davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (AZ)

opened Robinhood account deposited funds into the broker account XX/XX/21 - XX/XX/21, funds cleared my account on XX/XX/21 after trying to use debt card i received from Robinhood they restricted use of card. Ask to provide identification again after already being submitted. Once submitted was told that i had to resend front copy of social security card because it looked like a photo of a photo when in fact i took real live photo. After resubmission i still have yet to receive response from company and my debt card and funds are still placed under restriction as of XX/XX/21 ive reached out by phone and email several times and they have not helped me.
Consumer complaint received 2019-03-15
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: Experian Information Solutions Inc. (TX)

I checked my 3 credit bureaus ( XXXX, Experian, XXXX ) and found many unauthorized inquiries that I did not recognize. I am trying to close on a home and the creditors that made the unauthorized inquiries refuse to either investigate or remove them. Please help. This is destroying my credit.
Consumer complaint received 2020-01-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bread Financial Holdings, Inc. (WI)

On XX/XX/2020, a representative of Commenity Bank for XXXX XXXX contacted my business looking for employment verification. When I answered the phone, they started talking to me about my debt and arguing with me about it while I was at work. I have talked to several employees of Commenity Bank to resolve this issue and they were very rude and did not attempt to work with my on the issue. I have been making payments of {$25.00} a month for the last four months and now they are threatening to take me to court because they do not want to work with me. Since they do not want to work with me. I want them to write off the debt and I owe them nothing. This Bank needs be trained in customer service.
Consumer complaint received 2018-02-05
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Seterus, Inc. (TX)

I filed bankruptcy in XX/XX/XXXX and included my XXXX Home in the bankruptcy. The chapter XXXX bankruptcy was discharged in XX/XX/XXXX. Over the nest few years I worked hard to rebuild my credit, moving to XXXX for a better job. In XX/XX/XXXX my husband and I applied for a mortgage and were approved up until 2 days before the closing. We were told that we could not close because the home had never gone to foreclosure sale. I tried for the next couple of years to find out why and no one could answer me. Finally in XX/XX/XXXX I was issued a foreclosure notice along with a " Notice of Filing the Original Affidavit of Lost Note ''. Because of the incompetence of XXXX XXXX and Seterus, the company then handling the note, I was unable to purchase a home I qualified for in every other respect. I believe I am entitled to some kind of compensation for this problem and negligence.. It was no doing of mine, I followed all of the procedures I was supposed to and was held back from purchasing my home. With only 2 days notice, my husband and I had to put all of our belongings in storage for a month and live in a hotel until we could find a home to rent. I have had to rent since then.
Consumer complaint received 2019-03-14
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. (NC)

I am sending this complaint forward as I have attempted to dispute fraudulent accounts and information on my credit reports, yet to no avail. I need to have these accounts reviewed along with the Identity Theft validating documents.
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MO)

Company LexisNexis has multiple inaccurate criminal and motor vehicle background reporting for my records in the state of Connecticut. I have contacted them via phone and email communication starting X/XX/2017. During my contact I established ticket ID # XXXX. I also at the same time email over a copy of my FBI National Identity History Summary Check and also a CT State Police fingerprint supported background check. I have received no response from the company after multiple contact attempt, last of which is on XX/XX/XXXX. Please help me as this inaccurate record would hurt my current Job seeking abilities and is a time sensitive issue. Thank you in advance.
Consumer complaint received 2021-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Since I can not add any new notes to the issues with Bank of American : Bank of America called me in reference to XXXX, they proceeded to tell me in my voice mail to call XXXX and to put in extension XXXX. When you try to this the automated system asks you to enter - so you enter, it fails to recognize the numbers and then hangs up on you. To date I have been hung up on 10 times by these incompetent automated systems and personnel at Bank of America. This was attempted 3 times. This is BofA 's attempt to create bureaucracy and then they can " say '' they reached out to the customer to solve the problem when in fact their system does not allow a callback. 

Further when this fails it states on the recording to call XXXX and when you call that number they tell you that that has nothing to do with a credit card. 

Again this unworthy company should be shut down - and what they are doing should be considered fraudulent.
Consumer complaint received 2019-03-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

I secured an auto loan from USAA in XX/XX/2018. I was told the interest rate on the loan will be 4.27 % based on my credit report. I agreed on the terms and the documents were sent over the phone for me to sign. I had less than five minutes to sign the electronic documents because the loan officer was wating in the phone. I have made payments on the loan over a year with no missed payments but the amount is not decreasing. I called the bank to inquire and I was told the vehicle 's age and the amount changed the intrest rate to 8.25 % and there is nothing they can do because I should have read the fine prints before signing the contract. 
I was not informed about this change until two days ago.
Consumer complaint received 2019-03-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LCO Financial Services, LLC (NJ)

I called the company today to pay off the remaining of my principal balance. When they offer me the loan before, they said i can pay off the loan any time without any penalty. I have remaining {$640.00} on my principal balance. They said they can not process my payment because they already processing the {$190.00} payment that is due for tomorrow. So I said fine, then process the remaining {$630.00}, the remainder after that {$190.00} deductions. They said, they can not process it till Monday. Today is just Thursday. Then they said, on Monday, it will be {$660.00} and some cents. I asked, is that even after they deducts {$190.00} from my account?, they said yes. I said why is it too much. They said, because of the interest fee on those days before Monday. I said, that is why I am paying it off now, to avoid additional interests fee. They gave me a hard time over the phone. I attached the summary of the breakdown of my payments supposed to be. But this people lied about I can cancel at any time without any penalties. I have another loan that I also just paid off. They let me pay it off without question. They even made some deductions on my remaining principal balance because I was paying it off. But this company wont do that, and they have very high interest rate on top of it.
Consumer complaint received 2022-04-29
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights, 15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX HAS XXXX TO RECITIFY THE LATE PAYMENT ON MY CREDIT. XXXX IS THE ONLY BUREAU TO REPORT SUCH UPDATED INFORMATION. XXXX AND EXPERIAN ARE STILL REPORTING THE LATE PAYMENT. THIS NEEDS TO BE CORRECTED ASAP. I HAVE ATTACHED THE LETTER FROM XXXX.
Consumer complaint received 2018-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NY)

I have had a credit card with Chase Bank since XX/XX/XXXX. I have never had a late payment or a returned payment. I make several payments on the card monthly. Since XX/XX/XXXX Chase will post the payment to my account/make credit available and then the next day put the payment on hold and remove the payment from my available credit. This causes issues because purchases start to be declined. Chase gives me no justifiable reason why they done this.
Consumer complaint received 2019-08-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: S&S Physician Services, Inc. (TX)

Orginal Debit : XXXX XXXX XXXX XXXX Balance {$43.00} XX/XX/2019 Did not give auth for medical bills to be released to 3rd party do not know who this is have not been to the hospital in XX/XX/2019. Violates my HIPAA information. Do not want my medical history sent out to 3rd party people.
Consumer complaint received 2018-03-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I own a XXXX XXXX and I have XXXX XXXX banking relationship with Bank Of America ( unfortunately ). I also have a credit card linked to XXXX checking account. 
In XX/XX/XXXX, I traveled to XXXX on a business trip and used my credit card once in a restaurant. That was the only time I used Bank of America Credit Card in XXXX. In XX/XX/XXXX, when I returned to US from XXXX I noticed two large transactions on my credit card account, totaling about {$6000.00}. Both transactions were unauthorized and were made somewhere in XXXX. I called Bank of America XXXX XXXX Credit Card unit and disputed both unauthorized transactions. Bank of America gave me a temporary credit and issued a replacement credit card as usual. 
A week later I received a letter in mail to identify the transactions to return to BAC. I identified the transactions ( only 2 as stated above ) and singed off the document and it was mailed back to Bank of America. 
Couple of weeks later I received a letter in the mail informing that Bank of America investigated the disputes and they found those charges to be valid. Their reasoning was that it was credit card chip read and/or PIN was entered. The temporary credit was reversed and now I am liable for unauthorized charges in my credit card account. 
I called the number in letter and they told me the same thing that these charges are valid while I kept telling them that I did not make those purchases. But they will not listen. They reopened the issue and it was denied for the same reason. Then they ask me about my possession of the card and I told them that I was working in an office and a lab ( both in same building ) and my card stayed with all other credit cards and my passport in my laptop bag. So they concluded that I did not secure my credit card and someone used them while the card was in my bag. The funny thing is, they failed to explain how someone stole my card, used it and returned it back to my bag in TWO SEPARATE OCCASIONS? 

Here are the details of each unauthorized charge : XX/XX/XXXX - XXXX XXXX - {$5400.00} ( + {$160.00} International Transaction Fee ) XX/XX/XXXX - XXXX XXXX - {$420.00} ( XXXX International Transaction Fee ) Account number ending in XXXX Case number is XXXX While I was applying for this credit card they promised " {$0.00} liability protection for unauthorized transactions '' but now they are trying to say unauthorized transactions are valid. Bank of America is not willing to accept that the card/number has been compromised and has been used by unauthorized person/persons in two different occasions on two different dates. They are blaming me for not securing my card. At one point one of the reps told me that I have to hand carry my card at all times including in the bathroom. Yes, thats right those were the exact words she used.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (CA)

In XXXX of 2022 I submitted a dispute for a service that never took place due to XXXX XXXX. I am over 180 days later and the issue has not been resolved. When yiu attempt to call customer service you are on hold for over XXXX minutes only to get disconnected or hung up on by an agent. I sent numerous emails and I just keep hearing this will take 90 days. We are over 180 days now and still nothing clear about what is happening. And I am getting very frustrated with getting clear answers.i believe this is happening because once I pay off the card they will no longer offer a refund. So they are prolonging it so that I don't receive a refund
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: EQUIFAX, INC. (FL)

I was going over my credit when I saw an account on there that was not mine! This is a huge error or fraud! I'm the only one allowed to use my credit and I haven't gave permission to anyone else. This account does not even have any connection or relationship to any account or transaction that i approved of using my credit!
Consumer complaint received 2018-02-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (GA)

Loan paid off through auction but total loan amount is still reporting negatively which has prevented me in getting a new car loan? 

This is what its currently reporting but the entire loan has been paid off? 

You've paid off 26 % of the original amount. 
Balance {$20000.00} Highest Balance {$27000.00} Monthly payment {$670.00} Opened XX/XX/XXXX ( 4 yrs, 6 mos ) Term 74 months Payment History Last payment XX/XX/XXXX Current Payment Status In Collections/Charge-off Worst Payment Status No Info Account Details Account status Closed Type Automobile Responsibility Individual Remarks Charged off as bad debt Profit and loss write-off Times 30/60/90 days late XX/XX/XXXX Closed XX/XX/XXXX
Consumer complaint received 2018-03-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

THIS IS NOT A DUPLICATE COMPLAINT This is a new complaint written on XX/XX/2018 addressing Ocwen Loan Servicing 's illegal attempt to sell my home scheduled for XX/XX/2018. 

For the seventh time, Ocwen Loan Servicing is attempting to illegally sell MY home. I have had to file previous complaints to address the previous six illegal attempts of this entity to sell my property. Once again, Ocwen Loan Servicing is in gross and blatant violation of CFPB regulations, federal and state law, and a consent judgment governing their behavior. What is it going to take to stop the illegal behavior of this entity? 
We have been struggling to have our mortgage modified with Ocwen Loan Servicing for a number of years now. We have always qualified easily for a modification, but this company has done everything they can do to avoid modifying the mortgage. They have instead continually attempted to foreclose on us illegally, in clear violation of CFPB regulations. Because of a consent judgment against Ocwen Loan Servicing, this company is required to follow a very specific modification process and they are required to modify the mortgage. Ocwen Loan Servicing is completely out of control and we desperately need protection against their endless unlawful attacks. It is likely that the activities of this company are negatively affecting many Americans. 

Specifically, through their haphazard implementation of a fictitious modification process, Ocwen has continually disregarded numerous provisions of the Home Affordable Modification Program ( HAMP ) enacted under the Troubled Asset Relief Program ( TARP provision of the Emergency Economic Stabilization Act of 2008, Pub.L. No. 110- 343 ; 122 Stat. 3765 ; 12 U.S. C. 5201, 5211-5241 ; 5219 ( a ) ), Regulation X, 12 C.F.R. 1024.41 ( g ) and ( j ), Regulation X 1024.35 ( b ) ( 10 ) and other laws over and over again. 

In addition to the modification problems, they have also been dual-tracking me by continually attempting to foreclose on me while I have been in the active modification process the whole time. We clearly and easily qualify for a modification, and these people know that. Blatantly attempting to foreclose on and steal the home of someone who clearly qualifies for a mandatory modification is a grossly criminal act. This complaint should be referred to the appropriate authorities for criminal prosecution.
Consumer complaint received 2022-11-16
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2018-03-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C. (PA)

I did not receive anything from these creditors I have sent CERTIFIED letters to them for the past few months, disputed with the credit bureaus and I have heard nothing. I currently have an open account with XXXX that is up to date with no past due balance however there is an account for {$1500.00} reporting on my credit profile unverified.
Consumer complaint received 2022-08-09
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: Upgrade, Inc. (FL)

I had an account with Upgrade Inc ( XXXX # XXXX ) and during Covid I was not able to make payment. The account was then charged off and then send to collection. I made a settlement with collection and paid it off almost 6 months ago. For some reason, the account has never been updated. 
In accordance with the Fair Credit Report Act XXXX Account # XXXX Has violated my right. 15 U.S.C 1681 section 602 A. which states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states A consumer reporting agency can not furnish an account without my writing instruction.
Consumer complaint received 2018-02-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I have an auto loan with XXXX XXXX XXXX. It was opened in 2014. I have made timely payments for the past 9 months, and they are not accurately reporting the on time payments to the credit bureaus, however, if I make a payment late, they are prompt in reporting the late payment. I have contacted the creditor directly, however, all they are able to tell me is " I have emailed the credit reporting department. '' And this is still to no resolve.
Consumer complaint received 2021-01-22
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. (OH)

I advised the credit reporting agency is breaking the law and asked for the inaccurate account be deleted and removed from my credit profile.
Consumer complaint received 2019-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I had a balance of {$3400.00} that was due on XX/XX/XXXX. I paid the entire balance of {$3400.00} on XX/XX/XXXX. Recd a bill today ( XX/XX/XXXX ) for {$33.00}, spoke to XXXX at Capital 1, who stated they charged me interest, even thou it was paid before the due date. Which I paid on the phone today with her a now total of {$33.00}? so they are charging me interest on interest? my balance was paid in full on XX/XX/XXXX? and she said I would get another bill on XX/XX/XXXX, there shouldn't be a balance? So I closed my account and paid it in full on XXXX XXXX, XXXX How can they still charge me interest? and it still accruing? I think they are over charging on the interest, when the account has been closed and no balance?
Consumer complaint received 2023-06-12
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. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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