davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-13
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. (KY)

XXXX continues to report to all 3 credit bureaus an account that should have been removed due to identity theft issues. Im a XXXX senior and I was notified by an XXXX representative the account plan and phone device would be removed due to the discrepancy on the agreement and the account would be closed however that agreement was broken the representative didnt honor us word and failed to document the call. And the account was sent to collection and I have been disputing this account from my credit report for a few years due to this breach of agreement. The account should never been reported on my credit report. Instead the information was supposed to have been suppressed from my credit profile. The XXXX employee never notated they information and therefore Im having to dispute this with the credit bureaus and now the CFPB. XXXX
Consumer complaint received 2019-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC (TX)

On XX/XX/XXXX, I received a consumer copy of my credit report and found multiple erroneous entries, including a collection account owned by Mariner Finance ( account number XXXX ). On the XX/XX/XXXX report, the DLA for the account reported as XX/XX/XXXX. Over the next 10 months, I successfully disputed and was able to have removed all false tradelines in question, except for Mariner. On XX/XX/XXXX, I received an annual copy of my credit reports from XXXX, XXXX, and XXXX. The tradeline was still reporting with a DLA of XX/XX/XXXX. On XX/XX/XXXX, I received an updated copy of my 3 credit reports as a result of disputing one of the other false accounts and Mariner tradeline continued reporting with the same DLA. On XX/XX/XXXX, I sent Mariner a written request by certified mail to verify the debt belonged to me, notifying them that I believed the debt not to be mine. I requested validation of the debt including : 1 ) An explanation of what this alleged account balance was for. 
2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount was correct. 
3 ) Documentation that shows I agreed to pay this debt. 
4 ) The Agreement that granted Mariner the authority to collect on this alleged debt. 
5 ) A copy of Mariner 's state license, including license number. 
Mariner did not respond to my request. On XX/XX/XXXX, I received a consumer copy of my credit reports from all 3 bureaus and the tradeline continued, DLA was still being reported as XX/XX/XXXX ; however, a new hard inquiry from Mariner on XX/XX/XXXX appeared on my credit report. I did not authorize this inquiry and have not applied with Mariner for a line of credit. Most recently, on XX/XX/XXXX, I was notified by my credit monitoring service that Mariner had updated their tradeline 's DLA to XX/XX/XXXX! I received no correspondence from Mariner, despite my request and attempt to confirm this debt as valid in XXXX! And in XXXX, the DLA was suddenly moved FORWARD XXXX XXXX years!! Unless resolved, this will result in this debt being falsely reported on my credit for a total of 13 years! Between XXXX, I made no payments on this debt, have not acknowledged this debt as mine, did not attempt to make payment arrangements with the creditor, and have had no communication that would have reset the date of last activity. I believe Mariner has illegally re-aged this debt to prevent it from falling off of my report in 6 months. 
I submitted a dispute to all three credit bureaus listed above, on XX/XX/XXXX and was notified on XX/XX/XXXX that Mariner had " reported the debt as verified ''. Mariner has been unwilling to provide documentation proving that they could have accurately verified this debt, at my previous request. Mariner has persisted with reporting inaccurate information to the credit bureaus which I believe to be a violation of my rights.
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ACIMA CREDIT, LLC (TX)

On XX/XX/2020 I purchased 15 twin mattress for a XXXX XXXX the total cost was {$3300.00}. The sales clerk offered a 90 day same as cash with NO CREDIT check option. I have excellent credit and try to keep my inquiries at a minimum. I took the option knowing I would have this paid off within the 90 days to avoid any interest. The time for me to pay {$2000.00} back is anywhere from XX/XX/XXXX - XX/XX/2020. I check my CB almost daily due to the industry I work in requires I keep good sound credit so I keep tabs on it. I noticed on XX/XX/XXXX Acima Credit reported to the bureau I opened credit with them for {$4500.00} on XX/XX/2020. This is not factual I opened credit/lease on XX/XX/XXXX and the amount granted was {$2400.00} of which only {$2000.00} was utilized. How can they say I owe {$4500.00} when I only used {$2000.00}? I asked how can you report interest before its earned? The company says it's not interest but a daily lease fee on a 12 month lease. I asked again how can you report a fee in advance of it being earned? He said again it was not a fee not interest but a daily charge. This makes no sense and sounds predatory. For individuals with bad credit and not credit conscious they can get away with these practices, however I'm astute enough to know this is wrong. If you grant {$2400.00} then the line item should reflect {$2400.00} with a balance of {$2000.00} which I've made a payment so the amount owed is {$1600.00}. How is the balance and credit {$4500.00} regardless of payments made? The rep told me they are not a credit card but a lease ... so they do it differently. I'm old enough to know 2+2=4 and 3+1=4 it all has to make sense and this doesn't. Acima Credit should be investigated for predatory behavior and reporting erroneous information.
Consumer complaint received 2021-04-17
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. (DC)

On XX/XX/2021, I placed a {$660.00} order on XXXX using my Citi credit card. The website stated that my order would ship out by the end of XXXX, and the return policy stated that customers could cancel and get an 100 % refund if their order was still not shipped 2 weeks after the estimated shipping date. 

On XX/XX/2021, I emailed the XXXX requesting a refund ( in accordance with their Return Policy terms ), but they did not respond ( which is a known tactic they employ according to the customer feedback on their XXXX page ). 

On XX/XX/2021, I opened a dispute with Citi related to the charge, and they issued a provisional credit to my account in the full amount. 

On XX/XX/2021, I received a letter from Citi stating they have " closed our investigation and reversed our credit '', and referenced the merchant 's response ( a " Chargeback Evidence '' PDF from Stripe that entirely lacks any information about the Refund Policy or shipment Tracking Number ). 

The letter also stated I could continue the dispute by providing " Proof of the terms and conditions you agreed to and documentation to prove you cancelled in accordance with those terms and conditions. An example of this proof is a cancellation confirmation email from the merchant. '' This information was to be emailed to XXXX by XX/XX/2021. 

On XX/XX/2021, I forwarded the order confirmation email & my refund cancellation request email, along with copies of the vendor 's Refund Policy, and the signed copy of the XX/XX/XXXX letter to XXXX. 

On XX/XX/2021, I received another letter from Citi stating that they are " unable to resolve this dispute in your favor since we have not received the proof of the terms and conditions you agreed to and documentation to prove you cancelled in accordance with those terms and conditions. '' I provided all of this information in my XX/XX/2021 email.
Consumer complaint received 2020-02-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OH)

The loan was paid in full on or about XX/XX/19. There is a balance of escrow in the amount of XXXX due back. To this date the loan company HAS NOT refunded this amount, even after numerous phone calls to customer service/escrow dept.
Consumer complaint received 2020-02-21
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Flagstar Bank, N.A. (FL)

On XX/XX/XXXX I took a home equity loan for US {$55000.00} from XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX. 
After signing I received a letter from FLAGSTAR BANK, located in XXXX Michigan, ( now in XXXX arizona ) about the wind insurance on the house that I took the loan. I responded that I did not have wind insurance, that I never had it, I never will, I also told them that as far as I knew I did not asked Flagstar for any money, that my deal was with XXXX XXXX XXXX XXXX, and XXXX never asked me to have wind insurance, but yes they asked me to have flood insurance which I got. I also told them to talk to XXXX XXXX, and fixed with them, this happened in XX/XX/XXXX. I talked many times with them, and then they left me alone. In XX/XX/XXXX they started again with the same thing, but at this time having talk to them and sending them a letter, ( which was returned and I have it, because their address was not XXXX michigan ), and faxing to them in 2 occasions to two different persons all that I knew about the loan and the insurance, also asking them for my original copy of the compliance notice ( which they do not have, because I never signed it ), as the one I have for the flood insurance, They did not do anything to fix this the right way. Also they kept on sending me different letters, but never answering what I asked them for, but yet telling me that they have put wind insurance in my house. I called different days and on XXXX XX/XX/XXXX I talked to a lady named XXXX, spanish, and an office worker I think XXXX, and after one hour and 45 minutes, on the phone I asked XXXX what was going to happen, and she told me do not worry they were going to credit my account with all the escrow that they took from my payments and not to worry about the insurance. So I waited 2 weeks and I called talked to XXXX and she told me they were working on it. after a few days I called again and talked to XXXX, and this time she told me stray that they were I asking for me to pay the wind insurance since I have the loan or since they bought it. About XX/XX/XXXX I went to legal aid and just yesterday XX/XX/XXXX they called me and they told me that XXXX XXXX XXXX XXXX, sold the loan the same day I signed, and they did not tell me ( if they would of ask me for wind insurance I would not get the loan is like XXXX a month more that I could not afford ). I have all the documents and my statements and in none of them show a change on my escrow, only on XX/XX/XXXX starts to show. I asked them for a payoff figure, and I see there that supposedly I owed them XXXX, which XXXX is mortgage and the rest is escrow, so they took money from my regular payment and allocated to the escrow. Yesterday XX/XX/XXXX they started to call my number for collection, of a debt, I do not think I owe them anything. I am XXXX, and on fix income, I fill that they shoving this insurance down my throat..
Consumer complaint received 2019-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Called capital one on XXXX XXXX XXXX XXXXcustomer services rep XXXX refuse to transfer me doing my last contact with capital one on XXXX XXXX Capital one keeps freezing my card asking me to verify my identity. I have repeatedly done this starting in 2018. The harrassment of the company is out of hand I keep proving identity AND THERE SYSTEM WILL RELEASE THEN FREEZE MY ACCT again the keep stating the patriot act but my identity has been proven over and over this is turning into harrassment. I have had capital one card more then 3 years.
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Premium Credit Bureau (CA)

On XX/XX/2019 my credit was run to determine my ability to purchase a new home. On my credit report is an old Mortgage that was foreclosed. However, this is an old account and should no longer show as being open. I need this taken off my credit report as being an open account.
Consumer complaint received 2021-12-02
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. (NJ)

I had an auto loan with XXXX Bank. I closed the loan in XXXX of XXXX. 

As of XX/XX/2021, they updated my credit reports with late payments. 

I do not know why this account would be updating my report after they are closed. 

This hurt my report and I am looking to buy a home.
Consumer complaint received 2021-02-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (MD)

i had a car loan with santander consumer usa. santander had a lawsuit filed againist them for violating consumers rights with high rates knowing consumer like myself couldnt afford. the company was in ligation and i would like this account removed because i fall in the guidelines of the lawsuit.
Consumer complaint received 2021-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Due to the pandemic I was laid from my job. I contacted Capital One to let them know and they offered me no assistance due to the CARES ACT. I tried to make my payments with the little money that I had and my account was hacked and my money was taken from my account. I contacted Capital One and told them that my money was stolen from my account and the payment couldn't be made. Once I received the money back from my back I made an immediate payment to restore my good credit. Good credit is very important as you can see I was never late before the pandemic happened. I have been on the phone with Capital One constantly to reclaim my perfect payment history but no one seems to help. This is frustrating as this is not the fault of mine but due to the entire country shutting down without any warning. I am a very good consumer and I would love to be seen as that not as a late paying consumer.
Consumer complaint received 2021-02-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

I applied for modification in XX/XX/XXXX. Bankruptcy court did approve it. PHH still doesn't acknowledge it, and is reporting me late to Credit Bureau and trying to foreclose. I have emailed them multiple times, and most recently sent them info on XX/XX/XXXX. I am so frustrated. Can you help me?
Consumer complaint received 2021-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have tried to increase my credit limit several times with XXXX XXXX. They have given me several reasons:1 ) my balance on the card is too high 2 ) my credit score wasnt high enough and now they said I dont use the card enough. I worked hard to lower the balance and increase my credit score and now they say I dont have enough activity on this card when I just used it twice this month. The company constantly sends me approvals for other cards and asks for me to open a new card when I go inside the bank, but when I ask for a credit increase I get denied. The purchases I make are expensive and the reason I dont use this card often is because the cards balance is too low for the cost of the items I purchase and they take too long to make my funds available after I make a purchase. On XX/XX/XXXX, I made two purchases that totaled over {$2100.00}. My limit is {$3000.00}. I paid the balance in full on XX/XX/XXXX, but I was only given the available balance of {$800.00} until yesterday XX/XX/XXXX. The next item I needed to purchase was a bedroom set for {$1200.00} but I couldnt because I didnt have enough money available on my credit card. My roommate, a white male who have a lower credit score than me, makes less then me, and have more debt was able to make large payments from a separate bank, the same as my own, and have his funds made available right away. He applied for a credit card increase with a XXXX credit score, lower pay, and an almost masked out card from XXXX XXXX and was approved immediately. Im an XXXX American woman who makes six figures, with XXXX credit score, who has never missed a payment and have done everything I was asked to increase my my credit limit and they came up with a another reason to decline me that doesnt makes sense other then they dont treat XXXX people fairly.
Consumer complaint received 2021-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (MO)

I have disputed this item with the credit reporting agency and they reported confirmed the account as valid. In a good faith effort to resolve the matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of the authority in this matter. They have failed to comply with investigations.
Consumer complaint received 2021-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am not the person to always check their credit but I just check my credit through experian 's website and i noticed a handful of fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, XXXX  and transunion, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license.
Consumer complaint received 2019-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2018 a guy called XXXX XXXX who was working for me helping in a construction job, stole from my checking book that I kept in may car a BLANK check ( # XXXX ), and he filled with his letter and signed, coping my letter and sign from a check that a gave to him as a payment for his job. He cached a check in a bank call ( XXXX ) and my bank ( Bank of America ) pay the money from my checking account ( XXXX dollars ). When that happened I went to the bank and put a claim and I reported to the police. the first claim was denied and I do 2 more claims to the bank and they denied again, in the first claims they said that I gave the check, and in the last one they realized that it is a fraud but they said that somebody has access to the account. now the bank closet the case and dont refund my money that is the bank responsibility.
Consumer complaint received 2022-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

in accordance with Fair Credit Reporting act XXXX, XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (AZ)

Good afternoon. I was currently XXXX XXXX, XXXX XXXX XXXX to XXXX, during this time I was told to open an account with Citi bank, under government travel, this account would be my government travel card, that the department of the XXXX is responsible for paying. This was a card used to book travel through the military, pay for meals, all while on government orders. The government was in charge of paying off this card. I contacted citi bank to try and resolve this issue, they stated that they issued me a 1099, and I do not owe anything on the account. They then stated that they can not take this off my credit report even though it is paid for and close. I was not responsible for paying this balance, the XXXX is responsible, now it is on my credit report as a charge off even though the account with citi bank is closed. Can someone please help me remove this account from my credit report as a charge off. Thank you.
Consumer complaint received 2020-02-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

I pay my mortgage every month on the telephone. Over the course of about 1 1/2 years I missed two mortgage payments due to two separate motor vehicle related emergencies. XX/XX/2019 I called to make my monthly mortgage payment and the mortgage company refused to take my payment and told me I had no choice but to file a modification application. I had been receiving several of these packets in the mail, but the company kept accepting my payment and I had no real need to apply for a modification. Although I'm on Soc. Sec. Disability I still a very much able to make my payments since my mortgage is only about {$700.00} a month and my household bills are minimal, and not to mention my mortgage was projected to go down to {$600.00} a month this year. So I filed my modification and even offered a months mortgage as a down payment, but my application was denied they said, because it hasn't been quite four years since my last modification and according to the last modification, I can't file another one for four years. Now, I'm on disability, I've been in my home for 21 years, I have two large dogs and I will not, can not and am not able to move. I feel I was pressured into filling out this paperwork and then denied in an attempt for the mortgage company to take my home. The missed payments were not back to back. Other than this I've always made my payments. I was also told that foreclosure doesn't begin until 4 payments are missed. Now, I'm 6 payments behind because of me filing the modification and the wait period. What can I do.