davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-21
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 (CA)

Three major problems : 1 ) When calling the bank its extremely difficult to navigate the system to get help with a live person. It keeps saying I don't understand. Then you have to wait on hold for an absurd amount of time. They won't call you back like alot of businesses are doing now. You just have to wait on hold and listen to this person repeating and talking constantly. Its crazy.

2 ) On the mobile app. you can't see more than a few transactions for your credit card. So I can't determine if I got a refund on a purchase. Or see more than a day or two of purchases.

3 ) Terrible bank they do very little to help on anything. I went to the bank and the line was down the block!!!!
Consumer complaint received 2021-11-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have a second mortgage and not able to afford to pay the payment because of their interest rate 13.5 % and requested them to modify the loan because of the hardship. I submitted all the required documents to them but they never try to help us. Since the our will be expiring soon we decided to sell the property and settle them its been 5 months we listed the property for sale but we have not received a single offer. I contacted them again if they can try to help us to settle or any payment option they can provide but the said they are options available right now for me.
Consumer complaint received 2020-12-04
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/2020 I went to XXXX XXXXXX/XX/XXXX, I wanted to buy a bed, bed they sale are very reliable, excellent, last long time and also very expensive. I was very excited about buying a bed from them. One of sales representatives of XXXX XXXX describe and ask me if I wanted to try the bed, so I did. Everything was going great, then he asked me " which bed I liked the most? '' I said I really liked the XXXX and asked for a quote, total came out to be around $ 4k, for the mattress, frame, and all the bells and whistles. When I was analyzing the quote, the sales rep approached to me and told about a great offer that they have, he verbally said " Right now you can finance your bed at 0 % for " x '' amount of time, first payment is going to be until next month and obviously I have to run your credit and take your info to put it in the system to make sure if they approve you ''. Sales rep was doing everything so fast plugging in my information, which I approve to use, finally he finished submitting the application and it did not take even a minute when he said, " hey you got a approved for x amount you can finance the bed at 0 % interest for x amount of time ''. He asked me to sign next to the X in the pin pad, ( nothing was showing in the pin pad but an X and a line to print my signature ) so I signed. Sales rep did not gave me disclosures, he gave me the receipt and done deal. Now as of today that I want to use my XXXX XXXX credit card to buy somewhere else, outcome is that I can not use it but only at a XX/XX/XXXX, comes out to be that this credit card is specifically to use atXX/XX/XXXX If the sales rep would have explain that I could only use theXX/XX/XXXXcredit card in XXXX XXXX XXXX, I would have never apply for this card. now I have to be stuck with a credit card that is useless because of the fact that it is an in store credit card, my credit took a hit, and have to live with a credit card because of a sales rep need to sell a bed " forgetting '' to print and show the disclosures to me. If a credit report is pulled from myself you will notice that I dont have in store credit cards, but this one, and that is because to me in store credit cards are not good, they only allow you to buy at that specific store. in that cases what I would have donde is just use one of my other credit card to buy the bed and finance it with my current credit issuer if the disclosures were properly explained to me. Consumer Credit Protection Act, protects me as a consumer from things like this. This credit card is in partnership with Synchrony Bank, I strongly believe that if companies are going to do partnership they have to ensure and trained everyone who is offering their products, because at the end of the road this people represent their company.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to dispute a fraudulent account on my credit report that I did not authorize or consent to. Upon reviewing my credit report, I discovered the following unauthorized accounts : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX  Date Opened : XXXX XXXX Outstanding Balance : {$1800.00} I want to emphasize that I did not open or authorize any of these accounts. I am a victim of identity theft, and I request that these fraudulent accounts be removed from my credit report immediately. 
Also there is an account that should no longer be reported on my account based on Title 15 U.S. Code 1681c ( a ) ( 4 ) 1. 
- Account Name : XXXX XXXX - Account Number : XXXX  - Date Opened : XX/XX/year> - Outstanding Balance : {$0.00} Additionally, I would like to bring to your attention that your bureau is in violation of the Fair Credit Reporting Act ( FCRA ) laws, specifically : - Title 15 U.S. Code. 1681b - Title 15 U.S. Code 1681c-1 - Title 15 U.S.C 1681c-2 - Title 15 U.S. Code 1601 - Title 15 U.S Code 1692c Title 15 U.S. Code 1681b states that you as the credit reporting agency does not have the right to report anything on my credit report without proof of written consent that I opened the account. I previously disputed these accounts and asked for proof of verification which you did not provide. I never gave any written consent to the fraudulent accounts stated above and therefore you are in violation of this code & must remove these accounts from my credit history. Title 15 U.S.C 1681c-1 of the Fair Credit Reporting act specifically states that without my written consent I am absolutely a victim of identity theft. Based on Title 15 U.S. Code 1681c-2 of the Fair Credit Reporting act, if your company is notified by the consumer about inaccurate info on their credit report due to identity theft ( which I have notified you of ), you must remove these inaccurate accounts from my credit report because once again I never gave any one my consent on the accounts I have listed above. Also, Title 15 U.S. Code 1601 protects consumers against unfair and inaccurate credit billing & card practices which you have violated by allowing these fraudulent accounts to continue to report on my account after no written proof of consent has been received from the creditor and sent from your bureau. Lastly, Title 15 U.S. Code 1681c ( a ) ( 4 ) states that no account should be reported after 7 years. Which this account should be removed from my credit profile immediately. I urge you to investigate this matter promptly and take appropriate action to rectify the inaccuracies on my credit report. Please provide me with written confirmation once the investigation is complete and the fraudulent accounts have been removed. Thank you for your attention to this matter.
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CO)

Toyota financial service reporting a balance and a payment on my credit report. I filed a dispute XX/XX/XXXX and they sent a letter stating dispute is resolved. My credit report today XX/XX/XXXX still shows balance due of {$4700.00}. And a payment owed of {$510.00}. The error occurred when I first leased my vehicle - Toyota opened two lease accounts in error. This needs to be corrected as it is still on my credit report. There is a note stating DISPUTE RESOVED. My credit report should not show I owe anything. This lease is paid in full.
Consumer complaint received 2018-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MD)

XXXX XXXX XXXX increased our mortgage payment in XX/XX/2016 because they said our taxes had increased. We learned our property taxes and escrow were increased in error because someone and somehow our square feet of our house was illegally, unlawfully and wrongfully increased to nearly 5000sq. Ft. After we notified XXXX XXXX XXXX and advised them we needed our old mortgage payment reinstated and any overages refunded to us, they transferred our loan to sls, llc. They too acknowledged the problem but refused to fix ANYTHING. We since stopped all payments. Our local tax assessers office has fixed and properly lowered our taxes again because of the error. But no1 wants to change the higher monthly payment or refund our money.
Consumer complaint received 2021-11-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Back in XX/XX/2020, during COVID, I was unemployed and my Bank of America Credit Card offered a COVID pause on the payment due. I applied for the COVID pause and received notice it was approved. So I didn't make the payment in XXXX and they reported me 30-days late for the month of XXXX. Once I applied and received word it was approved, I thought the payment wasn't due. 

I have a customer of Bank of America for almost 30-years and not ever been 30-days late before and haven't been since. 

Because I did not receive anything saying specifically my XX/XX/2020 payment was due, I was reported 30-days late.

I just want the one 30-day late payment removed please.
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX hit me with a hard inquiry I never did any requesting with them on XX/XX/XXXX so I am unsure as to why this is on my account this is fraud.
Consumer complaint received 2022-04-29
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. (MD)

In accordance with the Fair Credit Reporting Act. XXXX, XXXX, and Equifax have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy.

These addresses do not belong on my credit report. 

XXXX CT XXXX, MD XXXX My name on the report was spelled XXXX XXXX. which is incorrect, please remove it.
Consumer complaint received 2022-01-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JAMES B. NUTTER & COMPANY (PA)

After speaking with a CFPB agent yesterday, XX/XX/2022, I asked the question ; Should I have been offered a formal written Forbearance Agreement in order to negotiate my delinquent mortgage payments instead of a general mutual acknowledgment of intent to sell the property on my own terms? 

The conversation I had with XXXX XXXX XXXX in the loss mitigation Dept @ JB Nutter makes no mention of Forbearance, only relates to a Short Sale that is described in the attached paragraphs. This conversation took place approx 6 months prior to to the litigation filing. 

The CFPB agents answer to me was YES, that should justify the filing of this complaint to the CFPB pertaining to this issue. 

Extensions of time to file for pre trail hearing has delayed the litigation process for one year. I am not clear on exactly why these extensions of time were requested. It occurs to me that this delay is not related to any of my conversations with the bank, or my personal situation.
Consumer complaint received 2018-02-07
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. (UT)

Both my husband and I are disputing an auto loan with XXXX XXXX. We paid the loan and on the documentation, it shows the loan paid on the Equifax report dated XX/XX/XXXX. I disputed this XXXX XXXX that showed up with it showing a repossession. XXXX XXXX XXXX  are the same company. Furthermore, Equifax backdated a deletion of XXXX XXXX on XX/XX/XXXX! They deleted the correct account and kept the incorrect one. We are obviously getting caught up in a someone else 's bad car loan. 

We have tried to deal with all three bureaus and no one is deleting the incorrect information.You can see that the loan origination date is exactly the same. 

Please help
Consumer complaint received 2018-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (FL)

Last year in or around XX/XX/XXXX I opened and account with the XXXX XXXX XXXX for my son. This account was open temporary because in order to have an XXXX you must have a major carrier. Then my exwife will pay my son cell bill. I call XXXX XXXX XXXX and told them that I want to change the plan from month to month and then I canceled the account. XXXX XXXX XXXX kept sending this bill for {$50.00}. I DO NOT OWN THIS COMPANY ANY MONEY. 
collection agency ( Credence XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX, XXXX and Transunion is reporting inaccurate XXXX amount numbers and liability amount on my credit file it does not match my records. all companies have responded that the investigation has been completed. however i believe that no REASONABLE and PROPER investigation has occurred due to these violations. 

Furthermore, the companies failed to mark the account as disputed violating 623 ( a ) ( b ) these companies continuously has failed to validate this account further violating FDCPA 809b
Consumer complaint received 2021-11-05
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
This request has been denied and I would like this inaccurate information to be REMOVED : XXXX** XXXX XXXX XXXX I would ALSO like these inaccurate information to be UPDATED TO POSITIVE ONLY : XXXX CAPITAL ONE XXXX XXXX XXXX Date XXXX : XXXX
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting Act. XXXX, Transunion, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy.

These addresses do not belong on my credit report. 

XXXX CT XXXX, MD XXXX My name on the report was spelled XXXX XXXX. which is incorrect, please remove it.
Consumer complaint received 2023-01-18
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. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-08-10
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. (DE)

So I sent a letter on XX/XX/XXXX to remove personal information that i do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802 No one has my permission and I do not do business with these companies. 15 USC 1681 ( n ) These are clear violations to my protected consumer rights
Consumer complaint received 2021-01-23
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: EQUIFAX, INC. (NY)

I have several inquiries on my report that are not completed by me, myself. I have disputed several times letting them know that I was in three security breeches and my personal information were all compromised. I know of one inquiry that I completed myself. All the other ones keep popping back on my report even with having my Equifax credit report locked. There should be nothing coming through and Equifax has failed to stop inquiries from coming through on my report. The disputes keep coming back factual. However, these are not my inquiries and they are truly haunting my future of living.
Consumer complaint received 2019-03-15
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: VANDERBILT MORTGAGE & FINANCE, INC (TX)

I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was a victim of ID Theft, I was starting to get collections letters in the mail and phone calls, so I pulled my credit I saw several things on my credit report. These accounts are not mine. I have contacted the companies and they refused to help me. I would to have the following accounts removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/XXXX of 2022 A representative from American Express XXXXadvanced collection mitigation unit collection called to discuss my account. I explained I lost my business, my father passed away, my identity had been stolen, and did not have the income to make full payments. She empathized whit me and offered an option to keep my account in good standing, relieving the interest, and removing late charges. We agreed on a monthly payment of {$160.00} for both accounts, and in turn, my account would not be reported as delinquent. She proceeded to set my bank account number up for the autopsautopay and charged me the initial fee to activate the relief account. 

American Express has failed to update the information to the credit bureaus and instead has reported my account as delinquent, they continue to charge interest and late fees. They are taking XXXX per month for each card instead of the agreed-upon XXXX for both accounts. I have spoken to several representatives, and supervisors and they refuse to refund my money and refuse to honor the initial agreement. This month they took the money I had for groceries and sent me into an overdraft. I was only expecting a XXXX dollar charge and instead, they took that money 2 times again