davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WA)

About a year ago I noticed my principle balance on my loan increased. Ocwen loan servicing added roughly 4800.00 dollars to my principal balance. I called them and questioned why. They could not give me a reason why. The next day I noticed they reversed the charge. They reapplied the money back to my account. This made me really suspicious. So I requested statements the statements never had the information showing the mistake or fraud. I called multiple times in most cases I always had to talk to someone else. My account representative was never available. After multiple complaints I was given a new account representative. Even though I set up appointments with her she wouldnt always call me back. She never did give me an explanation why they added this money to my account. After months of trying to figure out why I got burned out and gave up. 
Well today I was looking back at my statements online. Ive noticed once again money being added to the principle balance. 
I havent taken any loans out or refinanced. I missed some payments years ago but Ive paid everything back through my bankruptcy. I dont understand how they can increase the principle balance on my loan. Am I miss interpreting the statements? 

Please help!
Consumer complaint received 2022-02-17
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. (TN)

My name is XXXX XXXX. I am filing a complaint against XXXX XXXX. Their address is XXXX XXXX XXXX, XXXX, Tennessee XXXX. # XXXX XXXX XXXX, XXXX name is XXXX XXXX. On XX/XX/2021, I entered into a contract with XXXX XXXX for a washer and dryer. I was later advised by my credit counselor to pay off this contract in 90 days. On XX/XX/2021 I made my first payment in the amount of {$110.00}, with a live person on the phone. I made the second payment using the automated system. That payment posted XX/XX/2021 in the amount of {$110.00}. The final payment in the amount of {$950.00} was also made through the automated system XX/XX/2021. I received a phone call from XXXX XXXX XX/XX/2021. I spoke with XXXX in the billing department who informed me that my account, that I thought I had paid in full, is now 3 months behind and they needed a payment. After going over the accounting with her we learn that they took the money that was to be applied to the washer and dryer and applied it to an account that was over XXXX XXXX XXXX. This so-called forgotten account did not show up on the credit report. If so my XXXX XXXX would have seen it and advise me to take care of it. I have been paying a company over the past several months to repair my credit. Prior to the unprofessional conduct from XXXX XXXX my credit score has gone up. Because of the action from XXXX XXXX it's now going to delay my timing for a purchase of home and automobile. XXXX of the credit bureaus are now less than XXXX and the other is less than XXXX. I never enter into any contract agreement stating that funds from one purchase can be use towards another purchase. They never contacted me to inform me they were going to take the funds to satisfy an old forgotten account that they already received credit for. What we are seeking is, credit showing that the washer and dryer is paid in full with no delinquent marks on my credit and secondly I am seeking Financial restitution for the Damage to my credit score. My name is spelled XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, Tennessee XXXX. Thank you for your assistance.
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (MS)

I received a letter from Credco dated on XX/XX/XXXX stating that they have investigated with XXXX of XXXX on why they asked Credco to run my credit from both XXXX and XXXX. I had already reached out to that company with no response. Credco did not get a response from them, either so they sent me a letter stating that they would ask both credit bureaus to delete the inquiry. And sent me a copy of the letter. It is still on my report. I have talked to Credco and they insisted I needed to contact the bureaus because they had sent them the information. Both bureaus said they had not gotten it because it needs to be electronically sent and that I had to reach back out to Credco. I am tired of the run around and this is not going to stay on my report even after it has been discovered to be done without my permission.
Consumer complaint received 2020-07-27
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. (LA)

EXPERIAN FAIR TO FOLLOW GUIDELINE UNDER THE FCRA EXPERIAN REFUSE TO REMOVE ACCT OFF MY CREDIT REPORT BK # XXXX THEY KEEP SAID THEY validated XXXX XXXX IN request FROM, I have gave them for chances to get it right
Consumer complaint received 2020-07-27
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. (WA)

I have called to file the dispute on XX/XX/XXXX and tried to explain to them that I was a victim of inquiry issue. I was told that I was not a victim and that they can not due anything because they do not do anything about it. They told me to wait till they get off my credit. 
inquiry that I was referring to was : XX/XX/XXXX and XX/XX/XXXX - US SM BUS Admin XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-17
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. (TN)

My name is XXXX XXXX. I am filing a complaint against XXXX XXXX. Their address is XXXX XXXX XXXX, XXXX, Tennessee XXXX. # XXXX XXXX XXXX, manager name is XXXX XXXX. On XX/XX/2021, I entered into a contract with XXXX XXXX for a washer and dryer. I was later advised by my credit counselor to pay off this contract in 90 days. On XX/XX/2021 I made my first payment in the amount of {$110.00}, with a live person on the phone. I made the second payment using the automated system. That payment posted XX/XX/2021 in the amount of {$110.00}. The final payment in the amount of {$950.00} was also made through the automated system XX/XX/2021. I received a phone call from XXXX XXXX XX/XX/2021. I spoke with XXXX in the billing department who informed me that my account, that I thought I had paid in full, is now 3 months behind and they needed a payment. After going over the accounting with her we learn that they took the money that was to be applied to the washer and dryer and applied it to an account that was over 15 years old. This so-called forgotten account did not show up on the credit report. If so my financial advisor would have seen it and advise me to take care of it. I have been paying a company over the past several months to repair my credit. Prior to the unprofessional conduct from XXXX XXXX my credit score has gone up. Because of the action from XXXX XXXX it's now going to delay my timing for a purchase of home and automobile. Two of the credit bureaus are now less than 600 and the other is less than 700. I never enter into any contract agreement stating that funds from one purchase can be use towards another purchase. They never contacted me to inform me they were going to take the funds to satisfy an old forgotten account that they already received credit for. What we are seeking is, credit showing that the washer and dryer is paid in full with no delinquent marks on my credit and secondly I am seeking Financial restitution for the Damage to my credit score. My name is spelled XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, Tennessee XXXX. Thank you for your assistance.
Consumer complaint received 2022-01-15
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: Maximus Federal Services, Inc. (AR)

I received notices from XXXX school loans that I had 3 outstanding loans and they wanted payment in XXXX ', I had not graduated high school nor ever applied for a student loan. I have contacted XXXX by registered mail 3 times. 
This is on my credit reports. 
I just received my XXXX  in XX/XX/XXXX again I have never needed a student loan. I am hoping you can review because this is a case of identity theft. i have asked XXXX for any signature pages and have never received any response of any kind My information is : XXXX XXXX XXXX dob:XXXX ss # XXXX i am hoping with the current situation with XXXX this can be cleared up
Consumer complaint received 2018-07-21
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 (ND)

Hello, I started a dispute with TB Bank who manages my XXXX store card for a transaction that occurred on XX/XX/XXXX for an amount over {$800.00}. 

I returned a phone to the merchant, the merchant accepted my return, but I never received a credit from the merchant. 
After attempting to resolve with the merchant several times, they would not issue a credit, stating they " will put in a request '' that I never heard back from. 

I started a dispute with TD Bank XX/XX/XXXX, within 60 days of the disputed transaction providing details both by mail and verbal forms of communication. I received a letter XX/XX/XXXX confirming the claim was started. 

It has since been over 97 days since I started the claim, and I have not heard back from TD Bank in any form ( mail or phone ) asking me for additional information, or, with a status of my claim. I sent the bank messages XX/XX/XXXX and XX/XX/XXXX through their online banking system and was not provided a status of my claim, only that it would be resolved within 90 days and I would receive a letter with the outcome. 

I attempted to contact them by phone today, XX/XX/XXXX, to get the status of the claim and was told I should get a letter by next week, which I had been told the week before. 

Thus far, TD Bank has not credited my account back for the balance, and the merchant has the product! I have not benefited from this transaction in any way and TD has kept me in the dark regarding the status of my claim. Since my account has not been credited after the 90 days, I can only assume that my claim was denied, however, unless the claim is in arbitration ( which I have not been made aware of ) I believe TD bank has mishandled my claim, as the information I provided them should fit the association 's charge-back guidelines. 

I need a satisfactory resolution on this claim as soon as possible, this transaction has been negatively impacting my credit for far too long and there is no reason the bank should not be able to provide me a simple status of the case over the phone, such as " Your claim is denied for this reason '', or, " Your claim is resolved in your favor ''
Consumer complaint received 2019-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In XX/XX/2019 I contacted ( XXXX ) to have my credit report from all three agency mailed to me. I decided to have them mailed because when I tried obtaining it online in the past one or all three refuse to allow me to access my report. Last year after first going online I only received one report. I called two weeks ago, and have not received anything any from TransUnion, XXXX, XXXX.
Consumer complaint received 2020-07-27
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: CITIBANK, N.A. (PA)

Macy 's credit card problem -- Macy 's incorrectly continues to bill us for a credit balance check we never deposited ; has failed to resolve this error ; and instead reported my account as delinquent to the credit report bureaus. We have called Macy 's credit card several times over the last six months, but have not obtained any resolution. 

Based several telephone conversations with Macy 's ( Citibank/XXXX  ) credit card representatives, the following facts are undisputed even based on the credit card company 's own account history and notes : 1. On XX/XX/2020 I decided to close my Macy 's credit card account. Because we had auto-pay set-up, we overpaid the credit card account by {$440.00}. 

2. Upon closing the account, Macy 's electronically refunded {$440.00} back to our checking account ( see attached transaction information from my checking account ). 

3. For some reason, on XX/XX/2020, Macy 's also sent a physical check ( No. XXXX ) for the same amount ( {$440.00} ) to us in the mail ( see attached ). We never deposited or cashed this check, and Macy 's has confirmed the same in several conversations through their customer service representatives. In fact, in response to our calls and according to their on records, Macy 's issued a stop order for this check on XX/XX/2020 ( again confirming that this check was never deposited or cashed ). 

4. Macy 's credit card has nevertheless continued to send monthly bills to us demanding payment of the {$440.00} plus interest charges and fees. See the last monthly bill we received, dated XX/XX/2020 showing a total balance of {$510.00}. 

5. More recently, we called Macy 's credit card on XX/XX/2020, XXXX, XXXX, 2020, and XX/XX/2020 in an attempt to resolve this dispute. They continue " review '' our account history but have failed to provide any update or resolution. 

6. Despite our many calls notifying Macy 's credit card of the apparent error and our attempts to resolve it, Macy 's credit card reported our account as " delinquent '' to all three credit reporting bureaus. My credit reports from all three bureaus shows that Macy 's account as the only one that has any negative activity/delinquency. As a result of this incorrect reporting by Macy 's credit card, my credit score has gone down almost 100 points -- from " excellent '' credit down to " good '' or " fair ''. Macy 's  error has directly and negatively impacted my ability to get approval for a new home mortgage loan. 

7. Please, please help me get Macy 's credit card to correct this error and make the appropriate corrections to my credit report.
Consumer complaint received 2023-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (IN)

I use Huntington Bank for my debit card and on XX/XX/XXXX between the times XXXX and XXXXXXXX XXXX I deposited XXXX {$1.00} bills into the ATM located at XXXX XXXX XXXX XXXX, Indiana XXXX. After the ATM took my bills it showed a screen that said something similar to could not complete transaction. Please contact your bank. After that it gave me back my card but the {$26.00} did not get deposited into my checking account. 
I called Huntington customer service immediately after on XX/XX/XXXX and they submitted a claim with the number XXXX XXXX XXXX XXXX. I called XX/XX/XXXX to check on it and they said it was cancelled due to not enough info. They submitted another claim with the number XXXX XXXX XXXX XXXX that same day. I called on XX/XX/XXXX to check on that and they said it was cancelled due to not enough info. 
Still do not have my {$26.00} that the ATM took.
Consumer complaint received 2022-02-17
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I have a loan with CREDITACPT with the account number XXXX. I have always made my payments on time yet there was a 120-180 days late stating in the payment history. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I've already tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.
Consumer complaint received 2020-07-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/2020, I reached out to Wells Fargo to stop pause my credit card and personal installment loan accounts. On the phone I was told my payments would be paused and my interest would be paused. My credit card did not charge me interest, however to my dismay, my personal loan continued to charge interest even though Wells Fargo had paused payments. Wells Fargo is making extra profit by taking advantage of its most vulnerable costumers who have been devastated by COVID-19. My complaint reached the top level executives and the verdict came back that they would continue to charge interest on an account they claimed to lend financial assistance. These accounts should been completely paused. Instead they chose to make a profit.
Consumer complaint received 2018-05-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

After approximately 15 years of being a customer at Bank of America my account was abruptly closed WITHOUT notice. I went to purchase some, much needed, medicine at the pharmacy and my card did not work. I tried to log in online and my account was locked. 

I called the bank to see what was going on and I was informed that my account was being closed. When I asked why I was told " The bank has the right to terminate its relationship with you at any time and has made a business decision to close your account. '' I asked for a specific reason and that is all that I was told. 

I had about $ XXXX in the account and I was told that it was being mailed to me and that it would take 10 to 15 BUSINESS DAYS. 

I now can not pay my rent which is due on the XX/XX/XXXX. I am going to get charged an approximately {$350.00} to {$500.00} late rent fee because I do not have any access to my money. I am also going to get charged late fees to creditors. I have critical medicine for some VERY SIGNIFICANT medical issues that I now can not pay for, for the next few weeks because I have no access to money. 

I also, have payments from my job that are supposed to hit my account via direct deposit. ON TOP OF ALL OF THAT I CAN NOT OPEN ANOTHER CHECKING ACCOUNT BECAUSE I DO NOT HAVE ACCESS TO MY MONEY AND WONT FOR POTENTIALLY 3 WEEKS. Had I been given even a 24 hour notice I would have been able to pull my money out of my account and take it to another bank. 

This is a COMPLETELY unethical business practice regardless of what the terms in the account agreement state. A bank has captial set aside for unforseen and XXXX business events. Yes, a consumer can close an account with a bank at any time without notice. A bank, however, has funds sitting in an account because this is a XXXX activity. A consumer does not expect a bank to close its account after 15 years WITHOUT NOTICE!!!!! 

I recently entered into a hardship program with my credit cards at Bank of America due to medical issues and I beleive that Bank of America is discriminating against me because I have entered into that program. I think this should be publicly communicated. I do not know what else it could be becaue Bank of America is being very secretive about why they closed my account
Consumer complaint received 2019-03-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (ID)

Called claiming to be a legal processer. Said i owed a debit for a credit card opened in XXXX of 2014. I was in middle of a seperation and did not open a credit card. The demanded payments or Said they were going to have me served by local sheriffs department. Orignial voicemail was a robot saying they had fax for me. I asked repeatedly for verification notice and they keep telling me its to late for that. They called my brother and mother today and told them they were looking for me because i was ignoring their calls after i had spoken to them mulitply times mon and tues and today. They told me they would settle debt for less if i paid now but they refuse to verify debit or company. The first time they called they said they were T H E legal processing. The second time they said they were tristar legal processing. The number they called off of is different than the number they said to call back.
Consumer complaint received 2018-05-03
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. (OH)

Acct # XXXX Our lease was up in XX/XX/XXXX. In beginning of XX/XX/XXXXXXXX XXXX is stating account current and payments made in XX/XX/XXXX and XX/XX/XXXX then behind and trying to forward the account to XX/XX/XXXX. Also a payment in XX/XX/XXXX sometime. Then charging it off this past month. Date should be when account ended/last payment. Disputed it and nothings changed. I have proof of lease termination/turn in. They should have to show proof of payments in order to up the fall off date 4YRS. Experian should know better. 

Per Experians own site- The original delinquency date is the date the account first became delinquent and was not brought current. This date is used to determinewhen the late payment information is deletedfrom your credit report.
Consumer complaint received 2018-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (MS)

On XX/XX/2018 Discover credit card has reported a miss payment to my XXXX  credit report and also on XX/XX/2018 reported to XXXX  and XXXX  with inaccurate and obsolete information thats shows on all 3 credit bureaus and they will not remove it.