davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (WA)

my initial mortgage was with XXXX XXXX. tbey sold to XXXX or XXXX. now it seems to be TIAA the problem is the loan modification did not reflect 10+ years of payment. it cites the original loan of XXXX plus 2 years of back pay. 

payments were made. i tried bankruptcy 2 times. each time the lawyers failed. one dod not make payments. the sconond lawyer also failed. made copies of 1st bankruptcy. then the XXXX XXXX court in XXXX garnished 150 % of my wages before anu scheduled court hearing. the payments were again not made and the lawyer failed to tell me of any thing. i was stuck to never know then was harshly accused by staff at court i proceedings i was not part of. 

the loan modification i am trying to do. the words keep changing and the phone number they ( TIAA ) changed purposely. i have court notification of 2 lawsuits against XXXX XXXX bankruptcy court and XXXX lawsuit on XXXX/XXXX. 

the companies representing XXXX are bankrupt and out of business. 
big fiim in XXXX. collections agency also out of business. 

i submitted all my documents. i have been trying to get hud or certified counselors. they failed on the message and argued with me citinv i was wrong. 
i have documengs of each company coted. XXXX XXXX, XXXX/XXXX and tiaa. each different amounts with rears tha are more than my orgonoal mortgage amount it seems.

this is wrong. the threats. the wrong and illegal misjandling from government officials who took oath and this deal with tiaa. 

i also question your counselors. the paperwork needed and the illegal acts of many eho require money that is is XXXX minimum to help. 

i am not a millionaire. i can sell this and have a house that should be worth much more than they say. i only want my life back. to be hurt emofionally and mentally thst took a toll on my pbysocal health is killing my body. an onset of XXXX from overworking last year and the garnishment that went and was hidden to go back to the courts. 

all illegal and i am praying in your care that this gets stopped. banks and illegal government proceedings. i am resilient. 
i will co tinue my paperwork. i am looking into lawyers so they will be held to the highest standard woth cleari g my name in every way. 

my home is mine. i did nothing wrong. i trusted the system broken. now i am being punished for their corrupt ways. please help. 

thank you!
Consumer complaint received 2019-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

I was solicited by HSBC Bank for its credit card from XXXX to XXXX XXXX.  Each time they offer XXXX rewards after spending XXXX  in the first 3 months.  I applied one in XXXX and got a HSBC MasterCard before XXXX XXXX.  I spent more than XXXX on it in the first 3 months.  When I asked HSBC for my rewards in XXXX XXXX, I was told to wait for a few weeks.  Same thing happened when I asked again in May.  Then I told them in XXXX  XXXX that it's more than a few weeks, the HSBC rep told me that I needed to spend XXXX XXXXn order to get the XXXX rewards.  I said their offer only asked for spending XXXX.  The rep insisted it was XXXX and I was disqualified.  HSBC moved the goal pole from their soliciting offer (from XXXX to XXXX).  This is a clear case of bait-and-switch.
Consumer complaint received 2018-04-07
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (AL)

Original letter of dispute sent certified mail to XXXX dated XX/XX/XXXX and signed for on XX/XX/XXXX. Creditor failed to notify all three credit bureaus to place a notice of dispute on my account within 30 days of my dispute. XXXX has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Consumer complaint received 2018-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/XXXX and XX/XX/XXXX I have reached out to TransUnion to remove All Unathorized inquiries. 

They have failed to remove any of them. 

I need help!
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (MI)

I was denied an extension of credit and was provided information that sagestream was the responsible party for the denial. I then proceeded to file a claim against them with the Consumer Financial Protection Bureau. I never gave them consent to contact me, I never gave them consent to use my information, and I never contracted with them. They, also being XXXX XXXX, stated in a letter they sent me just recently, without my consent to do so, that they could not verify my information because the context of what I was asking for was not in their database and that I did not give enough information for them to work with. They then proceeded to ask for all my information. I will not be providing them with anything seeing as how I never contracted with them, yet they sem to have enough information about me to be worthy to deny me an extension of credit. How can they contact me stating they don't have my information? ... .how did they get my address? How can they being a determining factor in an extension of credit if they admit they don't have my information?
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Experian Information Solutions Inc. (AZ)

XX/XX/year> - XXXXemporary hold of {$120.00}. Hold has been removed from merchant. Bank tells me 30 business dates before it will drop off, then tells me its an error between them and the processor and only time is the fix for issue. Called again and was told I agreed to the 30 day hold via terms of service. No where in the terms is it written about 30 day hold on authorizations. No one will let me talk to a supervisor or help me with removing the authorization. Told a supervisor will call but never received the call.
Consumer complaint received 2018-03-09
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. (SC)

Greetings, My wife and I are so pleased that XXXX XXXX is now the Director of the CFPB. XXXX was a great Congressman for us in South Carolina and we know he will work hard to ensure the American People 's business is not compromised by these reporting companies that report so much inaccurate information on consumers. Our Credit Statements are terribly inaccurate! We have been trying to reach the credit reporting agencies to dispute the large number of inquiries that we didn't do with NO success as well as understand the many delinquent accounts on our credit that we know nothing about. All of our credit cards are up to date and our payment histories. This is having a huge barrier on our ability to purchase another home. PLEASE HELP!
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XX/XX/2022 a finance charge of {$52.00} was charged to my account. The payment for the month was supposed to post on the XXXX of XXXX. My bank account was debited on the XXXX of XXXX. On XX/XX/2022 another finance charge of {$39.00} was charged to my account. The payment was due again on the XXXX of XXXX. My bank account was debited on the XXXX of XXXX. The payment posted on the XXXX of XXXX yet again I was charged a finance charge. 

My payments are due on the XXXX of each month and my bank sends the payment in full out on the XXXX of each month. 

I enjoy being able to use my Capital One card and have always payed my credit card in full each month. 

I spoke with two Capital One representatives on XX/XX/2022 with no results. Just advising me who to avoid finance charges. 

Ive been an outstanding customer of Capital One and would like the total finance charges ( {$91.00} ) credited back to my account. 

Thanks in advance, XXXX
Consumer complaint received 2018-04-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (AZ)

since XX/XX/XXXX I have been trying to resolve an account on my credit report from National credit systems. they claim I owe XXXX XXXX XXXX. {$200.00} no clue what this is even for?? I never received any notice from anyone. I asked for explanation.but was never given a reason. just sent another bill. I want proof of how and why XXXX  is owed anything. I moved from there in XX/XX/XXXX but it shows XX/XX/XXXX. called XXXX but was informed to talk to the collection agency. National Credit has verified this account on all three credit bureaus in XX/XX/XXXX and again in XX/XX/XXXX. I sent two letters requesting info and still nothing. I receive tons of phone calls daily with recorded message like a robot saying to call them back personal business matter. I feel this is a scam.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I have filed two disputes in XXXX and XX/XX/year> regarding XXXX  CC inaccurately reporting on my credit report additionally I provided supporting documentation showing XXXX  CC was not included in the bankruptcy. I spoke with XXXX and they closed the account because they received notification my XXXX  XXXX was XXXX but they were never involved. They opted to close the account.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I have been fighting this bankruptcy for a few months because of the inaccuracies inside of the bankruptcy. I logged onto XXXX  to verify that all of the information was correct ; ie. case numbers, closing dates, etc and I noticed that the case number listed on all 3 credit bureaus are incorrect. The case number listed in XXXX  is XXXX ; however what is being on all 3 credit bureaus and probably XXXX XXXX and XXXX is incorrect information. The information being reported on Experian is XXXX, on XXXX  is XXXX, and on XXXX  XXXX. 

On XX/XX/2020, I disputed the inaccurate reporting to XXXX as all 3 bureaus stated they validated this reporting through third party, XXXX XXXX. On XX/XX/2020, after a re-investigation of the data in question, XXXX XXXX removed the bankruptcy from my XXXX XXXX report. I have forwarded a copy of this report to all 3 bureaus and they are still coming back stating item in dispute not changed as a result of our processing of your dispute. The company that reported the information has certified that the information is accurate How? When XXXX XXXX clearly stated in writing they removed it.
Consumer complaint received 2018-04-10
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: FORD MOTOR CREDIT CO. (IA)

Ford Motor Credit, Co. XXXX XXXX XXXX XXXX  NE XXXX  Account : XXXX  Date Opened : XX/XX/XXXX Amount : {$1.00}, XXXX  1. ) This account, opened in XX/XX/XXXX, commits itself to a pattern of fraud that took place within a specific period of time as is evidenced by all subsequent accounts. More specifically, aXX/XX/XXXXthru XX/XX/XXXX timeframe. 2. ) XXXX XXXX  was enrolled in XXXX XXXX  at the XXXX XXXX University of XXXX ( located within the XXXX XXXX ) fromXX/XX/XXXX toXX/XX/XXXX. We have provided a signed statement from that institution ( Figure A ) which confirms this. 3 ) XXXX XXXX has, at no time in his life, held a drivers license from the State of Virginia. We have provided an attached Identity Theft Criminal Report ( Figure B, Analysis ) by the XXXX County Police ( Iowa ) in which their investigation, and subsequent contact with the XXXX  County ( Virginia ) Police and the Virginia Department of Motor Vehicles confirms this. Further, the only drivers license ever valid for XXXX XXXX  has been issued and maintained in Iowa since it was issued in XX/XX/XXXX. Further, the Virginia Department of Motor Vehicles confirms that no vehicle has ever been registered using the Social Security Number of my client. 4 ) The address provided to and reported by the Ford Motor Credit Company is one that XXXX XXXX  has never lived at. We have provided signed documentation from the management company which proves this fact. ( Figure C ). 6 ) The Ford Motor Credit company failed to respond in any measure to the Cease and Desist notice registered with the XXXX  Court of XXXX  County Iowa in XX/XX/XXXX, which demanded that the aforementioned company immediately cease identifying this account with our client. That document detailed the failure of the Ford Motor Credit Company to comply with : Part 681.2 of Title 16 of the Code of Federal Regulations, also known as the Red Flag Rule.

The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 The Fair Debt Collection Practices Act, 15 U.S.C.1692
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

Chase Travel booked and charged me for a flight that did not exist ( XXXX XXXX XXXX Thursday, XX/XX/2023 flight ) from XXXX XXXX, California to XXXX ( XX/XX/XXXX - cancellation date ). I cancelled the flight ( XX/XX/XXXX ) and still have not received a refund. It has been 3 weeks and I have called over 3 times to Chase and yet still no refund. I need to be refunded {$860.00} and XXXX points.
Consumer complaint received 2018-04-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: PNC Bank N.A. (NJ)

Organizations that want to do business with the U.S. federal government, and their state and local agents, such as XXXX XXXX Community Development, must have a System for Award Management ( SAM ) number to apply for federal grants and/or contracts. Although acquiring a SAM number is free, the application process can be cumbersome. In addition to a taxpayer identification name and number, XXXX XXXX XXXX number, and IRS review, organizations must have a bank account and routing number. 

Last XX/XX/XXXX, I was completing a SAM application for XXXX XXXX, the community development arm of Metropolitan XXXX XXXX XXXX XXXX XXXX XXXX, when I decided to search low-cost offers for small business banking. When I checked online, PNC, which has a branch less than a mile away, popped up. 

Great news, I thought. The ad read : Earn up to {$300.00} [ 1 ]  when you open a qualifying PNC business checking account by XX/XX/18. Then I read the smaller print. Is your business located in zip code XXXX? If not, tell us the zip code where your business is located and well connect you with the offer available in your area : In the box below, I entered the XXXX and pressed Go to Offer. What message did I receive? Your business is located outside of PNCs servicing area. There are no offers available. '' An invitation for businesses in XXXX generated the same response when XXXX was identified as the location.The explanation in footnote [ 1 ] : Offer only available in select PNC Bank branch locations and only to businesses with an annual revenue less than {$5.00} million. 

" Outside the banks service area. '' What does that mean? What small businesses meet PNC 's criteria better than those in XXXX and XXXX? Both zip codes are in the heart of XXXX XXXX, and are populated with small businesses. Incidently, they are among the most racially and ethnically diverse areas in the city. 

Do households in XXXX and XXXX have sufficient incomes for PNC to accept deposits, but not sufficient not enough to do business with them? Not enough to ease the way for them to apply for federal grants and contracts? If PNC were the only bank in town, where would small businesses in those zip codes get bank accounts? 

Offended, I decided not to seek answers to those questions, but to do business elsewhere. Thank goodness for good and honest and community banking. Where PNC drew a red line, XXXX Bank rolled out the red carpet.
Consumer complaint received 2021-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A. (FL)

Hello, My BBVA Bank credit card ( ending XXXX ) had many fraudulent charges starting on XX/XX/2021. This was due to a massive breach affecting other XXXX accounts. 

I made numerous efforts to have XXXX acknowledge the breach, which they never did. I got some minor resolution and paid off the balance just to move on. I'm a XXXX XXXX, aged XXXX and didn't have the energy to keep fighting them. 

I requested to have the account closed and was assured it will be done, well prior to completion of acquisition of BBVA by PNC. 

This morning I started getting alerts from credit monitoring services that PNC has reported my credit card account as 30 days late and it has severely damaged my previously stellar XXXX credit record. 

I'm very upset at this terrible behavior first by BBVA and now PNC.
Consumer complaint received 2018-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

The creditor XXXX XXXX XXXX XXXX XXXX is still showing OPEN on my EQUIFAX account, even though it was discharged in XXXX Bankruptcy. Equifax shows it as discharged in XXXX, but still OPEN, which is impossible. 

I have included XXXX credit report trade line showing correctly reported as CLOSED, as well as EQUIFAX report trade line shoing still OPEN. 

I have disputed this more than once through EQUIFAX and the creditor, to no avail. My next step is to appeal to the UNITED STATES BANKRUPTCY COURT.
Consumer complaint received 2019-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I ordered a secured credit card through Capital one. I never recieved it so I called and told them I never recieved my card. They asked for my information, including address which they said was correct. They cancelled that card and sent a new one. Again, it never came. After my third attempt ( a month later ) and them verifying my address, I found out they've been sending it to the wrong address. I cancelled my business with them and asked for a refund. They said I'll be receiving X amount of dollars in 7-10 days. I waited 12 days and it never came. They cancelled the check and issued a new one. I waited 15 days for the second check before I called. I called twice yesterday and they hung up on me twice. I feel like I've been dealing with a fake company and now I'm worried about all my information falling into the wrong hands and my credit.
Consumer complaint received 2018-04-07
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. (TN)

I have disputed all of these unauthorized inquiries with all three credit bureaus. 

XXXX XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Oil And National Credit Cards XXXX XXXX XXXX   XX/XX/XXXX Finance
Consumer complaint received 2018-10-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (IL)

This organization ( XXXX XXXX ) has been bombarding my home phone ( XXXX ) almost hourly with calls in an effort to collect a debt to which I have no affiliation. I called back to attempt to resolve the problem, but they do not have any record on file for the number they are calling to which normally would be attached to an account. 

Calls are coming from various sources including but not limited to the following phone numbers ; XXXX XXXX XXXX XXXX These numbers have been reported as a spam risk by reverse phone look-up ( XXXX ) citing many other people with similar complaints.
Consumer complaint received 2021-12-22
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. (VA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.