davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (NJ)

The Company is XXXX XXXX  ( Comenity/XXXX  ) XXXX XXXX Tx XXXX I took out a loan in XXXX for dental work done. On XX/XX/XXXX, the balance was {$19000.00}. I received an email reminder of the same balance on XX/XX/20. I phoned the company customer service number XXXX XXXX XXXX to inquire how much do I owe to close this debt? The representative informed me that the amount on the statement if paid in full prior to the due date XXXX XX/XX/20 XXXX, I would not owe any additional money on this account. 
XX/XX/XXXX, I paid the balance of {$19000.00} in full. On XX/XX/XXXX I revisited their online statement for my account which showed " XXXX '' balance and no payment due. 

XX/XX/XXXX, I received an Online Credit Statement indicating I owe {$130.00}? 
The statement they sent out list Previous balance paid in full, other credits and purchases XXXX, other debts XXXX, fees charged XXXX followed by interest charge {$130.00}. 
When I asked how do I owe interest on a XXXX balance, they said you are paying the interest of the original amount and I had to pay it and I will receive penalties if I do not. 
This is unfair practice when a consumer pays off a debt, than this company decides to add an additional fee, that will never go away.
Consumer complaint received 2020-11-27
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

My Synchrony accounts were closed due to bias and XXXX. They do not want XXXX XXXX  that actually responsibly pay back their credit to have many accounts with them. I have never paid any of these accounts late. They have violated federal lending practices.
Consumer complaint received 2020-11-27
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: Experian Information Solutions Inc. (FL)

On my Experian credit report the information on the XXXX account is incorrect as I have provided documentation to prove of the incorrect information on the XXXX/XXXX  account XXXX  have deleted the account from my XXXX  credit report as well as XXXX  has removed XXXX/XXXX  from my XXXX  Credit report for reporting incorrect payment history on my credit report the second account on my credit report is XXXX XXXX XXXX XXXX account they are reporting incorrect payment history on my report I have provided documentation for all these incorrect account payment history on XXXX  Credit report and Experian Credit Report there is incorrect payment history on my Experian Credit report for account XXXX XXXX XXXX XXXX payment history is incorrect this will be the last time I contact this company to get this taken care of with all these credit reporting companys Experian and XXXX  need to delete XXXX XXXX XXXX XXXX and XXXX/XXXX  from my report I will get a attorney and sue because this is really unfortunate for these two companys to report incorrect information on my file please delete last request
Consumer complaint received 2020-11-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (MI)

I have been a long term customer with Citibank. I currently have a mortgage with them through XXXX which is controlled by Citi. After receiving literature offering refinancing options and I submitted an application. The mortgage refinance process with Citibank began at the end of XX/XX/2020. The fees were paid, paperwork completed including providing all requested documentation, the rate was locked in on XX/XX/XXXX. 

The loan was provisionally approved XX/XX/XXXX, at which point a few additional items were requested and provided back to Citibank within several business days. 
Citibank then requested additional documents on XX/XX/XXXX, provided back to them by their deadline of XX/XX/XXXX. The rate was locked til XX/XX/XXXX ; the packet ( as they indicated ) was sent to underwriting. The closing was scheduled for XX/XX/XXXX Since that time, Citibank continuously requests additional information for example, my pay stub three times ( no change in employment since qualifying for the initial mortgage ). The closing date consistently changes ( at least six times ) a significant amount of my time has been wasted through follow-up and the 6+ months of paying a higher monthly mortgage rate. 

Most recently, an additional request for information and documents already provided was sent on XX/XX/XXXX and submitted again. Citibank sent an approval letter on XX/XX/XXXX. The next closing date was set for XX/XX/XXXX which matched the new rate approval expiration date. On XX/XX/XXXX, a message arrived that the closing would be rescheduled for XX/XX/XXXX at XXXX XXXX. A draft of the closing disclosure was sent on XXXX XXXX which confirmed the closing date of XXXX XXXX with a rate lock extension now to XXXX XXXX. I heard nothing and finally wrote to them on Friday, XXXX XXXX. A few hour later a text message arrived from the title company which indicated a person would drop by my home to sign the paper work. However, 30 minutes before the closing the the agent from the title company telephoned that they did not receive the paper work from Citibank and hence the closing was canceled. 

Citibank has cornered me because theyve collected my fees upfront, now there is a tax on all refinances in XXXX. My monthly mortgage payment is higher than the refinanced rate, and the amount of time spent on this transaction is beyond reasonable. In fact, their unprofessional behavior and consistent inability or desire to resolve these issues should be addressed and remediated. They have every incentive to continue with this behavior without penalty since they financially gain from the delay. I look forward to you looking into this and helping protect consumers against fraudulent behavior that causes financial and emotional stress.
Consumer complaint received 2020-11-27
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: FIFTH THIRD FINANCIAL CORPORATION (CA)

Called on XX/XX/2020 XXXX at 53 said I was in collection. Asked for supv. She left me holding another 40 minutes minutes total 1 hour 25 minutes. 53 refuses to send statements or process frauds and disputes.
Consumer complaint received 2020-11-28
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. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-28
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TD BANK US HOLDING COMPANY (NJ)

My auto finance loan was set up for auto pay. The last payment of my loan was never automatically taken and I had no idea. I had bought a home in XX/XX/2108 and I had moved from my apartment. My address was never updated. I never received a letter from TD Auto Finance that I was missing my very last payment of a 6 yr loan that I had paid monthly on-time, every time. I assumed the car loan was paid off. Around XXXX I received some vague phone calls from TD autofinance asking me for my information to confirm who I was. At first I was skeptical as I had no idea what they were calling about because they refused to give me any information and I thought the call was someone trying to obtain my personal information. I then logged into my TD bank account and realized I still had a balance which I didn't know why. I finally called the TD Bank phone number back and was told that since my payment was for less than my monthly payment, the Auto Payment wouldn't go automatically. I paid the balance on the phone that day and thought everything was ok. I recently applied for a credit card and was denied due to my credit report. I obtained my credit report and it states that I have bad credit due to this incident with TD Bank Auto Finance. I am unsure why this wasn't cleared. To date I still do not have any letter or email notifying me of my payment being overdue or the threat of this ruining my credit score. I am very upset since my credit has always been relatively VERY GOOD and this error was not entirely my fault. Shouldn't I be notified via email or at least within 30 days by phone of this issue and not 90 days later? What is TD Bank 's gain for not clearing this? I can't even login to their account for additional information because they closed my account since my loan is done.
Consumer complaint received 2020-12-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (LA)

Coinbase. 

I had been using them since 2017. Back then I bought XXXX for under a dollar. That's appreciated quite a bit since then. 

About four months ago I had a data breach. Someone remoted into both my computer and phone. So I purged all my data to keep it safe from the scammer. It worked. My funds were safe. They still exist. 

Since then I have been contacting Coinbase almost weekly to recover my account. Because their site forced me to use 2FA on my phone I haven't been able to recover my account. 

I've informed them tat I have current ID and a social security card to recover. They haven't even tried to help. 

Right now I don't even have enough money to spend on a pack of cigarettes. 

I can prove who I am, I've been in contact with them, they refuse to resolve the issue.
Consumer complaint received 2020-11-28
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. (AL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

Greetings. 

i sent a disputes letters to the credit bureaus sunch as XXXX, Equifaax and XXXX but they are not doing anything to solve my problem, I have inaccurate information on my credit report that is affecting my credit score, i want to resolve this as soon as posible.
Consumer complaint received 2020-11-27
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: Experian Information Solutions Inc. (DC)

My identity has been compromised from a numerous amount of sources after my id was lost / stolen. I been a victim of the dark web and of the XXXX  breach, all this has lead to unauthorized and unknown accounts that has caused my credit file to a ruin. I have demand a Method of Verification inwhich gives the credit reporting agencies the authority to report such findings. I'm now demanding that the inquirys associated with these accounts be removed and blocked from my credit files. Any inquiries made prior to today Friday, XX/XX/2020 we done fraudulently and or in association with this breach. All inquiries performed by me and credit profile concerns are Handled through XXXX XXXX and most recently XXXX XXXX. 

Furthermore the below reference account has not been removed from my Experian profile though it has been removed and blocked from my credit profile by both transunion and XXXX. However Experian fails to comply and remove the account. 

Collection account : XXXX XXXX XXXX {$450.00}
Consumer complaint received 2020-11-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

Tuesday XX/XX/XXXX around XXXX pm we left our phone in an XX/XX/XXXX Whoever found our phone whether it was the customer or driver took our phone and sent them selves a total of XXXX $ from our XX/XX/XXXX. XX/XX/XXXX did nothing to resolve as you cant even reach them by phone. Santander bank refuses to give us our credit back even though we have called over and over and opened the claim about 3 times since XXXX. They say we authorized the transaction which was impossible because the time stamps on the transaction were during the time the phone wasnt In our possession and in the uber! It happened around XX/XX/XXXXish and we didnt even get the phone back from the uber driver till around XXXX pm!!! XXXXXX/XX/XXXX santander noone has helped us in4 months and this person is just off the hook of stealing such a hefty amount of money from us! We wouldn't be fighting so hard for our money is we approved this transaction. We have never filed a claim or anything of any sorts to be told we are lying. Someone stole from us and the bank refuses to do anything g about it.
Consumer complaint received 2020-11-26
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. (LA)

On XX/XX/2020 when I submitted a dispute letter for those inaccurate and unknown accounts. over 30 days now haven't received a response. I was a victim of the XXXX Data breach. I want all those unknown and inaccurate accounts must be delete from my credit report or I will file litigation.
Consumer complaint received 2020-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

My identity has been compromised from a numerous amount of sources after my id was lost / stolen. I been a victim of the dark web and of the XXXX  breach, all this has lead to unauthorized and unknown accounts that has caused my credit file to a ruin. I have demand a Method of Verification inwhich gives the credit reporting agencies the authority to report such findings. I'm now demanding that the inquirys associated with these accounts be removed and blocked from my credit files. Any inquiries made prior to today Friday, XX/XX/2020 we done fraudulently and or in association with this breach. All inquiries performed by me and credit profile concerns are Handled through XXXX XXXX and most recently XXXX XXXX. 

Furthermore the below reference account has not been removed from my XXXX  profile though it has been removed and blocked from my credit profile by both transunion and XXXX. However XXXX  fails to comply and remove the account. 

Collection account : XXXX XXXX XXXX {$450.00}
Consumer complaint received 2020-11-28
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK (CT)

I have a mortgage with midland mortgage a division of mid first bank, out of XX/XX/XXXXXXXX ok. We pay our mortgage on time every month. We have had to contact them several times about posting our account as late, when it is not. We requested a print out of all of our history. Which we paid {$100.00} for which was not a full history and was not correct. They continue to send statements every month after we have paid our mortgage. And they dont make sense, with Outrageous fees that continue to occur over a period of time. We called for a pay off amount. They could not provide that either. This is Affecting us dramatically. We are in the process of waiting for a home equity loan. I have a medical condition and need to have a medically Necessary XXXX. That continues to be prolonged do to errors on the mortgage company part. Which are effecting our credit. We have worked very hard to get this loan. My life is at risk. My family and I where informed I should not wait any longer to have my XXXX. And this is causing things to be pushed out further then Necessary. We our completely frustrated with going back and fourth with them to correct this. We need this loan now. And this mortgage company needs to get there records in order. Its there Responsibility to their consumers and their customers. We pay our bills on time we expect things to be reported correctly.
Consumer complaint received 2020-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I used to have my student loans serviced through navient. I graduated in 1998 and was unable to pay the amount they wanted monthly. They never offered income driven repayment and kept putting me on forebearance. My {$3000.00} loan is now {$110000.00}. I did make some payments and then consolidated and am now with XXXX. Because they did not tell me about the income based repayment, I am now saddled with a large outstanding amount due to interest collecting. Never did they offer an alternative so that I could pay what I could afford.
Consumer complaint received 2020-11-27
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)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2020-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

Hi, I have something listed on my account named XXXX. However, Ive never had an account with these people. I reached out to the number listed and they said they can not give me access to account details because I am not the owner of the account. Makes no sense if its on my credit report in my name but I can access. I tried to dispute as fraud but I can not because they wont even send me any documentation to dispute. Ive been a victim of identity theft since 2007 please remove as I was never contacted and have no knowledge of this account and why its on my report. I attached my fraud alert and the account listed.
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

On XX/XX/XXXX, EQUIFAX MORTGAGE SER add a hard inquiries on my credit reports per Equifax ( the report does not include information about the creditor ) and XXXX.

On XX/XX/XXXX, XXXX XXXX add a hard inquiriy on my credit report per Equifax ( the report does not include information about the creditor ). 
On XX/XX/XXXX, XXXX XXXX XXXX  XXXX add a hard inquiriy on my credit report per Equifax ( the report does not include information about the creditor ). 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-11-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MiraMed Revenue Group LLC (PA)

XXXX XXXX XXXX ( XXXX ) failed failed to bill my health insurance for a boot and crutches ( " medical supplies '' ) I received ; instead, XXXX erroneously billed my hearing insurance for TWO clinic appointments. Under my health insurance, XXXX, medical supplies are fully covered, requiring no payment from me. However, because XXXX failed to submit the charges correctly, they are now trying to collect the debt from me. XXXX has admitted that the charges resulted from XXXX XXXX own billing error. Rather than taking action to correct its error, XXXX has continued to pursue collection efforts against me.
Consumer complaint received 2020-11-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

In XXXX my husband applied for a modification through the hamp program, he was approved for the modification, even though PHH, is dening he was approved ( i have the original paper work ). as part of the modification agreement Ocwen ( this was the mortgage at that time ), we were suppose to receive a credit towards the mortgage every month for 5 years of {$83.00} or 1/2 off the mortgage, whichever 2 were the lesser, we were also to receive a {$60000.00} forgiveness off the total mortgage of the loan, we did finally received the forgiveness money, after I inquired about it. my husband passed away in XXXX, and after going through some of the paperwork, I realized some the incentives were never done, so after the PHH the incentive of {$60000.00} was given ( I have the payment history statements from XXXX-XXXX ). but he issue still remains with the {$83.00} a month incentive was never give. PHH complaint is that we were late om our mortgage payments, which is not true, so we were not entitled to the incentive, if this true we would never received the {$60000.00} incentive ( this was done in 3 equal payments ) .I have on several occassions wrote to the research department about this issue, and have been denied each time, so if I can not get this matter resolved through this complaint department, then i will have to seek an attorney, please be aware that I am now the owner of the mortgage.
Consumer complaint received 2020-11-27
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: First Technology Federal Credit Union (TX)

On XX/XX/XXXX, FIRST TECH FCU add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX/XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.