgage. I was able to bring the account current with some assistance for the State but during that time I was reported delinquent for 2 months when I was under the understanding that it was protected. I declined the repayment plan because I was working to get the account made current. SLS reported my account XXXX delinquent for XX/XX/2022 and 60 days for XX/XX/2022. I have reached out to SLS for assistance with this problem without any success. Can CFPB help out lines of communication with the right department to get this simple issue resolved? The account is present and will remain current. 

Thanks
Consumer complaint received 2023-07-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Credit Beureaus have FAILED Miserably Once again. The Following Accounts are in clear violation and SGALLL be REMOVED IMEDIATELY! According to the IRS Government Agency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX UT XXXX : XXXX XXXX ADDITIONAL INFORMATION - Charged Off Account ; And also XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX : XXXX Account Number XXXX ADDITIONAL INFORMATION - Charged Off Account ; These account are being ran as charge offs. I have never received the 1099 cancelation of debt form and because of this the account isn.t accurate and must be removed immediately Furthermore If your debt is forgiven or discharged for less than the full amount you owe, the debt is considered canceled in the amount that you don't have to pay. 
Also if you have cancellation of debt income because your debt is canceled, forgiven, or discharged for less than the amount you must pay, the amount of the canceled debt is taxable and you must report the canceled debt on your tax return for the year the cancellation occurs.
Consumer complaint received 2023-07-01
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: Upgrade, Inc. (TX)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 U.S.C. 1681 Section 602 that states I have the right to privacy.

15 U.S.C. 1681 Section 604 ( A ) ( 2 ), states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-01
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 (TX)

Capital One closed the account. They were accusing someone of being abusive when the employees do not listen and talk over the customer nonstop. The company NEEDS TO STOP SENDING MY ITEMS!! THEY NEED TO STOP XXXX AND XXXX things to my parents house. THE COMPANY NEEDS TO STOP! 

If they continue to harass me they will have charges filed against them! I offered to settle the accounts with them, and they REFUSED payment. They need to stop asking me for money at this point! You were given the opportunity to resolve it! NOW LEAVE ME ALONE, CAPITAL ONE!!
Consumer complaint received 2023-06-29
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. (CA)

Hi. I got to get passes XXXX XXXX 's organized crime gangs that block me from viewing my real credit report. I am again at the XXXX CA public library surrounded by people angry over me typing this. Meaning they are viewing everything I am doing on my phone and computer. They will have all my personal information. Please do something about these people and this issue. 
Okay So, I've reported before that my ex-wife XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been using my information, my parents information, my brother who is deceased information and my Son who died information. She is assisted by basically the Mob I mentioned surrounding me and my Brother XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX. 
XXXX isn't even supposed to be in the country do to stabbing me in the arm. It was an agreement she made to avoid criminal prosecution in XX/XX/XXXX. 
She has been terrorizing me along with many gang and political organizations she misuses for person harassment and revenge. 
Recently I seen many many many inquiries, wrong ss #, mispelled my last name, changed information at the social security office such as my Mother 's name, stole my credit and created a XXXX XXXX XXXX XXXX XXXX And obtained tax programs and government grants. 
Also a salesman named XXXX from XXXX 's discount in XXXX CA XXXX. I bought a XXXX XXXX si at the end of XXXX. He scammed me by calling me every few days and saying he messed up and I needed to sign a new contract. It's a scam run by the auto dealership and this salesman. I basically bought 10 cars. 
I'm pushing to get my social security number changed and my ex-wife prosecuted and file a lawsuit against California. 
Please do something immediately
Consumer complaint received 2023-06-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (MN)

XXXX XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WA ( XXXX ) XXXX opened a Fraudulent account in my name along with a collection agency Hunter Warfield in XXXX, FL. 
I'm alerted by my XXXX XXXX XXXX XXXX XXXX Department who flagged these agencies as Fraud. XXXX XXXX XXXX XXXX lied claiming I owe them {$770.00} this account is not mine! I submitted a Police Affidavit required to the Credit Bureau 's already and Hunter Warfield Collection Agency has been DELETED and is being " Blocked '' from re-displaying on my credit reports. I do want to press charges against XXXX XXXX XXXX XXXX and/or Hunter Warfield for XXXX Theft. I have a complaint with the Washington State Attorney General XXXX XXXX and I was told today XX/XX/2023 to also contact XXXX Police Department to press charges, which I will do. My XXXX XXXX XXXX is working with the Fraud Department of my credit bureaus to stop and prevent these stated fraudsters from opening further accounts in my name.
Consumer complaint received 2023-07-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CO)

Today is XX/XX/XXXX I bought a Vanilla Visa gift card with a value of {$100.00} for {$100.00} this morning at XXXX XXXX from a XXXX store in XXXX, Colorado. I opened the card package to find that the card has 12 digits on the front, not 16 digits. Visa cards should have 16 digits. It also had no CVV code on the back. It should have a 3 digit code. 
I returned to the XXXX store and talked to the store manager. She said there was nothing she could do to help. I tried to use the card to make a purchase at the XXXX store with the help of the manager, but the card was declined. 
I called the number on the back of the card ( XXXX ) and after waiting on hold for 15 minutes, a representative answered and then hung up on me as I attempted to answer her questions.
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANKMOBILE TECHNOLOGIES, INC (NY)

Because I no longer have access to my old phone number and my email account XXXX  money won't let me change the phone number and email address so I can access the app and check out my transactions and you know everything that goes wrong with having a bank
Consumer complaint received 2023-06-29
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: FORD MOTOR CREDIT CO. (OH)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a end consumer credit car plan as late for any purpose.
Consumer complaint received 2023-06-29
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. (GA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  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 an 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 2023-06-29
Product: Credit reporting, credit repair services, 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. (GA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  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 an 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 2023-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

Agent XXXX XXXX with USAA required I provide credit card information after I reported a transaction in response to a fraud alert. One of the transactions if the transactional information bundled in the text would make it appear as a preauthorization in Texas for XXXX simultaneously while I was preauthorization on a gasoline transaction in Virginia XXXX Multiple member service representatives requested information from the credit card and gave verbal instructions on how to acquire such information through the application and website. Website was listed with a unique identifier XXXX after logging out. Application was listed as XXXX in the version.
Consumer complaint received 2023-06-29
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: EQUIFAX, INC. (FL)

I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed. 

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.
Consumer complaint received 2023-06-29
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX sc XXXX XXXX {$450.00} balance XXXX XXXX collection account added to my report
Consumer complaint received 2023-07-01
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. (PA)

To Whom It May Concern : I am writing to inform you of an inaccuracy in my credit reports regarding my name. I have noticed that the name XXXX, XXXX, XXXX, is being used instead of my correct legal name, XXXX XXXX. Please make the necessary changes to my records to reflect my legal name. 

I will send you a copy of my legal name document as soon as it becomes available. Once you receive it, please update my records and confirm the change in writing. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-12-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (MD)

On XX/XX/2018, XXXX at SunTrust Mortgage Servicing advised me how to mail a check of {$5400.00} from XXXX XXXX XXXX for fixing my roof. A XX/XX/XXXX cover letter to SunTrust 's Insurance Claims / Property Damage Department explained what I wanted done. XXXX 's check was made out to my wife and me as well as the mortgage companies. The first mortgage company, XXXX alone already endorsed it. XXXX said it would take 10-14 days to get SunTrust 's endorsed check back to us. 
On XX/XX/XXXX, SunTrust manager, Ms XXXX XXXX admitted over the telephone that SunTrust had illegally deposited the check and applied it toward the principal of its home equity line, rather than return the endorsed check to me. Note : neither my wife nor I had signed the check. 
The roofer was scheduled to start work on XX/XX/XXXX and I could not make the initial payment because SunTrust stole my money. Ms. XXXX assured me that this issue would be on an accelerated ladder, but she is still obligated to tell me that it will take 3 to 5 business days for the Research Department to look into this matter. 
On XX/XX/XXXX, I received a message from XXXX??? with SunTrust Bank, asking me to return her call. I have returned her call every day since then and left a message on her voicemail. No call from SunTrust has been forthcoming. No check from SunTrust has been received either. 

Luckily, the roofer replaced the roof on XX/XX/XXXX. But I haven't been able to pay them. And another check from the insurance company will be issued soon requiring SunTrust, XXXX, as well as my wife and I to endorse it before I can give it to the roofer for doing such a good and timely job. What am I to do?
Consumer complaint received 2023-07-01
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. (MO)

XXXX XXXX continues to report fraudulently a business debt opened on a different tax identification number to my personal credit report. XXXX XXXX is committing fraud by putting a debt on a different person. The fraud continues after reporting and disputing. No proof has ever been sent to me that this is my contract or has anything to do with me. All disputes have been ignored, and never really investigated as to the origin of the dead from a failed business seven years ago with a similar name. I have filed a fraud report with the FTC report number XXXX. The FTC report also includes Equifax fraud by reporting the same business on personal credit report. And never showing any proof of debt or contract. Equifax is also reporting a BJs club condemned the bank that is also a bit of time not related to me and XXXXXXXX XXXX which has never been proven to be mine or any contract provided or proof of real debt.