davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (WI)

Last winter I started receiving cryptic phone calls from someone who would not identify themselves or the company they worked for. They wanted to talk to me about my XXXX XXXX credit card. I was afraid the phone calls were fraud, so I ignored them. I then received a phone call from the same person at my office, so I called the phone number on one of my credit card statements to find out what was happening. When I did so I was told they had sold my account to this other person. When I asked 'why ' they told me I needed to talk to this other person, they were no longer doing business with me. 

I then called the number on my caller ID and this person told me they were debt collectors and had purchased my account, that I owed them almost {$10000.00}. I told that it must be a mistake. I last used that card XX/XX/XXXX and paid the bill in full XX/XX/XXXX. The debt collector at XXXX XXXX XXXX started talking about charges made at stores inXX/XX/XXXX I have never been to, and said the bank had sent me letters regarding these charges that I had ignored. I told him my last communication from the bank regarding this charge card was the XXXX XXXX statement, and nothing had been sent to me since then. The debt collector started reading a letter I was unfamiliar with, then said it had been sent to my address XXXX, XX/XX/XXXX 

I live in XXXX,XX/XX/XXXX at the same address since XXXX. I have also lived in the XX/XX/XXXX XXXX, XX/XX/XXXX area since XXXX. I do not own a house in XXXX, XX/XX/XXXX, nor did I ever change the billing address on my account. Someone not only was using my charge card without my permission, they first changed the billing address on that account so I would not receive any statements. 

While I haven't heard anything from the debt collection company for almost a year, they are now sending me statements asking me how I plan to pay this debt. 

The bank that oversaw my XXXX XXXX credit card is Comenity Bank, XXXX. XXXX XXXX, XXXX,XX/XX/XXXXXXXX. The debt collectors are XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX,XX/XX/XXXX XXXX. 

The bank never attempted to contact me at my billing address. Nor did they attempt to contact my credit union. I use my credit unions electronic bill paying service to pay my bills for over 11-years. Why Comenity never contacted my credit union to see why the payments had stopped coming is unknown. Nor do I know why they never attempted to contact me at my previous billing address. I never gave anyone permission to change my billing address. Why Comenity would not look into why this all started after someone changed my billing address and never think of contacting me at my old billing address is unkown. The fact Comenity does not want to discuss my account with me makes me suspicious of their change of address process.
Consumer complaint received 2022-05-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-08-18
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. (AL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have inquiries reporting on on my credit report that I didn't authorize. I would like them removed/deleted. 

I will list them here with dates. 
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
Consumer complaint received 2020-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IN)

I have been making consistently bi-weekly payments with my mortgage servicer 'Mr. Cooper ' dating back to XXXX, but recently an 'adjustment ' has shown up on my statement titled 'Forbearance Adjustment ' that has caused an underwriter for my new home to question my payment history and has delayed my loan acceptance. I called their customer service department on XX/XX/XXXX and advised them of this issue and they did confirm verbally that I was never in forbearance and never applied for it, but refused to remove the forbearance adjustment from my account. I then followed up with an email that day to their research department at XXXX per direction of their customer service team and still have not received a response. 

This is not an accurate record of my payments made and does not accurately reflect my consistent monthly payments that have been made in accordance with my agreement. Reporting this way on my statements has negatively impacted my ability to apply for my next family home and has caused me significant extra work to prove to my new lender that I do make consistent payments and never apply for forbearance. 

I can provide copies of all correspondence as requested.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2022-05-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My Bank of America has been restricted. I went to the bank to resolve the issues and XXXX me a number to contact. I have called the number and need verification of me. I was told to go in the branch and have them verify me in which I did. The issue I'm having now is, I can't get the the bank to withdraw my money in my account. I'm stuck trying to lay my bills and they're having me go back and forth with bankers online and at the branch.
Consumer complaint received 2022-05-03
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. (MI)

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 XXXX has me at a score around XXXX. 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 XXXX 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 XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

From what I understand, FCRA 605B says wrong accounts should be taken off credit reports. Please check the accounts in the documents. They're reported wrong on my credit report. I'm upset and feeling sick about it. Can you help?
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (GA)

I've been a victim of identity theft in the past. Time past and I start seeing unauthorized inquires show up on my consumer report. I realized I needed to do a police report and immediately contacted each of the bureaus. its been over 60 days and they have yet to correct this situation.
Consumer complaint received 2022-05-03
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXX XXXX {$690.00} XXXX/XXXX XXXX {$4400.00} XXXX XXXX {$60.00} XXXX XXXX {$2200.00}
Consumer complaint received 2021-09-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (FL)

XX/XX/2021 Better Mortgage 3+ hours of being on hold with ZERO assistance. Nothing like dropping the ball the day prior to someone trying to close on their home. Better sends me a Closing total of XXXX and then XXXX for closing on a XXXX home. LOL. So I tell them it's wrong once and they actually increase it by XXXX additional!! Trying to get on the phone with the people that can assist you is NEAR IMPOSSIBLE! They are ALWAYS out of office or " Out to Lunch '' .. Yeah okay... 

No one is able to help me, I would never recommend this company. 

My closing cost should only be XXXX, not XXXX... I'm not sure what they are doing over there but they don't deserve any customers. They are apparently terrible at math and also terrible at communication.
Consumer complaint received 2022-05-03
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. (TX)

Equifax has sent me a letter refusing to investigate my identity theft claim. After I have mailed XXXX identity theft report and disputed accounts they are refusing to help me with these items that are incorrectly being reported. XXXX I add my privacy rights were violated by Equifax in the data breech and In accordance with XXXX this company has violated my rights 15 U.S.C 1681 section 602A states that i have the right to privacy U.S.C 1681 section 604 A section 2 states that a consumer reporting agency can not furnish and account or my personal information without my written or verbal instruction
Consumer complaint received 2021-09-07
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: Experian Information Solutions Inc. (NC)

Two new inquiries on my credit report as reported by Experian through my ID XXXX account. These inquiries were unrecognized by me. These two inquiries were from XXXX Financial Services located in XXXX XXXX, DE for a credit card and the second inquiry was from the United States Business Administration DOA in Texas. The person was applying for a small business loan for disaster relief using my SS #. I contacted the XXXXr Financial Services Fraud department and the U.S. Business Administration and both put a fraud alert on each application. I also filed a police report.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-02-07
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)

On XX/XX/XXXX I received an electronic notice from Experian stating that I had a delinquent credit account with XXXX XXXX. I have a car lease with XXXX XXXX that had its last scheduled payment due XX/XX/XXXX. But I did not understand what that delinquent credit could be referring to as I have always paid my lease payment of {$810.00} on time through an autopay account. 

That evening I checked my mail and discovered I had a letter dated XX/XX/XXXX from XXXX XXXX   stating that I owed {$1300.00}. Given that I still had one more payment left I called XXXX XXXX to understand what the owed amount was related to. According to XXXX XXXX, when I registered my car in Massachusetts in XX/XX/XXXX ( I had initially leased and registered the car from a dealer in New York in XX/XX/XXXX ) my lease payment had gone up by {$50.00} a month due to increased taxes in Massachusetts. The roughly 20 months of incremental $ XXXX monthly payments I had missed plus penalties and interest were worth {$1300.00}. 

I explained to XXXX XXXX that I was never once told of of the increased payments. XXXX XXXX  has my address, my phone number and my email address - I never received one notification as to the increase in payments, nor a notice of a late payment. To have received my first notice that anything was amiss 20 months (! ) after the increase in payments began strikes me as ridiculous. While I am upset about the increased payments which I did not know about ( made worse by the fact that I spoke to XXXX XXXX   numerous times before I had to register my car in Massachusetts in XX/XX/XXXX as I needed several documents from them to register the car and they never mentioned anything about the increase in payments ) I am much more angry about that fact that by sending a delinquency notice XXXX XXXX  has negatively and quite unfairly impacted my credit score. It is clear from the fact I sent every one of my XXXX lease checks to date on time that the only reason I did not pay the incremental {$50.00} amount is because I was not aware of the increase in the first place. 

XXXX XXXX 's actions appear to be a sorry attempt to extract late fees and interest from me at the last minute before my lease expires. Worse, they have no compunction about hurting my credit score on  the way to doing so. I am writing the Consumer Finance Protection Bureau to assist me in getting this demerit off of my credit report. My account number with XXXX XXXX is XXXX. Thank you, XXXX XXXX
Consumer complaint received 2021-09-07
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ClearPath Lending (FL)

XXXX XX/XX/2021 Complaint Against : https : //www.clearpathlending.com XXXX and XXXX Application ( fake number ) XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Application ( fake number ) XXXX and XXXX Florida Mortgage lender # XXXX On XX/XX/2021 I had asked this company to STOP harassing me. NO means NO I haven't solicited this junk misleading mail, nor I want to do any business with his misleading letters and company. 
This company has target me as per many others veterans. Based on the Consumer Financial Protection Bureau, which issued a consent order against ClearPath Lending, Inc. ( ClearPath. Please read the below statement.

Now Im receiving an misleading envelop, hard to tell where it does come The he envelop stamp reads Presorted Standard US POSTAGE Paid XXXX NJ Permit # XXXX, A misleading a very confused misleading letter with a title RE : Veterans Administration Loan using my name and home address for marketing.

ClearPath sent numerous numerous advertisements for VA-guaranteed mortgages that, among other things, misrepresented the credit terms of the advertised mortgage senior citizens and veterans are being mislead with this type of letters. This company its obtaining my personal information and misused it for marketing. I had ask not to contact me. No I do not want any contact with this misleading envelops advertisements. Why we veterans are being target for this institutions. 

Do not contact me, do not use my name, do not intent to misleading me please, I'm a senior citizen, a United States veteran and a XXXX  you are causing me XXXX  XXXX  being continuously harassed by this companies who are not 100 % honest. 

STOP, remove my name from any branch, any marketing company that do business with this company. 
I will never do any business with a fake misleading company, Please look at this misleading confusing letter, Desire solution : Please do not use my mane and home address for soliciting / junk mail/ not requested marketing. Please Stop ( second request- XX/XX/2021 ) Do not contact me. Im not interested on your business. Remove my name and personal information from your database any other data based that your company submitted y information and your marketing companies.
Consumer complaint received 2022-05-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I purchased a business on XX/XX/XXXX. The business had two bank accounts with Huntington Bank, and two Automatic transfers that the previous owner had set up to pay a land contract and inventory loan from these accounts. I entered Huntington branches 5 separate times between XX/XX/XXXX and XX/XX/XXXX attempting to cancel the transfer. Each time I was assured it was cancelled, but on the transfer date, the money would still come out of the account. On the latest visit, I even made sure to get a letter signed from a bank employee stating the transfers were cancelled. They still occurred. At this point I've lost {$13000.00} to these transfers, and I'm now having difficulty collecting it from the individuals it was sent to. I had to close both accounts at Huntington, because that's the only way I knew I would be able to make sure the transfers didn't continue to happen. Huntington has done nothing to indemnify me for these losses, and has offered no assistance. 

I've highlighted the unauthorized transfers on the attached statements and included the letter from my final visit.
Consumer complaint received 2021-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NY)

This is concerning excessive fees by TD bank. Since XX/XX/XXXX TD Bank charged me XXXX dollars in overdraft fees alone! I complained to them due to the following facts. 

They charged me XXXX dollars on XX/XX/XXXX for three withdrawals that I was forced to do in three separate transactions .... 

They also charged me on XX/XX/XXXX XXXX dollars for a check, a credit payment and a withdrawal. All of which occurred after I already had a positive balance. They claim that it already came through in the system but it just didn't show ... .. 

Thy also charged me other charges such on XX/XX/XXXX XXXX dollars and other individual charges for a total XXXX dollars just in overdraft fees. 

These charges are excessive!
Consumer complaint received 2020-08-03
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: EQUIFAX, INC. (IL)

In XX/XX/2020, XXXX reported me as deceased to credit bureaus. I disputed with XXXX and credit bureaus. Equifax is refusing to remove account status as close due to consumer deceased. I have submitted 3 disputes. Dispute dates XX/XX/2020 resulted in Equifax stating the deceased comments would be removed. Then Equifax sent a letter stating the deceased information was verified and updated. I am not deceased and the account never closed. XXXX said all information has been corrected yet current report for XXXX and Equifax shows this account as closed due to consumer deceased. XXXX has updated and corrected data. Creditors and bureaus are violating my rights under FCRA. No agency is reporting me deceased. The account is active and Ive received a credit limit increase. Ive checked with SSA. I have spent money submitted documentation to these bureaus and creditor.