davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-27
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (MD)

We accepted an offer on the purchase of our current home on XX/XX/XXXX. We were told the buyers were approved for the agreed purchase amount through a USDA backed program. A settlement date on or before XX/XX/XXXX was targeted and agreed upon by all parties. On XXXX we were told appraisal came back at contracted price with no repairs & file from the lender was being sent to USDA that day. We were told to be prepared to be out of house & close XX/XX/XXXX. We rented a storage unit & spent holiday weekend moving out. We purchased & scheduling deliveries for appliances & furniture for new home. On XX/XX/XXXX we were told there had a been incorrect information. Paperwork NOT filed with USDA. Told buyer had a XXXX and was slow to turn in required documentation. Settlement postponed to unknown time. We spent a lot of time and more money postponing/rescheduling deliveries and rescheduling deactivation of services at current residence and new services at new residence. We had to extend rental agreements for storage. We required daily updates from buyers team in extension contract. Updates were not received as agreed- vague and late. Our realtor reported having to request multiple times some days to get update. We couldn't get a clear date/time, plan, or explanation about what problems were. suspicious there was something more than USDA back log. Our extension expired XX/XX/XXXX. Were told conflicting information about USDA processing time but to plan for closing sometime week of XX/XX/XXXX. We were told it was rare for USDA to not approve a file. We were encouraged to move out again and also arrange for utilities, mail, appliance delivery etc at both residencies. On XX/XX/XXXX at XXXX, we were informed the USDA did NOT approve the application and that more documentation was required by buyers. Believe there is risk that this couple is not qualified. Spent XX/XX/XXXX and XX/XX/XXXX moving back in and once again, establishing/canceling services, delivers etc. spent hours on the phone with utility and post companies. Had to reschedule XXXX year old sons birthday celebration and spend time at home waiting on XXXX to fix re-connection issues.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (IA)

My identity was stolen. XXXX and XXXX immediately allowed me to place a credit freeze on my credit reports. Equifax refused to put an immediate credit freeze on my credit report. They said I would have to wait several weeks to get this done. This is ridiculous as it allows the identity thief to continue to open accounts under my name ( via Equifax only ). Consumers should always be able immediately to freeze their accounts when requested.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account XXXX : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 2019-07-27
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. (NV)

I am not responsible for paying the accounts..I do not owe this debt nor the accounts UNKNOWN XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX , XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX.. I am extremely concerned about the actions the credit bureaus are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I NOTICED ACCOUNTS ON DISPLAYING ON MY CONSUMER REPORT THAT ARE A VIOLATION OF MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED IMMEDIATELY.
Consumer complaint received 2019-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (FL)

I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

XXXX has reclassified several paid accounts with XXXX balances as charge offs after being paid with by a student loan consolidation years ago.
Consumer complaint received 2016-03-18
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc (PA)

When I moved from the XXXX to the USA, I was informed by PayPal that I would have to open new account - I could not transfer my XXXX account. Upon opening my new US account, I was told that because I was a new customer, a hold would be placed on any balance over {$1000.00}, because I was a new customer. I had not been informed of this on opening an account, only when I tried to withdraw my balance for the first time. Because I run my business through PayPal, this was a considerable inconvenience, so I called to find out what was going on. It took me several long and expensive phone calls before anyone would tell me why I could not withdraw my balance. I was told that the limit on my account was because I was a new customer, but no one could tell me how long I would be considered a new customer for, when the limit could be lifted, how often the account status would be reviewed, or where I could get more information. After struggling with this issue for several months, losing considerable business along the way, PayPal pressured me into opening a business account as a way around the issue of the limit. Since then, i have had issues claiming and withdrawing payments made to me in XXXX. When I have phoned PayPal for assistance, I have been told that there are technical issues, but no one can tell me when they will be resolved and how soon I will be able to access my funds. I am always placed on hold for at least 30 minutes, and all of the phone calls above have lasted over an hour - not only is this very expensive, but I never get any help from the phone-calls anyway, making them a waste of time and money. The representatives I speak to refuse to give me information on how I can make a complaint, and frequently attempt to get me off of the phone before my problem is resolved. I have since learned that PayPal is being sued for issued relating to illegal holds on funds as described above, but sadly my issued occurred after the period of the claims - suggesting that PayPal is continuing these illegal practices in spite of the previous complaints and actions. If I did not depend on PayPal to run my business, I would want nothing more to do with them - but I sadly do n't have that option. I would, however, like PayPal to be made to recompense me for the poor service, inconvenience, lack of customer support and information, time-consuming and expensive fruitless customer service calls, and damage to my business over several months. I want them to know that their service has been appalling.
Consumer complaint received 2019-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (WA)

On approximately XX/XX/XXXX I notified Citi Cards of a purchase made at a questionable site. For safety I used a Virtual Credit Card number provided by their web services while logged into my account. The purchase was approximately 30 days prior to this date, I ordered a laptop at a great price and on XX/XX/XXXX I received sunglasses instead of the laptop. 
I contacted Citi, deleted the virtual card and started a charge back as the site was now being clearly flagged as fraudulent XXXX On XX/XX/XXXX I found that my XXXX XXXX could no longer log in to get my three credit card balances from XXXX - I tried signing in and could not sign in, could not recover password. 

I called Citi and was told they are unsure what's going on, even questioned that I had ever signed into the XXXX site as they could not find a login for me - yet I had been using the site for years. 

The next Monday I was called to be told that due to the potential fraudulent site where I used a secure virtual credit card number, they had deleted my login preventing me from accessing any of my three major credit card details. 

At this point I can't see what charges have been used against my card, I can not check the status of the charge back, I can not make or schedule payments. 

I was told that it would take 14 days for them to restore my access - as of this writing I have been unable to access my account for 21 days. 

Multiple contacts with Citi reaffirms their recover of a user account deleted by their action takes 14 days. This is unacceptable - the account is less secure as I can not see the charges, I can not make payments on any of my active three credit cards. 

This brings into question their disaster recovery story - how can it take a business more than two weeks to recover any aspect of an online service? 

Due to my many XXXX begging them to do their jobs and restore my access they have reminded me that I can pick up the phone and make payments to them over the phone. This defeats the use and history of me managing my account for years via the web site. It also would make me have to surrender my checking account number to them over the phone - more great security issues for Citi.
Consumer complaint received 2019-07-27
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: Bread Financial Holdings, Inc. (CA)

I closed my Virgin credit card account ( # ending with XXXX ) managed by Comenity Bank in XXXX. On XX/XX/XXXX, I received a bill from Comenity Bank for {$2200.00}. I. called the bank and they acknowledged that the account in XXXX was closed and could not answer why they accepted charges on the account in XXXX. 

The bank opened a fraud claim and asked me to sign a document that said I might pay the charges if I did not cooperate with them. I told them I would not sign anything that implied I take responsibility for these charges. I offered to sign a statement that disputed the claims but did not include language about me accepting ay responsibility for these charges. I also filed a dispute with XXXX. Comenity refuted my dispute with XXXX. 

I received a letter dated XX/XX/XXXX that informed me they found no basis for my claim. On XX/XX/XXXX, I received a statement showing a {$0.00} balance. I then received an email dated XX/XX/XXXX, stating I owed {$2200.00}. Comenity Bank continues to acknowledge these charges were placed on my account AFTER it was closed. 

I placed a call to Comenity Bank 's fraud division again on XX/XX/XXXX at XXXX XXXX. I spoke with XXXX. She confirmed the account was closed in XXXX and the charges were placed on my account in XXXX. She could offer no explanation as to why this was done.
Consumer complaint received 2021-02-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY (NJ)

We received a call from a debt collection company, XXXX XXXX XXXX, which stated that I owed an overdraft balance from TD bank. I wanted to receive documentation that validated my debt and the representative refused to answer my questions and would constantly over talk me. She stated that I did not need to have her name and was questioning why I had not paid my debt and that it would be reported to the credit reporting agency. She told me that the call was being recorded and I stressed that I would not validate any information until I received a validation of debt letter, which she refused to answer.
Consumer complaint received 2018-05-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX, VIRGINIA XXXX XXXX LOAN NUMBER -- XXXX MORTGAGE COMPANY - FRANKLIN MORTGAGE XXXX ARIZONA DEAR SIR/MADAAM I HAVE BEEN TRYING FOR TWO ( 2 ) MONTHS TO GET AN OVER PAYMENT OF MY REAL ESTATE TAXES IN THE AMOUNT OF {$700.00}. THAT ARE DUE TO ME AS A RESULT IN THE LOWERING OF MY TAXES IN VIRGINIA. I HAVE ASKED 5X WHERE MY REFUND CHECK IS AND THEY KEEP TELLING ME NEXT WEEK, NEXT WEEK. i HAVE SPOKEN TO A SUPERVISOR ABOUT THE PROBLEM, XXXX XXXX AND HE SAID HE WOULD SEE THAT IT WAS MAILED TO ME AND IT HAS NEVER COME. I HAVE LEFT OVER 6 MESSAGES FOR XXXX XXXX AND HE WILL NOT RETURN MY PHONE CALL, I HAVE TRIED TO REACH A MANAGER AND THEY WILL NOT LET ME SPEAK TO ONE,. THIS IS VERY FRUSTRATING, I AM A XXXX XXXX XXXX FROM THE XXXX XXXX XXXXXXXX VIRGINIA AFTER 28 YEARS AND WAS A XXXX XXXX AT THE XXXX ON XXXX WHICH HAS NOW LEFT ME XXXX XXXX  XXXX. I WAS HONORED BY XXXX XXXX IN XXXX VIRGINIA FOR MY SERIVE IN XX/XX/2001. THIS ORGANIZATION HAS VERY POOR CUSTOMER SERVICE AND MANAGEMENT SHOULD BE AWARE TO TAKE CORRECTIVE ACTION. PLEASE HELP ME GET MY REFUND CHECK ASAP.
Consumer complaint received 2019-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XX/XX/2019 Hello CFPB Agency and Good Day. 

Bank of America retired their online " ShopSafe '' " virtual credit card number '' service on XX/XX/2019. 

My credit information was confirmed by XXXX to have been leaked in the XXXX  data breach. 

I use the Bank of America " ShopSafe '' " virtual credit card number '' service to ADD A LAYER OF SECURITY when using my credit card online by choosing to expose ONLY a user-specified amount of my full credit limit combined with limiting those funds to be available for ONLY a user-specified period of time. 

Removing a consumer 's ability to voluntarily ADD A LAYER OF SECURITY when using their credit card online seems to run against common sense when we are already acutely aware of the growing number and magnitude of data breach and identity fraud events. 

In some ways, providing consumers with the ability to ADD A LAYER OF SECURITY when using their credit cards online kind of resembles " two-factor authentication via email ''. It's SIMPLE. 

" ShopSafe '' is not an elaborate system, but enables online credit card users to add a measure of credit card restrictions and limitations by shielding the credit card number, by limiting the transaction dollar amount and by limiting the time period that dollar amount is valid. 

I can find no equivalent program for using my credit card online that provides these same customer voluntarily-selected credit card restrictions and limitations features. 

I hope that within the CFPB agency there are those who are aware of how to provide the consumer with voluntary methods to ADD A LAYER OF SECURITY when using credit cards online as well as HOW TO PRESERVE the customer 's ability to do this. 

The seemingly arbitrary termination of this credit card security enhancement program ( in use for over 20 years by Bank of America ) does not seem justifiable, especially from the very bank that offers the ShopSafe program ( BofA ) on  the credit card that they ( BofA ) issue. 

This takes on increased urgency especially with awareness of increasing number of data breaches and Identity fraud. 

Please tell me if you are aware of methods, programs or services I may use to ADD A LAYER OF SECURITY when using my credit card online. 

Thank You for your consideration and for your help. 

Respectfully Yours.
Consumer complaint received 2019-07-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES (TX)

My ex husband was awarded the property in our divorce. Although he was awarded the house in the divorce, he has never transferred the mortgage loan to his name and apparently has no intention to. The loan is in my name only. His name does not appear on any documents on this loan. However, Im sure he has some rights because his name is on the deed. The loan is in default for non payment and set for foreclosure. My ex is now going to modify the loan which Provident is telling me he can do without my consent. Once again, his name is nowhere on this loan and never has been. Provident is going to let him modify this loan for the second time without my consent! 

I contacted Providents legal department about a year ago because my ex kept changing the contact information on the account and eventually blocking me from logging in to the online account. I was told by the legal department that he could call in and change contact information but it was illegal for him to block me from access to the online account. I have set up a call in password and requested that it be asked for every single time a call is made. Sometimes they ask and sometimes they dont. We went about a year with no changes to the account and I was able to log in and keep an eye on all activity. Just recently I tried to log in to the account and was denied access. When I called Provident I was told that all the information had been changed by my ex. AND that it was perfectly legal! 

Provident Funding continues to report negative activity against me to the credit bureau. 

Please advise me how to elevate this complaint as it is clear that Provident violated their own privacy policy.
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Payfare International Inc. (MN)

Since a new ATM replaced the broken one at a FREE ATM location at a XXXX in XXXX, MN the XXXX XXXX  debit VISA card has been charging me an ATM fee of {$2.00} for the 4 times I used it despite it saying its a free ATM and it never charged this before the machine was replaced. XXXX XXXX has only reimbursed me once so I am still out {$7.00} and they refuse to resolve this. The employees are extremely rude and just say they wont fix it and then just hang up on you over and over again. I filed a complaint with the XXXX XXXX XXXX, but they claim its out of their scope without giving reasons why. There should be a class action lawsuit for defrauding customers, stealing from them and committing bank fraud. I reached out to the XXXX ATM regarding this ATM charging a fee when it is supposed to be a free ATM and while they said they would send someone out to see if it needed an update to resolve such an issue, the issue was never fixed and it is still listed as a FREE ATM and it is still charging me {$2.00} every time I use it. 

On XX/XX/23 I was charged a {$2.00} ATM fee at this FREE ATM & on XX/XX/23 I was charged a {$2.00} ATM fees at XXXX free ATM in XXXX and again on XX/XX/23 XXXX  card provided by XXXX XXXX  and sends the money I earn to this debit card charged me a {$2.00} fee when the XXXX app says this is a FREE ATM. The company is impossible to work with and have no desire to follow through on their promise when an ATM is supposed to be free nor any desire to fix the problem going forward for this not to keep happening?! Its so infuriating and frustrating and false advertising fraud! Its theft, thievery!
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX PURCHASE INTEREST FREE for 12 months XX/XX/XXXX, Mattress OWE, {$1000.00}, Experian {$2000.00}. XXXX, Bedroom Set .OWE {$2500.00}, Experian {$5100.00} XXXX Dining Room Set Owe, {$1300.00}, Experian {$2600.00} Total I owe is {$5000.00} Experian shows {$9700.00} The high balance on Credit Report is preventing me from getting home equity loan to pay the XXXX   loan off before interest in accrued. The correct amount needs to be reported correctly by XXXX to all three Credit Reporting Agencies. XXXX, XXXX  and Experian. The Correct Amount owed : {$5000.00} Not owed {$9700.00}