davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-16
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. (MS)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-03-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Bread Financial Holdings, Inc. (IL)

I opened an account online XX/XX/2022. I was able to set up online banking, creating a User ID and password. I added my husband as a joint owner, following their instructions. At the end of that process, I was told his application required further review. We received a letter from Comenity requesting copies of his drivers license and social security card be MAILED to Comenity Bank. We are not comfortable with this option, so I want to add him as a beneficiary only. My online banking access has been blocked. I have called the bank 7 times since XX/XX/XXXX, with no resolution to this issue. Each time, either the representative ( after lengthy wait times and authentication processes ) can not assist me and must submit a ticket to a different department, ( with no follow up ), OR- in 3 instances, the phone call has been terminated by the bank and I have had to call back.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My information was sold and bought illegally because i was a victim of the XXXX XXXX XXXXI want these items Deleted from my credit reports effectively immediately.I am attaching proof that XXXX has admitted that i was a victim of this Data Breach and XXXX has done nothing.Please help me Delete these illegal accounts from my Credit Reports. 
XXXX XXXXXXXX ACCT # XXXXXXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX I ALSO WANT ALL HARD INQUIRIES DELETED FROM ALL XXXX CREDIT REPORTS BUREAU 'S MADE FROM YEAR XXXX TO XX/XX/XXXX IMMEDIATELLY DELETED.15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.
Consumer complaint received 2021-03-16
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (GA)

I have spoken with the representative for guaranteed rate with no positive results. this company was very negligent and handling my loan process which called me to lose XXXX and to lose the home that I was trying to purchase. they would wait until the day of clothes or one day before close and continue to ask for a documentation that I sent in to them every single time. They would wait 3 to 4 days after sending information in and I would not hear not one single thing from them until the day of close. There was no way I could close on a house being contacted by the mortgage company the very same day asking for more information. They continued this same procedure 3 weeks straight and the seller canceled the contract and I was not able to buy the house because of them not handling my case properly. They would not terminate the loan because the money was apparent but they held the loan over the time period that it should have been held and the seller wanted out. We would call them on a Monday to ask do you need anything additional because we're trying to close on this house by Friday. they would contact us either Friday morning or Thursday evening asking can you send other information in. Doing things in that matter we will never able to close because they kept making up different documents that they said they needed. Guaranteed rate cost me {$5700.00} I lost in earnest money appraisal money and inspection money and most of all I lost my dream house. And they have shown no remorse or no sympathy towards me and my wife losing this house which was their fault. I would like to be refunded my money lost and we are staying in a hotel right now because our lease was up on the house that we were living in. All of this is their fault.
Consumer complaint received 2020-03-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (NC)

AMEX SERVE CARD WAS USED TO DEPOSIT MY IRS TAX REFUND ( 2019 ) MY TAXES WHERE DEPOSITED ON THIS CARD THROUGH XXXX XXXX I REC'VD MY MONEY AT THE END OF XX/XX/2019 ..ON XXXX XXXX THERE WAS 42 TRANSACTIONS MADE ON THIS ACCOUNT TO A XXXX  OUT OF 3 CITIES IN TEXAS. TOTALING THE AMOUNT OF {$2600.00} OF MY MONEY. I LIVE IN NORTH CAROLINA AND DID NOT MAKE THESE CHARGES. YOU ONLY CAN CONTACT THE CUSTOMER SERVICE DEPT IN THE XXXX  ( BARELY UNDERSTAND THEM ) PER THE AMEX IN THE US YOU HAVE TO TALK TO THEM. BUT THEIR APART OF AMEX ( AMEX TRAVEL, SERVE, ECT ) I  FOLLOWED THE PROCESS PER THE REP I DID EVERYTHING BUT NOW I'M HAVING TO WAIT.. WHAT IS REALLY BOTHERING ME IS THIS HAS HAPPEN TO OTHER PEOPLE IF YOU SEE THE REVIEWS WHICH I COULD ATTACH. THIS HAPPENS ALL THE TIME THEY SAY ITS FRAUD HAVE YOU FOLLOW THE PROCESS AND THEN YOU DON'T GET YOUR MONEY. I CANT LET THIS HAPPEN TO ME ITS SAD NOTHING WAS DONE FOR THE OTHER PEOPLE BUT I WILL FILE COMPLAINTS AND GO TO THE NEWS OR WHATEVER I HAVE TO DO
Consumer complaint received 2023-01-24
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (IN)

I got a loan on a XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with Credit Acceptance with XXXX XXXX XXXX XXXX XXXX on XXXX XXXX and today is XXXX XXXX my car will not start will not take a jump either contacted them so they can tell me where I can take my car to get it fixed ASAP the car has a XXXX XXXX XXXX XXXX XXXX XXXX and remind u that I havent had the car a week it started misfiring and it flag on the dashboard of the car 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  I got the car because I need a car and to help my credit not to have payments on a car I can XXXX XXXX and get back and forth where I need to go not to have all of these problems and I just got the car I really hope XXXX can help me. I appreciate yall for taking the time out to read this hopefully I will hear from u soon I can be contacted @ XXXX Thank u and have a blessed day!!
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Experian has failed to send dispute results and is reporting the following items inaccurately ( see below ). This violates the FCRA. 

Additionally, rather than actually investigating items Experian has systematically and maliciously changed items on my credit report to cause my score to worsen. 

I have included information to update my address.
Consumer complaint received 2021-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

In mid XXXX I was given a check for deposit in the amount {$4900.00}. I used the TDBank app to deposit the check. Then next day I was waiting for the funds to clear and checking my account the check had been charged back. I spoke with a TDBank service representative and was informed there was something wrong with the check. They did not say what the problem was. So I contacted the issuer and they sent me a replacement check. I deposited the second check with the Mobile app. I checked my bank account the next day and the funds were still pending. The next day the pending had been removed and seeing this I called TDBank and I asked the representative if the funds had cleared. She said yes. I asked her if the check had cleared and the funds were collected because I did not want to have another chargeback experience. She told me the funds were collected and in my account. Because I was informed as such, I withdrew the funds not knowing that I was to become a victim of a hiring scam. I would not have withdrawn the money if there was any question of validity of the check. A few days later the chargeback occurred and the bank took the funds out of my checking account. They informed me the check was fraudulent. That the routing numbers on the check were fake. I was so angry because I had been informed the funds were collected, cleared, and in my checking account. TDBank did not protect me as their customer. If there was a problem with the first check why did they not have red flags raised with the second check? I am XXXX years old and I feel that I was very much misinformed by the TDB representative. I have a phone log record of my calls to TDBank.
Consumer complaint received 2021-03-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (NY)

We had a 15 year home equity loan with pnc bank. for XXXX the payment was XXXX mo we paid it for the 15 years and were was a " suprise '' ( surprise to us ) balloon payment for {$47000.00}. We were never aware of this payment. I showed our agreement to an attorney he said it was pretty well hidden and very confusing in the contract. We were NOT represented by an attorney when we signed. The ballon payment was never disclosed outside of the very confusing contract. I feel like I was preyed upon. I have a lawyer willing to litigate.
Consumer complaint received 2021-03-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (VT)

I received my first mailing from SunTrust in the summer of XXXX. I had never heard of this bank, they have no branches where I live, yet they sent me information about a checking account I never opened. At that point the balance in the account was XXXX. I called them and asked them to close the account and thought that was the end. But in XX/XX/XXXX I received a statement again showing a XXXX balance but now there was a {$3.00} for the paper statement. I wrote to their fraud department to explain I never opened the account, refused to pay the {$3.00} and again asked them to close the a count. On XX/XX/XXXX I received mail from SunTrust XXXX XXXX  saying the account has been closed but there is a charge of {$47.00} for this. Again, I never opened any account with this bank.
Consumer complaint received 2021-03-16
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 AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing a dismissed bankruptcy that's on my credit reports since XX/XX/2020. I have disputed a 2nd time as well with all three bureaus on XX/XX/2020. I still have not received a response from them! This is unacceptable! Equifax, XXXX and XXXX  need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.
Consumer complaint received 2021-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (MA)

I sent a bank bill payor payment of {$170.00} in XXXX and the amount was not applied to my account..Sent copy of the canceled check to investigation dept 3 times..As of yesterday, they feel they resolved the issue.. they applied to someone else 's account and supposedly sent a refund check to that person.How does that resolved the issue for me? They would not retract check nor give me a credit..This is outrageous practices..I pay my balance in full every month..I paid balance and closed the account yesterday .. I told them I was going to register a complaint..They don't care! ANy HELP WOULD BE GREATLY APPRECIATED..
Consumer complaint received 2020-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Freedom Mortgage Company (FL)

I was shocked when I reviewed my credit report and found 30 days late payment on the date XX/XX/2020. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2021-03-16
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (NC)

I had a credit of {$27.00} and was told to send a check to Home Depot Credit Services with 16 digit code so that they might credit my checking account. Rather than crediting my account, they sent another {$27.00} from my account TO home Depot! 
Now I have another statement with a credit for {$55.00} with instructions to do the same thing. Fool me once ... ...
Consumer complaint received 2021-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (TX)

Extreme difficulty and frustration in logging into the new servicing center recently hired by the my Mortgage Company TIAA Bank. TIAA Bank recently hired XXXX to service the mortgage accounts. The XXXX XXXX Website is defective and will not allow me to enter the website to make my payments. The login procedures do not recognize my account number or social security number causing frustration and delay in making my mortgage payments. I have to call into the XXXX Customer Service which is incorrectly listed on their website. I have wasted 45 minutes trying to make my mortgage payments. 

Need XXXX to merge my correct loan number and social security number and to purge my current loan sign on id and password so I can create a new id and password that can be merged with my correct loan number and social security number.
Consumer complaint received 2021-03-16
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. (AL)

Hello, In XXXX oXXXX XXXX, I filed a dispute with the credit bureaus about the illegally reinserted collection account : XXXX XXXX account # XXXX I did some reading about credit reporting laws and under the FCRA ( A ) ( 5 ) ( B ), all reinserted accounts must be given a five day notice from the credit bureaus or it must be promptly deleted. and from my understanding if a consumer finds errors on their credit report, they have a right to have them fixed. I got this information from the FCRA.. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. Thank you
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (MI)

The bank that my car loan is through sent me an email in XXXX of 2023 stating that I did not have coverage on the vehicle and that they would add cpi ( insurance ) if I did not send proof of insurance. Thinking this was a fluke I sent in my proof and waited. Then I got another email a month later stating the same issue so I sent in proof again, I got an email on XX/XX/XXXX saying they would get back to me in XXXX days. I got a response within the same day saying the format is incorrect so I resent the information in the correct format and never got a response. I got another email stating I needed to send proof of insurance on XX/XX/XXXX and I sent in my insurance again, I didnt receive any responses or notifications of needing proof of insurance again. Then in XXXX I get a notification that I am 30 days late on a payment, Im thinking this is impossible since I create a payment from my bank that then automatically goes to the account, when I look at my bloom account the payment more than doubled with the added cpi. I am frustrated since I sent in proof of the insurance and I even emailed and talked with a person over email about this so why wasnt I notified or given proper direction on what to do. I go into a physical location and the person was giving me a horrible interaction even once she realized I was submitting the proper papers for insurance. I then go to another location and they see my information and the documents submitted and agree that the info is correct and then remove the cpi. My problem is I was never notified that the cpi was added, there was no date or paper stating this, I was not told if anything was wrong with my documents after the initial email, I did not receive prompt help, and the bank messed up on their end by denying my documents were inadequate when they truly were. I never miss a payment so this is tanking my score when this was an issue on the banks end. I did play part and I paid for insurance and had it on the vehicle, I submitted documents proving it and I emailed and went into a physical location with no help. Even after this was finished I emailed the loan officer that helped to see if I can recoup any of the fees charged to pay the credit card I intended on paying off with the funds I had to use to pay the car payment that doubled.
Consumer complaint received 2020-03-13
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: CITIBANK, N.A. (OH)

Citi Bank Mastercard just lowered my credit limit at the onset of a national disaster and global health emergency, reducing my buying power and ability to survive during a disaster, for no reason whatsoever. I had just made a {$500.00} payment on my credit card and suddenly I am at my credit limit because Citi decreased itt and I can not use the card in this time of emergency. Did Citi just lower everybody 's credit limit at the onset of a disaster to prevent us from being able to take care of ourselves in a disaster?
Consumer complaint received 2020-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (AZ)

Received a letter via the USPS enclosing a customer service evaluation tool ( CSET ) Since I write reviews for products I thought it was a different assignment, although very different. I was old to go to three stores and purchase {$2500.00} in XXXX gift cards ... .then send them via text the codes on the cards after writing reviews about my assignments, which I did. I then received another assignment but did not start it as I waiting for my check to cash for the {$2500.00} in gift cards. IT did not cash even though it was deposited without a problem at the bank. It was a bogus check. I immediately reported this to American Express on XX/XX/2020. They told me not to worry as this would be credited and I would not have to pay for the charges ; they sent me another card. Received another call from American Express on XX/XX/XXXX stating that the charges on my American Express card had been reversed and there would be no charges on my account. Today I received a notification that the charges would be reversed and would be charged to my American Express Card in the amount of {$2500.00}. 
I am XXXX years old, very very stressed over this scam. Not sure what to do or where to report this. 
The number given me by the Customer Service Evaluation Tool was XXXX and the name signed was XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-27
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: EQUIFAX, INC. (NJ)

Equifax, XXXX, and XXXX XXXX will not remove these accounts from my credit report. I disputed it several times, but they keep telling me its verified. I have no knowledge of these accounts and also they are over 7 years old and by the FCRA any account over 7 years old must come off the credit report except for bankrupcy which is 10 years.

US DEPT. OF EDUCATION Acct. # : XXXX Report Balance : {$9400.00} Date Opened : XX/XX/2012 US DEPT. OF EDUCATION Acct. # : XXXX Reported Balance : {$4300.00} Date Opened : XX/XX/2012 XXXX XXXX XXXX Acct. # : XXXX Reported Balance : {$0.00} Date Opened : XX/XX/2012 XXXX XXXX XXXX Acct. # : XXXX Reported Balance : {$0.00} Date Opened : XX/XX/2012 XXXX
Consumer complaint received 2021-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have tried to resolve this issue with so called debt collectors or predatory lenders reporting negative items on my credit file from the three credit bureaus, but little or nothing has been done to remove all negative item off my credit file. Portfolio Recovery Associates still report incorrect and negative items although they said they would stop collection actions. Portfolio Recovery has sent me over 130 harassing letters which I have not opened and returned to sender. XXXX XXXX, XXXX XXXX continue to report negative items affective my financial life and harassing letters which all have been sent back to sender. All three credit bureaus continue to report on behalf of these predatory lenders when they have not produced any contract or promissory note with the specie of exchange to create such debts. I want these predatory lenders to cease and desist from all collection attempts and remove every fraudulent account for collection from my file.
Consumer complaint received 2020-03-12
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: Experian Information Solutions Inc. (TN)

I had a hard hit on my experian credit report that I did not authorize. I tried to file a dispute online but they do not take credit inquiry disputes online so I called. They advised they would not investigate the credit inquiry because the FRCA says the bank has to remove it. Even if the bank fraudulently does a hard pull without permission. I disagree with this as a bad bank will of course not care since there is no repercussion.