davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

XX/XX/XXXX - Started new job in Arizona due to losing one in Michigan XX/XX/XXXX Spoke with Bank of America Customer Service about options to sell home in Michigan XX/XX/XXXX Loan modification already done so transferred to me short sale department XX/XX/XXXX Sent letter of explanation to BOA as to what the intent for the property was XX/XX/XXXX Sent letter to BOA giving permission for them to speak with realtor XX/XX/XXXX Sent short sale packet to BOA XX/XX/XXXX XXXX ( realtor ) sent documents for signatures so he could list property as short sale which led me to believe BOA approved the short sale XX/XX/XXXX I called BOA regarding progress of short sale via short sale department XX/XX/XXXX I was informed BOA transferred our loan on XX/XX/XXXX to XXXX Mortgage XX/XX/XXXX I called XXXX XXXX  and was transferred to account department and told loan counseling department I had a realtor. I was told to send 3rd party authorization for realtor to speak with XXXX. XXXX informed me I had to start all over with short sale proceeding due to BOA not transferring any of the paperwork over I had sent in XX/XX/XXXX. 
I worked with BOA to get them the requested documentation in a timely manner. I was under the impression a short sale was underway considering the realtor was now involved, had contact with BOA and sending paperwork regarding seller disclosure. It was a great disappointment to find out I may have to begin the process all over again after being led to believe the home was listed already. I did everything in my power to get this taken care of by the end of XX/XX/XXXX. I was even contacted by BOA a few times regarding the account and I informed them the home was in short sale status. At no point in time did anyone from BOA inform me of anything different. It appears as though BOA dropped the ball on the short sale, failed to keep me informed of where we were in the process and then transferred the account without transferring the short sale packet I had sent as if absolutely nothing had been done with BOA for a short sale.
Consumer complaint received 2018-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

I've called Equifax on several occasions about my XXXX XXXX card and my XXXX card not being reported. Both of these cars are showing on my XXXX and XXXX  files. They have told me on several occasions to contact my creditor and to let them know that is not reporting and that it is not an Equifax issue. I did as I was told in contact with the creditors to let them know that you can fax said that they are only reporting one of the creditors send and the creditors told me that they reported every month to all 3 bureaus. They have even gone as far as submitting an emergency report to Equifax twice and it still is not reporting.  They have even allowed a creditors to report the same account twice on my report. I really need this to report on my Equifax report because I am trying to purchase a home and their negligence is preventing me from doing so. Please help me to get Equifax to resolve this issue immediately.
Consumer complaint received 2022-01-15
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. (MI)

I disputed unauthorized inquiries for not recognizing different lenders and I dont remember authorizing them to perform a hard inquiry on my credit report. And There are multiple other inquiries all within one day of each other on my credit report but I only authorized one of them. 

So i reported these unauthorized inquries to different credit bureaus but did not get any help.
Consumer complaint received 2018-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NY)

XXXX XXXX, XXXX from XXXX PA sent me a letter and called my house several times, claiming I have an account which is overdue. I ignored the phone calls. When I received a letter today, I checked my credit report and I called the bank associated with the dept and made sure I am not responsible for this account. I believe this is a scam. This company wants me to call them so they can get my information.
Consumer complaint received 2018-05-02
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One NA XXXX, XXXX XXXX XXXX XXXX XXXX, Utah. XXXX ( XXXX ) XXXX In regard to the company listed above, Capital One is reporting hard inquiries to my credit report each month which can be seen on my personal credit report from XXXX credit bureau. I do understand that I have a debt in collections as a " charge off '' with this company, however, I have not been making any inquires or contact whatsoever to this company which were reported on : XX/XX/XXXX- states " Reason Unspecified '' - address ID # XXXX XX/XX/XXXX -states " Reason Unspecified '' - address ID # XXXX XX/XX/XXXX -- states " Reason Unspecified '' - address ID # none available Capital One continues to make monthly hard inquiries account. I understand that the personal debt with this company also affects my credit report, But I have not had any contact with this agency in over 180 in order it for it to legally become a " charge off ''. I do acknowledge the last contact with this agency in regard to Capital One Auto Finance on XX/XX/XXXX, which is subject to be removed from my credit report until XX/XX/XXXX. However, I did not legally authorize or give any consent for Capital One to keep running Hard inquiries on my credit report which are listed above. Every month, of the year ; I receive 12 hard inquiries from Capital One
Consumer complaint received 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (CA)

I had checking account and charged from XXXX of {$35.00} for membership. I was given 90 days as trial period and I could cannel this within 90 if I did not like their products. 

Within 6 days member ship was cancelled and I had entire 90 days to cancel. Around XX/XX/XXXX was the last day to cancel membership. Cancellation dated email was sent on XX/XX/XXXX is not 90 days. 

Multiple banks I tried to open new accounts has been denied because credit reporting indicates I have not paid {$180.00}. 
My member ship was canceled within time allowed and I dont to pay anything to US Bank. The amount that I was supposed to be paid was {$35.00} and late fee and other charges has been added to come to {$180.00}.
Consumer complaint received 2022-08-26
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX Balance : {$5100.00} XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-05-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

Twice, this company has marked my account as " in deficit '' and sent my information to collections agencies, as a result of their own lack of organization in processing payments. 

My auto loan account has been set on automatic payments ( through my own bank, which is larger and more reputable than Fifth Third ) for several years. Every automatic payment has gone through without a problem, and yet twice already this year, Fifth Third has claimed they did not receive my payments. When I checked with my own bank, they were able to confirm that the checks had been sent on time, delivered on time, and cashed by the recipient. However, Fifth Third failed to credit my account and marked me delinquent. Without contacting me, until after they reported my information to collections. The first time it happened ( in XX/XX/XXXX ), they told me there was nothing they could do and refused to accept numerous forms of proof that the payment had been applied. To guard against this recurring, I set up my payments to have additional confirmation and increased the amount of payments to 20 % more than the monthly amount owed. 

This seemed to work fine for a few months, but again in XX/XX/XXXX they failed to credit my account and did not notify me until I began getting robo-dialed calls ( who promptly hung up when I answered ) during my vacation, about five times a day. I did a reverse lookup on the phone number and it showed up as Fifth Third Collections Department. I called the bank directly and asked to speak with someone who could explain what was happening. Their customer service phone system repeatedly dropped my call and I had to give my account information about five times before one rep promised to escalate the issue. He then placed me on hold for several minutes, and hung up on me. As previously, the reps could only tell me that they had no record of the latest payment and I had to pay a late fee on top of doubling my payment ( which I can prove had already been cashed by them. ) They offered no further solution, or any means of escalation, until I asked repeatedly. I had already checked my Fifth Third account online, and there were no prior messages, alerts or warnings that the payment had not been posted. Just a late fee, which had been applied two weeks after the payment was cashed.

Not only is Fifth Third clearly processing payments in a disorganized and unsecured manner, but their apparent standard operating procedure of sending accounts to collections without notifying customers or seeking solutions that won't negatively affect a customer 's credit rating is unethical and just poor business practice overall. 

When I tried contacting Fifth Third regarding this issue, several times, by phone and email, all I got was a form reply telling me that I could contact Collections to pay my bill.
Consumer complaint received 2022-02-17
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2020-07-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I obtained a mortgage w Bank of America in XX/XX/XXXX, interest rate was 8.875 % when I bought my house. Due to the price of the house, this was deemed a second mortgage w/ 15 year terms. For the past 14 years I have tried to refi but could not due to housing crisis. In XX/XX/XXXXI was able to modify the mortgage. During this process, I repeatedly asked BoA what the new interest rate would be, and no one was able to provide this, claiming it would be done in " underwriting ''. The new modified mortgage packet arrived- with the same 8.875 % rate in XX/XX/XXXX! I put a cover letter on the closing documents, indicating this and that I only was ONLY signing the first page AND, ( DID NOT SIGN ANY OF THE CLOSING DOCUMENTS ). They pushed it through without signatures, and DID NOT LOWER THE PAYMENT in the modification. I have wrote letters to BoA CEO, XXXX XXXX reporting this and requesting a ( retro active ) adjustment from the start of the modification. Mr. XXXX XXXX is assigned ; he took a copy of page 1 w/ my signature, and wrote I needed to refi the loan, ( costing me even more money ) and ignoring that Bank of America is not in regulatory compliance without my signatures. ( *The mortgage of {$1000.00} is {$760.00} in interest and {$240.00} in principal- this has been going on for 14 years. ) The payment and the interest rate was not lowered in the modification.
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My credit score on XX/XX/2021 was XXXX. 
My credit score currently has been dropped by 83 points to XXXX. 
Nothing material has changed on my credit report to cause this action. 
For example, due to COVID-19, all loans in forbearance, deferred to the end of the loan upon exiting forbearance, resuming regular payments, with all payments continuing to be current, under the CARES act should not cause this action as informed to me by the banks. 
I have asked the company to restore my credit score back to XXXX. 
This is yet to be done.
Consumer complaint received 2018-04-28
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: CITIBANK, N.A. (WI)

I purchased a Toolbox online combo ( upper, middle and bottom ) Toolbox. The Toolbox was not heavy enough for my needs. ( I am a XXXX ) I ordered another combo Heavier than the first one. I returned the first one to the store where I picked it up. ( saving shipping fee ) The credit was first put back on my card but was taken off again saying that I did not proof it was returned.The store said that they wanted proof it was paid for after repeated times to resolve this I keep getting the run around. This was a SEARS MASTER CARD.

I ended up getting a loan to pay this card and another card off.

( sick of dealing with the XXXX XXXX  ) The amount that should be returned is {$320.00}. Before this SEARS tried to take {$500.00} off my card but ended up putting it back on.The SEARS store where I picked up the Toolbox combo is not help ( just making it worse ). I have reached the end of patience with dealing with SEARS. I would like to get the amount of {$320.00} back. I closed the account so no more funds be stolen from me but that info is still on my computer.
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF THE WEST (NY)

I applied for a home equity loan and was denied. Reasons, serious delinquency, excessive amounts past due on accounts, time since delinquency is to recent or unknown. Further investigation revealed that XXXX had made errors and never closed an account that I was burglarized on. They ran up the fees and closed the account for non payment unbeknownst to me. They gave me a letter stating such mistakes. They will not give me a refinance loan due to there errors. Im stuck paying a high interest mortgage. They claim that I have to fix the errors with the credit bureaus. They caused financial stress and turmoils due to there inaccuracies and failures to remedy it. Furthermore, there banking app has flaws which I brought to there attention. It does not report all scheduled payments. I feel so helpless fighting a big bank. Ive spent 30-40 hours being redirected to a department who cant help me. Im at such a loss how an institution can get away with this. Ive been a customer for 23 years and have had my mortgage with them for 16. I apologize for not keeping a lot of money so I can receive better service, but I figure most cant. I have less then 10 % debt to income ratio, an excellent credit score until I paid off most of my credit cards and my score dropped. Im on a XXXX income from the XXXX. They also denied me stating I dont keep a high enough balance. They also state that I have excessive obligations in regards to my income. My financial obligations only account for 25 % of my income. They are also stating that my recent credit score which  dropped to XXXX was to low for them. This has to be illegal or some type of financial biast for many different reasons. I doubt a lawyer would represent me because XXXX will just prolong the case. It would not be financially feasible for an attorney to handle it. 
They are also technically financially responsible for any interest rates that I was given because of there inaccuracies. There has to be accountability. I pay my bills on time and work very hard being financially responsible in XXXX. They are burdening my financial load especially through these tough financial times due to the pandemic.
Consumer complaint received 2017-09-22
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. (CA)

In view of the EQUIFAX breach, I ordered free copies of my 3 credit reports. I had no problem with XXXX or XXXX  but Equifax refused to give me an online copy. 
Instead they suggest I send all my personal identification information to them VIA MAIL! 
This is ridiculous. I 'm certainly not going to send my personal documents only to have them sit on someone 's desk for all the world to steal! 

I want to find out if I was a victim of the Equifax hack but ca n't because of the company 's incompetence.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX is a XXXX agency and has reported to all XXXX reporting agencies false info. Both them and the XXXX have failed to provide the XXXX and or Bases for the XXXX. All XXXX agencies have reported derogatory information based on this lack of communication. ONly XXXX has motivated them to retract the negative information and or collection. Still the derogatory history remains on my credit. please assist. I can send you the pdf of XXXX response.
Consumer complaint received 2018-07-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (OR)

My phone was stolen, and my PC drive went bad in the same week, so I lost my saved authentication methods. There is a process to validate your identity and regain access to your account by scanning your photo ID, etc. My photo ID says " XXXX XXXX XXXX XXXX ''. My account says " XXXX XXXX ''. There was no mention at the time of account creation that my account name had to match my photo ID. 

XX/XX/18 - opened Case # XXXX with phone support XX/XX/18 - I emailed coinbase to check the status XX/XX/18 - they sent me the same pre-written " your case has been escalated '' email, with no further instructions are projected date of resolution XX/XX/18 - they sent me an email with a link to verify my ID. This was extremely insulting, as the reason I opened the case is that their method of ID verification can not work when your name does not match your ID. 
XX/XX/18 - I called them, re-explained the issue and why the link they sent me is not useful, and they assured me " my case has been escalated '' for the umteenth time.