davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Mortgage Loan # XXXX - Company Name : Specialized Loan Servicing, XXXX XXXX XXXX., XXXX XXXX, XXXX XXXX, XXXX XXXX - Representative Name : XXXX Employee # XXXX. 

Date : XX/XX/2020 Problem : Mortgage Payments made in Advanced for XXXX and XX/XX/2020 for {$1800.00} for each month. 

Specialized Loan Servicing ( Collector ) on behalf of XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CA. XXXX ; received and processed these two advanced monthly payments to the Principle only, and refused to apply the payments to the months of XXXX and XX/XX/2020 as instructed in writing and posted on the cashed checks. 

On XX/XX/2020, Specialized Loan Servicing sent us another payment due for {$1800.00} for the Month of XX/XX/2020 ( AGAIN )!! 

Specialized Loan Servicing ( new loan processor/ collection ) are violating our agreement with the Original Lender ( Mortgage Note attached ) who accepted all our advanced payments and posted them correctly to the following month.
Consumer complaint received 2020-08-14
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I purchased six ( 6 ) IRA CDs from XXXX XXXX XXXX, in XXXX, MI between XXXX and XXXX. XXXX XXXX XXXX was  sold in XXXX. According to what I have been told, Bank of America was the " Successor ''. I contacted Bank of America but they could not find any records of these IRA CDs. I also tried to find out any information by contacting the FDIC and they recommended that I contract the Office of the Comptroller of the Currency. I called them and filed a complaint with them. So far I have not been able to resolve this is and find out where I can cash in these CDs.
Consumer complaint received 2020-08-14
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: EQUIFAX, INC. (TX)

Im XXXX in Identity theft, somebody open up accounts in my name without my authorization. I send the roper information totally three credit bureaus with my identity theft documents and other information to block these fraud accounts under the fcra ss 605b to be block due to fraud.
Consumer complaint received 2023-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 2020-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX {$720.00}
Consumer complaint received 2020-08-04
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. (FL)

My 3 credit reports are showing I have an account with the Dept of Education. I went to college 1 time years ago and my loans were forgiven because i became XXXX. This should not be on my credit reports
Consumer complaint received 2020-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.
Consumer complaint received 2020-08-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (PA)

XXXX/XXXX/2020 mailed validation letter to confirm what they say I owe that's on my credit report. I told them I did not agree with the total. 

Certified mail # XXXX XXXX XXXX XXXX XXXX Delivered on XXXX/XXXX/2020. 

XXXX XXXX XXXX : XXXX XX/XX/2020 sent letter to XXXX, XXXX, and XXXX.
Consumer complaint received 2020-08-14
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. (MS)

While I was in the process of trying to rent  an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX {$720.00}
Consumer complaint received 2020-08-14
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: EQUIFAX, INC. (AR)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.
Consumer complaint received 2020-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I have previously reported this problem and the company 53rd responded that their investigation indicated that I did make the charge of {$36.00}. I deny this. I DID NOT MAKE THIS CHARGE. My account was hacked which they admit and closed my account. Furthermore my limit was {$21000.00} so how would they bank let me charge that much over the credit limit. There is no security camera showing me do this nor is there any document thety can produce that I signed for those funds. Why? BECAUSE I DID NOT EXECUTE THOSE TRANSACTIONS NOR WILL I ACCEPT RESPONSIBILITY FOR IT. 

XXXX XXXX
Consumer complaint received 2020-08-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Leading Edge Solutions, LLC (FL)

Call comes in daily between XXXX  & XXXX XXXX  even after the number has been put in my phone 's block call list. I have also called back that number and they claim that they are not initiating the call. But I don't have any debt and I keep getting DAILY calls from XXXX
Consumer complaint received 2020-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I wanted to close my Capital One Savor card. I reached out to Capital One on XX/XX/2020 to close the card and get my annual fees refunded. Capital one refused to provide me a pro-rated refund of my annual fees while I was trying to close the card. I am a Massachusetts resident. As per Massachusetts law, a pro-rated refund of annual fees should be given to the customer. 

Capital one disregarded the law and it is their policy not to refund the annual fees after 40 days of annual fees. Please investigate and provide a refund of my annual fees.
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I reported an unauthorized transaction of {$1600.00} to Bank of America on XX/XX/XXXX. A dispute claim was filed and I cancelled my issued unchipped EDD debit card and requested a replacement card. 

Called Bank of America cardholder services on XX/XX/XXXX because I was denied access to my account on the Bank of America Edd card website : YOUR ACCOUNT CAN NOT BE ACCESSED. PLEASE CALL THE NUMBER ON THE BACK OF YOUR CARD. After verifying my identity to the agent I was informed that my account has been closed. 

Received a letter from Bank of America dated XX/XX/XXXX saying they were investigating my claim and my account would be temporarily credited with {$1600.00}. 

Received another letter from Bank of America dated XX/XX/XXXX which informed me that after investigating my claim the temporary {$1600.00} was now permanent. 

I have called Bank of America consumer protection department numerous times requesting them to do the following : reopen, unfreeze, and remove hold on my debit card Mail me a check for the remaining balance Give me a reason for closing my account Tell me who to contact and what I need to do to reopen my account Ask to be transfered to Fraud department, Risk department and account escalation specialists Bank of America claims they closed my account on behalf of my sponsor, California EDD due to benefit eligibility concerns. They say only EDD has access to the money and I have to contact them and have a freeze tracker sent to start the process. 

I call EDD and after verifying my identity explain my debit card was closed by Bank of America who needs you to verify my eligibility with them in order to regain access to the money on the debit card. EDD states that my account is in good standing, they have no access to my account and only the bank can close the account. The EDD agent sends Bank of America an email and an EBP log. Even though my identity was verified through idme, EDD sends me their link to upload identification documents and my identity is confirmed as of XX/XX/XXXX and Bank of America has been contacted and notified that my identity and eligibility is confirmed by California EDD. 

My account is still closed and when I call Bank of America they claim they have received nothing from EDD.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Dealing with this, Bank has been a major problem. They continue to ignore me and disregard my attempts to give them information regarding my status as a victim of XXXX XXXX. They have been very cold-blooded in their nature when I called contact them, but in addition, they are flat out, ignoring anything that has to do with me not paying them. However, I have explained to them on multiple occasions that discharges werent even made by me although I did apply for the account I was Doing so in distress and ultimately had the account hijacked away from me by my perpetrators.
Consumer complaint received 2020-08-14
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. (TX)

The Account with Experian XXXX XXXX for XXXX XXXX continues to report on my report and the company XXXX XXXX has agreed to take this off of the report. I understand that Experian uses information such as this for profit but this information is damaging for the community. I have spoken with XXXX  XXXX and they will no longer report any trade line to Experian for this account so please remove this and send me an updated copy of my report without this account showing. I will add proof of the response for this company for your records.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Hello, I send a letter to the 3 credit bureaus to fix my personal information and it was not fixed. As of today, it still says my name is XXXX XXXX XXXX. My real name is XXXX XXXX and also have an address that currently has nothing to do with me on there. I send them my Social Security Card and other government documents as evidence. 

Sending you the attached file. This letter was sent to all XXXX credit bureaus.
Consumer complaint received 2022-07-22
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. (IL)

XXXX OF XXXX CARD XXXX As well as the XXXX XXXX card if it changed at all it should reflect open It's the same Bank THIS ACCOUNT IS IM USE HEAVILY AND RECENTLY AND HAS NEVER BEEN CLOSED NOR DID I REQUEST IT TO BE. THERE WAS CLEARLY A MISCOMMUNICATION. 

I have reported this account and no one seems to understand what I'm saying. You can't update it anymore there are XXXX changes to be made BUT the only request I have.
Consumer complaint received 2020-08-14
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (VA)

In XXXX of XXXX I purchased a XXXX smartphone from XXXX ( directly form them online as opposed to going to a XXXX store ) and signed up for the XXXX payment plan ( XXXX fixed payments of {$54.00} XXXX. The phone was supposed to be paid off after the last payment in XX/XX/XXXX. Then I noticed ... a couple of months later that TD Bank ( the bank servicing the credit account for XXXX? ) keeps drawing $ XXXX XXXX XXXX/ month ( the amount varied ) when I called TD Bank in XXXX of XXXX to ask why they keep taking money from my account the person on the phone said something about some back fees and that I was actually paying for 24 months slightly less than what I was supposed to ( the payments were not up to my discretion - they were set with XXXX 's offer and I agreed to pay a fixed payment of $ XXXX month -- when you do the math those XXXX payments of {$54.00} were the cost of the phone ). As the amount was about {$200.00} and I was not interested in trying to dig out the papers from XXXX I offered the person on the phone to pay this amount at once and be done with it. She was firm that this can not be paid off over the phone and I will need to make an appointment at a branch of TD Bank to get this resolved. As I was not able to do that I decided to keep paying it off until today when I saw my annual credit report and saw that the {$200.00} balance is now at {$220.00} somehow even when I pay it off it increases ( BTW the payments of $ XXXX month were not authorized nor defined by me ). I called again and escalated the matter to a supervisor which after being threatened with me contacting the CFPB said that the account can be paid over the phone and can be closed over the phone. I think that there are more people like me that are being taken advantage of and I am interested in you investigating the matter and eventually refunding me the hundreds of dollars I was overcharged for. 
XXXX XXXX XXXX
Consumer complaint received 2020-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX Dear CFPB, I have tried to work with TransUnion about the credit information they have complied of me. They are reporting inaccurate information about me to others. 
After receiving a report from the credit bureau, I mailed them a credit dispute shortly thereafter on XX/XX/XXXX, XXXX enumerated various errors and inaccuracies that I found in the report. I included copies of my identification information in that mail request. 
I did receive acknowledgment correspondence of that dispute request ; however, after pulling a new report from XXXX still see items that are inaccurately reflecting on my credit report with them. 
I have attached the most recent report I could get, in this complaint, of all the issues I found of my credit report. They are reporting inaccurate information of me to others. 
TransUnion is causing me great harm. 
I would like for them to reinvestigate these items being disputed, have them collect the names of the specific people that are verifying this information to be accurate and provide me the supporting documentation of that claim that shows those are items are in fact mine. 
Any business can create invoices for any amounts they would like and make a claim that such amounts are owed to them ; as such, I demand strict proof to be provided in order for the disputed information to remain on my credit profile. 
Thank you, XXXX XXXX
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

I saw the advertisement from Citi for a limited checking offer to earn {$300.00} and applied for XXXX through the ad since I need a checking account. I followed the steps from " Earn a Cash Bonus in XXXX easy steps '' which step XXXX is to open a checking account by applying directly from this page and offers valid from XX/XX/24 to XX/XX/24. I applied and opened on XX/XX/24 and step XXXX is to do at least XXXX enhanced direct deposits directly into account within 90 days which i did on XX/XX/XXXX and XX/XX/XXXX. Step 3 is earn {$300.00} cash bonus which I did not receive. I chatted with the online rep which claimed that it is an easy fix, and all I had to do was call in and they will fix it by applying the promo code to my account. 
I called in and they claimed 1. Did not know about the promotion and when I proved it to them they 2. said to open a dispute and get back to me within 5 days. They did not get back with me and online rep said I need to call in. This is not an easy 3 steps.
Consumer complaint received 2020-08-14
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: Experian Information Solutions Inc. (AL)

I noticed inaccurate items on my credit report over a month ago and sent a dispute letter requesting the items be removed from my credit profile. Now it's been over 45 days and these items have not been removed nor have I been notified of the investigation
Consumer complaint received 2020-08-14
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. (AL)

I noticed inaccurate items on my credit report over a month ago and sent a dispute letter requesting the items be removed from my credit profile. Now it's been over 45 days and these items have not been removed nor have I been notified of the investigation
Consumer complaint received 2020-08-14
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: EQUIFAX, INC. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

Someone used my XXXX card to send money to an account using Moneygram. I contacted money gram. They blocked access to the account that was created and will not provide me any information about the transfer such as recipient and where it was sent to. The bank is the number that was used to to send the funds. XXXX
Consumer complaint received 2023-03-09
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (LA)

I have a usda mortgage with planet home lending. This company removed my option to make a payment online. As I was trying to make a payment the portal said I had a payment scheduled ( which was also false information ) this company intentionally took my right to pay so it could be reported late. My rights where violated because I wasnt allowed to make a payment. They Reported it to the credit bureau as a late payment. This is unfair.
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lending Club Corp (LA)

Lending Club is reporting contradicting information on my credit report. The FCRA says that I have the right to having my information report correctly to my credit reports. They clearly are not reporting things correctly. On my XXXX  report they are reporting that I was 30 days late one time, in XX/XX/XXXX, and after this I have a perfect payment history until XX/XX/XXXX. On my XXXX  report they are showing that I was 30 days past due in XX/XX/XXXX and XX/XX/XXXX. On XXXX  they are also reporting I was 60 days past due in XX/XX/XXXX and 90 days past due in XX/XX/XXXX. They also supplied negative marks in XX/XX/XXXX and XX/XX/XXXX. They do not even report a payment history to XXXX. I am attaching screen shots of the Lending Club entries on my XXXX, XXXX, and XXXX, along with the entire credit reports. Lending Club has shown an inability to accurately report information to my credit report, and because of this it is well within my rights to demand that the entire Lending Club section on all 3 of my credit reports should be deleted immediately. They are in violation of the FCRA.