davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CT)

Denied Modification in 2016 after XXXX YEARS of application runaround and court mediation. The denial was wrongful because Select Portfolio Servicing used " outdated '' income figures, which was disclosed by their attorney at the close of mediation. She advised I appeal and RESUBMIT the CORRRECT income figures, which would have qualified me for XXXX. The appeal was again denied with XXXX XXXX as to why the correct income resubmission was IGNORED.
Consumer complaint received 2024-04-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (NY)

I applied in good faith for the

BARCLAYS Wyndham Rewards Business card. After good faith application had been summited received hard inquiries on my personal consumer credit report through then received a denial notice. If any portion of this application under the application
number : XXXX has been securitized as a asset backed note under securities act of 1934, within the BARCLAYS Bank and/or any other under SEC filled Prospectus, 10-K forms,8-k Forms and or other SEC filings.

we demand credit line issued and open ended under the name of applicant. we submit this for remedy as pre arbitration notice as holder of the contract. please review for violations per Equal Credit Opportunity Act ( ECOA ), 15 U.S. Code 1691. we wish for this matter to be resolved matter privately before we pursue further action.
Consumer complaint received 2020-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Rehabilitated 11 student loans successfully XX/XX/XXXX. 
Consolidated student loans XX/XX/XXXX. 
Disputed with Transunion on XX/XX/XXXX when they failed to correctly report XXXX account ( opened XX/XX/XXXX, {$4000.00} ) accurately with the other 10 accounts without derogatory marks and as closed and paid in full. 
Dispute failed to correct the error. 
Disputed AGAIN XX/XX/XXXX. 

The error still exists!! 
Currently sending a dispute by mail with rehabilitation agreement proving derogatory marks would be removed as a result, the successful rehabilitation, and the consolidation proving the loan in error was paid in full.
Consumer complaint received 2020-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a collection account on my credit that reported open on XXXX of this year to Transunion. The debt in question went delinquent in XXXX, and I am unclear when XXXX XXXX sold the debt to the collector, XXXX XXXX XXXX. Under the FCRA, however, the date of the account opening should be related to the date of delinquency or charge off - I do not know if it is XXXX who screwed me over by handing a debt over nearly three years later or if it's XXXX attempting to gain more leverage in dating the debt to XX/XX/XXXX, but the debt is older than 4 months and must be accurately reflected on my credit report.
Consumer complaint received 2020-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

I had a death in the family recently and missed my payment date by 2 days. I called to request a courtesy waiver of the late fee and was told that I had a late fee waived back in XXXX, so that makes in ineligible for another wavier for 12-18 months. 

The complete LACK of customer service by Comenity bank, ESPECIALLY during a PANDEMIC is ridiculous!! How can there not be exceptions to their " standard operating procedures '' during this time, not to mention for the care of a customer who has lost a loved one!! This organization is thriving on bleeding customers dry.
Consumer complaint received 2021-02-04
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: Caliber Home Loans, Inc. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-13
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. (MO)

Sent this same complaint to company last month and they responded they was not going to reinvestigate theses items that Im challenging! Its the law to investigate! Please remove all items listed or verify that they belong to me! XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX! None of these items mentioned has validated that they belong to me! Also I have no contracts with these creditors! Please remove immediately! 
,
Consumer complaint received 2022-12-19
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. (CA)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX 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 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 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 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
Consumer complaint received 2020-08-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: FIRST HORIZON BANK (LA)

I was hired by a company to online I work for them for about 2 weeks. During that time I was sent 3 mobile deposits to my account {$950.00}, {$1000.00}, and {$1000.00}. I have messages from the person I thought was my boss " XXXX XXXX ''. The first two checks came from XXXX Bank, XXXX XXXX XXXX XXXX, XXXX, CA XXXX. The last check came from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX claimed they were affiliates of our company. He told me that I needed to send out payment and gift cards to cover computer programs, desk, chair, printer etc ... I did what he said because it wasn't my money. I only sent the money out because the money cleared in my account. I found it strange that these out of state checks cleared my account after only 2 days ( I wasn't protected by my bank at all!!! ) These checks came back fraudulent after 1 week. Now the bank wants me to pay it back to them when they are the reason I am in this mess. I have since spoken to other banks that will not just put money in my account without making absolutely sure that it is not fraudulent!
Consumer complaint received 2020-08-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

I want to file a complaint of mortgage fraud. I recently learned that XXXX XXXX applied for a mortgage in 2017 and put we were married and put me as his dependent. I would like to state that he is not married and I am not his dependent. Mr XXXX received the mortgage in XXXX, 2017, from USAA Federal Savings Bank c/o XXXX XXXX XXXX  XXXX. The address is XXXX XXXX XXXX   XXXX Ny XXXX. My name is XXXX XXXX, phone number XXXX XXXX XXXX.
Consumer complaint received 2020-08-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BCA Financial Services, Inc. (FL)

BCA Financial Services for a medical debt of XXXX and XXXX has not shown me receipts or itemized bill or what doctor I saw. The bill has been paid. I have no record of this bill or what it was for. I have no idea what was billed to my insurance company. I have reached out several times in the past years and have not gotten a sufficient response or what the bill was for. They are in violation of the Fair Credit Act.
Consumer complaint received 2016-10-03
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Byrider Franchising, LLC (GA)

I received a car loan in XX/XX/XXXX. It was co-signed with an ex-boyfriend. In my stupidity, I thought that the split was going to be civil and we were going to help each other out. However, this was not the case. After telling me he would make the payments until I got on my feet, he defaulted on the payments and the car was repossessed XX/XX/XXXX. However, CNAC reported that there were late payments all the way up till XX/XX/XXXX. This was not the case by any means. I had spoke with the company personally and all I received were threats and no resolution to the problem. They refused to answer any questions I had or removed the incorrect information from my credit report. Also, they say a payment was made in XX/XX/XXXX and there was no payment made by me since XX/XX/XXXX. The gentleman I dealt with was extremely rude and just flat out hateful. On top of that I was emailed by the company with someone else 's personal information that included their name, address, birth date and social security number. When I called them very concerned that my personal information as well I was brushed off and was basically told they would not talk to me about it. They have done nothing to fix any of the problems that I have had with them.
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX and Transunion should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Equifax and XXXX  should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-08-13
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. (TX)

Im disputing the XXXX  XXXX XXXX - XXXX account below. The bank is reporting this debt as a charge off and no payments have been made. I have attached proof that this account is being paid on monthly and that the balance is wrong. 


XXXX XXXX  XXXX {$24000.00} Closed 28 charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$24000.00} Original loan amount {$45000.00} This information isnt correct, I have stated that there is incorrect information that needs to be corrected or removed. You should list out the inaccurate information in your letter. 

If the incorrect information cant be verified, remove the charge off. 

I will be contacting a lawyer regarding this because you have been reporting false information for more than a year.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

has violated my rights. Or a list of inquiries : 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 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I received a copy of my credit report stating that I had initiated a dispute, with experian when in fact I had not be able to do so and I filed a complaint with the Consumer Financial Protection Bureau ( Cfpb ) Experian sent me back the report stating this as fact. 
And then asked Cfpb to close this case which it did. I have attached the front of the document that Experian sent me as evidence that Experian provided to Cfpb deceptive information in order to have this case close, which is did before I had an opportunity to respond. 

Today I called Experian and I was put through an automated selection. 1. I could ask for a credit report. 2. Security Freeze.

There is no option to dispute, however their website directs me to do the dispute by phone. Therefore I have no way of disputing the credit report and Experian lied to the CFPB regarding that I had actually had the opportunity to dispute the credit report.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A. (MD)

I had booked XXXX XXXX tickets for my family members ( XXXX XXXX to Washington XXXX ) using my Citibank credit card on XX/XX/XXXX. 
The Actual travel was on XX/XX/XXXX, Due to travel restrictions and lockdown in XXXX, I had cancelled my tickets on XX/XX/XXXX. 
As per XXXX customer service updates I should get refund in 90 days from XX/XX/XXXX. Since 90 days was long time for me, called Citibank and opened Dispute transaction and XXXX  responded back to dispute saying, we are working on Refund. Hence we do not accept charge back, so please ask customer to work with us directly to get Refund.

I thought XXXX  is really doing something, so I had withdrawn my dispute and started calling XXXX Customer care. 
I had called Airlines more than 30 times so far and every time they are just asking me to wait for 7 -14 days and pushing as far as they can. 
As of today XX/XX/XXXX, I have no updates from Airlines and refund not processed. 
It's been 5 months now, I don't know how long I have to wait. Citibank is saying they can't help on withdrawn dispute.
Consumer complaint received 2020-08-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I needed to transfer money from my HELOC at The Huntington Bank in XXXX, IL to my XXXX account. I required the money for a down payment on a property which was suppose to close XX/XX/XXXX. I went to XXXX on XXXX, XX/XX/XXXX to wire the money and was told the wire may not go out until XXXX. When I called on XXXX morning they were just sending over the wire. I spoke with XXXX XXXX who I had set up the wire transfer when I visited the bank. She sent over the wire confirmation via email. To date, the transfer is not showing up on my HELOC account, but did post to my XXXX account on XXXX, XX/XX/XXXX. XXXX can not tell me why my account is not reporting the correct balance nor when it will report the correct balance. My lender needed this new balance to show up in order to close on my new property. We spoke with the branch manager XXXX XXXX several times and he is doing nothing to help us. My husband spoke with him just before XXXX XXXX  XXXX on XX/XX/XXXX and XXXX XXXX told my husband he was leaving at XXXX XXXX   sharp and " our issue was not his problem. '' We are going to lose our new home and {$10000.00} of earnest money if we don't close in the next couple of days. Nobody at that branch wants to assist us. Something was not done correctly and they won't tell us why my balance is not reflecting correctly.
Consumer complaint received 2020-08-13
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. (PA)

I checked recently credit report and saw information which never opened before like a few accounts and address. I listed all off these account in identity theft. All off them are fraud and were opened in the same time and the same year, that mean some body used my personal information and opend. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 
I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine