davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
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. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2018-12-23
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)

I contacted all three credit bureaus via certified letter requesting that the investigate this XXXX XXXX account that has been closed and to delete it from my credit report due to them violating the FCRA laws which state that they must report accurate information and to respond to the consumer within a timely manner which they have not. This has cause my credit score to decrease and me to be denied credit for a home.
Consumer complaint received 2023-09-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On or around XX/XX/XXXX I received a notarized letter from a representative of capital one stating that Capital one had no open lien on my vehicle. I called capital one and was told that a mistake was made and I had been paying on a different vin number than my XXXX XXXX. I asked for clarification. They said that they accidentally put the wrong vin on my documents and that I was paying on the wrong account. They then went back and retroactively edited my payment history and changed the account numbers. I feel that this is absurd. That they shouldnt be able to go back and edit an agreement that was made. Im very upset and confused.
Consumer complaint received 2021-07-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MS)

EQUIFAX CONTINUES TO GIVE MY CREDIT SCORE A LOW SCORE. SO LOW THEY ARE AT LEAST 100 POINTS DIFFER THAN THE OTHER 2. WITH POSITIVE REPORTS FROM CREDITORS MY SCORE SHOULD BE GOING UP EACH MONTH AS THE OTHER 2 REPORTING AGENCIES ARE GOING UP BUT NOT EQUIFAX IT STAYS THE SAME. IT SAYS YOUR DOING A GOOD JOB ON YOUR CREDIT ON MY PAGE BUT THE SCORE STAYS THE SAME. DISCRIMINATION
Consumer complaint received 2021-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

XX/XX/21 XXXX XXXX, received the following phone text from XXXX : Re : Your EQUIFAX acct. has been temporarily frozen for fraudulent activity! Please resolve Immediately : XXXX XXXX XXXX ( tap to load preview ) Went online to check out who XXXX is. Nothing comes up. The only XXXX  to be found is on XXXX for a craft ( and other offerings ) site named XXXX. 

I did not contact Equifax since this XXXX  site doesn't exist. I knew immediately that this is a FRAUD OR SCAM.
Consumer complaint received 2021-07-17
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. (RI)

I have several hard inquiries on my Transunion credit report that I didnt do. I only apply for pre approved credit cards. These even some that was done twice in the same day. Thank you for your time. On those inquiries XXXX XXXX  is mine XXXX XXXX is mine and XXXX XXXX is mine. Those three only are mine.
Consumer complaint received 2021-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

This debt was reported 2 separate times with all three credit bureaus. The creditors response is that they can not verify this debt and that it would be deleted from each bureau, however it is listed twice and still appearing as the same debt from IC system I would like this additional and identical debt deleted as well as the debt can not be verified as mine.The account number for each of the collections are as follows 1. XXXX 2. XXXX Original CFPB complaint number is XXXX-XXXX
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2022-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

I opened a XXXX  Banking checking package with Citibank online on XX/XX/XXXX. The opening deposit of {$100.00} was funded through an ACH transfer from my checking account with XXXX XXXX. I then initiated a transfer of {$49000.00} from XXXX XXXX  through ACH on XX/XX/XXXX. The funds were deposited into my Citibank checking account on XX/XX/XXXX. The balance at that time was {$50000.00} I then received an email on XX/XX/XXXX saying my Citibank checking account will automatically close in 60 days. The final statement for the account was generated for the period XX/XX/XXXX to XX/XX/XXXX where it showed a withdrawal of {$50000.00} on XX/XX/XXXX. I was hoping to receive a check for the balance ( as was also stated in the email of XX/XX/XXXX ), but I haven't received any check yet. 

I called Citi and they said they can not send a check, but the funds were sent to the " ledger '' and asked me to initiate a claim from the funding bank ( XXXX XXXX and XXXX XXXX  ). I tried filing an ACH claim from XXXX XXXX, which was denied saying that the fund transfer was initiated from Citi. 

There is no Citibank branch in my state and I am not able to find anyone to help me get my funds back.
Consumer complaint received 2018-12-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX is reporting FOUR collection accounts under my credit report. My SS # is XXXX, XXXX XXXX, DOB- XX/XX/XXXX.  There are no account numbers reported The balances are {$290.00}, {$94.00}, {$99.00} and {$280.00}. This compnay called me ONCE over these accounts, I disputed these accounts right away! Two accounts were paid and setteled and teh other two I paid through my HSA!!!!!!! I asked for proof of what I am now being billed for and they never sent it!!!!! They are in violation of FDCPA 1692 ( g ) ( a ) and ( b )!!!!! My credit score has gone down 115 points due to there inaccurate reporting!!!!! These debts are not owed and they never sent me proof of what I am even being billed for before they reported these accounts to the bureaus!!!!!!! These Four accounts needs to be removed from collections under my credit reporting!!!!
Consumer complaint received 2023-03-29
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. (MS)

XXXXm a consumer 15 USC 6802, financial institutions may not disclose non-public personal information to any non-affiliated third party. No credit union has got my authority have asked for my Authority or have received a call from me about they can use my Consumer Report. Also 1681a ( i ) ( ii ) ( iii ) exclusions late payments and utilizations are not part of the consumer report and is not a factor in anything on my Consumer Report and should be removed and all laws that I have stated all credit companies have to abide by these laws or will be sued to the full extent of the law. An last 15 usc 1681Q Oblaining information under false pretenses, reading permission must be given and no written permission has been given These items that I document and state or over 108 violations with all credit companies I would like everything on my Consumer Report removed. 

All accounts are for remove XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (CO)

Affirm, is billing me for furniture I ordered and cancelled with XXXX hours ( this was an online transaction ) and the reason for the cancelation was the items I wanted to purchase was a bedroom set and a few other things, The bed did not come with a mattress so I decided to cancel the because for the price of the bed I think the XXXX should be part of the purchased. I paid a deposit of XXXX dollars and cancel the order the next day and affirm refunded my credit card but, they did not cancel the order and told me I had to take the items. I have not received any furniture from this company. 
XXXX of XXXX, I hired an attorney to have Affirm removed this negative item form my credit, No one at affirm will returned the XXXX call or responded to the emails. Below is my Attorney information I do not think I should have to pay for items when I cancel it and I should not force to accept items as well. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone No. : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Federal Tax ID : XXXX
Consumer complaint received 2019-09-13
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I've had a Kohls charge account for over 15 years, I have not used the card in about 2 years but log on weekly to check my account, I tried to log on last week and could not access my account, I called Kohls customer service multiple times and multiple emails and they have no record of me ever having an account with them. The CS reps seem to think that my account was closed due to inactivity, which I understand, but I have tried to ask for a confirmation of my account being closed and a current balance ( which should be {$0.00} ) but they can not provide me with either. As a consumer I feel I have the right to be notified when any account of mine is closed and they should furnish me with the ending balance of my account for my records. Is it very strange they have no record of my account after 15 years and with identity theft very common I am concerned. I just got off the phone once again with a Kohls rep and once again no record of my account, at this point I just want to close this account, but I should receive documentation of the account closing and any balance due
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

Santander/XXXX Bank XXXX XXXX XXXX XXXX. I closed my checking account and line of credit account in person XX/XX/XXXX at the branch. 
and they are still negatively reporting this account to all credit bureaus. 

I then declared bankruptcy chapter XXXX, XX/XX/XXXX. I was ordered in federal bankruptcy court to pay back 100 % of all my debts through the bankruptcy court for the next XXXX years. Which I did. 
and completed repayment in XX/XX/XXXX. Santander/XXXX XXXX   was named in my bankruptcy and has been paid in full their {$1900.00} through the bankruptcy court. But they are still negatively reporting that I owe them {$1900.00}. Which I do not and their reporting needs completely removed from all my credit reports.
Consumer complaint received 2023-02-08
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-13
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (DE)

I placed an order XX/XX/2017 and I paid with my Comenity Bank/XXXX   credit card. I did not receive the items, and immediately advised XXXX customer service of my issue and called them several times after my initial call. I did not receive a response from Loft until XX/XX/17 asking for clarification on which items I did not receive. I immediately emailed customer service back the same day and advised that I did not receive any of the items I ordered. I did not receive a partial refund to my account until XX/XX/2017. I had to make several more calls for the other portion of my refund which was finally refunded on XX/XX/2017. I had to make several payments to avoid being reported late even though I did not owe any money. By the time everything was refunded I was advised by customer care that they would not report the late payments to the credit reporting agencies because of their negligence. However, I have been reported late and they are advising there is nothing they can do.
Consumer complaint received 2019-09-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MN)

This complaint relates to XXXX and PayPal. I used the latter to pay a recurring subscription for the former ( XXXX subscription that had ceased to be available ). I could not find a way to cancel the subscription through XXXX or XXXX. So I tried to cancel it through PayPal. PayPal makes it incredibly hard to figure out how to cancel a recurring payment and the instructions they provided could not be executed. I decided to cancel my account with PayPal and in the process they offer a warning that doing so may irreversibly impact my reputation. This is fraud! This would never be tolerated by a bank. Why is tolerated for a non depository payment company?
Consumer complaint received 2024-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BERKSHIRE HILLS BANCORP, INC (MA)

Hi, Summary : The bank is not paying the correct amount of taxes for my property, they are not paying the taxes on time, and they are charging the tax penalties to my escrow account.

Resolution : The bank should pay the right amount of taxes and they need to refund my escrow account for any late fees incurred since I have not been late in my mortgage payments. 

My loan number at BerkshireBank is XXXX. I have called the bank endless numbers of times since XX/XX/XXXX, I have sent several emails to the email that they provided me XXXX, however, the issue persists. They never respond to emails, and on the phone, I can only talk to a customer representative and the manager ( just one level up ). They refuse to give me a case number. 

I own 53 % of the property ( see document attached, master deed ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The tax bill will not be split until XXXX because this is a condo conversion. 

Tax due so far on the entire property : XX/XX/XXXX {$3300.00} XX/XX/XXXX {$3300.00} XX/XX/XXXX {$6600.00} Total : XXXX my share of this is {$7000.00} ( seed document attached ) Tax paid so far : XX/XX/XXXX {$3300.00} XX/XX/XXXX {$1800.00} Total : {$5100.00} Taxes owed by the bank : {$7000.00} - {$5100.00} = {$1800.00} Penalties imposed by the city of XXXX so far : Interest {$690.00} ( see document attached ) Again, I would appreciate it if the bank paid my propertys taxes on time and didnt pay tax penalties from my escrow account. Being delinquent on real estate taxes is a major problem for me. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

My financial hardship started on XX/XX/2018. Prior to this date, I made every possible attempt to ensure that my monthly mortgage payments are made in a timely manner. However, due to business failure and medical situation I was unable to make my monthly payments. By the time I'm ready to pay the balance due and get reinstated, the loan transferred to PHH/ Ocwen Loan Servicing . Despite all attempts in obtaining a loan modification, as this date, we have received a deceptive response from PHH / Ocwen Financial Services. I have made numerous attempts to reach a representative with PHH / Ocwen Financial Services and have submitted the required documents for a loan modification through US mail and also their web portal. However, due to the lack of communication with a customer service representative and or the Relationship Manager has been a major challenge. Calls are placed on hold for hours and at the end unable to obtain accurate information. Consequently, due to inconsistency with the manner PHH/ Ocwen Loan Servicing conduct business, they denied the request for the loan  modification incorrectly. As of this date, they are ignoring the appeal for the loan modification denial using incorrect income, family income that contributes to helping with the housing expenses and incorrect property value. I have disputed the inaccurate NPV input chart and yet again my request has been ignored. It will be devastating to lose my home when I have to care of my XXXX children and XXXX XXXX senior citizens that will consequently be displaced should we lose our home. I just feel like, PHH/ Ocwen Loan Servicing is motivated to take my home.

We are requesting for PHH / Ocwen Financial Services to review our financial application using correct property value and income for a loan modification or a short sale and stop the unlawful foreclosure procedures. We reserve the right to take legal action against PHH / Ocwen Loan Servicing for this type of illegal business practice, VIOLATION OF THE HOMEOWNER BILL OF RIGHTS and UNFAIR BUSINESS PRACTICES CAL. BUS. & PROF. CODE 17200.
Consumer complaint received 2019-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

Unable to place credit freeze with EQUIFAX after 3 hours on line and telephone today not to mention numerous attempts in the last 3 weeks. Always can not get through to an agent or complete transaction on line. Have moved 8 weeks ago and I even tried to use my old info from my previous but yo no avail. 

I was able to place a freeze WITHOUT DIFFICULTY with XXXX as well as XXXX. 

What do I or Equifax must do to get some credit protection? 

Have an account with them but but when trying to get on line I am told I must call them. Have tried numerous times with multiple numbers and can not get through!
Consumer complaint received 2022-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (MD)

On XX/XX/2022, I notice there were numerous transactions on my checking account that I didn't authorize. I called M & T Bank and informed them of the problem. I was told that my card would be closed and a new card would be sent out. I was also told to monitor my account and if there were any more charges made to call back in. Which, I shouldn't have had to do so if I've already reported the issue. Later that evening I logged in to see another charge was made. I called back in to speak with a representative and at that time the ATM card was shut down. I don't know why it wasn't shut down immediately when I called earlier that day! The second representative also sent me a new card out expedited and finally closed the old card. I spoke with a supervisor this morning XX/XX/2022 about my issue and told her there were more charges and I ask how could this be if the card was closed? She then put in another dispute for the extra charges. I also ask why did I not receive any alerts notifying me as well as the bank that these charges were occurring back to back? Because I had reported the issue yesterday XX/XX/2022? She couldn't give me a clear answer. As of now, this issue has cost me a total of {$190.00}. And I would like my money refunded to me asap and for them to fix the system that's supposed to notify members of the activity on their accounts. I received one notification after the fact and never received any other notifications about the other transactions I didn't approve. The supervisor told me she would be clearing the issue up but, I haven't heard back from her. This is unacceptable for M & T Bank to handle one 's account in this manner when they're entrusting the bank to protect their funds!
Consumer complaint received 2019-09-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

I paid off my loan and i have proof from my bank, yet the company says i owe two loans. You can not re-loan if the first loan isn't paid off. So this company is double dipping on me plus charging me additional fees. I want them to be fined in the amount of {$1000.00} to be payable to me immediately.
Consumer complaint received 2021-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY (NY)

I dont underdtand why my hotels credit card application is taking so long to process and get approved they first told me my freeze I lift it I have a fraud alert and they have t contacted me to finalize my application I shouldnt be treated like this and be approved