davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

HSBC MY ACCOUNT WAS HACKED SO THEY TOLD ME TO CLOSE MY ACCOUNT WHICH I DID IN THE MEAN WHILE I HAD A MORTGAGE GOING THRU THE VICE PRESIDENT OF THE BANK IN XXXX NY TOLD ME NOT TO WORRY ABOUT IT WELL THE CHECK BOUNCED BECAUSE MY ACCOUNT WAS FROZEN SO I PAID IT THRU MY XXXX  ACCOUNT BUT WHEN THEY REJECTED MY PAYMENT THEY NEVER PUT BACK THE MONEY IN MY ACCOUNT I HAVE CALLED EVER SINGLE DEPARTMENT IN THAT BANK AND NOONE WOULD HELP ME CAN YOU PLEASE HELP ME GET BACK MY MISSING MONEY
Consumer complaint received 2020-10-05
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. (AL)

I have a serious problem with my Equifax Credit Report. My credit account data is wrong ; the amounts have not been updated since XX/XX/2019. As a result, my Equifax credit score is much lower than it should be. 

I have been trying to fix this problem for one year. 

PLEASE do not close this complaint until the problem is fixed. A letter stating that it will be fixed is not sufficient. This time they MUST actually fix it.
Consumer complaint received 2017-02-28
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: American Financial Network Inc. (CO)

I was trying to get refinanced because I need some cash out and I have an adjustable rate montage and applied to American Financial Network with a XXXX XXXX loan officer. 
They promised me XXXX cash out and that they would pay off a judgment against my daughter also. I had told them repeatedly not to go ahead with an appraisal unless all this looked good which they assured me that it did look good for me to get a loan with them .I had backed off them once but they persisted and so I gave them my credit card for the appraisal to be completed which it was costing me XXXX dollars but when they sent me papers to sign they money was not there that had been promised to me so backed off the loan and backed off the deal. I asked them to return the XXXX dollars since nothing was right about the loan .I believe they would tell me anything to close this loan but if they had vetted me closer before the appraisal as they should have they would simply told me that I did not have enough residual income for this loan to begin with, i contacted them and ask them to return the money have charged on my credit card but they ignored me and actually told me they would still do this loan, How can thy loan money to someone who did not met the standards for the loan in the first place They are American Financial Network Inc .www.afncorp.com the loan officer was XXXX XXXX from Ohio.
Consumer complaint received 2016-09-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Not reported to Transunion because prompts do not give you option to leave complaint. Called Transunion at XXXX, gave all information as requested by prompts,. After properly entering information requested such as SS #, DOB, numeric street address, zip code, IVR declines providing report because " they can not find a report based on information given ". Tried 3 times, made SURE correct info given as requested, only to end with same IVR decline and advised to submit " written request ". Credt was declined on XX/XX/2016 based on information that doe not belong to me, I was a victim of ID theft twice in the last 3 months. I have never had any business relations with sources they claim were included as part of their evaluation.
Consumer complaint received 2021-12-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (PA)

I have had constant email communications with this company. Out of frustration I called and agreed to auto payments. After that I would just shred bills because of auto pay. Never received a phone message and never received an email to let me know that I was still in default. 
Yesterday I received a letter stating that I was in default with little to explain the charges. I then sent several emails asking for clarification. 
Is it legal to charge {$42.00} for an outstanding balance of {$5.00} without disclosing this to me during my agreement to auto pay?
Consumer complaint received 2015-05-14
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TX)

I returned merchandise to Macy 's and filled out the form requesting credit to the Macy 's accounts. However they continually issue a gift card for which I did not request forcing me to go through the process of requesting a reversal to the credit card. However during this time they are charging me interest of the gift card and they do not issue credit for the interest when and if the credit is reverse. Right now I am waiting on XXXX reversals however I am having trouble get them reversed. Its taking to much time and I will be paying the interest.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I recently checked my TransUnion credit report and a CLOSED XXXX XXXX credit card account is reporting along with my OPEN XXXX 's credit card account. This caused my scores to drop nearly XXXX points. I have attached a screenshot of the reporting. Per the provisions of the Fair Credit Reporting Act, reporting of open, active accounts must be 100 % accurate and any investigation request must be completed within 30 days.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

This letter is my final communication regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. I have attached the 1099c for the account XXXX XXXX XXXXXXXX showing that you are reporting incorrect information. The account was paid and should have been removed per the agreement with the creditor. Not only are your furnishing incorrect information pertaining to this account, but you also failed to remove the account once it was paid. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. Please see the attached 1099c form as well as the dispute letter sent to you on XX/XX/year> which is dated and time stamped.
Consumer complaint received 2015-09-03
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I bought a new car financed through a XXXX dealership. I did not give them permission to send my information out to loan agencies. Now I have XXXX hard inquiries on my credit report. I do n't even know who these loan agencies are. My score has dropped and I want these inquires removed. I never asked these people for a loan.
Consumer complaint received 2015-06-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NC)

my car is financed threw ALLY, back in XXXX XXXX i asked for a extension on my car payment, I never received it until XXXX XXXX threw this happening my car payment was late but it was still paid. I am asking for the late actions to be taken off my credit report so I can buy a house, so my credit score will raise by up. Thank You! XXXX XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Hey Transunion AND XXXX, I was recently checking over my credit report after receiving a response from you. I have the proof showing that I submitted the complaint # XXXX on XX/XX/2023 and received a response from you on XX/XX/2023 that states, DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX-UPDATED XXXX-VERIFIED AS REPORTED XXXXXXXX XXXX XXXX-UPDATED Your credit bureaus stated that my account XXXX XXXX and account # XXXX was properly INVESTIGATED but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate and the account name is inaccurate. This is grounds for removal they ALSO, violated my rights under 15 U.S.C 1681 Section 602A. States that 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 Also, the credit bureaus took more than 30 days to complete my investigation here is my certified tracking number / cfpb complaint # XXXX According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I want {$1000.00} ( one-thousand ) per violations or all accounts deleted due to violation of my rights or delete all accounts
Consumer complaint received 2020-05-26
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. (AL)

XXXX XXXX XXXX XXXX REPORTED TO THE CREDIT BUREAUS THAT MY ACCOUNT WAS 30 AND 60 DAYS LATE FOR THE MONTH OF XX/XX/XXXX AND XX/XX/XXXX, WHICH IS NOT CORRECT, THE ACCOUNT WAS CLOSED AND PAID IN FULL BACK IN XX/XX/XXXX, I NED THE CREDIT BUREAUS TO UPDATE MY CREDIT BUREAUS TO THE CORRET INFORMATION.
Consumer complaint received 2016-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

During the past three months, XXXX has been reporting to the credit bureau 's that I have been 30 days late. This information is incorrect and false as XXXX raised my monthly payment of my loan without my knowledge and without informing me. I continued to make the monthly payment that I was making since day one. Prior to this, I never had a late payment that was posted on my credit report from the credit union. I have contacted the credit union where I get nothing but disrespect and people that are unwilling to clear up this problem. I challenged my credit report as which time Transunion did n't delete the late payments.
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello. My name is XXXX XXXX. Someone has used my information at least once to open a credit card with Bank of America. Possibly more than once. I am still trying to resolve the issue with them. This account was opened and used in my name for several years. This person continues to have my information so I would like to know what I can do to stop this in the future. Thank you
Consumer complaint received 2017-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TN)

Account # XXXX for XXXX was official discharged on XXXX/XXXX/XXXX and Equifax continues to state that the creditor has reported to them that the account status as of XXXX XXXX, XXXX is 120+ days past due. When I contacted XXXX they indicated that they have not reported on that account since XXXX XXXX, so they did not indicated that to any credit bureaus. I have disputed this inaccurate information about 16 times over the past 3 years and I want it corrected. It is causing damage to my credit file and causes a lower credit score. It has also caused me to be denied credit. I have submitted supporting documents proving this account was discharged, so how can it be 120+ days past due as of XXXX if I no longer owe on that account?
Consumer complaint received 2016-06-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

It is time for my daily complaint with Equifax because they are breaking the FCRA and the CFPB seems to be doing nothing. On XXXX XXXX, I talked to XXXX, XXXX XXXX XXXX, and XXXX XXXX, all XXXX said their investigations are not complete and nothing was reported to Equifax , meaning they are lying about verification. If the have verified my information then I want Equifax to attach a copy of the verification to their response of this complaint, something I have asked before and they have refused. Might I also add that the XXXX XXXX XXXX account is attached to an unknown name and said it was charged off with someone using my wife 's maiden name in 2014, I have sent proof that her account with XXXX XXXX XXXX was changed to her married name yet Equifax ca n't seem to grasp this concept. Next, XXXX is a fradulent account but let 's put that aside, this debt was discharged in a settlement agreement signed by their representative, that I have also provided and was allowed to do so for financial purposes. TransUnion has actually done an investigation and found all XXXX of these accounts fraudulent yet Equifax seems to be lying or have proof that TransUnion could not find. You must have to have a XXXX to work at Equifax. I am again sending my proof for XXXX XXXX XXXX and XXXX but I 'm sure Equifax will lie and say these debts are verified and the CFPB will allow them to trample on my rights. Also, Equifax should have received my bill for my contracted services, I never asked to do business with Equifax and though they never asked to do business with me, I am still charging my hourly wages ( 12 hours a day, 7 days a week ) as well as lost sales revenue since they are the cause of this and I have them a discount at {$20000.00} dollars. I meant what the letter said, this line of credit will be reported to XXXX as either paid or unpaid on all XXXX numbers found for Equifax Inc.
Consumer complaint received 2022-07-19
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: CITIBANK, N.A. (NC)

The account with CitiBank had to be closed because there were fraudulent charges and the company racked up fees and delinquency charges while we attempted to negotiate with them over the fraudulent issue. A hotel XXXX in the XXXX XXXX forced us ( at threat of XXXX XXXX ) to pay our bill, even though the entire stay had been prepaid through XXXX. Citi 's fraud protection should have covered the risk but they refused to reverse it. Their response to our claim is that no information was provided showing the bill ; however proof of payment ( see attached ) was provided to them in 2019 showing the hotel was paid through XXXX, and then paid again with the Citi card when we left. 
Additionally, this merchant was the ONLY creditor who did not agree to work with us in 2019 when we had a job loss in the family. As you can see by the credit report, all other creditors closed the accounts and set up payment plans for us. Citi was the only creditor who did not offer assistance or a payment plan. As you can see there are NO late payments showing for the creditors we worked with at the time of the job loss. All were contacted and offered monthly payments. Citi refused to reverse the fraudulent charge covered by the card terms and conditions ; they assessed delinquencies fees and reported lates to the credit bureau while we were attempting to work out payment on the account. This put the balance into an " over the limit '' status and even higher interest rates were charged. 
Citi did not uphold the terms of the card agreement, and engaged in usery by tacking on higher than normal interest rates and fees while the account was in dispute. We were taken advantage of by a company who tried to profit off our hardships.
Consumer complaint received 2016-07-06
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: AMERICAN EXPRESS COMPANY (MA)

On XXXX XXXX I went on-line to my statement to see if my bills had been paid, but then I see that some transaction was on there that I did n't make. I then contact XXXX American Express company to inform them about the matter. He told me that if I see any more transaction that I did not make to contact them back. I went on-line the next day and found XXXX more transactions from XXXX XXXX that I did not authorized and another XXXX from XXXX, but when I went back to the website my account had been closed. I called the bank and ask what was going on and they said that they had suspended my account due fact that I had broke one of their terms. I did n't understand what they was talking about and they said that I was one that made the transactions. XXXX XXXX was XXXX of the transaction on my account that I did not approved and then I called XXXX XXXX to find out who might have purchased the ticket that was on my account and they told me that it was not me plus they where going to admittedly start an investigation on the transaction that was done in my name then take legal action. After that I call Serve back to let them know that information that they had given me was wrong. They told me that XXXX XXXX told them that I made the transaction of buying a ticket to see a concert and to me that they was saying that I committed fraud. They kept saying that I was the one that had made the transaction which was not true. The next day I went to my police department In XXXX Ma. and file for identity theft. I immediately faxed over my papers. They told in about one week my case should be settled but it was n't. Then they told by the following Thursday it would be done once again not finished. I got tried and threaten them that I was going to bank commissioner and I have n't heard from them since. That is why I 'm filing a complaint. My bill are all over the place I ca n't pay my rent because the social security was sent to my the old account.and now I have to wait for social security to get it back. Then send it to my new account which I 'm still wait for its card because of all business with XXXX and American Express. I have my credit card companies calling for payment and now I have late fees add on top of that. XXXX and American Express have made my life a living XXXX!!
Consumer complaint received 2022-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

Im trying to remove PMI from my mortgage. 
Im following the rules and contacted the company about I want to do mortgagee recast and I want my PMI removed based on the new valuation of the house, since the real estate market is on the rise. 
I purchase this house XXXX ago. And the value is indeed increased. 

The company initially aggreed and made me go through the process and pay XXXX non refundable fee. 
The. After going through all the process they rejected it and they said the XXXX calculation will be based on the original loan amount not based on the new validation. 

Need help as I want to do my right and removing the PMI based on the new house valuation.
Consumer complaint received 2015-11-04
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

The underwriter for our mortgage through Citizens Bank, XXXX XXXX, has deliberately been delaying our mortgage process. The mortgage application was begun in XXXX 2015. It is now XXXX 2015, and we still have received the clear-to-close from the bank. 
In XXXX 2015, XXXX XXXX finally informed us that there is a termite inspection requirement. She also made a false statement saying that the inspection can not be paid for by the veteran ( myself ) applying for the loan. This is in direct contradiction to federal law ( See XXXX XXXX XXXX ). After informing her of this law, she continued to insist that the veteran can not pay for it. 
Furthermore, XXXX XXXX waited until XXXX XXXX, 2015, to request the results of the water test, which was performed on XXXX XXXX, 2015, which were also forwarded to her at that time. The test consisted of XXXX XXXX and coliform. XXXX XXXX then requested that nitrites, nitrates, and lead be included in the test, again falsely claiming that this was required by the VA. I spoke with XXXX XXXX at the VA Home Loan Center, who confirmed that this is not a requirement by the VA. After informing XXXX XXXX that I spoke with the VA, she redacted her requirement. 
XXXX XXXX then requested a structural inspection of the property, once again falsely claiming it is a VA requirement. And once again, XXXX XXXX at the VA Home Loan Center confirmed that this was not required by the VA. After again returning to XXXX XXXX , she then changed her story and stated that the structural inspection is a requirement of Citizens Bank . I asked her why she did not inform us of this inspection at the beginning of the process, 3 months ago, and she did not produce a response. 
In the beginning of the mortgage process, Citizens Bank informed me we would close on our property in XXXX. I correspondingly made arrangements for my new employer to begin employment at that time. Since we still have not closed on our house, I have been driving XXXX miles a day between XXXX and XXXX County, paying tolls each way. We sold our apartment in XXXX, but since we could not move into our new house, the buyers of our apartment allowed us to continue dwelling there. They finally could not tolerate the delay any longer, and I am now living under my desk in my office, and my wife is living on a couch in XXXX. All of our belongings are in a temporary storage unit.
Consumer complaint received 2022-08-08
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. (IN)

in Accordance with the fair credit reporting act XXXX Account # 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 writtensinstructions.