davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (MD)

I applied for a loan for a XXXX XXXX  with XXXX. I created a account with my up to date information and your corporation denied me because you couldnt validate my information. 

I called your corporation and your customer service against said my information does not match public records. 

I asked to upload documents and the rep said they couldnt do that.
Consumer complaint received 2021-10-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CO)

I was charged {$1100.00} on from Comenity Capital Bank I did not authorize this charge. I authorized a charge for {$280.00} each month on the XXXX. I was incorrectly charged for the full balance due. The credit card company has offered a refund of {$1100.00} but will take up to 3 weeks to process. Again I did not authorize this charge. I called the bank as well to dispute the charge.
Consumer complaint received 2021-09-20
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. (GA)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2019-08-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (WA)

Applied for Income Driven Repayment plan on XX/XX/2019 and I have still not received a response. Today is XX/XX/2019 and below is what I was notified on my account : Income-Driven Repayment ( IDR ) Received Hide Details We received your IDR request on XX/XX/2019. We will review your request and send a follow up email by XX/XX/2019. This email will detail next steps and any additional actions needed. 

Reminder : Continue to make your normal monthly payment amount until you are approved and receive a bill with your adjusted monthly payment.
Consumer complaint received 2018-02-03
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. (OH)

on XX/XX/XXXX I contacted all 3 credit bureaus to complain of fraud against my credit because 2 bills showed up on my credit from XX/XX/XXXX that do not belong to me. There is no contact on file signed by me and I requested this be investigated and removed from my credit permanently and I haven't heard anything back from any of these companies. Please remove these items from my credit because its keeping me from getting new credit and these accounts don't even belong to me. There shouldn't be ANY negative items on my credit report as I have paid off all bills I owe on time.
Consumer complaint received 2021-06-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank is holding up our 'Residential Subordination Agreement Request ', Please help! 

We Completed the form and provided payment back on XX/XX/XXXX, to obtain from TD Bank a 'Subordination Agreement Request '. We are trying to re-finance our current 1st Mortgage and need TD to complete this subordination agreement to remain in second position. 

TD Bank mentions this process should only take approximately 30 days, and we are here today more than 60 days later with no news from TD Bank, and no means to reach out to them. 

Can TD Bank provides an update on our 'Residential Subordination Agreement Request '? 
We have reached out to our TD Branch Manager XXXX XXXX, but he could not get an update from the Bank other than it is still processing. Our Closing Attorney also tried to reach out to TD with No success. 

Please help tell TD Bank, to process our 'Residential Subordination Agreement Request ' in a timely matter.
Consumer complaint received 2019-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I have been a customer of Wells Fargo Mortgage for 13 years. I have had an adjustable mortgage since 2006. I noticed this week that my payments of XXXX every two weeks was not properly being calculated correctly for interest and principal. I just noticed that I haven't received and documentation on this matter, since I was on a debit transaction from Wells Fargo from my bank account. every two weeks. My complaint is that when I checked my credit payment history I had paid down only a small amount of principal. If I paid XXXX monthly which is XXXX monthly I only saw XXXX in principal drop. That meant I paid XXXX a month in interest. When I spoke to the corporate office they explained, I should have told them to put the additional money towards principal. Which I didn't know to do. From what I understand, The amount to pay every two weeks was {$1800.00} I sent XXXX for 13 years and 2 months a year was three payments. All of these payments were not correctly applied to the loan. I feel this loan was dishonest and not communicated to me correctly, Thank you, I would have refinanced if I knew of there actions.
Consumer complaint received 2022-10-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

On XX/XX/XXXX, XXXXennyMac Loan Services pre-approved me for a fixed-rate 30-year conventional loan for $ XXXX.On XX/XX/XXXX, the Sellers accepted my offer of $ XXXX to purchase their single-family home listed for {$590000.00}, which was built in XXXX. 

The Home Inspection was performed on XX/XX/XXXX, and the Home Appraisal was completed on or about XX/XX/XXXX. The Closing Date is XX/XX/XXXX. 

The issue I'm encountering is with the completed home appraisal. According to my lender, the appraisal management company, XXXX, is not releasing the appraisal stating they are pending revision from the appraiser and are not giving my lender any additional information or reason. This has been ongoing since XX/XX/XXXX. According to the lender, XXXX continually states the same reason, an incomplete appraisal. My agent assures me that he has never encountered a home appraisal taking this long to be submitted. 

It is now three weeks post-appraisal, and I am getting anxious that I may not be able to close on time and potentially lose the home.
Consumer complaint received 2021-09-20
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: Carvana Group, LLC (TX)

I have typed letters to each Bureau indicating my name and address ; also unknown Inquiries on my credit report. This was information I provided was back in XX/XX/2021 2021
Consumer complaint received 2021-09-20
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: BARCLAYS BANK DELAWARE (FL)

My XXXX XXXX VISA card was transferred to Bacalys bank. I never received my new Barclays XXXX MasterCard in the mail. I tried calling Barclays customer service at XXXX but was unable to speak with a Customer Relationship Agent. I called several times and was put on hold for 45 minutes each time. I fear my new credit card is lost and it will be used by an unauthorized person. I have not activated the card as I have not received it. My account ends in XXXX.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.
Consumer complaint received 2020-11-05
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00}, {$9100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9100.00} -This is not my account.
Consumer complaint received 2022-04-28
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. (TX)

Previous CFPB Complaint # XXXX After 5 years my request was again - REAL SIMPLE SEND THE PROOF OF PERMISSIBLE PERMISSION TO ACCESS AND SUBMIT MY CREDIT REPORT TO AND FOR XXXX XXXX XXXX XXXX IN XX/XX/2017. IF YOU CAN NOT UNDERSTAND THIS REQUEST, ASK A FIRST GRADER TO READ AND HELP YOU. 
Experians Reply - In your complaint, you indicate that an inaccurate account continues to report to your credit report. You are requesting the removal of the inaccurate item. 
Do I need to further explain my complaint?
Consumer complaint received 2021-05-03
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 — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC. (WA)

Ally Financial Services is my lendor for my vehicle loan. Last year I requested and paid additional dollars to place my account on deferrment on XXXX. They told me that this would not show negative on my credit reporting since I was on deferrment, however they listed me as being 30 days late on XXXX and XXXX of 2020. I disputed this reporting. Then they came back and reposted my 30 days late for those months. I began a loan process for a home and had to remove the disputes so I could get the loan to go through without penalities or downgrading of my loan. I sent Ally a registered letter to remove the dispute, after 45 days they sent me a letter stating the dispute was removed but it was not. I reached out to the credit bureaus to remove the dispute, both XXXX and XXXX removed the dispute immediately. XXXX stated it would take 30 days, they would not escallate the removal of the comments. My lender is having to downgrade my loan, which increases my interest rate and my cost for the property. I would like for both XXXX and Ally Financial Services to be investigated and for them to be penalized for their LACK of actions as it is impacting my ability for this mortagage.
Consumer complaint received 2021-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC (FL)

Racism and discrimination Closed my account before I authorized/no notice I contacted to close month before but they just reversed my pay They took {$75.00} annual fee without letting me know in notice first I DID NOT KNOW ELSE I WOUKD HAVE CLOSED They were trying to sabotage my credit
Consumer complaint received 2023-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: AXOS FINANCIAL, INC. (PA)

I tried to do a mobil deposit on XX/XX/XXXX- There was no notice the system was malfunctioning. I finally received a reply on XX/XX/23 advising they have technical difficulties and to try in 24 hours. 

In 24 hours I tried again, and it still does not work. I have emailed on XXXX, XXXX and again on XXXX with no reply from the bank. There is no notice on their website and it is IMPOSSIBLE to connect w a human at this bank. They have a virtual assistant that is never of any use. 

I had a problem on XX/XX/23 where one of my bill pay checks never made it to the receiver. It took me until XX/XX/XXXX to get a reply. Then I followed up with them on XXXX as a result of their reply and never heard back from them until XX/XX/XXXX. This is unacceptable. They do no reply in 24 hours and impossible to connect with a human being.
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an ek open end consumer credit plan as late for any purpose. 
XXXX
Consumer complaint received 2021-05-03
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. (VA)

Please see attachments. XXXX XXXX XXXX XXXX. was hired or assigned an alleged debt by XXXX by XXXX XXXX also known as XXXX XXXX XXXX. This account is labeled as a charge off on my consumer credit report without my consent and there's no legal nor lawful definition defining exactly what this is. Again please see attachments. This isn't a permissible purpose, they have no consent from me, the consumer/original creditor. I demand XXXX XXXX XXXX to be held accountable pursuant to 15 USC 1611 on top of the other violations committed between themselves and XXXX XXXX XXXX.
Consumer complaint received 2024-03-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK (SC)

Criminal Fraudulent scam wire for {$18000.00} got transferred from my Discover Cashback Debit Checking Account on XX/XX/2024. I contacted the bank in time to inform of the compromise and requested for a SWIFT recall. I have been calling everyday for 1 week and they do not have any updates. They are uncertain where my funds went. I have also reported the incident to the FBI IC3 and FTC.
Consumer complaint received 2020-06-02
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. (FL)

To It May Concern ; I had An incident where someone broke in my house, ever since that happen my identity has been used by an unknow source. these Accounts are Related to Fraud. I did not Authorize these Account. 
Attached is the police Report of what happen at my home
Consumer complaint received 2019-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MD)

On or around XX/XX/2019 I noticed this debt had been placed on my credit report. I've since contacted the original creditor ( XXXX XXXX, to verify this debt as required, requesting the following : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor A breakdown of the total amount due, showing principal, interest, and other charges ; and for all other charges, the date of and the basis for each charge. 

I have not received any of this information, in turn, I disputed this charge because I do not recognize this debt and I do not owe any money to this creditor. Furthermore, this debt was sold to a collections agency without my knowledge of this debt. I monitor my report monthly and I have been a responsible consumer and this is an unfamiliar debt. If it were indeed valid it would have been paid. I am requesting that this debt be removed from my report.
Consumer complaint received 2022-01-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (NY)

In an attempt to set me behind on payments and leverage unjustified late fees to my account, Bridgecrest has deemed my account " ineligible for autopay. '' I therefore have to remember to call them and make manual payments every XXXX weeks. They have unfairly applied late fees to my account and have made no effort to resolve this matter. I am even on the phone to them right now as we speak, and have been on hold for XXXX minutes.
Consumer complaint received 2021-10-26
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (OH)

I purchased a crock pot with a Best Buy Visa card. I returned the crock pot back to the store brand new. I was told by the manager at Best Buy that they refunded back to the same method of payment I explained we dont have the card and it was a Best Buy card. They refuse to give me a credit and took my crock pot. This is stealing and fraud
Consumer complaint received 2021-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

some one has stolen my identity and has been using it for years. Every now and then new account that I did not open appear on my credit. Weird letters are coming to my house and I am getting weird phone calls. I never every in my life opened a XXXX  XXXX  rewards card but they keep on appearing on my credit report with a high balance and late payments that account does not belong to me and I have been trying to get this resolved for years. 

I have a fraud account that has popped up on all three of my reports named XXXX XXXX I do not know what this is or neither did I authorize this account. These accounts are FRAUD AND I DID NOT OPEN THESE ACCOUNTS. SOMEBODY IS PRETENDING TO BE ME AND OPENING ACCOUNTS and I do not know how when I have a fraud alert on my reports. 

There are fraudelent inquires from XXXX/XXXX XXXX XXXX/XXXX
Consumer complaint received 2021-05-03
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: SYNCHRONY FINANCIAL (FL)

There are several inquiries on my credit only recently that I did not authorize or consent to as I have been trying to repair my credit! I have contacted some of the inquiries as they have been difficult to connect with! Please help resolve this. 

Thank you!
Consumer complaint received 2019-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

I have requested my annual free credit report from Equifax once a year for the past 6 years. I have never received one. I have contacted Equifax via phone and email many times. I have still not received my free report. 

I have used the on-line service to get my report several times. After each time I have had to pay for the report.