davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NC)

During COVID, my uncle fell ill and has since been moved to a facility to assist with his medical needs. During his XXXX XXXXXXXX, the family was not aware of the situation concerning the mortgage of the home that he was living in. The home that he resides in is Estate property that he has been managing since the death of my grandmother ( 5years ago ). We became aware of the default on the mortgage after he went to the facility when I read the foreclosure and notice of sell in the local paper. 
We immediately started attempting to contact the Attorney listed on the notice who said " anyone could pay the bill '', but no one could guarantee that this would stop the pending sale. We have tried to call the bank, but they continue to tell us that only the " authorized '' person on the account could speak with them. This caused confusion because the account is assigned to the " Estate of the deceased ''. The bank wouldn't tell us who the " authorized '' person on the account is and continues to stonewall phone calls to handle the matter of the mortgage. After we called the attorney, they said the sale was delayed due to the COVID moratorium and would be rescheduled for XX/XX/XXXX. We have tried every option to communicate with the bank and the attorney to settle the account, but have been denied any level of details about the mortgage. Their only interest is in selling the home that has been in our family for years instead of working with the family to prevent the sale to an outsider. We are willing to settle the balance, but no one ( the bank or attorney ) will talk to us about the balance details. PHH Mortgage and XXXX XXXX XXXX are trying to steal the home away from us during the pandemic without offering any options to help my XXXX uncle or family prevent the sell. The penalties, interest and fees continue to accumulate to benefit no one but the mortgage company and the attorney 's office. There was only a very small balance remaining, but now the attorney and bank fees have almost doubled the amount of payoff. This should be illegal and unethical. We have been attempting to get details concerning the account for the past 2+ months with no success. The bank has just been delaying speaking to us until the end of the COVID moratorium and now we have only days before they try to sell the home. If we could get more information about the payoff balance then we would be able to move forward, but at this point we don't know the status of the insurance, taxes, mortgage balance, etc. so it's difficult to work with a bank whose only goal is to sell the home and not work with the family/homeowners.
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (TX)

unlawfully garnished the accounts Financial institution for processing illegal, out-of-state garnishment orders against its my bank account. Financial institution unlawfully froze my account, garnished funds, and sent payments to fake creditors based on out-of-state garnishment fake court order. Its a fake order because it was not a judge or real court meaning being recognized by the state constitution. There is not proof that a real court order exist, a real judgement and writ of execution to collect a debt does not exist. All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. Also the program that claimed to be creditors are not listed as debt collectors and not registered with the Secretary of State of Florida to do business or to be able to collect a debt. They did not credit me anything, they have not validated any debt or given any consideration to I. XXXX will not allow a statue to be used as a cloak for fraud. 

Unlawful garnishment that has injured me and caused involuntary servitude. Financial institutions cooperation with corsairs ( con-artists ) at the expense of me. Also if debt can only be paid with gold and silver according to the article 1 section 10 of the u.s. constitution why did that take currency from my account. 

garnishments that are usually designed to make sure people have money left to live on following garnishment. Financial institution left my account balance was left to zero balance. 

I do not ingress in florida where the fake order was established.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account names : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  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 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 2019-07-24
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: Experian Information Solutions Inc. (IL)

I AM A VICTIM OF ID THEFT. I HAVE PROVIDED THE NECESSARY DOCUMENTS TO BLOCK THE INFORMATION FROM BEING REPORTED HOWEVER, THE CRA 'S REFUSE TO BLOCK SAID ITEMS LISTED.
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

My XXXX and Equifax hard inquiries keep reporting double or triple in the same months I never checked until recently because I didn't think they mattered I have inquiries from credit cards I already have saying that I keep reapplying for them when I'm not it keeps showing that I'm applying for Mortgage services only on Equifax and not XXXX even though I'm not even trying to purchase a house I don't know how else to put a stop to this I keep trying to mail letters but nothing is getting done
Consumer complaint received 2019-07-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX  ; Experian and XXXX  are reporting incorrectly 30 90 plus days late, as well as a Repossession on the XXXX partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account is in good standing ; I have possession of the vehicle ; and there have not been any missed payments. I have also attached a copy of my Receipt from XXXX XXXX dated XX/XX/2019 reflecting my XXXX, 2019 payment. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful. This incorrect reporting and coding is harming my credit score and this line item needs to be corrected.
Consumer complaint received 2019-07-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX ; XXXX  and Transunion are reporting incorrectly 30 90 plus days late, as well as a Repossession on the XXXX partial account number ****XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account is in good standing ; I have possession of the vehicle ; and there have not been any missed payments. I have also attached a copy of my Receipt from XXXX XXXX dated XX/XX/2019 reflecting my XXXX, 2019 payment. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful. This incorrect reporting and coding is harming my credit score and this line item needs to be corrected.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NV)

I have been calling Equifax on the following days trying to get my simple credit report. 

XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Their staff either doesn't understand XXXX or makes mistakes & I've wasted at least an XXXX  of my life each time I have called. 

I was told my report was snail mailed to me XXXX weeks ago. I never got it. Then I get some letter saying I disputed something when of course I didn't because I NEVER got my report, so how can I dispute something I never got. This is how stupid they are. 

First I couldn't get an online account created over & over ( at least XXXX  times ), then I had to fax them my ID twice. 

Even AFTER they had my ID, the online account couldn't be created & a password reset wouldn't work over & over. 

This last time I spoke to a manager, she made me jump through hoops telling me I didn't have an account when I knew I did, then put me on hold because the p/w reset didn't work & then just disconnected the call to the survey after I was on hold for XXXX mins. 

I'm LIVID. 

I needed this report back in XXXX, we are now in XXXX. 

I give up on dealing with their incompetent staff & terrible online site that doesn't work.
Consumer complaint received 2018-06-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

I make my credit card payment on the due date every month, which I always take a screenshot of, and I still am charged a late fee that has gone up several dollars over the last few months. When I called to find out why this was happening, I was told that the payment had to be made by XXXX Central time ... ... WHAT?!?!? Oh but, if I payed by phone it was a different time, and if I went directly to the store, it was a different time as well. What the heck?!?! Really???? Ive NEVER had this issue paying my bills on the due date! And then their customer service agent told me I was redicilous for making a payment without actually looking at my statement ... ... .... since when does a due date actually have a time limit??
Consumer complaint received 2017-07-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (WI)

I had a dispute with XXXX XXXX XXXX in regards to the accuracy on my credit report. I had wrote a certified letter on XX/XX/XXXX to them requesting validation with signature. They sent paperwork but never put it on my report that i was disputing it within those 30 days. I sent another letter on XX/XX/XXXX in regards to it and are still reporting it on my credit report when it is against the law.
Consumer complaint received 2022-01-12
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2018-05-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I disputed with the company XX/XX/XXXX. The company received by disputed according to certified mail. It is now XX/XX/XXXX and I have yet to have the information actually verified. I have filed a report with the FTC regarding the information being incorrect. Individuals obtained credit in my name without my authorization. Those negative remarks on my credit history has made it impossible to obtain new credit.
Consumer complaint received 2019-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NC)

In XX/XX/2019, I applied for and was approved a Home Depot credit card. I made a purchase in the amount of {$130.00}. On XX/XX/2019 I received an account statement in the amount of {$160.00}. The breakdown was as follows : purchase {$130.00}, late fee {$29.00}. interest {$3.00}. I wrote a check on that date ( XX/XX/2019 ) in the amount of {$130.00} along with an explanation that this was the first statement I had received and that I had not received a prior statement for only {$130.00}. I requested the fee and interest be subtracted. 

Since that submission, i have receive several account statements for late fees and interest on the original purchase which have increased to a total of {$100.00}. 

My statement is that I did not receive an original statement for the purchase less fees and interest ; therefore, can not be expected to pay more that the amount of the original purchase.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible.

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2019-06-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

When I found out about the fruad and problems on my bank statement in XXXX of last year, I called the Bank of America to complain about my cloned credit card. They said that they would investiage it. They then refunded to me only a few of the credit card fraudulent charges and they refused to credit me the XXXX XXXX store charges. They asked me to file a ploice report, which I did late last year after getting the run around by the bank officials. After six months of calling and begging them to refund my money, they told me that it was too late to refund my money. But I feel like I have been victimized twice, first by the XXXX XXXX stores in XXXX, and second by the Bank of America officials. The money was supposed to be used to pay for my daughter 's school fees, but we had to borrow the money for her school fees. I have all the fraudulent charges with my bank credit card but the bank refused to listen to me for twelve months. I feel like my back is against the wall with the Bank of America. XXXX XXXX has given me the invoice for the stolen card charges, but the Bank of America officials would not even listen to me and they want me to just forget about it. But this is my hard earned money like everyone else. Please ask the bank to refund my money. I do not have the money to hire a lawyer, so I need your help to fight the big banks in the recovery of my money. 

Thanks so much, XXXX XXXX XXXX
Consumer complaint received 2022-01-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

I have contacted Toyota financial services about removing extended warranty on my new car loan. They ask that I sent a letter to remove the items, I did and called back a month later and they said they never received it. I then asked if I could fax the letter and I did they agreed they would remove it from loan within 5 days. It has now been another 2 weeks and the amount has not been removed from my loan. They are attempt to stall to get to 90 days and I am fed up. Each call was 1 to 3 hours on the phone.
Consumer complaint received 2022-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm XXXX XXXX, and I value you setting aside some margin to delete a portion of the data in my credit document ; notwithstanding, there are still a few records that require deleting. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I need these items will be deleted immediately. 
XXXX XXXX XX/XX/XXXX XXXXXXXX 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 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (PA)

XX/XX/2023 got a letter stating someone tried opening a chase freedom credit card in my name, wasn't me. Called chase canceled the app and they sent me to this site to just get you guys involved incase anything else 's happens that isn't me
Consumer complaint received 2022-01-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (NM)

I purchased {$1200.00} concert tickets from XXXX on XX/XX/2021 through Affirm ( installment plan ). I was supposed to get these on XX/XX/2021 but I never did. I paid Affirm in full amount on XX/XX/2021 however I did not get the tickets at all so I disputed this with my bank. XXXX XXXX XXXX XXXX provided me with a temporary credit ( they gave my money back ) while investigating the case. Now, Affirm is saying I have an outstanding loan with them. I have been going back and forth talking to Affirm agents telling them I NEVER RECEIVED my tickets. I contacted XXXX via email ( because I can never get a hold of someone over the phone ) and they responded to me saying I should contact Affirm with any inquiries.
Consumer complaint received 2023-04-03
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. (KY)

On XX/XX/XXXX I contacted XXXX XXXX XXXX to negotiate a debt. I attended XXXX XXXX University  during XXXX and dropped a class within the drop period. XXXX billed me for the class anyway. I dropped the class over the phone so I can not provide proof that I was within the approved time frame. I disagree with this debt entirely, but I was denied for a business loan because of this collection account. XXXX XXXX XXXX agreed to accept {$1900.00} to pay for delete from my credit report. I've filed several disputes to have this account updated to paid and removed as a collection account. All three bureaus have denied my requests saying that XXXX XXXX is reporting this account as unpaid.
Consumer complaint received 2021-07-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (NC)

Loan was paid off in XX/XX/XXXX. Fees are being charged to my bank account that have no basis after payoff. This is the second time, once in XX/XX/XXXXand once in XX/XX/XXXX. The bank says they dont know why and in fact see no record of it.
Consumer complaint received 2023-01-12
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. (TN)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX, National Credit Adjust # XXXX, XXXX XXXX XXXX # XXXX, XXXX. # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX  # XXXXXXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  # 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 which I have not furnished.
Consumer complaint received 2023-01-12
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: Affirm Holdings, Inc (OH)

I contacted Affirm before my due date on XX/XX/XXXX and they told me to apply for the hardship program. 
I have tried applying numerous times, which they said they could see, but their website and app keeps timing out and making it impossible to submit anything for their hardship program. 
This was elevated to some kind of customer service on XXXX and they said it would take XXXX business days. 
When I didnt hear anything by the XXXX, I emailed them again. They have not responded back and its now XX/XX/XXXX. I feel that they are purposely ignoring my requests and theyre collecting late payment fees onto my account and now Im XXXX  days past due and getting closer to them reporting to the credit bureaus that Im late when Ive been asking for their help for over XXXX weeks.