davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LoanCare, LLC (MA)

I had made XXXX trial payments with XXXX and my loan was sold to LoanCare XXXX. I have contacted LoanCare and they wo n't speak to me. My housing counselor has submitted an authorization and re-submitted all my updated document, including proof that I 'm the owner of record and proof of my XXXX XXXX payment in hopes of quickly finishing the modification and simple assumption process. The documents were faxed to the fax numbers provided by LoanCare for authorizations and loss mitigation departments on XXXX/XXXX/16. The housing counselor follow up on XXXX/XXXX/16 and LoanCare still did n't have the authorization and would not speak to the housing counselor. The housing counselor follow up again on XXXX & XXXX and still no authorization. The customer service agent gave an email address to email the authorization and documents. The doc 's were email on XXXX/XXXX/16. An auto reply stated that the documents would be uploaded and available for review within XXXX48 hours. The counselor follow up again on XXXX, XXXX, XXXX, & XXXX. LoanCare states the documents have not yet been uploaded to the system, they ca n't speak to us. On XXXX LoanCare stated that my authorization would be available for review on XXXX/XXXX/16. A full 30 days after it was faxed. They have yet to acknowledge my paperwork, modification request, simple assumption request, death certificate, quick claim deed ect. and continue to refuse to speak to me or the housing counselor. My counselor states that most companies acknowledge the authorization within XXXX48 hours and that this has not been her experience even on newly transferred loans. I feel 30 days is unexceptionable because they will ask for all new documents because 30 days has passed. I also feel like they are negotiating in bad faith.
Consumer complaint received 2023-01-14
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. (VA)

have tried to tell XXXX and experian that the information they are providing are wrong.. I need XXXX XXXX  REMOVED FROM MY ACCOUNT AND I Need XXXX account REMOVED ASAP. PLEASE SEE BELOW LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681s2 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (UT)

I have sent 3 letters to Barclay card, 2 by regular mail, 1 certified. all in the last 30 days starting on XX/XX/2022 the last on XX/XX/2022. 
I have called 4 times asking for them to correct my XXXX credit report. they have correct my transition and eqafax report, they have reported a zero balance on all 3 reports but state I still owe XXXX. I was sued by portfolio collections and paid in full. they have stated that portfolio owns my account and they need to fix my reports. 
in all 3 letters I have inclosed the documentation showing it is paid. I call portfolio collections they stated that they have sent documentation to Barclay and have removed all remarks from my credit reports ( I have verifed that ) on a recorded line 4 times they have stated they will not correct this issue. 
I have attached the documentation I have with account numbers
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (PA)

I have a auto loan with credit acceptance and they did not abide by the right laws of this loan its too much I couldnt no longer afford the loan and car had got repossessed, and then I found out that there were more fees attached to this loan than was told to me on paper
Consumer complaint received 2023-06-13
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. (TX)

I Wrote to Equifax to fix an error on my credit report and they have not even responded. 
I have requested they review, and fix or remove an incorrectly reported item
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

My account was closed on XX/XX/2020 on XX/XX/XXXX someone used my supposedly closed account to transfer XXXX XXXX dollars to a secured credit card and spend all of the money on my card. Then 2 checks were sent to me for whatever was left in my account before the fraud and those checks were never received by me they were both cashed by someone forging my signature and depositing the checks I was in custody in the XXXX XXXX XXXX  in XXXX during this time and held until 6 months ago I have been doing everything in my power to get bank of America to help me get my money back but they just will not do anything about it I just finally was able to get the statements from all of my accounts and it shows on them that clearly it was someone else using my accounts to commit fraud and steal my money I just want to get what is mine back the bank was supposed to protect my money and they did nothing of the sort
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My rewards balance remain constantly the same {$17.00} for months. 
I use capital one shopping and activate offers, but somehow rewards are not changing. I have contatcted capital one shopping in XXXX and received response that it may take up to 90 days for rewards to show up in my account. I did however check a timeline and it has been much longer than that, I did reach out again to capitalone shopping rewards again and I did includ full statement of all purchases, but so far I have not received any response. This is an email I contacted XXXX. Person name is XXXX who replied once. 
I do hope you will assist me
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MS)

I am unable to receive my free annual credit report online and I ordered it over 2 months ago by phone and to receive it by mail and I still have not received it. I ordered it again by phone today.
Consumer complaint received 2017-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I updated my bank account information for auto-debit payments with Mohela in XX/XX/XXXX via the Mohela website, changing the account from which my payment would be withdrawn. I received two messages from Mohela in XX/XX/XXXX and XX/XX/XXXX with subject lines " Auto-Debit Withdrawal Confirmation '' which made it sound like my payments were processing as usual, but Mohela later informed me that it actually takes 1-2 billing cycles to update auto-debit information, and so my account was past due. <P/>After learning of the discrepancy, I processed the payment manually via the Mohela website in the meantime, but I believe that by not clearly disclosing this delay in auto-debit payment processing on their website, they 've created obstacles to repayment by providing bad information, or no information at all.
Consumer complaint received 2023-01-20
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: CITIBANK, N.A. (FL)

Both Citibank and XXXX XXXX have things on my report from 10 years ago. I tried everything to get them removed but they wont do it. I thought 7 years was the limit to report things. Citibank was actually claimed on my taxes in 2019 because the issued a tax form on the account. Its been paid and written off.
Consumer complaint received 2023-01-20
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: MIDFIRST BANK (IL)

On XX/XX/2022 I was notified of a " 120 day late mortgage payment '' on my credit report. I thought this was strange because we were actively in mortgage forbearance through our mortgage company as well as being under the Covid clause per the government. Now I understand that this was lifted however, I was told by multiple different agents that the company had not been reporting for months. I immediately sent our mortgage company an email as well as a phone call trying to make sense of this. We also had made a payment in XXXX and XXXX so I wasn't sure why this was being marked 120 days past due. Understandably, I thought it was from covid but I pulled the credit report and nothing was reported during that time frame. They sent me a first class letter saying it was accurate -- that was it. Nothing in detail and it seemed to be very looked over.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sezzle Inc. (GA)

As a federally protected consumer, I demand that my credit reports reflect accurately. And it has not with, with Sezzle. I opened the account in XXXX, my payments on time with any issues until I disputed a charge earlier this year. My credit limit at the time was XXXX. Sezzle no longer allowed me to make any purchases with my limits despite having a perfect payment history which in turns violates my rights as a federally protected consumer according to section 623 ( 15 U.S. Code 1681s-2 ( a ) ( 8 ) ) of the Fair Credit Reporting Act. I paid off and close the account which still has not not been accurately reported since XX/XX/XXXX. I demand that my reports with all three bureaus be updated immediately.
Consumer complaint received 2023-06-13
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. (IL)

I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 
I would like you to remove all the inaccurate and misleading information from my credit report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc. (IL)

I sent a complaint to XXXX XXXX and Meridian Financial Services and they have not removed this items that is not mine. This should be illegal. I sent out letter on in XX/XX/2023 and received not response. I sent out a demand on XX/XX/XXXX and XXXX XXXX did respond but Meridian did not. Today XX/XX/XXXX I reported Meridan to the XXXX
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BMO Bank, N.A. (FL)

In XX/XX/2022 I signed up with BMO as a result of a direct deposit promotion. If I deposited {$7500.00} over a 3 month period I would be eligible for a {$350.00} bonus. I signed up on BMO 's online promotion page, where I was offered two options : a regular checking account or a money market checking account. There was no disclosure that the MMA did not qualify for the bonus so I signed up for that option. I later contacted the bank and their agent verified that I was eligible for the bonus. However, after depositing more that the {$7500.00} minimum within a 3 month period, I contacted BMO and they told me I would not be getting the bonus. Further, they charged me {$10.00} per month in fees while the account was open -- which as not disclosed to me at account opening. Infuriated, I tried to close my account online but BMO would not let me. I called customer service to assist with the closing and BMO tried to charge additional fees for closing the account. Unwilling to lose any more money to this criminal enterprise masquerading as a bank, I was not able to close the account. I file this complaint to : ( 1 ) close this account and get my money from BMO without any additional fees ; ( 2 ) have all fees charged returned to me ; ( 3 ) have BMO pay me the {$350.00} bonus promised ; ( 4 ) compensate me for time lost from work pursuing this action ; and ( 5 ) any punitive fees to which I am entitled.
Consumer complaint received 2023-06-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

There has been no assistance provided for my loan. The mortgage company/loan servicing company failed to pay the home owners insurance in XXXX for XXXX. I called multiple times and the XXXX XXXX XXXX assured me the payment was made. However, I received a letter in the mail that stated the home owners insurance was force placed at a rate that creates a hardship. My original homeowners renewal offer was for {$990.00} and the insurance placed by the mortgage company is {$2100.00} This takes my payment from {$2500.00} to {$2900.00}. The mortgage company has shared that they did not pay the policy on time and was unable to be renewed XXXX spoke to them and shared that it is now my responsibility to find a new insurance company and send over proof of insurance. This is a predatory practice that supports the pockets of insurance companies.
Consumer complaint received 2023-05-09
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance wit the Fair Credit Reporting act. The List or accounts below was in violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more then seven years, 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe thst the information is inaccurate
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX and XXXX XXXXXXXX XXXX  XXXX are the same set of people acting as seller and lender, the operate in the same office and compound, they sold a land for {$47000.00} and the property was appraised for {$500.00}. They threaten me with my credit score and foreclosure when I reached out to them amicably.
Consumer complaint received 2018-03-02
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: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I am not sure if this is the correct area to report this, but I am an online retailer and had a customer dispute charges and their funds were returned by the service provider. I am the victim here, I do not know if the purchase was valid or not. On XX/XX/XXXX, a purchase was made for XXXX by faith XXXX aka XXXX XXXX, using the email address XXXX. Last 4 of the card XXXX. IP address XXXX ( from server at XXXX ), source : XXXX XXXX, sent to address : XXXX XXXX XXXX XXXX XXXX, XXXX  New York XXXX, user agent XXXX. Internal ID XXXX, order_id XXXX. The dispute was made XX/XX/2018. The issuing bank is HSBC BANK XXXX. fingerprint : XXXX with the card expireing on XX/XX/2018 XXXX. I dont know what to do.
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (CA)

It's about a previous complaint against TD bankXXXX XXXX XXXX CFPB XXXX XXXX XXXX XXXX XXXX Account XXXX In XXXX ), which TD bank claimed in their response that they have fixed the issue already. 
As you can see from the most recent statement attached ( XXXX statement ) and the most recent minimum payment ( XXXX ) that they have not! 

1.Still, I am being charged for the returned item ( XXXX XXXX phone ) for the amount of {$1100.00}. ( Credit plan # XXXX in the XXXX Statement ) 2. They did not apply the monthly minimum payment due for the remaining balance of {$97.00} to {$2.00} as per their response ( credit plan # XXXX ). 
You can till from the attached screenshot of the XXXX minimum payment. 

3. Td bank is charging me for late payment fees of {$29.00} for these previous issues ; hence, I just paid for the right balances ( {$100.00} ) not the whole wrong minimum.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has Violated My Rights ! 15 U.S.C.1681 section 602 A. States I have the right to privacy. 15 U.S.C.1681 section 604 A. sec 2 : It also States a Consumer Reporting Agency can not furnish an account without my written instructions.
Consumer complaint received 2018-03-02
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX has failed to have my account reinserted in the credit bureaus after deleting this by error. It's been months now and I have gotten nowhere. They have basically been creating me a lot of hardship because my credit score is fair due to their error