davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CO)

Mortgage company=seterus inc XXXX XXXX XXXX XXXX, CT XXXX Loan # XXXX Try to refinance in 2017 and was denied I was struggling with payments and it was an FHA loan and they did not want to hear me and I was not able to get anything resolved through seterus inc
Consumer complaint received 2022-05-19
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. (MA)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC1681 Section602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reportingagency annot furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-07-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WLCC (FL)

I requested multiple loans and I was expecting to sign an agreement before receiving a disbursement. Only one loan fit my expectations, with XXXX XXXX. All other loans offered funding at a later date that didn't work for me. I was surprised when I see {$1000.00} in my account. The money I requested was intended for moving. I moved on XX/XX/XXXX but they show I signed the agreement, electronically on the XXXX. I did not touch my computer on the XXXX as it was the day after I moved my furniture and I spent the day organizing. It wasn't until recently that I look at this agreement. This company is not only withdrawing funds from my account, they are charging me 785.68 % interest rate. I can't place a stop payment because they use random check numbers. These company 's practice is fraudulent and dishonest.
Consumer complaint received 2021-11-12
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. (CA)

XXXX XXXX  # XXXX should not be reporting any late payments from XX/XX/XXXX through XX/XX/XXXX. Experian has failed to update this information on our credit files. This needs to be removed immediately!
Consumer complaint received 2020-12-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (MA)

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CITIBANK N.A. 
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Consumer complaint received 2021-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (CA)

IN XXXX OF XXXX SOMEONE FRAUDULENTLY OPENED A DISCOVER CREDIT CARD USING MY PERSONAL INFORMATION. THE CHARGES MADE ON THAT CARD ALONG WITH THE PAYMENTS MADE WERE NOT DONE BY ME, THEY WERE NEVER AUTHORIZED BY ME. AS SOON AS I FOUND OUT ABOUT ABOUT THIS I DIRECTLY CONTACTED DISCOVER AND ASKED THEM TO CLOSE THE CARD, AT THAT TIME THE CARD WAS AT XXXX BALANCE AND DISCOVER CLOSED THE CARD AND REMOVED IT FROM MY CREDIT REPORT. BUT LITTLE DID I KNOW THE PERSON HAD ORDERED A DUPLICATE CARD WHICH HAD A DIFFERENT ACCOUNT NUMBER BUT IT ALL FALLS UNDER THE SAME ACCOUNT WHICH IS REMOVED FROM MY CREDIT PROFILE. AS OF XX/XX/XXXX DISCOVER IS REPORTING THE CARD ON MY CREDIT REPORT AGAIN, AT THIS POINT I HAVE SENT THEM MY IDENTITY THEFT REPORT, MY POLICE REPORT AND PROOF OF MY ACTUAL ADDRESS WHERE I LIVE AND WHERE I RECEIVE ALL MY MAIL. SO I SENT THEM VERY PERSONAL AND CONFIDENTIAL ITEM TO THEM MY RETIREMENT/PENSION DOCUMENTS. NOW THEY ARE SAYING THE PROCESS IS GOING TO TAKE ANOTHER 30 DAYS FOR THEM TO REVEIW AND INVESTIGATE. I HAVE BEEN TALKING TO MAYBE 10 DIFFERENT PEOPLE AT DISCOVER AND I KEEP TELLING THEM HOW ARE YOU INVESTIGATING WHEN NO ONE IS CALING ME CONTACTING ME AT XXXX NUMBER I AM GIVING THEM TO VARIFY ANY INFORMATION. THEY ARE JUST TAKING THE WORD OF THE THEIF AND THEY ARE RUING MY LIFE.THIS FRAUDULENT CARD HAS LOWERED XXXX  XXXX SCORE TO XXXX AND ITS EFFECTING MY LIVELY HOOD. APPARENTLY THIS THEIF HAS A PHONE UNDER MY NAME AND AN EMAIL, AN ACCOUNT AND AT THIS POINT I DON'T KNOW WHAT ELSE IS THIS PERSON GOING TO DO. I NEED TO GET RID OF THIS FRAUDULENT DISCOVER CREDIT CARD FROM MY CREDIT PROFILE. I LIVE A VERY SIMPLE LIFE AND I PERSONALLY DON'T HAVE ANY CREDIT CARDS UNDER MY NAME, I ONLY HAVE ONE XXXX CARD AND ITS AT XXXX BALANCE SINCE I DON'T WANT TO HAVE ANY DEBT. I EVEN WENT TOT HE POLICE AND ASKED THEM TO COME WITH ME SO WE CAN GO AND KNOCK ON THIS PERSONS DOOR, BUT THEY DON ; T DO THAT. I AM AFRAID TO GO ALONE, BUT DISCOVER IS LIVING ME NO CHOICE, I JUST DON'T KNOW WHAT THE OUTCOME WILL BE, I NWANT THIS TO RESOLVED SOON SO I CAN GO BACK TO MY NORMAL LIFE.
Consumer complaint received 2022-12-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I noticed a credit card account from Bank of America on my credit report with an address that I do not now nor have ever lived at. I filed a complaint with XXXX report number XXXX on XX/XX/2022. Bank of Americas response was that they were reporting accurate information, which is absurd since the address on the account is in Massachusetts and I live in Ohio. I filed another complaint through XXXX report XXXX XXXX on XX/XX/2022 and received the same result. On XX/XX/2022, I called Bank of America directly and after being on hold for an inordinate amount of time, spoke to a representative who had no clue how to resolve this and ultimately cut me off the phone line. I did not open this account and I have never lived in Massachusetts and there is no reason that this account remains on my credit report other than the incompetence of Bank of America. I would appreciate any assistance you can give me
Consumer complaint received 2021-11-12
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Management Recovery Corp. (NMRC) (AL)

I owe XXXX {$3000.00}. I encountered financial roadblocks due to COVID 19 pandemic. On XX/XX/XXXX, my father was diagnosed with XXXX XXXX. He was out of work until XX/XX/XXXX. During this time, I helped to support my parents financially. I also got behind on payment during this time due to the support of my family. I had contact XXXX to inform them that I would set up a payment plan. On XX/XX/XXXX, I received a call from XXXX ( XXXX, EXT XXXX ) informed that they were going to pick me up, contact my place of employement, take me to court, etc. 

I informed XXXX that I would set up a payment plan due to not having the funds. When the payment tried to run, my bank declined the payment due to fraud alert. This was on XXXX XXXX, so the bank was closed. I informed them that I would contact my bank on XX/XX/XXXX to speak with them about the block. During the day on XX/XX/XXXX, I was very busy and was unable to take their call. I received another call stating my information was being pushed to XXXX XXXX XXXX.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: General Motors Financial Company, Inc. (FL)

This is XXXX of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. GM FINANCIAL XXXX.
Consumer complaint received 2017-09-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bull City Financial Solutions, Inc (NC)

THIS IS NOT A DEBT THAT I OWE NOR DO I HAVE ANY KNOWLEDGE OF THE DEBT. THEY CONTINUOUSLY CALL AND HANG UP AND WHEN SOMEONE ACTUALLY DOES SPEAK I AM CUSSED AT AND THREATENED TO BE ARRESTED FOR A BACK DEBT THAT HAS NOT BEEN PAID!
Consumer complaint received 2021-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

On XX/XX/2021 I was informed that my account would be closing and all debit cards was blocked and I couldn't retrieve my online banking account. I was told by numerous representatives from the Fraud department to go into a Citibank branch to withdraw my funds. They all knew that I lived in XXXX XXXX XXXX not XXXX XXXX  XXXX, 6.5 hours away 9 hours by XXXX bus which I took from XXXX NY to XXXX XXXX XXXX on XX/XX/2021, paying {$150.00} round trip to the Citibank branch at XXXX XXXX XXXX XXXX, NY. This has been going on for almost a month now. I went to the Branch and Citibank would not release my government funds. Citibank is holding my New York State Unemployment checks deposited into my account during this Pandemic. I was sent across State on lies being told by many representatives. The bank manager at the XXXX location in XXXX XXXX, NY also spoke with the Fraud department letting them know that they are misleading customers and holding on to Government funds belonging to a customer. She asked that they refund me as soon as possible. I followed up on Friday XX/XX/2021 and I am still getting the run around after almost a month. I am sickly and traveling when I shouldn't be to retrieve my funds back from Citibank. I had to borrow funds to get to XXXX XXXX XXXXXXXX to the branch and I had to borrow money to feed my children for 2 weeks. Too much pain and suffering. I also borrowed the money to get to the branch just to find out that Citibank lied to me on several occasions. I traveled to XXXX XXXX  XXXX with 3 XXXX XXXX in my XXXX, weak from very low XXXX XXXX, but I had to do what I had to do but was done on lies coming from Citibank representatives.
Consumer complaint received 2019-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

It is XX/XX/31. I am traveling abroad ( notified my bank prior ) and I tried to access my account online, with no success. I then tried calling the international number ( though I have to pay for the call from my phone in any case ) - one hour wait time. I then tried calling the regular customer service number - one half hour wait time. I tried to do chat - but they require login first ( which I can not do ). I looked for email - this also required login first. 
This is too difficult from abroad. I am not able to access my account!
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion consumer credit reporting agency- does not include my FICA score when an authorized vendor requests a copy of consumer credit report. this has resulted in several credit denials. 
After several calls to Transunion, I was informed that I do not have any open accounts, Although, I could request through a third party for my utilities bills or rent payments to be included in my consumer 's credit report. 
Why would anyone of intelligence, give a " third party '' access to their consumer 's credit report??? what's going on with these consumer reporting agencies? that's the very reason they exist, to manage the consumer credit reporting, now they want to farm this out to a third party, with all the fraud in the world today, this is absolutely insane. 
I worked hard to keep my credit in good standing, paid my bills on time, NO! i don't have any open revolving credit cards and I paid my car note off in XXXX. 
Although, I shouldn't be treated like a credit risk because Transunion and XXXX don't want to put forth any effort to calculate my FICA score, UNLESS I PAY AN ADDITIONAL {$24.00} per month, THIS IS CRAZY
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (PA)

I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, consumer, natural person, original creditor of an open-ended credit plan was violated by SANTANDER CONSUMER USA by furnishing negative information on my consumer report in the form of a late payment, defaming my character, leaving me vulnerable to denials of credit, higher interest rates, and other adverse actions of the like. I am disturbed and stressed that this reporting is being shown to others.
Consumer complaint received 2021-11-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Innovate Managed Holdings, LLC (NJ)

XX/XX/XXXX there was a natural disaster on XX/XX/XXXX I called the lender stating the car was a total loss my insurance provider was stating it was inundated in I told the lender the car was going to be payed off by insurance they continued charging and collecting effecting My overall original payout XXXX to XXXX and 3 months of late reporting one person stated they didn't have notes but I spoke to someone XX/XX/XXXX at XXXXXXXX XXXX who stated all the notes where in the system this has caused irreparable damage to my credit report
Consumer complaint received 2022-05-19
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, account # XXXX, XXXX XXXX, account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, and XXXX XXXX, account # XXXX have all 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 an account without my written instructions.
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (MO)

I was a victim of XXXX XXXX and left my marriage via police escort. Prior to me being escorted out of the house with police officers, my ex-husband stole my wallet as a way to retaliate against me leaving him. I immediately called the credit card ( Discover and XXXX ) companies on XX/XX/year> to make them aware of the situation and to freeze my accounts. My ex-husband then proceeded to hack into my accounts and unfreeze my credit cards and spend XXXX of dollars using my credit cards which I did not authorize. I filed multiple police reports regarding the fraudulent charges, yet am still being harassed by debt collectors despite in the divorce it was ruled that I would not be held responsible for the debts that my ex-husband charged on my accounts.
Consumer complaint received 2021-11-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (DC)

I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. I, XXXX XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by ALLY FINANCIAL INC. d/b/a ALLY Bank. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act, by ALLY FINANCIAL INC. d/b/a ALLY Bank on XX/XX/2021 via mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by ALLY FINANCIAL INC. d/b/a ALLY Bank adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( li ) are up to { {$5000.00} }. ALLY FINANCIAL INC. d/b/a ALLY Bank is now civilly liable to pay me for the damages.

REMEDY Pay me {$5000.00} for damages.
Consumer complaint received 2021-11-12
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Commercial Acceptance Company (NY)

I am unaware of the debt or the company that they represent. However it did not stop them from contacting relatives and acquaintances about this alleged debt. They called and left messages as well. The woman 's name was XXXX XXXX.
Consumer complaint received 2022-04-11
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. (SC)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-12-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/XXXX of 2022 a fraudulent charge appeared on my Wells Fargo checking account. On the same day XX/XX/22 I reported the fraud to Wells Fargo and asked that they close the account ( attempt XXXX ) they informed me the pending fraud MUST be addressed prior to the account being closed, which would take XXXX days. I waited the XXXX days, when Wells Fargo notified me that the fraud was not posted, so they finished their investigation. At this time I called the bank to close the account ( attempt XXXX ) and I was told there was a pending charge, and they referenced the prior fraud charge, which I told them had been addressed. I got XXXX different responses ; XXXX ) The is the SAME fraud as before, and it should not have been closed. XXXX ) It was fraud again on the same account, same amount, XXXX days later. I don't know what statement is true, but I was unable to close the account again. I waited for the fraud to be investigated again, and then on XX/XX/22 I made an appointment with XXXX XXXX at Wells Fargo to close the account ( attempt XXXX ). I let him know about the fraud and the issue, and he assured me he would be able to provide me the available balance of my account, and close the account same day. He told me the account would be closed, XXXX days later I received an overdraft notice, and understand the account was NOT closed out, and now additional fraud charges and fees are adding up on the account. Wells Fargo has not address the issue at all, and this is becoming unnecessarily difficult to close an account.
Consumer complaint received 2019-11-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: First Data Corporation (IL)

First Data was charging me a fee to process Credit Card Payments fort my Music Store. In XX/XX/2019, I decided to cancel their service and no longer use them. 

The account, I was told was closed. However, after receiving my monthly bank statements, I noticed right away that I was still be charged for their service. 

I called a second time to resolve the matter and the customer service refused to stop the charges because I did not know to the exact penny what last Monthly charge was. 

It is now XX/XX/2019 and I am uncertain as to wether or not First Data will continue to charge the monthly service fee. I was urged to seek out the assistance from the CFPB.