davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

We are reaching out for help, with the hope you can help keep a family in their home. We have a son with XXXX XXXX XXXX. After enrolling into an educational program, he lost his XXXX in XX/XX/2016. Anyone familiar with this diagnosis is aware there isnt a magical cure or treatment. We fought, and eventually were able to have it reinstated. But during this time, we were dependent on our savings and fixed income. 

Because of our tax return, we were able to get to XX/XX/XXXX without missing a payment. With just XXXX paycheck, medical expenses and XXXX children, even with our best efforts we fell behind. When we were finally on our feet enough to be able to put together a month or two, our bank declined the payment. They wouldnt take our money or work with us to make it right. We wanted to get back to paying on time, as we had before, but they said they wouldnt do anything until we paid the entire balance. 

For twelve months, weve been working on trying to get back on track. Weve been battling simultaneously for our sons XXXX, which has been resolved, and also to keep our home. Weve filled out, collected and sent in paperwork over and over because it always somehow got lost. Id receive letters in the mail, but every single time I tried to reach someone on the phone, Id be on hold forever and never reach anyone. It was, and is still a nightmare.
Consumer complaint received 2016-02-02
Product: Credit card — 
Issue: Delinquent account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (UT)

I had a credit card with USAA Federal Savings and XX/XX/XXXX the account was charged off. XX/XX/XXXX, they sent me a XXXX for the charged off balance, which I filed with my taxes. They are still reporting the whole balance and it should have been XXXX once the XXXX as issued. It has affected all my financing since XX/XX/XXXX due to this fact.
Consumer complaint received 2020-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Due to Covid19 that resulted into unemployment, I have been unsuccessful in getting assistance with my three of Capital One credit cards since XX/XX/XXXX. Unbeknownst to me, these three credit cards were closed on XX/XX/XXXX. I saw that three of the accounts were restricted, but I never received any notice informing me that my accounts would be closed. 

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and through Capital One chat, I have requested assistance with my accounts, which has not been provided. 

On XX/XX/XXXX, I spoke XXXX, and was transferred to a XXXX male named XXXX, who was a supervisor. He claimed to be speaking to his supervisor and support team to get approval to assist me. Yet, he came back on the line asking me computer-generated question, which concluded that I did not qualify for assistance. I recorded all conversations with representative for evidence of my efforts to protect my credit and to make payment arrangements with Capital One. 

I have spoken with several men ( XXXX and XXXX ) who have Capital One accounts that are over the limit, and two have been late on their accounts. Yet, Capital One has deferred payments and waived interest and late fees for male individuals. Every time I contact Capital One, I must speak to several different people, who claim to be escalating my calls to supervisors for assistance. These calls and chat last for more than an hour each time, without anyone offering assistance with payments. 

As a XXXX woman, Capital One and its computer-generated assessment of my account is discriminating against me based on race and gender. I have never paid my account late. I also have never gone over the limit until XX/XX/XXXX, due to a settlement that is pending due to Covid19 civil cases backlog. 

I have been an XXXX XXXX customer since XXXX. I am a financially responsible individual. With the exception Capital One, all my credit card companies have provided deferred payment assistance for several months. The stress that Capital One is causing me is diabolical. Besides being unemployed due to the virus, I have XXXX  and XXXX  XXXX, and this discriminatory failure to aid is negatively impacting my health and jeopardizing my credit score.
Consumer complaint received 2015-05-01
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

I am a victim of IDENTITY THEFT. On XXXX XXXX XX/XX/2014, I was notified by XXXX that someone had attempted to open a bank account with USAA Bank with my Name/SS # /Date of Birth. My issue with USAA Bank is that they will not respond to my requests to obtain the records relating to the fraud. The Fair Credit reporting act, 609 ( e ), allows me to obtain these records without subpoenaincluding : Account applications made on paper, online or by phone Account statements or invoices Records of payments or charge slips Delivery addresses associated with the account [ s ] All records of phone numbers used to activate or access the account [ s ] Investigator 's report All other documents associated with the account [ s ] I have sent USAA bank a copy of the police report, proof of identity, and an Identity theft report registered mail. USAA Bank have ignored all requests for me to obtain this data ; and after numerous phone calls ; they are not responsive. They always say they will call me back, but never do. USAA has not provided me any information regarding this Identity theft. I need help! Thanks.
Consumer complaint received 2022-07-24
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. (MI)

WHY ARE YOU REPORTING THIS INACCURATE INFORMATION? THE BALANCE ON THIS ACCOUNT IS {$0.00} MEANING THERE AREN'T AN OBLIGATION THAT'S DUE. THE BALANCE WAS PAID OFF OVER 10 YEARS AGO. THIS INACCURATE INFORMATION IS DEFAMATION OF MY CHARACTER.The obligation was paid theres no need to have inaccurate information reporting especially when the obligation has met these types of things destroy a person 's life and character. 


THIS ACCOUNT SHOULDN'T BE LISTED AS DEROGATORY WHEN THE BALANCE AND {$0.00} AND NOTHING WAS NEVER OWED ON THIS ACCOUNT DELETE THIS INACCURATE INFORMATION. 
WHY ARE YOU ALLOWING A SCAMMER TO RUIN MY LIFE AND YOU WONDER WHY ITS XXXX XXXX
Consumer complaint received 2020-02-03
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. (OH)

credit reporting agencies refuse to properly report accurate credit history and they are very aware of it FICO 8 CODES FOR EQUATION OF SCORE ARE MISSING GOING BACK OVER 15 YEARS OF CREDIT HISTORY NOW IT SHOWS INSUFFICIENT CREDIT HISTORY. 

ON ALL THREE BUREAUS AND TRANSUNION HAS NOT RESPONDED WITH UPDATES EITHER
Consumer complaint received 2024-04-07
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (CA)

I reported my card & transactions last month on the XXXX it has now been over XXXX days & I've gotten no where. I never received the questionnaire Direct Express mailed me so I was advised to submit a hand written statement which I did. I wasn't told any of the numbers for my claim to put on my statement so I left it blank. On the XXXX of XXXX I received a deposit for XXXX which is good yet I'm still missing XXXX so when I called Direct Express on the XXXX I was told it was to late for me to receive a provisional credit since I didn't submit documents come to find out my claim that I made was split into XXXX different claims how would I even know that? So on the XXXX the lady I spoke with said she was sending over a escalation and they had until the XXXX of XXXX to decide if I'd get the credit or not. Well I never heard anything back then the beginning of this month I received a call from someone named XXXX stating she was a advocate with Direct Express and she'd be my main point of contact. Since that day I've never heard from her again. I keep getting the run around & I'm honestly over It. It shouldn't take this long an I don't understand why when I call and stay on hold for over an hour sometimes longer none of the reps can tell me anything that helps. They claim they don't know anything or they say just wait. Well this isn't your money so of course it's easy to say " JUST WAIT '' XXXX person even told me " You just called yesterday why do you keep calling thinking you'd have an update ''. Please fix my issue & hire new knowledgeable CUSTOMER SERVICE REPRESENTATIVES!
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I was a victim of Fraud someone was using my name and personal information to open up an account in Ohio I have never done any business with the following companies : XXXX XXXX XXXX XX/XX/XXXX # XXXX, XX/XX/XXXX # XXXX please remove these account from my credit report and sent me an updated credit report. This is the 2nd time I have filed a complaint on this issue. I would also like the fraudulent addresses removed from my credit file as well. My current and only address is XXXXXX/XX/XXXX XXXX FL XXXX, My XXXX My DOB is XXXX, please delete/remove any other address from my credit report Never lived at XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX OH XXXX.
Consumer complaint received 2018-05-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Revenue Assistance Corporation dba Revenue Group (OH)

I have repeatedly asked The Revenue Group not to call my phone number and they are so rude every time even telling me on XX/XX/XXXX Thats fine maam, well call tomorrow I know this is hareassment as I have repeatedly asked this company to stop calling my cell phone from 20 phone numbers ringing once and hanging up.
Consumer complaint received 2018-10-19
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (IL)

Yesterday, XX/XX/XXXX, Halsted Financial called me at XXXX and again at XXXX AND AGAIN within the same minute of XXXX. Then today, XX/XX/XXXX, they called me at XXXX and NINE MINUTES LATER at XXXX. This is literally harassment! I am at work during these hours and have a child who had medical issues so then blowing up my phone makes me leave my production floor thinking it is about her and an emergency, when it is just them harassing me!
Consumer complaint received 2016-02-24
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

My Monthly payment for my credit card ending XXXX is showing as past due for the month of XXXX 2016 and I now owe the company a payment of {$58.00}. My monthly payments are due on the XXXX of each month. I made a payment of {$50.00} on XXXX XXXX for the XXXX 2016 statement and a payment on XXXX XXXX for the XXXX 2016 statement. However, Capital One is claiming that because my XXXX payment posted before the XXXX of the month it was applied to my XXXX statement deeming my intended payment for XXXX as not paid and reflecting my account in a delinquent status.
Consumer complaint received 2016-01-16
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XX/XX/XXXX i had a previous social security number card ending by XXXX where the social security got my information wrong.The first name appear as last name and last name as first name and the date of birth was also wrong. ( XXXX/XXXX/XXXX ) .I went to the social security office to correct the mistake, instead they assigned me a new number with my right information ending by XXXX.Since XX/XX/XXXX to present that 's the only i am using to work and apply for credit card with XXXX, XXXX, and capitalone.The previous card ending by XXXX has been surrounded to the social security office for cross reference and retirement.I am filing complaint against capitalone because i am so concerned about how they handling my personal information, starting with sms and email they addressing to XXXX instead of XXXX XXXX.I do n't know why it cause a problem to send email by using my entire name XXXX XXXX.I would like to verify the social security number capital one has on file.And also recently they have mailed me a replacement cards with the chip already been activated.I should be the only one to activate this product by using the last XXXX digit number of my social security number if it was n't any problem.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2016-04-09
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Due to having a cease and desist on my account, Capital One is showing, per their phone application, that I have an overdue payment and on the phone app and their website, it will not show my available balance. After speaking with XXXX parties at Capital One they just advised me that is Capital One 's policy regarding this and there is nothing to do. I will have to call him to get my available credit. Per XXXX she can not provide me with a reason for why this is and it is confidential and proprietary.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I noticed unauthorized inquiries on my credit report. Some one else applied in my name. 

According to the FCRA, these UNVERIFIED and UNATHORIZED inquiries must be remove. 


credit bureau name : TRANS UNION INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( they did a hard inquiry twice on this on only delete one ) XXXX
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I accepted a solicited offer by TransUnion for their XXXX XXXX membership. It was a trial than {$9.00} monthly. I can not cancel the membership, there is no link to cancel, I have been trying to cancel for months. TransUnion has a fake link to cancel my membership, because when I click on this link there is nothing. I have tried this dozens of times for months. If you do a simple google search there are complaints about this. The only other option to cancel is to call. I have tried this, I am forced to wait on long holds and when I get an agent they can not speak english well and my hearing is already challenged. The agent gives these long unnecessary ramblings and attempts to solicit me more. I was frustrated and hung up. This seems like a CLASS ACTION. waiting to happen.
Consumer complaint received 2020-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/2019, Bank of America initiated a refund of {$1300.00} that I have overpaid for my credit card a few months before. The statement appears as CREDIT BALANCE REFUND DEBIT. Initially, I contacted the bank immediately after the credit card became {$0.00} and the bank assured that a check was on the way to my address. Unfortunately, I never received a check and since moved to a different address. I have contacted the bank a few months later and the bank assured that the money would be deposited back to my checking account. Nothing happened. I contacted them again this year, FOUR times in a span of two months, after forgetting about the problem. Most of the calls repeatedly assured me that the credit refund would be deposited into my checking account. Still, nothing happened even after the promised time period of two business weeks. The second last time I called, the rep said that the check was actually cashed out in XXXX/XX/XX/2019. I demanded a probe into the stolen check as I have never received any and there is no record of me cashing my check into any of my accounts ( BoA is my only bank ). Today I called again, after two weeks, and the rep said that he couldnt find the refund transaction because his record could only go to XX/XX/2019. In essence, BoA has taken the money and basically ignored my requests for checking into the issue. Most reps just replied with reassurances that my refund will be deposited into my checking, even though the lost/stolen check was already cashed by someone else.
Consumer complaint received 2022-06-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commercial Acceptance Company (MI)

On XX/XX/2022, I received a letter from Commercial Acceptance Company about a debt collection from XXXX XXXX XXXX for an amount of XXXX. It stated that I refused to cooperate and pay the debt with request to pay within 5 days, but I I dismissed this as I believed it was a scam as I have not used any services at all and do not live anywhere near XXXX XXXX XXXX. 

Sometime in XXXX, the debt appeared in my credit report. I submitted a dispute with XXXX on XX/XX/2022 stating that it was incorrect, but the result were found accurate after that. 

I contacted the company and stated the information above and they said to submit a police report as this may be identity theft. I looked further in my credit report and saw incorrect name and a New Jersey address in my report which is very incorrect as I have never lived anywhere near New Jersey. With this I re-submitted the dispute with XXXX on XX/XX/2022 to remove the debt and to remove the address and name that was incorrectly in my report. They remove the incorrect name and address, but still stated the debt as accurate. 

I submitted the police report on XX/XX/XXXX ( I was on vacation so couldn't submit it beforehand ) and sent the letter to the collection agency sometime in XXXX. I also submitted an identity theft report. 

As of now I have not received any feedback from this and the debt is still in my report. Not sure what next steps to follow.
Consumer complaint received 2022-03-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Carvana Group, LLC (GA)

Continuous errors on Carvana 's behalf. My vehicle is jointly owned. Originally, they only had 1 owner on all the paperwork. Caught that mistake, had to send all paperwork back out to be corrected. They've issued me a temporary extension ( tag ) which is not valid for the State of XXXX. I learned this via State Trooper on XX/XX/XXXX. The current extension is for the State of XXXX ( Their base ). Purchased my vehicle on XX/XX/XXXX. Its been 3 months and I have yet to receive my registration nor can they issue me an extension on my currently expired registration which means I have a car I am currently making payments on which I can not legally drive and I have been driving my vehicle without a valid tag for all 3 months. I am in the XXXX. The military does not take transportation issues as an excuse. Their solution is to have me continue to wait on the registration department and a {$500.00} rental reimbursement which will take another 45-60 to receive. {$500.00} doesn't even cover a rental for a week. The perfect solution would be my registration, expeditiously.
Consumer complaint received 2022-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (GA)

I requested a loan deferment in XXXX and resumed payments 12 months later. XXXX XXXX told me that the deferment amount ( principal and interest ) would be added to the end of the loan. 

I requested a loan payoff in XX/XX/XXXX. They gave me two amounts-the original principal remaining ( approx $ XXXX ) at 4.125 % and the deferred amount ( approx $ XXXX ) at 0 %. I sent in a payment for $ XXXX and the applied $ XXXX to the deferred amount and {$210.00} to the principal. Therefore, my new balance is $ XXXX that is accruing interest at 4.125 %. I believe they should have applied all the $ XXXX to the principal.
Consumer complaint received 2018-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion reported to a store application stated that I was dead or deceased. This is a scam to make me correct their stupidity, which I will not do. They are not intelligent nor correct. I got their letter dated : XX/XX/18 and the reason they give for my rejection of this card was : Your credit bureau report indicates you are deceased. 

I do not trust these people, and do not intend to do anything but report them to you for your investigation of them. Please assist me in getting this information out to the public, they must be a scam company out to make money off the public.