davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

During the XXXX Pandemic period, I was offered a XXXX Forbearance plan by XXXX. The started XX/XX/XXXX to XX/XX/XXXX. No payments but I had the option at the end of the period to repay the arrears in full in XX/XX/XXXX or Modification plan and arrears will be added to the balance. I accepted the Modification plan in XXXX and made some payments towards the arrears. They stated that no delinquency or late payments would be reported to the XXXX credit bureaus. The put me on a trial period plan where I make XXXX straight payments then I will have a regular payment plan. I have done everything that was asked of me, and it can be verified. This morning, XX/XX/XXXX, I received alerts from the XXXX credit bureaus that I had XXXX days late and it dropped my credit scores XXXX points!!!!
Consumer complaint received 2019-05-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

Hello, I reached out to portfolio recovery associates, disputed this with the credit bureaus multiple times online and via mail, the credit bureaus continues to put remake stating I disagree if it meets FCRA guidelines but the creditor and credit bureau has failed to provide me with original signed documentations providing proof that this is my debt, all that Ive received is a list of transactions with my name on it.
Consumer complaint received 2022-07-09
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. (MD)

During the XXXX Pandemic period, I was offered a Covid Forbearance plan by XXXX. The started XX/XX/XXXX to XX/XX/XXXX. No payments but I had the option at the end of the period to repay the arrears in full in XX/XX/XXXX or Modification plan and arrears will be added to the balance. I accepted the Modification plan in XXXX and made some payments towards the arrears. They stated that no delinquency or late payments would be reported to the XXXX credit bureaus. The put me on a trial period plan where I make XXXX straight payments then I will have a regular payment plan. I have done everything that was asked of me, and it can be verified. This morning, XX/XX/XXXX, I received alerts from the XXXX credit bureaus that I had XXXX days late and it dropped my credit scores XXXX points!!!!
Consumer complaint received 2019-01-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

Our mortgage was sold by XXXX  XXXX XXXX to Carrington Mortgage Services this past fall. The mortgage payment has been {$630.00} monthly. 
On XX/XX/XXXX Carrington informed us that they would be raising our monthly mortgage payment to {$700.00}, an increase of {$70.00} per month. None of our taxes or insurance have increased, but they are now requiring us to have an excess of {$720.00} in our escrow account. 
Our taxes & insurance payments are XXXX. 
XXXX = XXXX and XXXX = {$49.00}. 
According to your representative that I spoke with, the above are the limits to which the mortgage company can require for additional escrow. Because I am retired and my husband on XXXX, the {$70.00} extra would be a hardship for us. 
I have spoken to several of the Carrington customer service reps, but they all say that the figures are correct and that is what we must pay, anything less would not be accepted toward our mortgage payment. They also told me {$720.00} must remain in our escrow account, and we would only get back anything above this amount at the end of the year. 
At present, we owe payments for XXXX and XXXX, and we are hoping to resolve this issue. I will be making one payment on XX/XX/XXXX when I receive my social security check.
Consumer complaint received 2023-03-26
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: JPMORGAN CHASE & CO. (TX)

I have reached out too these companies back in XX/XX/2022 in regards too these inquiries on my credit report I have called an they have not been able too provide me with a explanation as too why they are on my credit report so under FCRA 611 ( a ) ( 7 ) I would like for these companies submit verification of signature where I gave them permission to run my credit. I would like for under FCRA 611 ( a ) ( 7 ) the companies submit documents of signature or my permission for them too run my credit if companies can not provide documentation I would like them too remove the inquiries off my report please and thank you.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

During the Covid Pandemic period, I was offered a Covid  Forbearance plan by XXXX. The started XX/XX/XXXX to XX/XX/XXXX. No payments but I had the option at the end of the period to repay the arrears in full in XX/XX/XXXX or Modification plan and arrears will be added to the balance. I accepted the Modification plan in XXXX and made some payments towards the arrears. They stated that no delinquency or late payments would be reported to the 3 credit bureaus. The put me on a trial period plan where I make 4 straight payments then I will have a regular payment plan. I have done everything that was asked of me, and it can be verified. This morning, XX/XX/XXXX, I received alerts from the 3 credit bureaus that I had 120 days late and it dropped my credit scores XXXX points!!!!
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-09
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. (OH)

In Accordance with the Fair 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 2022-07-09
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. (OH)

In Accordance with the Fair 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 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-25
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. (GA)

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

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

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

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

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

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

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 2022-07-09
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Auto 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 2021-12-06
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. (WI)

On XX/XX/XXXX a letter requesting method of verification of a public record was sent to Equifax. I have not received any notice of the investigation as of XX/XX/XXXX. I additionally submitted records from XXXX XXXX to Equifax to show that there were no public records listed in regards to the chapter XXXX bankruptcy.
Consumer complaint received 2022-07-09
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CrossCountry Mortgage LLC (NY)

Cross country Mortgage has stated I have not made payments in 4 months this is untrue I have made all payments during forbearance. I have also made payments over the amount they asked for They have reported that I owe more then I due and also add that I have outstanding amount of XXXX which is untrue when they had over XXXX XXXX dollars they report the mortgage is higher then what it it really is I called an asked for an itemized detail list of how the funds would be disbursed and have no repose I have never missed a month of the payments they reported I did I would like this fixed on my credit score I gave them all the payments and money and now am entering a new agreement with them and this happens
Consumer complaint received 2022-07-09
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. (NY)

I have been submitting requests for XXXX months with now with no response at all form XXXX about an erroneously reported XXXX account that shows as a satisfied collection. It's not reported correctly. XXXX has activity on a collection account. and XXXX continues to illegally update the DAte of last active and re-age this account. 

Equifax continues to report current and positive payments on an account they mark as a closed and paid collection! they refuse to remove this inaccurate information and continue to update the XXXX
Consumer complaint received 2022-07-09
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: CCS Financial Services, Inc. (OH)

In Accordance with the Fair 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 aXXXX states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

I filed a complaint and Citibank requested my documentation and proof of both my passports, because I have two citizenships, in American passport I am XXXX XXXX and in XXXX passport I am XXXX XXXX, I sent both my passports and they have ignored me. 

They are holding my {$25000.00}, as I previously told them I have left the states and have only got a family correspondence address. I need my money because my property developer is threatening to foreclose on my properties. I have no money currently. 

I have given Citibank all their requested documents and they have simply ignored me. I Need my money and I would love for them to transfer it to my XXXX account or give me access so I can do it because if I have to pay out of pocket for flights to america to pick up a cheque when I have done nothing illegal or wrong apart from been there victim of citi stealing my money under legal loopholes then I will have to file arbitration against citi for monetary damages and punitive damages.

I need them to take this seriously. Its been 5 days since their last email and I call and they say I should wait for my case manager to look over it
Consumer complaint received 2022-07-09
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. (OH)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1861 section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-09
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Auto 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 2022-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted XXXX complaints to all XXXX bureaus regarding a XXXX XXXX account that is showing up on my credit report erroneously. Transunion keeps illegally updating it, XXXX has never investigated it, and XXXX reports current payments on a closed account and they refuse to correct it!
Consumer complaint received 2022-07-09
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. (OH)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, has violated my rights. 

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

15 U.S.C 1861 section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-09
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. (OH)

In Accordance with the Fair Reporting act XXXX Account #, 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 2022-07-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I used XXXX XXXX XXXX XXXX to send XXXX USD to a Korean bank on XX/XX/XXXX. XXXX used Bank of America to send money to XXXX, however over a few weeks, Bank of America didn't even update anything and had been holding the money without any updates. And finally, after a few requests, they said the recipient 's name is matched with XXXX of the names on the sanction list so it is in compliance. XXXX and I provided more information regarding the recipient, however over XXXX weeks, Bank of America hasn't even done anything, and we finally requested for retracting the wire a week ago, and still no answer. 
It is very frustrating since I am dealing with time-sensitive issues, and I can not even get updates on what is going on. XXXX XXXX XXXX and I did everything we could do and now the fact that just retracting the money is taking a few weeks is egregious. This has been really impacting my family 's major life events. 
Bank Of America should know better about its responsibilities as a financial institution and acknowledge its actions really impacting people 's daily life.
Consumer complaint received 2022-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Starting fall XXXX, I tried on multiple occasions to clear up an unjustified penalty payment. Mr. Cooper was unwilling to reverse an unjustified penalty fee incurred when their system failed to accept a longer-than-usual checking account number. This happened when I was trying to switch from one checking account to another ( both XXXX XXXX ) for auto-payments. This technology glitch on their part resulted in two missed payments, and they levied penalty fees for each month missed. Until this event, I had never missed a payment. I paid both missed payments immediately. They reversed one penalty fee but not the second penalty fee ( one for each month ). Their customer specialist XXXX XXXX even admitted that there was a technology issue on their part. 
After months of recalcitrance on their part, I protested the penalty payment at XXXX XXXX XXXX. I won the case on XX/XX/XXXX. They were notified that they should pay me {$190.00}. More than 90 days passed. I sent them a polite reminder letter on XX/XX/XXXX, certified. Still no response. For such a small amount, it is beyond belief that they would defy the law and refuse to pay what is legally required.
Consumer complaint received 2022-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (FL)

Bank involved : TD Bank Description of Issue ( s ) : On or about XXXX XXXX, ATM card was frozen allegedly for use at a questionable ATM not of TD Origination. Discussions with TD Personnel unfroze card, but there was no real reason for it. 

On XXXX XXXX I get a text from XXXX that my payment is late. I had already set up their payment for on or about XXXX XXXX. This made no sense. I tried to log into my account on line several times but was unable to login. 
I then called TD Bank about XXXX XXXX. after a whole crazy process, I spoke to a person who was pretty clueless at which point I got XXXX and he hung up on me. 
I called back and had to go through the entire process again. Was connected to their fraud people and verified the bills they questioned ( which I had paid many times before ) and they were supposed to have been unfreezing my account. I waited the 2+ hours and called back since I was still unable to login. 
So the upshot is all my setup payments are now late which will ding my credit score and wallet. 
I again went through the lengthy process and was told the account was unfrozen and " they were working on it ''. I asked what that meant. They were unable to tell me what that meant. I asked to be put through to a supervisor to file a complaint about their XXXX  fraud people unilaterally disrupting bill paying to parties that have been paid many times by me. I was then transferred into a hold cue ... .I hung up after waiting a few minutes. 
I tried to log into my account about 2 hrs later, it still wouldn't let me log in. I called back but the wait was over 10 minutes. 
For a bank that states they are the worlds most convenient bank I would say they are the worlds most Inconvenient bank. I would just say their " fraud team '' is incompetent and current customers should run very fast in another direction.
Consumer complaint received 2019-05-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IL)

I have an XXXX XXXX XXXX Card from Synchrony Bank and a balance of {$96.00} which was due on the XX/XX/XXXX. At about XXXX XXXX on the morning of XX/XX/XXXX I paid off my balance IN FULL but I was still charged a {$27.00} late fee. Please make Synchrony Bank remove this {$27.00} fraudulent fee and penalize them for ripping off their customers. I complained about this fee on XXXX to my followers and got over 100 comments and XXXX so this Bank have to be known to the CFPB as notorious for these type of fees.
Consumer complaint received 2022-07-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ALLY FINANCIAL INC. (OK)

A report of a auto sent through Ally Financial is listed on my report that was included in a bankruptcy. Im have a bankruptcy showing in my report and a ally CO showing 90 days late which is incorrect. This account was paid in full and on time. This ally account is only being reported by XXXX  and needs to be removed immediately Im being penalized twice for the same issue.