davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

My AMEX serve card and account is locked. For no reason. I can't add money, I can't use the card. I can't access my online account it says locked. When I call customer service I'm on hold for hours and then the line hangs up. No one is saying what is going on. Customer service is responding to people on twitter who are reporting the same issue but avoiding answering questions or giving any information.
Consumer complaint received 2023-04-01
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. (CA)

Falsely gave permission to the following parties, using forged consent, to create hard iniquities on the following reports : XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Credit Report XXXX XXXX : Organization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Venmo issue - I transferred money as payment for an item, the receiver is unable to access his account and asked that I have the charge reversed. The funds are now in Venmo " limbo. '' It has been 5 days. The receiver can not access and Venmo refuses to refund my money. 
Payment ID # XXXX Request # XXXX
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MD)

My FICO score is not updating correctly to match XXXX and Equifax data. My XXXX XXXX XXXX XXXX  and my Equifax is XXXX. Because of this, my XXXX isn't even close to correct. 

It is multi-party credit reporting fraud accidentally it would seem, but it's so enduring it's starting to seem targeting and it is really fraudulently damaging my credit rating and ability to receive loans. 

I am prevented of communications at times at it becomes mail fraud and communications fraud it seems. But this is credit reporting obviously of two extremely fraudulent activities targeting my personal identity and ability to receive credit. 

Please also contact XXXX and explain to her this is damaging my credit and ability to receive credit extremely fraudulently and is a war crime in progress and should be covered under my identity theft coverage with XXXX and XXXX and Equifax.
Consumer complaint received 2020-07-14
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. (AR)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report.
Consumer complaint received 2017-09-19
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: Experian Information Solutions Inc. (OH)

Filed a complaint with the BBB against XXXX for reporting a chapter XXXX bankruptcy on credit report without supplying proof, I 've sent a letter from the courts stating they do not verify bankruptcies, they keep stating they verified with XXXX XXXX who keeps stating the same. After filing complaint with the BBB  XXXX claims that they are not reporting a chapter XXXX bankruptcy on my credit report. Its been over a month and it is still showing on my report.
Consumer complaint received 2021-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (TN)

Received a call on my mobile; did not answer. 

Dialed number and received message about issues with a CitiBank account. 

Recording requested that I enter my ATM card number, SSN or FIN ; I hung up because I work in Finance and know that Regulations prevent this unsolicited request. 

I looked up the number on the web and it was flagged for fraud ; I am officially reporting this phishing attempt.
Consumer complaint received 2021-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NM)

I used to pay my mortgage via online. Last month ( early XX/XX/2021 ) I was unable to log in on same computer I've always used. I called customer service number and was told by an automated message to try later. I paid by check for XXXX. This month ( XX/XX/2021 ) I tried again to contact customer service and was unable to get to a live person. I was told ( automated responses ) to log on to website. That was the problem!. I reset my password and tried again. Still unable to log in. I tried again to call customer service and again was unable to talk with a representative. All options were automated. How am I supposed to get with customer service if a live person is not an option!? 
The company is XXXX  or XXXX XXXX XXXX  XXXX with LoanCare LLC servicing the loan for them. I identified the company as XXXX XXXX but the culprit may be LoanCare , LLC.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (SC)

XX/XX/2022 forced deposit at branch atm. This was stolen from me by the bank and was not resolved for 6 weeks. 
While this claim was being resolved, the banking institute closed my account from receiving my weekly paychecks. I called the customer service line when my employer told me my paycheck was rejected. The institute said thats standard while resolving the issue. Due to this all my bill pay auto drafts were rejected and my family has suffered due to this. It took me about a week to switch all my bill pays over to my new account, I attempted to pay back the overdrafts at the bank this happened with and they rejected my payment to them. 
I had to go get another checking account in the meantime, so I could get my paycheck, to live on. 
Refund was sent to the bank on XX/XX/2022 and was accepted by this bank. 
Once the issue was resolved a refund was issued to the banking institute that they are refusing to accept or return due to my account being closed. I have been dealing with this since XX/XX/2022 and I have spent hours on the phone, with the place that refunded the money ( the bank accepted the refund ), I have proof that they did, I have spent hours on the phone with bank customer service ( with a different story every time I call ), but no resolution. The bank has {$900.00} of my money they are refusing to give to me. I have RRN tracking numbers to prove the bank has my money.
Consumer complaint received 2021-04-05
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO. (NY)

I am writing today in regards to my Ford Account XXXX. I had previously sent in a request cfpb case # XXXX to which I got a response saying that they will make the information not available in the months of XX/XX/2020 and XX/XX/2020. It has been over three months and they have not followed through on this. It is still showing the late pays in XX/XX/2020 and XX/XX/2020.
Consumer complaint received 2017-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (MD)

I made two payments to my accounts. 

1. On XXXX/XXXX/XXXX I made a {$700.00} payment to my reserved line 2. On XXXX/XXXX/XXXX I made a {$1000.00} payment to my credit card Neither of these payments have been applied to my account. The company refused to rectify this situation and now I am out of {$1700.00}. I need help solving this. I have tried to contact the company to ask about my payment and they refuse to provide me with any information. There is something fraudulent going on with my account. I never asked the company to transfer payments from one account to the other. This is a fraudulent situation. Someone has taken my payments and misapplied my payments and reversed it off my account. So where is my {$1700.00}?
Consumer complaint received 2016-07-16
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Business Starters, Inc (NC)

The mortgage broker caused me to lose {$1200.00} because of their incompetence. They misfiled paperwork and ignored my calls questioning why I was n't hearing back from them with any information. After finally looking into the matter they found that the paperwork was " misfiled ''. I had to pay an extension fine of {$370.00} to HUD for a 15 day extension in which I asked the brokerage firm to give me priority so I could close before the end of the extension. That closing date came and went and I had to file for another extension ( {$370.00} for another 15 days that HUD allows ) and that closing date also was not met. HUD must have the paper work to them 5 days prior to closing date or prior to end of extension to complete their end. In the meantime I also paid for the bank 's appraisal at {$510.00}. So when they were not going to meet the extension deadline for the 3rd time, my realtor asked HUD to work with me if I were to find a different mortgage broker and they said they would let me as long as I paid another extension fee. Which would have actually been 2 more as a new mortgage takes 3-4 weeks and the extensions for HUD are only 15 days each. I asked the original mortgage company to pay me for my loss and they told me no.
Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Debit card shut off on, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, And more : XX/XX/XXXX, and XXXX This is being done by the Bank of America, under the guise it is for security or fraud. 
Yet, if you look at my purchasing history, well documented, it is the same purchases I have made for years.Shutting debit card off my debit card is XXXX XXXX XXXX XXXXI am a honors preferred client customer labeled by the Bank of America. Been with Bank of America since XXXX. Carry balances in excess of XXXX figures. 
I am a Veteran, XXXX and a senior. 
Bank of America advertises their debit card by, " use it as you want to. '' After shutting down my XXXX XXXX, it was impossible for me to buy a prescription at my drug store. The next to last XXXX XXXX was rude, talked over me, XX/XX/XXXX, I begged her to let me talk and completely IDed myself, but she refused to release the card for use. 
I challenge the bank to listen to that XXXX rude conversation.She went on to accuse me of using the card in an aggressive manner, when I asked her to define aggressive usage she went ballistic.
Consumer complaint received 2021-08-17
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: EQUIFAX, INC. (FL)

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company
Consumer complaint received 2020-04-16
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. (AR)

I pulled my credit to myself because I was alerted when my social security card was stolen and I have derogatory items that are not mine including many inquiries. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent.
Consumer complaint received 2020-06-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (GA)

Defaulted payments on my deceased husbands account, in which i am the sole executive of estate. My husband had a loan modification XXXX for term XXXX, he passed in XXXX. I was not able to continue payments. Since the loan was sold, in XXXX, one servicer made a short payoff settlement agreement within 90 days of {$30000.00} due XX/XX/XXXX. The loan was sold again effective XX/XX/XXXX, XXXX the new servicer will not accept the amount nor will they modify the loan stating that I am not able to pay according to my loss loan modification application.The loan is they state as 400 days ( 13 months XXXX past due, however i do understand this but they are billing for XXXX each time the amount increases the modification PI was {$390.00} taxes XXXX .they keep increasing amount.adding taxes in which i pay the taxes yearly.
Consumer complaint received 2022-04-07
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. (NC)

I originally submitted a request to Transunion and the other credit bureaus in XXXX XXXX XXXX  to delete erroneous personal information on my credit report. XXXX and XXXX were really good about taking care of my request. Transunion took almost 2 months to do anything ( previous CFPB complaint ). On XX/XX/XXXX I called Transunion about a name on my report that does not belong to me. They said they could not do anything about it. The name is XXXX XXXX XXXX. I have never used this name in ANY context. Transunion needs to remove this from my credit report or PROVE that I ever used this name. Thank you.
Consumer complaint received 2020-07-14
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. (AR)

My identity has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$610.00} XXXX XXXX   XXXX {$210.00}
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AL)

This account had previously been disputed and removed from report. I guess another company acquired it and they were given a letter by me explaining it was removed and I again was disputing. I received a letter dated XXXX XXXX, XXXX saying they were ceasing collection. This is the second letter I received from them explaining they were ceasing collection, which I got before the XXXX of XXXX. I received my updated credit report explaining that they re-investigated and the information was said to be true. I did not receive any documents showing proof of their investigation and it is still on my credit report even though the collection agency said they were ceasing collection. My report is dated XXXX XXXX, XXXX which is after the letter from the collection agency. It should have been removed.
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This account had previously been disputed and removed from report. I guess another company acquired it and they were given a letter by me explaining it was removed and I again was disputing. I received a letter dated XXXX XXXX, XXXX saying they were ceasing collection. This is the second letter I received from them explaining they were ceasing collection, which I got before the XXXX of XXXX. I received my updated credit report explaining that they re-investigated and the information was said to be true. I did not receive any documents showing proof of their investigation and it is still on my credit report even though the collection agency said they were ceasing collection. My report is dated XXXX XXXX, XXXX which is after the letter from the collection agency. It should have been removed.
Consumer complaint received 2017-09-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (KS)

On XX/XX/XXXX I applied for this loan because of financial difficulties. Me being young and when I applied it said 29.9 % interest rate. Come to find out it 's actually 299 %. I have made payments never late mind you. The loan was for XXXX. I have paid XXXX $ and I still owe them XXXX. The date as of today XXXX-XXXX-2017. I get payday loans are meant to be paid back by pay day however I should n't have to choose between food and paying this. If someone can bring food that would be great.
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IN)

% % % % % My name is XXXX XXXX XXXX. I have been trying to fix incorrect information in my credit report but i seen like never working. I spot that all of addresses and employment information that are incorrect and belong to me. These information make a really bad effect to my credit report and also our association. we are in a harvest time with the outbreak and really need a support to uplift all my affords in the last 15 years. Here are the addresses and employment information : % % % % % % % % % % % ADDRESSES REPORTED XXXX XXXX XXXX XXXX, IN XXXX!!!!! 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX & & & & & & & & & & & & & & & & XXXX XXXX XXXX XXXX XXXX, IL XXXX $ $ $ $ $ $ $ $ $ $ $ EMPLOYMENT INFO : XXXX XXXX & XXXX XXXX GENERATION
Consumer complaint received 2021-05-19
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (NY)

Since XX/XX/XXXX, I have been out of work with a XXXX  XXXX. I was notified by Social Security that I would no longer have to pay on student loan, due to XXXX discharge that was in process. In XX/XX/XXXX, I asked you to remove the late payment status on my credit report for XX/XX/XXXX, which you stated " we have an obligation to ensure data we furnish to consumer reporting agencies is accurate ''. In XX/XX/XXXX, I received a refund for payments posted on the account including the XX/XX/XXXX payment. Furthermore, you must remove the payment history for XX/XX/XXXX, Since I was not responsible to pay that month. I noticed several months of data were removed after you received my TPD discharge, however you decided to leave the late payments on my report. Please update XXXX, XXXX  and XXXX  to remove the payment history for XX/XX/XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-03
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. (TX)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXXXXXX XXXX ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX XXXX XXXX after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX XXXX XXXX  as well as equifax 's XXXXXXXX XXXX XXXX I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over XXXX XXXX. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX : {$790.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$6700.00} ; XXXX XXXX XXXX XXXX : {$28000.00} ; XXXX XXXX XXXXXXXX Balance : {$680.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AL)

This account had previously been disputed and removed from report. I guess another company acquired it and they were given a letter by me explaining it was removed and I again was disputing. I received a letter dated XXXX XXXX, XXXX saying they were ceasing collection. This is the second letter I received from them explaining they were ceasing collection, which I got before the XXXX of XXXX. I received my updated credit report explaining that they re-investigated and the information was said to be true. I did not receive any documents showing proof of their investigation and it is still on my credit report even though the collection agency said they were ceasing collection. My report is dated XXXX XXXX, XXXX which is after the letter from the collection agency. It should have been removed.