davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc. (NJ)

a payment was made on XX/XX/2022 ( due date XX/XX/2022 ). Later that evening I received an email asking to bring my account up to date as if it was behind. I checked my online credit card account and noticed the payment made on XX/XX/2022 was processing. When I spoke to customer service I was made aware that a .ate fee had already been assessed although my payment due date is 3 weeks in the future. 
This type of error makes me very scared of how my personal information and banking information is being handled and sis why I come here today to make you aware of this. I can only imagine all the other coinsurers not noticing they are being charged unfairly.
Consumer complaint received 2020-05-04
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: FORD MOTOR CREDIT CO. (PA)

XX/XX/2019 recieved approval for a car loan amount from my bank, XXXX XXXX. 
XX/XX/2019 went to XXXX XXXX of XXXX PA to negotiate for the car I had chosen. I informed my saleswoman that my bank preapproved me for {$10000.00} ( XXXX XXXX XXXX ) for a purchase. 
WITHOUT MY PERMISSION the saleswoman called 3 lenders and received approval from one. 
I purchased the car because ( approximately ) 2 weeks prior my car was totaled ( my car was parked with no one inside ) and my wife, XXXX children and I needed a vehicle at that time. 
A week later, my bank paid off the loan and still hold the title. 
I would like the 3 inquiries removed from my credit report. 
I DID NOT PRE APPROVE THE INQUIRIES BY THE DEALERSHIP OR LOAN COMPANIES.
Consumer complaint received 2018-04-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (FL)

Unfair and deceptive practices Was sold a car that was mechanically unsafe due to prior accident. Car title may have been washed. Have emails stating car is 100 ok and warranty sold would cover eveything. Credit Acceptance Corp has verified this to be the case but is still stating Im responsible. Car also sold 2200 above book value with a 23 percent interest rate. Loan cimpany attempting to reach out to dealer to resolve complaint but because dealer wont respond they said is my problem. Loan date XX/XX/XXXX Email to dealer XX/XX/XXXX about mechanical issues, Diagnostic done by XXXX XX/XX/XXXXand XX/XX/XXXX, warranty company denied claim XX/XX/XXXX stating cars mechanical issues pre exsisting and known at time of sale. Several emails sent to finance company and requesting status of investigation but no response. Call several times for status no response. Car sale from XXXX XXXX XXXX XXXX Fl, XXXX XXXX XXXX is Credit Acceptance Corporation in XXXX. I live in Florida Emailed complait to National Division of Motor vehicles, emailed complaint to Florida and Michican attorney General And now you Division of banks. 

Need help here pleade. Are several complaints on finance company deceptive practices but no resolve
Consumer complaint received 2021-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (GA)

I made an online purchase of {$1600.00} on XXXX XXXX website for a XXXXXXXX XXXX on XX/XX/2021. The package was delivered by XXXX on XX/XX/2021. Upon opening the packaging, I realized the item I purchased was not inside. There was only an empty box. I immediately contacted the merchant and they started a claim with XXXX. XXXX picked up the packaging the following day, XX/XX/2021, and provided me with a receipt. I disputed the charge with Navy Federal. Navy Federal later rejects my claim saying the merchant advised I received the product but the supporting documentation that was provided showed the package was delivered to my house but also picked up and returned to sender. Navy Federal would not allow me to provide further documentation to support my claim. The merchant refuses to refund me because they stated I received a chargeback from my card which I did not. They will not reopen the claim with XXXX. I have provided sufficient documentation to the merchant that Navy Federal rejected my claim and I have tried to provide documentation to Navy federal to show that I have complied with XXXX investigation. At this point, I am thoroughly disappointed in Navy Federals one sided investigation. There loyalty should have been to me the member and they should have thoroughly assessed the documents they received from the merchant which shows that the packaging had been returned.
Consumer complaint received 2020-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I called Bank of America in late XX/XX/XXXX and asked for help with my credit card due to the covid-19 pandemic crisis. I specifically asked for a lower interest rate but was told that I could only postpone payments but Im writing this because that would only exacerbate the problem resulting in a higher balance in a few months making it even harder to pay this card. 
Ive had this credit card for a few years and was making large payments back in XXXX. But I had to relocate due to the XXXX XXXX fires and my XXXX and take a lesser paying job and pay a higher rent so I couldnt make high payments but continued making payments on time for the past 2 years. Unfortunately, the high interest rates diminished my payments and made it impossible for someone in my situation which is even worsened now by another natural disaster to pay off this card. 
Ive paid {$530.00} in interest only during XXXX ( XXXX XXXX statement attached ). Ive paid {$680.00} in interest only during XXXX ( XX/XX/XXXX statement attached ). Ive paid {$190.00} in interest only this year up to the time of my last statement of XX/XX/XXXX. These add up to {$1400.00}. 
My average balance has been a little more than {$2000.00} since the beginning of XXXX. Ive already paid more than half of what I owe in interest which is at 22.99 % now but was 23.99 % in XXXX and 24.49 % in XXXX. Therefore, I ask Bank of America to please help me by lowering the interest rate at least 10 points so that I can pay this balance off.
Consumer complaint received 2017-08-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IL)

On three separate occasions I have requested documents from my servicer through email. I have requested all original documents pertaining to my loan with my signature on it. Each time that I have requested the documents they acknowledged receipt of the request, but they have not followed up on the request at all. I do have email confirmation of the request and the receipt of the request. The first request was made on XXXX XXXX, 2017 and they acknowledged receipt on the same day. On XXXX XXXX, 2017 they responded and basically said send my loan number, as if they could n't get it from my email address. I sent my loan number back that same day, and have yet to hear from them regarding this issue. On XX/XX/XXXX, I sent another request and told them they had 30 days to comply or tell me they need more time in which they had 60 days. Now here it is the XXXX of XXXX, 2017 and they have yet to respond. PLEASE HELP
Consumer complaint received 2023-01-31
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them in my file right away : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TX)

Please refer my previous CFPB complainat " XXXX '' on XX/XX/2021. 
I have Citibank 's Interest checking account. Got an email from Citigroup which stated that for any direct deposits, I will get upto 2 % cash back ( up to {$100.00} ). I have direct deposit of my salary two times of {$2500.00} each duringXX/XX/2021 ( one on XX/XX/XXXX and another one on XX/XX/2021 - both {$2500.00} ) on after following this promotion all the conditions. But I haven't received {$100.00} for these direct deposit activities. I can not keep this account open forever to get this {$100.00} as during pandemic my money ( {$5000.00} ) in this account is blocked ( very low interest rates ). Dealing with totally inefficient Citibank customer service is good for nothing. Already talked to them for at least 3 times via chat regarding the same issue. This bank is so large and inefficient that left hand doesn't know what right hand is doing. Customer service is just looking to pass the buck from one team/person to another. 
Citi just want to block the money for dubious promotions plus terms and conditions. Citi will keep on moving the goal post like this. 


Citi stated in their response that : However, if you would like to continue participating in this promotion please complete two additional direct deposits, one in the month of XXXX, and one in XXXX. Thereafter, if the remaining terms and conditions are met the 2 % cash back bonus ( up to {$100.00} ) would be applied to your account ending in XXXX on or before XX/XX/2021. 

Even after meeting that condition I haven't got {$100.00} cash back bonus.
Consumer complaint received 2023-01-31
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-19
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. (GA)

XXXX, Transunion and XXXX has countless times allowed creditors to illegally add items to my credit report without verifying or validating this information, the following account from XXXX. XXXX XXXX Ive sent several certified letters demanding them validate any account they claim belongs to me and each time i have demanded this information this company has ignored my request but still was allowed to post this inaccurate information to each of my credit reports.
Consumer complaint received 2024-02-22
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. (MI)

I am disputing these inquiries that was not made by me and was not authorized on my behalf I do not recognize these inquiries and need them removed from my credit profile immediately. 

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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-04
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. (NC)

XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$1800.00} on the XXXX XXXX original creditor XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) My mother-in-law originally purchased the phone however, before I was XXXX we contacted XXXX  and cancelled this account because I was going to be XXXX to XXXX. The phone did not have area coverage in XXXX. ( I have attached a copy of my XXXX paperwork for reference. ) We were assured by the representative that I spoke to that this account was closed and in good standing and that there was no outstanding balances due. We were not aware that this account had falsely gone to collection until I obtained a recent copy of my credit report. Pursuant to the Servicemembers Civil Relief Act ( SCRA ) benefits offered by the SCRA Lets you terminate your telecom contracts ( telephone, cable, internet, video & audio streaming, etc. ) if you relocate for at least 90 days to a location that doesn't have coverage under your current provider, as well as that if you use any of your SCRA rights and delay payments it won't reflect on your credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2017-08-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: DISCOVER BANK (MI)

I am a XXXX veteran and for the past 5 years I have been getting phone calls from Discover, Discover Credit card, discover Credit, Discover personal loans, Discover Home loans. The names that they use go on and on. I have been hassled by them so may time it is hard to remember all of them. About 3 or 4 years ago I received a call from Discover Home Loans stating that they own my mortgage and I need to pay them with in 30 Days or they will foreclose on my home! I call my mortgage company and was told that it was just another scam by Discover to seal people homes and that they still own my mortgage! And a few times I would pay Discover Card on line {$100.00} they would try to get {$10000.00} from my bank! Computer error they claim!
Consumer complaint received 2020-05-04
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. (IN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC. (MO)

HSBC CREDIT CARD ending in XXXX now ending in XXXX ; On or about XX/XX/XXXX I received a paper statement showing that the entire credit limit of {$5000.00}. was used. I called and notified HSBC that this was fraud. I had not used my card for anything. The HSBC is a backup emergency card that I do not use. They informed me they would cancel that credit card and send me a new one ; which they did. The letter from HSBC acknowledging the  unauthorized use on my card was dated XX/XX/XXXX with the new card, received on XXXX XXXX or so. I then received a 2nd credit card statement with a balance owing of {$210.00} and a due date ( DD ) of XXXX XXXX, XXXX. I called HSBC fraud team again and informed them that these were not my charges and repeated I had not used my card. They said they would remove these fees and  charges of the $ XXXX fraudulent cash advance. Then I received a 3rd cc statement stating I had an amount owing of {$220.00}, with additional fees and charges on the original and subsequent fraudulent charges, fees, and interest. I called HSBC on Sun,  XX/XX/XXXX and repeated these were not my charges. I was told I would have to call back between M-F XXXX CT. I have called the HSBC fraud team today, XX/XX/XXXX again and asked them to remove these charges. Again they inform me that it will have to be investigated. One fee of {$96.00} was for the check written for the {$5000.00}. How could they even authorized going over my credit  limit of $ XXXX? I am sorry but enough is enough. These are fraudulent charges. Further, HSBC had reported late payments to the Credit Bureaus affecting my credit score and these are not even my charges. How can I get HSBC to stop billing me for fees and charges that are not mine? How can I get HSBC to correct their late payment reporting to the credit bureaus? How can this situation get rectified? Thank you.
Consumer complaint received 2017-08-06
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. (NY)

I am submitting this dispute on XXXX XXXX XXXX that is reporting on my experian credit report. This bank is reporting the account was opened in XX/XX/XXXX.This account had fraudulant activity on it and I reported it back in XX/XX/XXXX to XXXX XXXX XXXX that there was fraud. It has been proven and deleted off my other 2 credit reports ( XXXX and XXXX ) however experian is still reporting it. It is also reporting then it stops reporting for 2 years XX/XX/XXXX/XX/XX/XXXXthen they start reporting again then off again. This is completely wrong as having this incorrect information on my experian credit report is affecting my credit score in a negative way. I 've tried to resolve this issue with experian but to no avail I get nowhere. I want this account removed off my experian credit report. I should not be held liable for an account that was fraudulant.
Consumer complaint received 2021-05-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I deposited cashiers check for XXXX to Bank of America on XX/XX/2021 to the landlords account she provided me with, I was going to rent a house from. It turned out to be scam, and the house is not available for rent. Someone named XXXX XXXX and XXXX XXXX ( realtor ) reached out to me after my application and sent me rental agreement and asked for the deposit to secure the rental. These people are scam. There are few more families that they fooled. The house is occupied by the owners, and they stating that we are the fourth people coming in and telling that we have rented this house. I called BOA today and they told me to go to my bank XXXX. XXXX told me that they are not going to open a claim because I purchased cashiers check myself and deposited it to XXXX account. Please help me. My family with XXXX children is literally homeless now. Not enough that we lost XXXX XXXX we also dont have a house to move in, and I even had to cancel moving truck today, and lost another XXXX there due to my cancellation
Consumer complaint received 2020-05-04
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. (MN)

I went online and try to submit a dispute my credit and information with XXXX, EQUAFAX, XXXX the big 3 credit bureau because they have missed lead other finances company stated I owe money and has open collection know that my credit score should be on a rise I also file and has a bankruptcy chapter XXXX discharged and yet this company made it impossible of for me of getting any finance for vehicle or open a credit card so I can establish my credit this is called a punishment I received from XXXX  because I file bankruptcy and fact was they work with banks and other finance company so that I can't get back up on track because I file bankruptcy chapter XXXX and it was discharged by law I am protected under the bankruptcy law.
Consumer complaint received 2021-09-14
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. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VANDERBILT MORTGAGE & FINANCE, INC (VA)

I called Vanderbilt Mortgage to see why they reported an increase to.my balance when I pay on time and extra. They claimed that the problem was XXXX that they didnt report that amount. When my dispute was completed with XXXX it said account was accurate.When I looked at the payment reports it doesn't show where I paid extra. I feel like i am getting the run around. This increase made my score drop. They need to fix this.