davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-24
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (SC)

When our mother died suddenly and unexpectedly last XXXX, I began communicating with her reverse mortgage servicing company, PHH, about our desire to keep the property. I had already been told, by persons knowledgeable about reverse mortgages as well as PHH customer service reps, that extensions were available to heirs to be able to market the property OR obtain funds needed for the payoff. They mentioned 90 day marketing extensions as well as two six-month extensions that were pretty much the norm for anyone. BUT, it took almost six months just to be able to actually make the request. In XXXX, I was finally granted a six month extension and was informed that if I wanted a second one, I simply needed to request it via email a week before the first one expired. I followed her directions to the letter. 

When I requested the second extension ( in XXXX ) I was told no more extensions were possible because the extension we had was a covid extension and that those were lifted in XXXX. I do not recall being told by anyone I ever spoke to that covid extensions were the only ones I could get and had no warning that they were going to be lifted. If I understood correctly, the 90 day marketing extension had already run concurrently. I was then told that the next thing to happen would be notification of foreclosure sale. No way of knowing when. 

From XXXX through XXXX of last year, I was consistently given confusing, conflicting information or was told something new that I should have been told before. And nobody seemed to be able to explain why. And of course I never talked to the same person twice, which I understand, but six months of piecemeal information and constant confusion should NOT be the norm. It did not help that the reverse mortgage servicing companies themselves changed several times. The last CSR I spoke to apologized for the misinformation I had received.
Consumer complaint received 2022-05-23
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-05-23
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. (PA)

I filed a dispute for account balance for XXXX, they came back and put a late payment on my credit history. This account has been charged off since XXXX. I received notification XX/XX/XXXX that there was a new late payment. I tried to email XXXX, the email came back undeliverable. I called them and spoke to XXXX, Id # XXXX. He agreed that a charge off should not go on credit report as a late payment and escalated the call. I am waiting for a call back from him at a later date. I contacted transunion ( XXXX ) who is reporting the late payment and whom dropped my score XXXX points and was told that they don't have anything to do with the late payment. I asked if they were to verify and validate information before dropping g a credit score and placing the information. He said no. I was denied a credit card due to the drop in credit score because of erroneous late payment.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Throughout, I've maintained timely payments on this account ensuring they never lapse. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666B - Billing Error, this should be rectified
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (CA)

Getting double charged on interest XXXX XXXX bought over GAP CREDIT CARD my previous balance on XXXX Gap Credit Card ACCOUNT & my current charges which stands for ( PB past charges or PIOR BALANCE ) on my old Gap Credit Card Account interest then XXXX Bank combine the interests with the current interest XXXX XXXX XXXX XXXX  ) of XXXX interest charges consider the current use of GAP CREDIT CARD! on my credit card! 
I am getting charged double interest : 1. ) PU Stands for current purchase 2. ) PB stands for previous balance from my XXXX  GAP CREDIT CARD merge credit card when XXXX Bank bought this card company over XXXX getting double interest charge!
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX XXXX Today is XXXX 2022, I've tried to access my credit file through XXXX 3 days ago and I had an error message pop up two times for exparian and also XXXX which I know is violating my rights as a federally protected consumer pursuant to 15 usc 1681h ( c ) ( 1 ) ( B ) ( iv ). 

I received an error message from Experian stating that the number I've entered didn't match their records. 

I've attached my forms of identification below
Consumer complaint received 2022-05-23
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. (NY)

I disputed a credit line with Equifax regarding an incorrect account balance. " XXXX XXXX - XXXX XXXX  '' showed an outdated balance of {$1300.00}. After the investigation, the account updated to the correct balance of {$120.00}. The account no longer figures into my aggregate revolving credit balance nor the aggregate credit utilization for FICO scores. Specifically, despite having a {$120.00} balance against {$19000.00} aggregate limit, my aggregate balance is XXXX  and my credit utilization is XXXX. I should see {$120.00} aggregate balance and 1 % aggregate credit utilization. Its as if the account is being ignored.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2022-05-23
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: WELLS FARGO & COMPANY (CA)

In accordance with the " Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Sec 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2019-11-23
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: TD BANK US HOLDING COMPANY (MA)

On or around XX/XX/2019 I received a statement that showed 5 different APRs on my statement and a fraudulent charge. At this time I disputed the information in its entirety in accordance with the Fair Credit Billing Act ( FCBA ) in which I asked for a request for clarification of charges and APR as I believe the bill to be inaccurate. Please Note that this dispute was done in writing to TD Bank, XXXX. XXXX XXXX, XXXX, GA XXXX in accordance with Page 2 of the Statement with the account information, dollar amount, and a description of the problem. In addition this was down over the phone to XXXX as specified in page 2 of the consumer statement. During this time Page 2 specifically states " while we ( TD bank ) investigate whether or not there has been an error, the following are true : We can not try to collect the amount in question, or report you as delinquent on that amount ''. Despite TD Banks own written statements and contract they have continue to attempt to collect the amount in question and have reported me to the credit report agency as delinquent. As of the date of this complaint I still have not been updated in writing to the status of the investigation or whether or not there has been an error. Due to the amount that was disputed being reported in violation of the credit card agreement and Fair Credit Billing Act ( FCBA ) which states that a consumer " may withhold payment on a disputed during the investigation '' in addition the FCBA also states that " the creditor may not ... report you as delinquent ''. After TD Bank violation the card agreement and the FCBA the consumer reported the issues the the credit bureau and TD Bank once again report this a consumer as delinquent again a violation of the credit card agreement and federal law. Throughout this process TD bank has not conformed to the Credit CARD Act by actively attempting to shield transparency from the consumer. In addition TD Bank has not conformed the their credit card agreement pacifically section 9B " How to dispute reports regarding your account '' which states that they will notify the consumer of the results " within 30 days ''.
Consumer complaint received 2022-05-23
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 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. 

XXXX Accounts # 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 XXXXXXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, as 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 instruction.

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 and any other adverse items 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 2022-05-23
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: Experian Information Solutions Inc. (GA)

I have sent several letter communications and I have received no results and no actions have been taken to fix my report. None what so ever on all credit bureaus. XXXX XXXX XXXX and Experian
Consumer complaint received 2022-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (NC)

I had my Citi AA MileUp card for a year. When I got the card ( XX/XX/XXXX ) and last month via agent Chat, I was advised that after a year I could convert the card to the AA Platinum Select Card. When I called to convert the card on XX/XX/XXXX, I was advised that my {$1000.00} Credit Limit was not enough and had to be increased to at least {$2000.00} to convert. The representative requested an increase which I was denied for. The denial reason ( received notice via email on XX/XX/XXXX ) was that the account hasn't been open long enough to be considered for an increase. I have spoken to multiple agents who stated that I should have been eligible to be considered for an increase after 6 months of having the card yet I have gotten this denial reason several times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). After speaking with a total of 7 agents, another agent tried to request credit line increase on the same day and I got the same denial reason : account hasn't been open long enough to be considered for an increase. Therefore, I was refused the conversion to the AA Platinum Select Card and denied a credit line increase. However, when I applied for the AA Platinum Select Card on my own on the same exact day, I was approved with a {$6500.00} credit limit so it makes no sense as to why I was denied the conversion to this same exact card AND denied a credit limit increase to {$2000.00} ( up from {$1000.00} ) to complete the conversion. I have never been late or went over the credit limit so that can not be the reason for the denial.
Consumer complaint received 2023-03-03
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Wealthfront Corporation (NY)

I am attempting to assist a Client in opening a " cash '' account. Not sure if it considered a savings account or not. 

Wealthfront has made the process extremely difficult. We are unable to finish the process online nor on the phone app. They can't get documents uploaded. They can't verify the ID, which has been submitted multiple times and they don't have record of it. I am concerned because this is money for a minor and the custodian, who is my client, is trusting this new online app and they can't seem to keep proper records. 

I am not sure if there is a resolution other than allowing folks to finish the application on the website rather than the app to make it easier for certain people. Or to avoid the automated system that verifies ids and use a real person instead. 

We tried to use the app and the system still can not read the images nor does it have record of uploads. They have locked it and forced us again to wait for customer service, who has, in the past, been unable to assist with this problem because they don't have the tools to do it. 

We have attempting to open this account since Winter of XXXX and have more trouble than any other financial institution I have worked with. Which is numerous, both big and small. 

Furthermore, the client has listed me with Wealthfront as a " trusted contact '' for this cash account and the robo investor account and I have a legal power of attorney for activity and Wealthfront is refusing to communicate with me, which in turn is making my client more frustrated.
Consumer complaint received 2022-05-23
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONRAD CREDIT CORPORATION (FL)

I took a cruise to the XXXX in XXXX of 2018. On a tour excursion there was a vendor advertising a timeshare. I went in to talk to them and I was told that they would buy out my XXXX XXXX and I could then use XXXX XXXX. When we arrived back to the US, I tried to use the website I was given to book a trip. The website was a fraudulent website, I could not book or anything else on the website. I then contacted XXXX and was unable to talk to any of the salespeople at that location. I tried to cancel this contract. XXXX  sent me an email stating that someone from the concierge service would contact me. I was not contacted. I disputed this debt with XXXX when Conrad Credit owned the debt, and it was removed. Now XXXX has put it back on my credit report. XXXX never took over the XXXX timeshare and did not perform what they said they would do. I am a Veteran and a XXXX. I feel I am being taken advantage of. I am unclear as to how two different companies can report anything on my credit report. I would like to have this taken off my credit from both companies. Where is the proof that they took over the XXXX XXXX?
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

Equifax is reporting 3 accounts with negative information without any information on said accounts. My credit report from equifax does not reflect any negative accounts. If not reflected in my credit report it should not be published and or having a negative impact on my credit score.
Consumer complaint received 2023-03-03
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: EQUIFAX, INC. (NY)

ONCE AGAIN THIS COMPANY HAS VIOLATED MY RIGHTS I HAVE SENT THEM THIS COMPLAINT MULTIPLE TIMES AND AT THIS POINT ITS HURTING MY CHANCE OF PURCHASING A HOME. THEY ARE IMPROPERLY REPORTING ITEMS ON MY CREDIT REPORT THESE ITEMS NEED TO BE DELETED ASAP. I AM A NATURAL PERSON, I AM A LIVING HUMAN BEING, I HAVE RIGHTS UNDER 15 USC 1681. XXXX IS A GOVERN BY 15 USC 1681. AND THEY HAVE VIOLATED MY RIGHTS NUMEROUS TIMES. I DEMAND THE FOLLOWING ACCOUNTS LISTED BELOW DELETED BECAUSE ACCORDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE EQUIFAX WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS. - XXXX XXXX XXXX - XXXX 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
Consumer complaint received 2022-09-28
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. (PA)

XXXX XXXX sold my student loans to XXXX XXXX AND I paid them in full with a XXXX which finances the loan for pay off and set off. Since the loans are off XXXX XXXX XXXX they should not be reported like they are still owning the loan themselves. What i want for them to do is stop reporting the loan and remove the items from my credit report becuase they sold the debt to XXXX XXXX and no own it. 


XXXX XXXXXXXX was paid with a XXXX and is committing trust fraud bank fraud and money laudering etc which i will be reporting to other companies as well.
Consumer complaint received 2023-10-01
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX XXXX XXXX canceled charge {$150.00} refunded money. Credit card company Sent me letter resolved in my favor. But they will not credit my account called 27 times all said it was being fixed. 2 statements no credit.