davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXX, I made a cash deposit into my checking account at an ATM. Within a minute, I transferred that money to my credit card as a cash payment. On XX/XX/2019, I made a cash payment on my credit card, through a B of A teller at a branch near my home. The teller accepted the payment in the amount of {$230.00}. The teller did not communicate with me about the payment, other than to take it and apply it to my credit card. I know this teller, and I know other people at this branch. 
On the next day, XX/XX/2019, I made another cash payment on my credit card, this time in the amount of {$260.00}. Again, there was no notification given to me other than the cash payment to my credit card was accepted. 
For some reason, my XX/XX/2019 payment was reversed without my authorization and my XX/XX/2019 and my XX/XX/2019 cash payments were placed on hold for 5 business days. No reason for the holds were ever given and no notice was ever provided to me at the time of payment that the cash payments would be held for 5 business days. 
Without any commercial reason or notification, Bank of America revoked my credit on this card on XX/XX/2019. The credit card remains closed. 
On numerous times and dates, I spoke with various members of Bank of America, asking someone to explain to me why the credit was revoked and Bank of America closed my card without notice on XX/XX/2019. 
On XX/XX/2019, I finally got in touch with a person in the department that revokes credit. That person, XXXX, in the Maine office ( the only office Bank of America has in Maine ) stated that he did not know why the cash payments were held, why the payment on XX/XX/2019 was reversed or why a review of my account was done on XX/XX/2019. He stated a credit bureau report was pulled on XX/XX/2019, without my knowledge and as a result of that action, the credit was revoked that date.
Consumer complaint received 2018-03-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX card offered a new card ( XX/XX/2017 ) with bonus offer of {$150.00} after about {$600.00} were spent using the card within 90 days. We satisfied this requirement and paid bills on time. 
But they paid ( as statement credit ) only {$100.00}. We reported dispute on phone and on chat online. They did not send any notification of dispute resolution. we did not pay {$50.00} that was in dispute, They reported this as delinquent amount and added extra fees. Our credit rating went down by 100 plus points and we were denied credit by lenders based on this report. We believe this to be fraudulent bait and switch behavior. Their customer service contact is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX PS : we are extremely distressed the difficulty of reporting this dispute and time spent on this. We will present documentation you may require
Consumer complaint received 2018-03-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: PNC Bank N.A. (NJ)

PNC Bank re-activated an old line of credit account without a request or permission to do so. The bank changed the old account number, and started to send me " convenience '' checks and monthly statements. This account was opened for {$500000.00} I did not request this line of credit nor do I want an open account in my name. 
I contacted the bank and was advised that I am not the only one who is having this problem, as the bank has been re-activating accounts recently. I was told that I have a zero balance with the bank so I shouldn't worry about anything.
Consumer complaint received 2018-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

On XX/XX/XXXX I received an alert on my XXXX XXXX report that on XX/XX/XXXX that was reported that XXXX XXXX reported that Checksmart was opened on XX/XX/XXXX for {$1400.00} for collection on my XXXX Credit. I called Checksmart in XXXX, Oh and spoke to XXXX and imformed gave them information with my Social and he informed me that my account was not active and the last time my account was opened in XX/XX/XXXX. I don't have any cash advances. The XXXX XXXX contact is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX contact number XXXX XXXX. I think this a scam
Consumer complaint received 2021-08-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (RI)

Was with a mortgage services prior to this one, I was in a modification that I was told would be permanent, last year they raised my payment and interest and was in the process of working with them last year during COVID lock down and was repeatedly told they were going to help and for us to continue to send in our modified payment which they took. Beginning of this year our mortgage was transferred to this servicer and they are not willing to work with me. In XXXX my husband past away
Consumer complaint received 2019-10-28
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: Mobiloans, LLC (CA)

On XX/XX/2019 I received an email from XXXX XXXX XXXX XXXX XXXX monitoring services, notifying me that a financial company requested credit information from XXXX on XX/XX/2019. 

The financial company identified as MOBILOANS LLC, without my knowledge ran my credit report causing a hard inquiry dropping my credit score which Im currently rebuilding. 

I emailed MOBILOANS customer service support requesting a letter of deletion and to provide me the information I requested and did not receive any call backs nor an email about the credit inquiry.
Consumer complaint received 2017-12-28
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. (NY)

Equifax for the past year, continues to report inaccurate false information despite me providing evidence alleged debts and accounts do not exist. I am experiencing major adverse consequences as a direct result of Equifax not reporting accurate information as per the Fair Credit Reporting Act and statute of limitations under State of New York.
Consumer complaint received 2021-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (MO)

Account Name : JPMCB - CARD SERVICE Account Number : XXXX Date Opened : XX/XX/2016 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.
Consumer complaint received 2017-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: F.H. Cann & Associates, Inc. (UT)

I signed a Financial Disclosure For Reasonable And Affordable Rehabilitation Payments on my student loans with F.H. Cann & Associates, Inc.. They based the monthly payment amount on my income. This has been being paid monthly since XXXX/XXXX/XXXX yet it is still showing as a collection that payments are not being made on with all 3 Credit Bureau 's. 
This is incorrect and needs to be fixed back to the date of XXXX/XXXX/XXXX immediately.
Consumer complaint received 2019-10-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (OH)

I initiated a mortgage process with AmeriSave Mortgage Corporation and had my home appraised. AmeriSave failed to provide me with a copy of the Appraisal of the property which I paid for. Despite repeated attempts to obtain the document from their representative, I was ignored, strung-along, and ultimately had to abandon my effort. It is my understanding that AmeriSave is required to share a real estate appraisal with a home owner when they initiate a refinance process.
Consumer complaint received 2018-03-25
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. (CA)

Errors on reports on all 3 major credit bureau 's or " specialty credit bureaus ''. Dates, amounts, accounts, unknown address of residence, my social security affiliated with unknown address, public records that do not belong to me, reappearing accounts shown with different collection agencies/accounts including those that have been removed. Numerous inquiries without my knowledge. Requested validation from creditors/collection agencies/inquiries was not provided with competent evidence. 
This has caused me defamation of character and has prevented me from receiving auto/personal loans, insurance and credit cards.
Consumer complaint received 2018-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Errors on reports on all 3 major credit bureau 's or " specialty credit bureaus ''. Dates, amounts, accounts, unknown address of residence, my social security affiliated with unknown address, public records that do not belong to me, reappearing accounts shown with different collection agencies/accounts including those that have been removed. Numerous inquiries without my knowledge. Requested validation from creditors/collection agencies/inquiries was not provided with competent evidence. 
This has caused me defamation of character and has prevented me from receiving auto/personal loans, insurance and credit cards.
Consumer complaint received 2022-09-08
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: EQUIFAX, INC. (NJ)

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX  XXXX  Account Number : XXXX XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX XXXX  XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX XXXX Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX
Consumer complaint received 2022-09-08
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. (CO)

On or around XX/XX/2022, I called the fraud department of TransUnion, XXXX and XXXX to report that I have approximately 17 or more unauthorized inquires reporting to my credit profile. Neither company did anything to fix this problem and the inquiries are still reporting and has yet to be removed.
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (KS)

In XXXX, I sent an investigation request to Experian, asking them to correct errors on my credit report. More than 30 days past, and we did not receive a response. On XXXX XXXX, we filed a grievance with your office regarding the delay from Experian. Experian responded to my complaint, and said they would send a copy of the credit update to us. More than a month has past, and we have still not received the credit update.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

A few weeks ago, I called and made a one time payment to pay down my brother 's credit card balance with Capital One XXXX. I was very clear with the representative that this was a one time payment ONLY and that my payment card should NOT be permanently linked to the account. My brother informs me that in fact Capital One did link my card to his account and it gives him the option to use that bank account to pay his bills every month.. I find this an outrageous negligence to link my card without my permission. My brother informed me and has not used my card without my knowledge, but that is not even something I should have to worry about. A financial institution such as Capital One should take seriously that any relative making a one time payment for a family member in need does not want to have their card permanently linked to an account without permission. When I called Capital One to fix this, two representatives ( including a supervisor ) both told me that my brother would have to call to fix this. I have asked my brother to remove my card from the account and trust that he will, but I am still shocked and alarmed that I would ever have to worry about giving my bank account information to a financial institution and not be able to trust in the security and privacy of that data. If Capital One can not be trusted to safeguard bank account information of people calling in to make one time payments, then they should not be in business.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (CT)

To Whom it may concern : We are writing to you regarding the following accounts : XXXX XXXX XXXX XXXX XXXX As of XXXX these said accounts have destroyed my credit ( well over XXXX ) In late XXXX my bank account information was stolen and used in various areas of the US for thousands of dollars. I have suffered terribly from this happening and am now in the process of rebuilding. As of today XX/XX/22 all of my affirm payments are up to date and I plan to continue these payments. 

I am in the process of beginning a new job where credit is heavily weighed in order to gain employment so I ask for a goodwill adjustment on these above accounts. As you can also see prior to This I have successfully paid my account and I ask you to please work with me on this. 

Thank you, XXXX XXXX
Consumer complaint received 2017-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MI)

On XXXX XXXX, XXXX it was brought to my attention that Citibank had made a negative reporting and closed my secured account. I made a call to customer service and shared confidential information about a serious illness that I was hospitalized for in XXXX XXXX to respectfully disclose the reason for my late payments. I requested that I be allowed to make up the payments and that late fees be waived due to the reason for my late payments. I was informed by the rep that even though I was a customer and that all payments had been made on time up to the point of being ill, that my illness would not be taken into consideration and that even if I paid my account balance in full, that my account would not be re-opened. I spoke with an account manager who attempted to remove late fees due to the reason I was late with my payments but was informed that the bank would not allow any waivers. The account manager did inform me that the balance to clear the account was {$140.00}. 

I am making the account payment of {$140.00} to full fill my financial responsibility to Citibank. Also I am writing a letter directly to the Citibank to express further concern. 

To resolve this matter I am requesting that Citibank remove the negative rating that they originally sent to the three credit bureaus even if they have to delete the line of credit. The way it reads currently is extremely unfair and punitive because I became ill unexpectedly. 

I look forward to hearing from you in the near future. 

Best Regards, XXXX XXXX
Consumer complaint received 2022-03-10
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. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I filed a chapter XXXX bankruptcy in XX/XX/XXXX that was discharged in XX/XX/XXXX. Every collections account I had has been updated showing discharged in bk/closed, but one account. My account for XXXX who's collecting through XXXX XXXX XXXX is the only account still showing as an open collections account but should be reported as discharged in bk/closed. I've reached out to the Collections company in addition to Transunion and XXXX to dispute the incorrect status and nothing has been done.
Consumer complaint received 2017-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (GA)

I have been enrolled in the Public service loan forgiveness program through fedloan services since XXXX of XXXX. Since then I have made on time payments that should qualify towards the 120 payments that I need to make. I also have made several previous income based repayments on my loan that should qualify towardsthe 120 but they are also being denied. I recently received a bill this month amd it stated that I have only made 2 qualifying payments. On another statement it said that I had 9. By now I have at least 15 payments since being on the PSLF program plus the additional paymemts that I have made that also qualify. I have reached out to the company with no response other than to continue to give me the run around.
Consumer complaint received 2022-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc. (MD)

Approx XX/XX/XXXX - debit card stolen I reported the following day cancelled card Was told they would review and investigate/ XXXX mos pass by of their staff not returning calls ; emails ; repeatedly have to re explain XXXX and XX/XX/XXXX filed. 

XXXX days later - spoke with ML rep who had me resign affidavit XX/XX/XXXX given provisional credit for the money taken from atm. I thought ML indicated they had my back but them with no response call etc XX/XX/XXXX Money was reversed and up to and past point no one from money lions called texted etc
Consumer complaint received 2021-02-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I conacted XXXX in regards to this charge off on my credit thats been there for years and requested that they remove the incorrect information. AFter years of trying i started to see if there were any other ways to get this fixed I contacted XXXX and transunion along with XXXX with no success. Please help.
Consumer complaint received 2021-08-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NETWORK FUNDING, L.P. (TX)

We recently purchased a home from Colina XXXX  in XXXX, Texas. Originally when we contracted on the new home Colina offered us {$6500.00} in builder credits if we used Colina Mortgage. Once we were with in 60 days of the construction being completed we started to work with Colina Mortgage. Colina Mortgage came back with a high interest rate of 3.4 % when other lenders where offering 2.99 %. The Colina Mortgage Rep said we could use the builder credits to buy down the points. Which would use all of the builder credits making it pointless. I then found another lender and informed Colina that I would not use their mortgage company at that point the pulled all the builder credits and would not pay any of the fees at closing. At the same time they demanded that we use their Title company and would not allow me to choose my own title company even though I was paying all the fees. See attached emails. Their VP of Sales also emailed and stated that they do not fall under RESPA guidelines because they dont use TREC documents. This caused more delays with their title company and more cost incurred by myself and they also delayed the completion of the home.