davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I opened a credit card account with HSBC Orchard Bank on XX/XX/XXXX as a secured credit card, I closed the account not long afterwards, HSBC Orchard bank has kept piling on interest and late payment charges until XX/XX/XXXX when Orchard bank was closed and obtained by Capital One. Now a collection agency is now after me to pay this " debt '' which I feel is completely fraudulent. 
The amount of penalties is {$2800.00} which now will affect my credit, so I am being held XXXX buy this collection agency for this amount. Now a woman calls me last week wanting to settle the debt for XXXX dollars. Again another woman calls me today wanting me to settle the debt with a " Covid-19 Special '' for 75 % off to the amount of {$710.00}. I will not pay a dime for this kind of harassment over a card account that I closed years ago. 
Now HSBC Orchard bank is shut down and was sold or card accounts were acquired by Capital One Bank.
Consumer complaint received 2020-05-19
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: Santander Consumer USA Holdings Inc. (FL)

Santander Auto Loan is reporting inaccurate, misleading and false information to the credit bureaus regarding our Santander Auto Loan Balance. 

Account number : XXXX In Re ; XXXX  XXXX XXXX Subject : Fair Credit Reporting Act Violation, failure to correct billing and reporting misinformation to Bureaus. 

I have tried to resolve this issue and I was told I needed to send a letter I escalated the call and still nothing has been done to correct the billing or the misinformation to the credit bureaus. 

We have made our payments and we are upto date with extra payment on the account. However Santander Auto says we owe them a whole payment, that information is not accurate false misleading and is being reported to the credit bureaus. 

We are not behind on our car payments as a matter of fact we are ahead in these difficult times. Santander is not correcting the error and still chooses to report inaccurate misleading and faulty payments to our account. 

This is a major issue because it bears false light on our character and payment history and hinders or attempt to establish credit to purchase a home or other important necessity. 

I am therefore requesting a investigation into our account and need or credit report repaired because Santander Auto Loan is reporting false faulty information. 

And Santander is over charging us per month causing a hardship now and and at the end of the auto loan. 

.
Consumer complaint received 2020-05-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (OH)

XXXX XXXX XXXX got new management. The new managers had wrong statements about tenants and reported incorrect information to collection agencies. The collection agency and apartment agreed to delete the collection information from my credit report because I do not owe them anything. The collection agency deleted the information from my XXXX report in 2019 but did not update the information on my XXXX and XXXX  reports and are now refusing to delete the information after multiple disputes, evidence and requests.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-05-19
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: Experian Information Solutions Inc. (MO)

I have been receiving in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. XXXX XXXX {$450.00} XXXX  XXXX {$1300.00} XXXX  XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX $ XXXX XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$450.00} XXXX  XXXX   XXXX {$1000.00} XXXX XXXX {$1400.00}
Consumer complaint received 2020-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (MI)

I was doing some online shopping at XXXX last night XX/XX/2020 I received multiple emails about my purchases that they were declined so I went back to Cash App where my money is currently being held then as I Noticed the app said funds are not available but the current balance in my cash app is a little over {$4000.00} so I tried sending a dollar to my husband and it still said Funds is not available tried reaching out to cash app to no avail I am currently laid off from work and those funds are for my unemployment I can not pay my bills or rent if I can not access those funds
Consumer complaint received 2020-05-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NV)

I am behind on my mortgage which I take responsibility for. I have been trying to work with PHH Mortgage to get a loan modification. First, when I called the " relationship manager '' I was assigned in the papers that they sent to me, she told me she was not my manager and shuffled me off to someone else. I think I have had at least 4-5 relationship managers since starting the modification process. One only had one appointment available to talk and nothing else. They gave me a high modification payment that was based off my income plus child support. My ex husband does not pay his child support regularly and I tried to discuss that with them ( at that time he was three months behind ). I asked several times to talk with a manager and always received and excuse ( they were busy, all in meetings together, would call me back ), and never received a call back from one. I paid my XXXX modification payment in full. XXXX was when Covid hit Nevada. I was {$300.00} short for my XXXX payment due to missing a few days of work due to boss not having work for me and another day or 2 due to my elderly grandmother quarantining and not being able to watch my girls as usual. I wrote them a letter with my payment explaining as well as filling out their form online for Covid help. I paid XXXX XXXX   payment plus the {$300.00} from XXXX. I received an email last week stating I did not qualify for Covid relief and then this week I received papers stating the reversed my modification back to a {$1600.00} a month payment. I am a single mother that works and XXXX XXXX XXXX. I want to keep my house and am asking for them to work with me, which they do not want to do. I did some research and they have had a class action lawsuit filed against them for dual-tracking which I believe is what they are trying to do to me as I have around {$35000.00} of equity in my home. I called the XXXX XXXX XXXX  and they have an F rating with them and was told to file complaints with several other entities. I just want some help reaching a fair modification for my loan. I would also, like it noted that this was originally an 80/20 loan with the second having over a 10 % adjustable percentage rate and that I paid that loan in cash from my settlement and that should show that I am trying to keep my home.
Consumer complaint received 2020-05-20
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: Experian Information Solutions Inc. (AR)

I was informed by my salesman that I was not approved to finance a vehicle because of many derogatory items on my report. I then asked him to show me my report and there was a list of items that are not mine. Please remove these items from my report as soon as possible.
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

Please refer to my complaints XXXX, XXXX, and XXXX. They're all for the same issue that has not been addressed by Equifax. For each of the past seven years they have failed to provide me with my free annual credit report, as required by law, without making me first jump through hoops that seem designed to deter me from requesting the report. Rather than providing my report online, as the other credit reporting agencies do, Equifax requires me to print and mail a hard copy of a " valid document that shows your name, current address and complete social security number '' to them. I have provided this information to them as requested, in XXXX and again as requested in XXXX. They were able to verify and send my reports to me at those times. It seems unlikely that they simply forgot to update their system with this information each year. This year, in XXXX, in response to my earlier complaints ( referenced above ) they finally mailed my report to me, without my sending them anything. It seems they actually are able to verify my identity when they want to, so there is no need to require me to mail them anything.
Consumer complaint received 2020-05-19
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. (CA)

On Saturday, XX/XX/XXXX, I received an email from XXXX XXXX that an credit inquiry had been made to Equifax and was now on my personal credit report. The inquiry was from XXXX XXXX XXXX XXXX, XXXX, XXXX TX XXXX. 

The above mentioned inquiry is fraudulent and unauthorized. I am not an XXXX XXXX XXXX customer, nor have I authorized any inquiries into my credit history for them, nor am I or have I recently contact XXXX XXXX XXXX for any of their products or services. I reported this as a dispute to XXXX XXXX on Sunday. 

On Monday, XX/XX/XXXX I also contacted a customer service number for XXXX XXXX XXXX to gain more insight. Their representative could not help me nor could they locate any trace of an inquiry or service or product associated with my name, in their system. 

On Monday evening, XX/XX/XXXX, I received a follow up email from XXXX XXXX that they reviewed my dispute. However, their response was not at all helpful or conclusive. It read : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX. 

At this time, I am asking for the Federal Trade Commission to please review this dispute and consider deeming it as fraudulent so that it may be removed permanently from my credit report without further adverse impact. Thank you.
Consumer complaint received 2020-05-19
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. (CA)

Today XX/XX/2020 I went on my annual credit report to get a free copy of my credit report and I saw two accounts that I never opened. The accounts are from these companies XXXX XXXX & XXXX XXXX. I do not have any relationship or contract with either of these companies and I did not allow anyone to open the accounts I listed on this report. I don't know who opened these accounts on my behalf without my permission but I did not benefit anything from them such as money, goods, services or any other benefit and I did not make any purchases or payments towards those accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these two unauthorized accounts.
Consumer complaint received 2020-05-20
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX {$710.00} XXXX   XXXX XXXX {$670.00} XXXX XXXX XXXX {$62.00} XXXX XXXX XXXX {$29.00} XXXX XXXX XXXX {$750.00} XXXX XXXX {$340.00}
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (MD)

On XX/XX/XXXX my fiancee and I went to the Zales store in XXXX County in the Mall. We purchased a diamond engagement ring in excess of {$5000.00} and applied for a store credit card for {$3000.00}. We financed {$3000.00} of the ring and paid cash for the remainder. We have made our payments and have paid over {$2000.00} in payments over 2 years. The last time I looked at my balance it was under {$2000.00}. We kept making payments and just last week my husband was going to purchase a birthday gift for me and it said he had no credit which was alarming which in turn encouraged me to go online ( that's how we pay monthly ) and pull the full statement to see what was wrong. It was then I noticed we had been charged over {$80.00} a month in interest and a fee of {$1200.00} on XX/XX/XXXX when our balance shows was {$1900.00}. I called the store to inquire as to what was going on since I know we paid over {$2000.00} in payments already. They told us today that we had a promotional credit card with no interest for 18 months. Without any disclosure to us that on XX/XX/XXXX we would incur a fee int he amount of {$1200.00} for back interest. As we have been paying the bill monthly we saw interest coming out monthly but all of a sudden our balance shot back up to the original purchase amount. I attempted to resolve this with Comenity Bank/Zales and they were very rude and accused me of not making myself aware and checking my statements monthly. They asked for a manager and was given " XXXX '' and she was increasingly frustrating to talk with. Very short, rude and accusatory blaming us for the misunderstanding. Of course, we assume it is written in fine print somewhere but it was never disclosed verbally to us that had we not paid the purchase off in full in 18 months that we would be charged back interest at over 29 %. To us we feel extremely violated and robbed of our hard earned money. We are paying this card off immediately but felt it necessary to make the Federal Trade Commission aware of their misleading advertising and clear disclosure of such a scam. 

Thank you for your time and consideration. We just don't want this to happen to anyone else in the future. 

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX email : XXXX XXXX
Consumer complaint received 2020-05-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I have applied for a Hardship Loan Modification to reduce my Loan Rate from 7 % to 3-4 %. Why is Select Portfolio Servicing and XXXX XXXX are intentionally violating the Law by NOT reducing the Loan Rate from 7 % to 3-4 %? 

I write a Complaint, and the Complaint is not giving me the Mortgage Code Statutes supporting this FRAUD of a Predatory Loan. 

2 Questions : Where is the Code Statutes SPS and XXXX XXXX are using to support their 7 % Predatory Loan Rate of 7 %?? 

Why is the 7 % Rate NOT being reduced to 3-4 %????.
Consumer complaint received 2020-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FULTON FINANCIAL CORPORATION (MD)

I sent my self funds to my Fulton Bank ET AL account XXXX from my bill pay at XXXX XXXX. XXXX md sent check out XX/XX/2020   with a date of XX/XX/2020 as the latest date for check to be received & at Fulton Bank ET AL. I have utilized Fulton Bank ET AL 's online message center and have sent them MORE then 4 messages seeking for the XXXX XXXX bill pay check to my self to be credited with NO RESPONSE from Fulton Bank ET AL. I have encountered other problems with Fulton Bank ET AL during the Time I have been seeking to have my XX/XX/2020 check from XXXX XXXX for {$20.00} posted to my account ending XXXX PLUS INTEREST for their error. I have even send them a screenshot from my online ( internal ) message to XXXX XX/XX/XXXX in attempts to get proof Fulton Bank ET AL received & cashed this same check. I have enclosed copy of the check. XXXX XXXX is fully aware that the account numbers to be paid/deposited into is NOT PRINTING on their bill pay checks. Yet with this fact being FULLY DISCLOSED TO FULTON BANK ETAL, THIS DOES NOT RELIEVE THEM OF THEIR CULPABILITY NOR LIABILITIES NOR DIMINISH MY RIGHTS, IN ANY WAY SHAPE FASHION NOR FORM, WITHOUT TIME LIMITATIONS. In one of my online messages thru Fulton 's online banking message I asked about two issues, 1 being this XX/XX/2020 check from XXXX XXXX to myself sent to Fulton, 1 issue regarding pending electronic check deposit for my auto insurance. Fulton 's representative addressed my auto insurance pending electronic deposit and TOTALLY & COMPLETELY AVOIDED THE XX/XX/2020 CHECK FROM MYSELF AT XXXX XXXX TO MYSELF AT FULTON BANK ET AL DATED XX/XX/2020. I AM ENCLOSING WITH THIS COMPLAINT PROOF FULTON BANK RECEIVED AND CASHED MY CHECK FROM XXXX XXXX & PROOF FULTON BANK ET AL 7 HAS NOT POSTED THE FUNDS TO MY ACCOUNT ENDING XXXX. Their app for online from my mobile device NEVER SHOWS any messages SENT TO FULTON BANK ET AL.!!
Consumer complaint received 2023-02-14
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: Experian Information Solutions Inc. (CA)

I was incarcerated in XXXX until XX/XX/XXXX. Someone opened accounts in my name fraudulently. I went through XXXX XXXX and Experian to dispute these and these companies told me to report it to you also. The accounts are as follows XXXX XXXX XXXX  opened XX/XX/XXXX in the amount of XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX 3 XXXX XXXX  accounts dates opened are XX/XX/XXXX, amount XXXX XXXX XX/XX/XXXX unknown amount, XX/XX/XXXX unknown amount ( also XXXX XXXX for these dates ) XXXX XX/XX/XXXX {$550.00}, XXXX XXXX XX/XX/XXXX {$3500.00}. XXXX XXXX  XX/XX/XXXX {$460.00}, lvnv XX/XX/XXXX amount {$660.00} ( these are collections from dates XXXX XXXX XXXX XXXX. Also two XXXX Massachusetts addresses Ive never known or lived at. I attached my XXXX background check shows my dates I was XXXX XXXX  and how much time I got. To show XXXX XXXX XXXX XXXX. Along with my credit report.
Consumer complaint received 2020-05-21
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$31000.00} XXXX XXXX XXXX {$420.00} XXXX   XXXX {$430.00} XXXX XXXX XXXX {$170.00} XXXX XXXX   XXXX {$490.00}