davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am writing to report a violation of the Fair Debt Collections Act by XXXX XXXX XXXX. There is an account XXXX listed on my credit report by XXXX XXXX which has been re-aged. XXXX XXXX XXXX deliberately changed the date of first delinquency on a consumer account from XX/XX/XXXX to XX/XX/XXXX in order to park the debt on my credit report. Prior to XXXX XXXX, the Date of First Delinquency was listed as XX/XX/XXXX by Equifax. 

XXXX XX/XX/XXXX, I was notified by credit monitoring, the collection account was removed from Equifax, XXXX, and XXXX as the account was approaching the 7-year reporting deadline. In XX/XX/XXXX, I was notified once again that I had a new account in collections on my Equifax report as of XXXX XXXX, XXXX. When I pulled my Equifax report on XXXX XXXX, the report displayed the exact same account XXXX re-added to my report with a new First Date of Delinquency of XX/XX/XXXX, 5 months beyond the credit bureaus reporting expiration date. 

To prove the Date of First Delinquency changed, can provide documentation from not only Equifax, but from XXXX  and XXXX  as well. They all show the account was to be deleted by XXXX XXXX, which is consistent with the Date of First Delinquency being XX/XX/XXXX. 

In XX/XX/XXXX, I asked Equifax to investigate, but they closed the investigation and updated my report to read XXXX disputes after resolution. Equifax has allowed XXXX XXXX XXXX. to violate the XXXX XXXX XXXX XXXX by falsifying my credit history and knowingly re-aging an account with the intent to cause further damage to my credit. This illegal behavior by XXXX XXXX XXXX indicates me they knew Equifax would overlook my complaint, and that XXXX XXXX XXXX will continue to negatively re-age the delinquency status in an attempt to deceive.
Consumer complaint received 2021-05-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

This bank is horrible and in violation of the law they treat me horrible I have a credit card that is with their collections and their very rude to me its charged off for months Ive been asking for help I lost my job due to being XXXX XXXX XXXX they dont want to settle with me they give me a hard time and when I called them and asked for a statement to review my balance by law they are supposed to to validate my debt I want to see my balance and demanded they mail me a statement they refused very bad business practice
Consumer complaint received 2018-12-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (MO)

These people have not provided me with anything that I asked for. When I orginally contacted this company I wanted to get the debt verified and to get a copy of the bill and any other information pertaining to this account. The representative was very rude and stated that if i did not recall seeing the debt that i would have to fill out a fruad packet. They basically denied me the right to dispute this bill by trying to force me to fill out a fruad packet by over talking me and not allowing me to ask them for the things that I need for me to dispute this account. THIS IS ILLEGAL. BEFORE I proceed with a fruad packet I would like you to upload a copy of on the bill from XXXX communications. I need the first date of service, and itemized list of of the bill, as well as when the last payment was recieved. I would also like to see a contract from the company. It is my right to dispute all or some parts of a debt. you have not provided me the opprotunity to do that. 

I would like this company to be reported to the FTC. They use pressurized over talking tatics to push consumers into a corner so they do not have to verify a debt. When I asked them to verify the debt. They lady kept over talking asking if the debt was mines or not. and I kept explaining to her that I do not recall but would like them to verify the debt. she said that if I did not recall seeing the debt that I would need to fill out a fruad packet. They are refusing to allow me to dispute all or parts of my debt by not allowing me to ask them for the things I need. I would like this company to be fined.
Consumer complaint received 2022-03-01
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. (PA)

Hi, my name is XXXX XXXX. Transunion is failing to address and meet my demands whereas I submitted evidence and opened multiple disputes on my credit report for accounts that were compromised and opened due to identity theft. Instead of investigating which now it has been over 30 days since I contacted Transunion where I haven't heard back on any investigation results disputes or notified of anything that went on. They send me a letter pertaining to the dispute that they don't think that the information sent was from me the consumer when it was 100 % me and I provided proof of identification that the dispute was from me. Transunion is doing this to cover up and buy more time for these inaccurate, illegal reporting accounts on my report that is significantly harming me where I am unable to go for a mortgage loan in which I am currently shopping for. I need the CFPB to address this and help me Transunion already has all the documents required to get this investigation going and need the CFPB to help put pressure on Transunion to stop this illegal activity and to process these disputes so I can get these accounts that are not mine and don't belong to me off so I can get my home.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am a victim of identity theft. The following information is reporting to my credit report is information that I have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile within $ business days of receipt of this letter. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that I owe a debt or consented for them to run my credit report. The following information is fraudulent ( XXXX XXXX # XXXX {$290.00}, # XXXX {$290.00}, # XXXX {$210.00}, # XXXX {$56.00}, # XXXX {$56.00}. I will be following up with each agency to ensure that this matter is taken care of promptly. Failure to comply will result in a lawsuit against all parties involved. including any agency reporting fraudulent information to my credit report.
Consumer complaint received 2021-02-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: AMERICAN HONDA FINANCE CORP (RI)

I have had multiple car loans/Leases with American Honda Finance. I now have have 3 unpaid charge offs on my credit report from 3 different cars purchased new from XXXX XXXX in XXXX Rhode Island. The unpaid charge-offs are for {$850.00}, {$540.00} and for {$270.00}. The dealership told us these outstanding balances should have been taken care of and closed out at the time of trading the 3 different vehicles in to purchase a new vehicle. The 3 amounts listed above have been reported inaccurately and the trade-ins were not handled accurately by Honda Finance. I have an excellent payment history with American Honda Finance. I want these charge-offs removed from my credit report. I have already submitted disputes with experian to have these removed as well.
Consumer complaint received 2023-04-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Kind Attention : my dears at CFPB.. greeting..I submitted my judgement to bank of America XXXX XXXX state of California on XXXX XXXX, to fax and process my judgement XXXX, for more than two times, I never got reply, please by Any chance submit my documents To : [ legal procedure and court orders ] since no way I can get in Touch with the appreciate department, please find attached For your guys attention : * Plaintiff Federal Procedure 54 * Judgment statement of cost your kind attention, for my issues And concerns, will be a highly appreciated, thank you, '
Consumer complaint received 2022-11-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MI)

XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) transferred mortgage loan account to Freedom Mortgage Corp. as a Debt Collector claimed XX/XX/XXXX payment had not been remitted. Subsequently, Freedom has rejected all indisputable documentation substantiating all payments remitted timely presented multiple times. The Freedom account perfect pay [ XXXX XXXX XXXX XXXX ] has been perverted to chronic delinquent-default status, and I have been subjected to harrassment, humiliation, intimidation at XXXX XXXX XXXX as the result of being deluged each month since XX/XX/XXXX with delinquent and default notices, hand-delivered notices posted on my front door and deluged with HUD foreclosure packets, while Freedom accrues late fees, submits negative reports to government and consumer reporting agencies. My losses incalcuable, irreparable. 

Note : Freedom has established pattern for targetting FHA Insured mortgages - see XXXX Prosecuting Atty v Freedom XXXX XXXX, XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX worked to resolve for over 3.5 years through HUD, XXXX XXXX XXXX XXXX since XX/XX/XXXX without resolve. XXXX  XXXX Complaints XXXX, XXXX. 

But, XX/XX/XXXX Freedom 's Escalation XXXX XXXX  XXXX # XXXX, XXXX # XXXX, admitted account current at time of transfer to XXXX  XXXX XXXX XXXX ( XXXX XXXX x XXXX ) and I. 

But, Freedom has not corrected and adjusted account from XX/XX/XXXX transfer to date.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (OH)

I called CitiBank in XXXX to close my account. They asked why, and I said I didn't feel the rewards were worth the fee. 

They offered me a promotion : To refund {$99.00} if I spend {$100.00} in 30 days. I told them I did not have the card on hand and would need a new card sent to me in order to do this. I was NOT living at home I provided my at-the-time current XXXX address. They confirmed and re-confirmed many times and said that the card was being shipped to my XXXX address. I then agreed to the terms. 

The card never came. I called in XXXX, after the fee hit, and I informed them the card did not ever come. They told me it had and it was not their responsibility. I told them that there was no way the card was delivered to the right address. They assured me it was. 

I returned in XXXX to US. Low and behold, the card was at my OHIO address. This is a violation of the terms I agreed to. I clearly stated that I needed a physical card to spend. I clearly stated my XXXX address and was told the card was being mailed to XXXX. They never sent it to XXXX, they sent it to Ohio. 

I am beyond outraged I was going to close my card but then kept it open, and now I have {$99.00} fee that I never wanted. I called and spoke to XXXX on XX/XX/XXXX at XXXX ET. He refused to help me. He refused to give me any additional information. He said there was no way to credit my account and there was no one that he could pass me to anyone else. The agreement was unfair and deceptive. You can not tell a customer that they will get a fee refund and then purposefully send the card to the wrong address, knowing I wouldn't be able to spend with it.
Consumer complaint received 2018-05-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

Hello, I took my car for service to mechanic to repair the heating system, since I was not getting heat in my car, so the car repair guy asked me {$660.00} for repair. 

He took my car and I do not know what he did, but later he gave me car back saying that everything is take care, heating is repair, so I gave him my debit car for charge keeping in mind that if he did not actually repair my car, I can claim the money back from him, or if he denies, I can claim it with bank, Since bank say that they will offer a dispute resolution for the service not received and will give me my money back by taking it from merchant in case if he actually did not repair my car. And finally the car was actually not repaired and the heating system is the same since the same day he gave my car back to me claimed to be repaired. I asked them refund, they said no, I contacted my back, waited for a whole month sending them documents what they need, and finally the back declined the claim saying that I need to contact the merchant, when in fact if it was the case, why the bank make me struggle for a whole month and asking documents and wasted my time. Due to heat problem, I had a XXXX problem in my XXXX due to driving in cold, I spent a good money for no or zero service. 

Bank Name : Chase Bank Claim Number : XXXX Ban Call Number : XXXX Account Name : XXXX XXXX ( XXXX XXXX ) My Account Ending in : XXXX Merchant Name : XXXX XXXX XXXX XXXX XXXX XXXX Disputed Amount : {$660.00} Thanks!
Consumer complaint received 2019-06-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

XXXX trans. Without my knowledge for {$200.00} on XX/XX/XXXX by a name n number from Georgia I dont use XXXX. 
I dont even know a XXXX XXXX XXXX  XXXX XXXX XXXX Bank of America i contacted. Filed a claim Today XX/XX/XXXX. They emailed me and denied my funds to return back. 

15 years loyal customer and they tell me im not entitled to my money. 
They robbing you. Its not right. 
Its the principle i see others had the same problem. Taking months which is XXXX XXXX.
Consumer complaint received 2021-02-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (NJ)

I been trying to get a foreberance on my mortgage payments since XXXX the soonest I lost my job due to Covid 19. I called several times, I emailed several times and always received a reply to just wait or fill form again. I am on bankrupcy chapter XXXX, still making payments to trustee. Once I lost my job in XXXX I couldnt send any more mortgage payments. I did continue to pay the XXXX monthly to the trustee. I been struggling to make ends meet the best I can. I like to keep my home, I just need help to resume my mortgage payments and to put what I owe at the end of my loan if possible.
Consumer complaint received 2021-02-12
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: Choice Recovery, Inc. (OH)

Pulled my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to CHOICE RECOVERY INC # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to CHOICE RECOVERY INC # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPA authorization.
Consumer complaint received 2022-06-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (CA)

IQ data international called me on XX/XX/XXXX and XXXX, XXXX, and told me that I owed them around XXXX dollars. On the phone call on XX/XX/XXXX and XXXX, XXXX, I requested to send me written documents about the debt to validate the debt and the agent refused it. They claimed that they have already sent me the written documents, but I didnot received it. I requested them to show me the proof to prove that they did send me mails or emails. They refused it. I requested them to send me again by mail, they also refused it. I don't have enough information to validate the debt and I also don't know their mailing address to send them a letter to request the information. And they also reported this debt to the credit bureau.
Consumer complaint received 2022-03-01
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (FL)

My name is XXXX XXXX, and I am the Estate Administrator for my deceased mother, XXXX XXXX XXXX. When my mom passed, I found out she had a reverse mortgage with PHH Mortgage. With an Estate Attorney in place, we were told we could sell the home. The home has been on the market and under contract since XX/XX/XXXX with an original close date of XX/XX/XXXX. Since early XXXX I have called PHH to simply get a payoff. From day one I have filled out all their paperwork to get this information. After a few weeks of not getting the payoff I had the closing attorney to call for payoff. PHH refused to talk with the attorney. Since then I have gotten my Realtor involved, XXXX XXXX, of which PHH has refused to speak with her even though I have given permission for PHH to talk with her. XXXX and myself have call 30+ times, sometime several times a day only to be jerked around and given one excuse after another as to why they wont send us a payoff. PHH is a scamming company, and we believe they want to push us further out so they can foreclose on the property. We are simply asking for a payoff, they home has a buyer but we can not close without a payoff amount. PHH has been anything but helpful, again excuse after excuse. We can not get them to give a payoff and we need help, fast! Please and thank you. Ski # XXXX last 4 of ss # XXXX and address XXXX XXXX XXXX XXXX, XXXX, NC XXXX PHH contact # XXXX
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

I have had this Comenity Ulta Mastercard for a number of years. In the past year, I have noticed the payments are not applied as you submit them on the website. I pay my statement balance each month to avoid interest. But the website never takes the full amount that you request. Therefore, exposing you to high interest charges. When I notice this fact in my bank account I go back in and make an additional payment, but if I don't notice it, I end up getting charged the high interest rates. I believe it's a scam to be able to charge customers and make money fraudulently. I have called customer service multiple times and complained about this flaw, with no avail. I am cancelling the card but thought it should be documented what they do and hopefully corrected in the future.
Consumer complaint received 2021-12-06
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. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information 's about my inquiries are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX & XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021
Consumer complaint received 2024-03-26
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (KS)

I paid the balance due on my XXXX Credit Card back in XXXX and they are still showing an outstanding balance with interest. My XXXX XXXX is taking a huge hit with this on it. 

I work for a bank and this looks very bad on my credit report.