davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CO)

I would like to dispute a late payment that has been reported to all 3 credit bureaus for XX/XX/2020. XXXX reported my account late for the month of XX/XX/2020. 
I have learned that because Covid-19 affected my finances making it difficult to make my monthly obligations, and that Congress made Covid-19 a national emergency, the Cares Act called for creditors to adjust how they report accounts to the credit bureaus that have been modified. The law requires creditors to report any account that has a payment accommodation applied to it as current to all 3 credit bureaus - as long as the account was current when the accommodation was made, which my account had been current until Covid-19 hit. The CARES ACT states the creditor needs to report to the credit bureaus that you are current on your loan. XXXX did not report my account current XX/XX/2020 and because of this, has affected my credit reports and credit scores. Because of this, as soon as I paid the account to XXXX balance recently, I canceled my account. 
Their records show that I had never been late with a payment until Covid-19 hit in XX/XX/2020 and the lock down that was ordered by the Governor of Colorado XX/XX/2020 until XX/XX/2020. 
I made 3 payments in XXXX after the due date to attempt to catch up. I respectfully request that you apply a goodwill adjustment to remove the late payment from my file.
Consumer complaint received 2019-11-12
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

I was shocked when I reviewed my credit report and found late payment on XXXX & XXXX of 2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2015-05-09
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (PA)

On XXXX XXXX my wife XXXX XXXX contacted Quickin Loans in an effort to obtain a mortgage for a {$40000.00} investment property. She spoke with XXXX XXXXXXXXXXXX. She informed him that we needed a pre approval letter and mortgage for a {$40000.00} HUD property that we planed to use for investment property. 

XXXX XXXX obtained my social security number from my wife and place a hard credit inquiry on my credit profile. He never spoke to me or obtained my permission to do so. 
I received a notification from my XXXX XXXX account that the inquiry was made by XXXX XXXX. 
XXXX XXXX got back to my cell phone number and stated that Quickin did not do loans for the amount we were requesting. 
Upon being told this I sent a text message to XXXX XXXX stating that he should have told my wife this from the beginning of her speaking with him and that he certainly should not have pulled the hard inquiry knowing that his company would not do this loan. 
He did not respond to my text message. 
Today I contacted Quickin Loans and spoke with XXXX XXXX ( XXXX ) of the consumer affairs department and shared concern and request for the removal of this hard inquiry. XXXX XXXX stated that he would have to conduct an investigation and would get back to me by Wednesday of next week. XXXX XXXX made me feel as though my wife and i were being investigated. This was unacceptable to me. His loan officers should operate with integrity and not hucksterism. I am asking that this inquiry be removed immediately and an apology be made on behalf of this incident. 

I can be reached by cell XXXX or email : XXXXXXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX
Consumer complaint received 2017-02-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (MA)

I have been XXXX for over two years during this time I requested a modification 't with Citi Mortgage got the modification approved which increased my payments but that is another story. Every since then which was 2014 I have been having small issues with them getting letters stating my modification was denied I owe back escrow things like this that I was able to resolve until now. They are saying they are foreclosing on my home because I have n't made a payment since XXXX which is completely false and everytime I called and spoke to someone they said they were looking into it and when I got a point of contact they always went on vacation or transferred to another dept so now they are no longer allowing me to pay my mortgage because I am not on a repayment plan so I will fall behind and lose my house
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CO)

I would like to dispute a late payment that has been reported to all 3 credit bureaus for XX/XX/2020. XXXX reported my account late for the month of XX/XX/2020. 
I have learned that because Covid-19 affected my finances making it difficult to make my monthly obligations, and that Congress made Covid-19 a national emergency, the Cares Act called for creditors to adjust how they report accounts to the credit bureaus that have been modified. The law requires creditors to report any account that has a payment accommodation applied to it as current to all 3 credit bureaus - as long as the account was current when the accommodation was made, which my account had been current until Covid-19 hit. The CARES ACT states the creditor needs to report to the credit bureaus that you are current on your loan. XXXX did not report my account current XX/XX/2020 and because of this, has affected my credit reports and credit scores. Because of this, as soon as I paid the account to XXXX  balance recently, I canceled my account. 
Their records show that I had never been late with a payment until Covid-19 hit in XX/XX/2020 and the lock down that was ordered by the Governor of Colorado XX/XX/2020 until XX/XX/2020. 
I made 3 payments in XXXX after the due date to attempt to catch up. I respectfully request that you apply a goodwill adjustment to remove the late payment from my file.
Consumer complaint received 2019-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

This is the email I sent the CEO 's with no response. 

XXXX XXXX Thu, XX/XX/XXXX, XXXX XXXX  ( 5 days ago ) to XXXX, XXXX, XXXX, me I am writing to have your company fix the trade lines on my husband and my Capital one account with the credit bureaus. My husband called on XX/XX/19 to dispute a {$100.00} charge from XXXX. We initially noticed this charge on our card back in XXXX. I specifically remember my husband calling XXXX to cancel the annual charge but of course they " have no record. '' That is here nor there. The issue is with your customer service. When he called on the XXXX and asked for the dispute to be created he was advised by your customer service team that we did not have to make payments and we would not be charged any late fees or interest until the dispute was resolved ( pull the call ) the number he would have called from would have been XXXX. Much to our dismay we get a notice this past month that we are not only accruing a finance charge we also incurred a late fee and Capital One reported us to the credit bureau as 30 days past due. My husband once again called on the XXXX of XXXX and was apologized to and they removed all of the fees and were told that the dispute was never created?! I am sorry, but that is a bank error that is not our error. We did what we were supposed to. Your company will fix the trade line because it was a bank error. I want both of our credit reports updated immediately. Its not about losing the dispute ( which we are now being told ) we will handle that. Its about the errors your specialists made handling our initial dispute claim back on the XXXX of XXXX. I expect this to be resolved quickly. You can call me at XXXX. I am happy to take this to social media if I don't receive a quick response.
Consumer complaint received 2020-06-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX  performed a hard inquiry that showed on XXXX XXXX. I call the institution and it was concerning a mortgage. I do not have a mortgage with XXXX XXXX. 

XXXX XXXX performed a hard inquiry that showed on XXXX XXXX. I called and they stated it was possibly a scam. I lease a car from them and they are not a lending institution. 

XXXX performed a hard inquiry that showed on XXXX XXXX. I called the institution and there was no hard inquiry on my account. 

XXXX performed a hard inquiry that showed on XXXX XXXX. This is XXXX XXXX financial institution. They do not make loans and had no idea why it would show on my report. 

XXXX performed a hard inquiry that showed on XXXX XXXX. This is a medical alert company and had no idea what I was talking about. I have no credit with them. 

All of these were performed by Experian. 

Please let me know the next steps.
Consumer complaint received 2022-04-01
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. (NH)

I experienced a XXXX point loss to credit score on XX/XX/XXXX for no reason. Transunion Score is now XXXX points lower than XXXX and XXXX, with the same reported information to all three bureaus. Transunion has failed to provide a reasonable explanation to why this is the case, other than its their proprietary scoring model that caused the score drop and the score difference between reporting agencies. 
Transunion refuses to fix or address the discrepancy or provide any transparency regarding the method in which scores are calculated, why the score dropped and why it is lower than the other reporting agencies. A large number of consumers on social media and consumer sites are complaining of Transunion Score being significantly lower than the other bureaus, or the score suddenly decreasing and fluctuating for no apparent reason, or for paying off loans to term and as agreed, paying off credit cards, or after having disputed information removed. Please open an investigation/federal inquiry to Transunion. Their scoring model is flawed, egregious and harmful to consumers, causing credit denials and higher interest rates.
Consumer complaint received 2021-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX, I noticed that my access code was changed, I recovered my password via text message. 
On XX/XX/XXXX, my access code was modified again, again I recovered my password. I was able to enter the bank 's app. 
When entering the bank 's app, I noticed that on XX/XX/XXXX and XXXX the amount of {$4900.00} was subtracted from my savings account in two XXXX transactions, on the XXXX for XXXX and on the XXXX for XXXX ( I HAVE NOT AUTHORIZED ANY OF THE XXXX TRANSACTIONS ) I called the fraud department and made the report once I noticed that I had been a victim of theft. 
On several occasions a stranger has entered my account making password changes, including phone numbers that I have not authorized, I have reported via email messages on behalf of the bank that seem fraudulent. 
The bank determined that my case did not proceed because according to its investigation these transactions were made from my cell phone ( which is not the case ). 
I need help to carry out a deeper investigation, I want to know what is happening and who is doing this.
Consumer complaint received 2021-11-05
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: CITIBANK, N.A. (NC)

Recently i received a copy of my XXXX credit report and noticed multiple inquires unauthorized inquiries i did not authorize from unknown sources, i did not give permissible purpose for XXXX or any one else to run my credit, i did not apply for loans or any credit cards. XXXX gave credit card companies access to my credit report without my person. I dispute this several times in the few months, i would get an instant result saying the dispute has been resolved, but when i access my credit file nothing has been done.
Consumer complaint received 2022-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal close my account and will not help me with getting it back up and going Im not sure if this is some mistake as I assume it has to be.i have not been able to get help from them since they have been offline and so response from email.i use PayPal frequently and my email is linked to my PayPal account is XXXX XXXX
Consumer complaint received 2021-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (IA)

XXXX - I have multiple accounts with Iowa Student Loan. One is active, payments on time, one is involved in a lawsuit brought against them by myself and the others have been closed/paid in full or charged off. I called today, XXXX and was transferred to XXXX. I have ONE account that it going through litigation, I was NOT calling about this account. I was calling for information on the OTHER accounts being serviced by ISL. XXXX refused me any information on these accounts. XXXX refused to tell me any information about a tax form I ask for from 2018 ( well before litigation ) and XXXX is refusing me information about all my other accounts in which they service. XXXX disconnected the call refusing me information about my accounts, refusing me access to copies of my recorded called and then hung up the call. 

Account information for current accounts not in litigation and past tax information on my account, such as tax forms and questions should not be withheld from me. 

I have attached a copy of all the accounts held at ISL, only the PLP01 ( XXXX ) is in litigation - all others are active or closed. I should not be withheld information on those accounts.
Consumer complaint received 2024-03-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (NY)

Hello, I fell behind and my Mortgage due to Covid and my kids were not working at the time, and my fianc is out of work due to an injury at work and got a total XXXX XXXX. She hasn't been back to work in XXXX years. She's trying to get Social Security XXXX. Her case is still going on. I tried XXXX times in 2023 to get a modification from XXXX % PHH mortgage services and they denied me both times. Also, towards the end of 2023, I went and got help from a homeowners assistance program to help me communicate with XXXX to get a modification and they denied me again because they said I had too many modifications, and I'm at the lowest rate. So, the Homeowners assistant suggested that I do a repayment plan. In XX/XX/2023, I requested a repayment plan. I told the mortgage company that my daughters are working again, and I offered the mortgage company {$17000.00} to start the payment plan and they didn't want to even look at my request for the modification for the repayment plan. I would like for you to help me get back on track with the mortgage company. I don't remember all the dates, but I'm sending the documents with the dates on them
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Im having a problem with the bank returning several transactions when they have a policy as long as the funds are in the account by XXXX XXXXXXXX XXXX XXXX  of the day of negative balance. The past few months they have been returning item even though I have deposited the amount before cut off time for example today there was no negative balance I made a payment for {$63.00} to XXXX XXXX XXXX days ago today they returned the payment. Another item they returned for {$270.00} XXXX times without a negative balance.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Back in 2022, I placed a lock request also went on the app I was told it was done. The lock was never placed on my credit. XXXX XXXXXX/XX/2022, my credit was run 6 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all these runs on my credit are auto loan runs. I would like this removed immediately from my credit report.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I would like to dispute a late payment that has been reported to all 3 credit bureaus for XXXX 2020. XXXX reported my account late for the month of XXXX 2020. 
I have learned that because Covid-19 affected my finances making it difficult to make my monthly obligations, and that Congress made Covid-19 a national emergency, the Cares Act called for creditors to adjust how they report accounts to the credit bureaus that have been modified. The law requires creditors to report any account that has a payment accommodation applied to it as current to all 3 credit bureaus - as long as the account was current when the accommodation was made, which my account had been current until Covid-19 hit. The CARES ACT states the creditor needs to report to the credit bureaus that you are current on your loan. XXXX did not report my account current XX/XX/2020 and because of this, has affected my credit reports and credit scores. Because of this, as soon as I paid the account to zero balance recently, I canceled my account. 
Their records show that I had never been late with a payment until Covid-19 hit in XX/XX/2020 and the lock down that was ordered by the Governor of Colorado XXXX XXXX, 2020 until XXXX 2020. 
I made 3 payments in XXXX after the due date to attempt to catch up. I respectfully request that you apply a goodwill adjustment to remove the late payment from my file.
Consumer complaint received 2019-11-12
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)

XXXX, EQUIFAX AND XXXX  HAVE ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINE/INACCURATE. 

Addresses : XXXX XXXX  XXXX, XXXX, FL XXXX XXXX XXXX XXXX , XXXX, FL XXXX Accounts : XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXXNOT MINE XXXX/XXXX  XXXXNOT MINE XXXX/XXXX  XXXXNOT MINE XXXX XXXX  XXXX XXXX XXXXNOT MINE XXXX, XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX   XXXX/XXXX  XXXXNOT MINE XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX   XXXX/XXXX  XXXXNOT MINE XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX XXXXNOT MINE Identity theft/fraud : XXXX XXXX XXXX | XXXXFRAUD/IDENTITY THEFT Inquires : XXXX XXXX XXXX XXXX NOT MINE XXXX  XXXX XXXX  XXXX XXXX XXXX  NOT MINE XXXX XXXX XXXXNOT MINE XXXX  XXXX  XXXXOT MINE
Consumer complaint received 2019-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC. (FL)

I bank with the predatory bank SunTrust. I used company option to refuse transactions if funds aren't available as well as the option for turning off card if funds are low or unavailable but I am being charged excessive fees because they allow transactions to process with the deliberate intention of charging fees. 

I have been charged thousands of dollars a year by a process that is correctable but they choose not to because it surely generates billions in revenues foro their organization. 

I want my money back without any excuses. When then account reaches a negative balance that they feel is beyond what they are willing to lose they then become capable of stopping the transactions when funds ar not available. So it is possible to accomplish. The institution just chooses not to do it until it's a potential problem for them. 

I have challenged them by calling to their attention that I opted to not allow approval of transactions when funds are not available and that my card was turned off when transactions were processed. Both options were not adequate to prevent transactions and prevent the accrual of those enormous fees. I want those funds refunded to my account retroactively. 

Thank you, XXXX XXXX, XXXX