davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

so this is second time the bank has frozen my account. I went to a near by branch to help me unblock my account so I can be able to use my card, so I can put gas in my car. Mind you, I was already on my way to my job training at work, when I my gas light came on. Me already knowing that my account was blocked and I was not able to use my debit. I had to wait for a branch to open which it was a Saturday XX/XX/2021. I walked into the branch and explained to the banker my situation. So unblock my accounts, a banker had to call the fraud dept, so the banker can let the rep of the fraud dept know, and verified my identity. In which the banker was on the phone for over 2hrs. And I had already let my trainer know, that I was going to be late. Since the banker took over 2hrs, I could not make it to my day of training and was told that a HR rep would call me.
Consumer complaint received 2021-06-17
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: EQUIFAX, INC. (CA)

Equifax is continuing to report XXXX XXXX in error on my credit report. I disputed the item with no results. XXXX  has already deleted this item because after proper investigation, they proved the error to be inaccurate and invalid.
Consumer complaint received 2021-06-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION (CA)

I have been recieving phone calls for months, they will call twice in the morning and twice in the evening all week long. This is interrupting my life while on other important call, at work, praying, family time. This is completely disrespectful and against the law. I am exercising my rights as Credit Acceptance Corporation has violated my right under 15 usc 1692c subsection ( 1 ) and ( 3 ) I never gave Credit Acceptance Corporation any prior consent to communicate to me. Credit Acceptance Corporation had also violated 15 usc 1692d subsection ( 1 ) by threat of use of other criminal means to harm property of any person. Subsection ( 2 ) The use of obscene language. Subsection ( 5 ) Causing a telephone to ring. XXXX1 was the last day I notified they to not contact me while on the phone I had to let them know it's a violation under 15 usc 1692c.
Consumer complaint received 2019-08-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: LOBEL FINANCIAL CORPORATION (CA)

XXXX XXXX gave me a loan for finance my XXXX XXXX I had just got it was my first car I ever got and I was always on time with payments but I ended up going to XXXX and I missed one payment cause I was in XXXX so as soon as I was released from XXXX I rushed home to make the payment on the phone and they told me my car was already sold in auction I told them I have prove I was in XXXX that's the reason I couldn't send the payment my dad tried to make the payment for me but they didn't want to take the. Money until I got out and now they say I owe them
Consumer complaint received 2023-02-21
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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
Consumer complaint received 2021-06-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC. (MD)

I just recently opened up my HSBC checking account online they then did a verification trial deposits to verify my identity as an extra layer of protection I could understand that at the same time on the account opening process I put in for {$100.00} deposit for the opening deposit they took that out I set up my online ID add this past Saturday I did a mobile check deposit in the amount of {$200.00} so this is a total of {$300.00} all of a sudden they close my account down telling me that due to informational mishaps that did not match they close down my account immediately even though I have money in that account the person that I spoke to on the phone could not give me any information he said that its a back office that handles all this and I suppose the back office no one can get a hold of I want my money back Im not gon na sit around waiting however many more weeks months or whatever its going to take this is ridiculous not only that its a department that no one can get a hold of supposedly and the gentleman told me that I will be receiving information about whats going on due date as of todays date I have not received anything about my account being closed when I will receive my money back or anything I have been trying to get in contact with this oppose the back office now for about a week and no one can give me any information on how to get a hold of this supposed department I want to be able to walk into a HSBC branch and my funds be given to me in cash Im not waiting for a check you guys debitMy account electronically so then you should be able to put the funds back the same way you took them you guys take peoples money and then close down accounts and then come up with a department that now I can get a hold of that is not right
Consumer complaint received 2021-06-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am very disappointed that I have to file a CFPB complaint on the consumer reporting agencies. They have blatantly ignored all of my letters. I have sent letters on XX/XX/2021, XX/XX/2021 & XX/XX/2021. I have not heard a response yet! This is ridiculous. I have sent letters in regards to the consumer reporting agencies violation my consumer rights! 
Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress said ANY card, The Credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.
Consumer complaint received 2021-06-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (CA)

PHH Mortgage is refusing to respond to our request for the payoff statement to our current loan. The original loan was only under our father 's name and he passed away few years ago. The title of the property has been under my parents, myself and my wife for the last 15 years. After my father passed away, the title ownership continued to remain to 3 of us due the the joint tenancy in the title. Our loan officer originally requested the payoff from PHH on XX/XX/2021 which included the following documents. 

Full appraisal of property due to PHH demand for an appraisal Death certificate of our father, XXXX XXXX XXXX XXXX of me and my wife Written Certification and authorization form signed by us to request the payoff Title records showing legal proof of ownership of the property It took PHH mortgage 's XXXX department 3 weeks to confirm that the title records show sufficient proof that we are the legal owners of the property. After that they claimed that it would take 4 business days to receive the payoff statement. Today we received another email from PHH that we do not have sufficient authorization to request the payoff starting the process all over again. We are not sure whether they are doing this on purpose or that they are that incompetent. All we know is we have wasted our time and our loan officer has advised us that it would cost us additional {$1600.00} in fee to extend our lock for the refinance if we can not receive the payoff statement immediately.
Consumer complaint received 2021-06-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (GA)

My FHA mortgage has been in forebearance due to member of the household being affected by the pandemic. I have been trying to reinstate my mortgage since XX/XX/2021 with a COVID 19 no doc partial claim. Mr Cooper has refused to evaluate my FHA loan for COVID 19 loss mitigation instead insisting I apply for a regular loan modification, or regular partial claim that requires extensive documentation and waiting for an approval. I have submitted updated ML XXXX as proof I qualify for a no documentation COVID partial claim. I have stated I have the ability to resume my regular payments and I live in the home. I never applied for or was approved for a government trial payment plan. ( A TPP is not required by the cares act ) Mr Cooper is refusing to follow the laws governing The handling of FHA mortgages. As set out by the cares act and updated ML XXXX. They also seem to be engaging in punitive retribution against me for complaining, through increased aggressive collection, and inaccurate reporting of their activities.
Consumer complaint received 2021-06-18
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: EQUIFAX, INC. (CA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2021-06-17
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: EQUIFAX, INC. (TX)

I am extremely dissatisfied that my disputes that have been sent via mail and fax are not being processed. I have called Equifax several times and get the same response that they have not received my disputes. Even after suggesting that I fax the disputes, after doing so Equifax still claims to not have received disputes. As a consumer this is unacceptable. I have enclosed all my previous disputes that were sent and claimed to have not been received in this letter which has been sent via certified mail. Each dispute sent previously has been in accordance with the rules Equifax has set out on their website. Identity verification documents should be on file for three months so the constant sending of an ID card and proof of residency would not be necessary. Even if sent in error, this mistake should be communicated with the consumer and their dispute should not just be thrown away.
Consumer complaint received 2021-06-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TRUIST FINANCIAL CORPORATION (GA)

Husband contacted SunTrust regarding a vehicle loan in XX/XX/2021. He asked for Covid relief for 3 months due to his job loss. He was told he could have up to 6 months payment suspension. 

SunTrust claims they never received a call regarding the loan. On XX/XX/2021, the vehicle was repossessed due to nonpayment. No one ever contacted us to ask about the missing payments or sent any written notices. Should this have been handled properly, a repossession would not have happened or have been needed. Now my husband is going to have this on his credit report. 

He lost his job and asked for 3 months to not make a payment. Because of SunTrust 's poorly led operations, we are now having to shell out over {$3000.00} to pay for the late payments, fees, and a repossession fee. Not to mention, we have to pay a tow company for the towing and storage.
Consumer complaint received 2021-06-17
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. (MO)

On the date XX/XX/2021 I sent letters informing XXXX, Equifax and XXXX  of inaccurate information showing up on my credit report. I requested these credit bureaus investigate this wrongful information on my file they completely ignored me never responding to me. After being completely ignored I sent these three credit bureaus XXXX, Equifax and XXXX  another letter on the date of XX/XX/2021 stating it had been 30 days since my request and I demanded them to investigate these inaccuracies on my report, but they still have not gave me any response. This is very unfair to my family and I as it is causing financial hardship in our lives.
Consumer complaint received 2021-06-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (UT)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-06-17
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: Bepensa Capital, Inc. (TX)

ASF Acceptance Llc has an account that was fraudulently obtain in my name in the amount of {$11000.00}. I have reached out to the above mention company for several years upon being aware that I was a victim of fraud. I have emailed supporting documents, I would also like for this to be removed from all three credit report bureaus.
Consumer complaint received 2021-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On the date XX/XX/2021 I sent letters informing XXXX, XXXX  and TransUnion of inaccurate information showing up on my credit report. I requested these credit bureaus investigate this wrongful information on my file they completely ignored me never responding to me. After being completely ignored I sent these three credit bureaus XXXX, XXXX  and TransUnion another letter on the date of XX/XX/2021 stating it had been 30 days since my request and I demanded them to investigate these inaccuracies on my report, but they still have not gave me any response. This is very unfair to my family and I as it is causing financial hardship in our lives.
Consumer complaint received 2021-06-17
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. (NC)

XXXX XXXX holds our lot loan that matured in XX/XX/2021. While in the process of refinancing the loan, XXXX XXXX erroneously reported to XXXX, Equifax, and XXXX a 30 delinquency even though we continued to make our regular on-time payments. The credit bureaus started reporting this delinquency on XX/XX/2021 reducing my credit score by 44 points. 

On XX/XX/XXXX XXXX took negative action against me by reducing my credit limit to the current balance which also inflates my debt to income ratio increasing the negative impacts. 

On XX/XX/XXXX, XXXX XXXX XXXX sent a letter confirming the error, while also stating they sent a correction to the credit bureaus. 

On XX/XX/XXXX, I submitted a dispute to XXXX but received a notice that it will take 30 days to remove. 

Since this delinquency is an admitted error, it should be removed from my credit report immediately mitigating the risk of other creditors taking additional negative actions against me. 

As of today, XX/XX/XXXX, it's been over a month, and the delinquency is still being reported. 

My husband and I are struggling to overcome the devastation COVID caused to his business, working to refinance our mortgage that is current in forbearance and while our situation is improving, this error can devastate us. 

PLEASE HELP US QUICKLY. THANK YOU.
Consumer complaint received 2021-06-17
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)

not mine : FCRA violations base on my findings of the law and no brainer situations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX holds our lot loan that matured in XX/XX/2021. While in the process of refinancing the loan, XXXX XXXX erroneously reported to XXXX, XXXX, and TransUnion a 30 delinquency even though we continued to make our regular on-time payments. The credit bureaus started reporting this delinquency on XXXX XXXX, XXXX reducing my credit score by 44 points. 

On XX/XX/XXXX XXXX took negative action against me by reducing my credit limit to the current balance which also inflates my debt to income ratio increasing the negative impacts. 

On XX/XX/XXXX, XXXX XXXX XXXX sent a letter confirming the error, while also stating they sent a correction to the credit bureaus. 

On XX/XX/XXXX, I submitted a dispute to XXXX but received a notice that it will take 30 days to remove. 

Since this delinquency is an admitted error, it should be removed from my credit report immediately mitigating the risk of other creditors taking additional negative actions against me. 

As of today, XX/XX/XXXX, it's been over a month, and the delinquency is still being reported. 

My husband and I are struggling to overcome the devastation COVID caused to his business, working to refinance our mortgage that is current in forbearance and while our situation is improving, this error can devastate us. 

PLEASE HELP US QUICKLY. THANK YOU.
Consumer complaint received 2021-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Google Compare Credit Cards Inc. (CA)

During XXXX of 2021 my bank account was hacked and close to {$1200.00} was transferred out without my knowledge. The theft was accomplished through Google 's automated payment system that links XXXX account to XXXX XXXX. In order to make purchases from XXXX XXXX, Google requires a Bank account/debit card/credit card linked to the email account. After being able to log in to the email account the perpetrators were able to accept a device through email as legitimate, and therefore authorized to conduct various financial transactions on XXXX XXXX. If an automated notification regarding unknown device ever was sent, it was accepted and subsequently deleted without my knowledge. 
After filing a fraud report with Google, I closed the account, canceled the debit card and notified my bank, XXXX. The bank debited my account ( cash/bank is an ASSET account, normal balance is DEBIT ), assuming until the matter was resolved. 
After some time ( 10 to 14 days ) Google denied my claim, claiming " the purchases were made using an email account with all the correct information '' XXXX XXXX removed ( credited ) the abovementioned cash from my account WITHOUT NOTIFING ME FIRST.
Consumer complaint received 2023-01-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (PA)

I was sent a letter from Capio Partners LLC regarding a debt from a hospital bill from XXXX, but I have never received any sort of bill previously from the original debt holder, I don't know how to respond or what to do but I don't want this XXXX Offer amount to effect my credit negatively.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: T.S. Holdings (NM)

I paid a collection account in full that I owed to IQ Data Intl. and my credit score dropped 30 points and it is showing as closed with a XXXX balance but not paid. I spoke with IQ Data to request a removal and they stated they wouldn't do it. Now my credit instead of being good is shot. Please let me know what my options are here.