davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-06
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I tried to get a credit card with huntington. They told me to get the app because I 'm under XXXX. I got the app and it took me back to the standard huntington automated line. I then asked for customer service and they told me I had the wrong number and transfered me. After being transfered they had me speak to some man in the XXXX that I could barely understand. He proceded to tell me to go online and apply for a credit card and hung up on me. I am furious this needs solved this is unfair to people on their own under the age of XXXX trying to get a head start on life. I have a decent job and all I want to do is build my credit so I 'm better off by the time I 'm in my XXXX 's please help!
Consumer complaint received 2016-10-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC. (MO)

Habitat for Humanity refuses to take their property out of my name and it 's steady causing me financial problems, hardship, and stress. The house was built incorrectly and the foundation had pulled away from the house which made the house impossible to live in from the rats and bugs infestation. Habitat refused to resolved the issues and help me. I lost everything including my home. I 'm still being stressed out about this issue.
Consumer complaint received 2015-07-29
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NV)

I obtained a Sears MasterCard on XXXX/XXXX/15 when I purchased a treadmill at Sears. The treadmill charge was interest free for XXXX year if paid in full in 1 year - it is called a promotional balance. My statement closing date was XXXX/XXXX/15 and my payment due date was XXXX/XXXX/15 the total balance owing was {$610.00}. On XXXX/XXXX/15 I made an online payment of {$620.00} paying the entire promotional balance in full. During the period XXXX/XXXX/15 thru XXXX/XXXX/15 ( my second statement closing date ) I charged XXXX auto repair charges which were reflected on my XXXX/XXXX/15 statement. When the credit card company received my XXXX/XXXX/15 payment they applied noting to the promotional balance of {$610.00}, which was also the total balance owing on that statement, but instead applied the {$620.00} to the charges that were made after the XXXX/XXXX/15 statement closing date. I requested that the entire {$620.00} be applied to the promotional balance, therefore, avoiding any interest being applied to that amount., but they have not agreed to do that. I feel this is a mis-application of my {$620.00} payment and I would like this corrected.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. 

US DEPT. OF EDUCATIONXXXX : # XXXX, XXXX : XXXX 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 a account 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 of 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Someone used my information to open an account at the Bank of America, I do not recognize that account with a value of {$930.00} dollars. I have tried in many ways to solve this problem for many years with bank of america and they keep posting that account on my credit report In my credit report it does not show an account number to identify it, it only shows a debt with that value. 

bank of america wants to force me to pay a debt that was not mine
Consumer complaint received 2015-12-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A. (NC)

this has been an account from this company that is being reported but was a result from identity theft my identity was stolen and used to establish this account butr yet they still have this account as mine when i have sent information that it is not mine police report affidavit with a denial of any benefit i just dont know what to do at this point but this needs to be deleted from my credit file immediately and closed in all of their offices
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

These hard inquiries are not authorized XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-09-02
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Arbor Residential Mortgage LLC (TX)

Hello I have to carry Wind and Hail Damage Insurance on my home. XXXX that carries the mortgage has fail to pay the insurance to XXXX XXXX XXXX XXXX, Texas. XXXX as not paid the insurance to XXXX XXXX, because XXXX of their reps made mistake and sent the money to XXXX, Texas. When I called them I told them their is your problem ... I do n't think there is a XXXX, Texas..there is a XXXX, New Mexico. They say they are looking for the check..when all you have to do is contact their bank and let them know what has happen. This has been going since XXXX. I wrote them and told them that you better hope nothing happens to my home and if I have to get an attorney that will be no problem, but I 'm tired of XXXX treating me like I 'm a fool ... they have been playing their silly game ever since they took my mortgage. When they took it over I said to them I have no contract with you people. The woman said to me I do n't need to send you any contract..this contract was from XXXX and XXXX took it over..I told her I have a contract with you so I do n't have to send a payment to you. She came down on me and said to me ... '' I 'll foreclose on you so quick it 's going to make your head spin! Yeah right when I have equity in home already ... so ever since then they have messed with me..over and over ... I told her to her face on the phone and I wo n't repeat what I said to her ... but do n't you ever threaten me ... I 'm an XXXX. I 'm tired of these people. They have escrowed city and state taxes from where I told them you have no right. I do n't pay any taxes if you would call the XXXX XXXX Tax Office ... they would tell you this. I 've sent letters to them from the XXXX XXXX Tax stating that I do n't pay taxes ...
Consumer complaint received 2022-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Per USAA report to me on XXXX via another CMFB complaint, I was removed from the USAA jointly held account # XXXX on or around XXXX without my knowledge or consent. 
I did not call, nor login online, nor sign a signature card requesting to be removed from this account. Furthermore, any signature that did remove me from this account would be a FORGERY. Any login that indicates I removed myself from this account would also be fraudulent as I did not do such. 

At the approximate time I was taken off acct ending in XXXX, there was {$6100.00} in the account. The following deposits totaling {$13000.00} were subsequently made to my joint account ending in XXXX ( ***after my removal ) for a total of {$19000.00} in credits to the account in the weeks subsequent to my removal : XXXX {$4500.00} XXXX {$400.00} XXXX {$2400.00} {$3000.00} XXXX {$1000.00} XXXX {$100.00} XXXX {$100.00} XXXX {$200.00} XXXX {$300.00} XXXX {$320.00} XXXX {$500.00} XXXX {$100.00} XXXX {$120.00} XXXX {$32.00} From my joint account for which I was fraudulently removed, please note the following debits and withdrawals : XXXX {$7100.00} {$1000.00} XXXX {$500.00} XXXX {$320.00} XXXX {$680.00} {$8500.00} XXXX {$370.00} XXXX {$100.00} {$530.00} autopay of loan XXXX These debits totaled {$19000.00}, resulting in the account being overdrawn approximately {$22.00} ; nominal interest is not considered. This account was subsequently closed after I was fraudulently removed from it and the contents were drained.
Consumer complaint received 2021-02-19
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PROSPERITY BANCSHARES, INC. (TX)

Prosperity Bank failed to setup my autopay debit deduction when I closed on my loan on XX/XX/XXXX. They offered .125 % discount to do this. I had already setup an account with them and was preparing to transfer funds. They scrambled and acknowledged what they did. They then setup another round of closing documents for a loan modification. During this time, they noticed that they failed to have me get flood insurance. During the nearly 2 month process for the original loan, they completely missed this. I then scrambled to get this done. I had to pay for a flood certificate to be created, and the surveyors were weeks out on getting this done. I finally was able to get someone out to the home and the certificate produced, but so much time had elapsed that I had to make my first mortgage payment on XX/XX/XXXX. I had transferred my funds into the account and I was in constant communication with the banking staff handling this loan modification. They told me to wait until we had the new loan documents in place and that they would waive any late fees. I waited and waited. The process for the flood insurance took so long that it eclipsed the XX/XX/XXXX payment date. Again, I asked and was told to wait. In the month of XXXX, I received a call from the prosperity collection team. I was disappointed because I have never been late with a payment and I am super diligent about all of my payments. I also received a delinquent payment mailing in the mail. I communicated with all members of the prosperity staff and expressed my disappointment. I was told that this was going to be corrected going forward. We finally had a closing date setup for XX/XX/XXXX. I was still getting collection mailings despite what was communicated to me, but I ignored them because that is what I was told. I finally setup an autopayment draft during the closing on the XX/XX/XXXX. During the closing, I paid up through XXXX and then on the XX/XX/XXXX, Prosperity successfully withdrew my monthly payment. Thus, in mid XXXX, everything was current. Then I get a credit alert about how I missed a mortgage payment and my credit score had dropped precipitously. To add insult to injury, Prosperity Bank CHARGED ME FOR CLOSING FEES even though they were the source of needing to do another closing in the first place. I finally had had it. I sent the alert notification to the bank and told them that I was reporting them.
Consumer complaint received 2017-09-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revenue Assurance Professionals LLC (TN)

I am writing to file a complaint against Revenue Assurance Professionals for {$210.00}, {$68.00} and {$140.00}. I never received a dunning letter to give me a chance to dispute this information. I submitted a dispute to this agency in XX/XX/XXXX and never received a response. I want this inaccurate information removed from my all three credit bureaus XXXX XXXX XXXX XXXX immediately and a letter from the company confirming the deletion of this inaccurate information from my credit report.
Consumer complaint received 2023-07-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

I continue seeing a collection on my account that does not belong to me. I reached out to the company abusing my credit and they could not provide any valid proof that it belongs to me. It states that is a medical bill, but they already disclosed what it was supposed to be which is against all XXXX laws. This collection does not belong to me and needs to be removed from my account
Consumer complaint received 2022-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC (TN)

For the record, Spring Oaks Capital said that they purchased the alleged debt. 15 USC 1692e ( 6 ) ( B ) states that the false representation or implication of a sale of a debt causing the consumer to become subject to any prohibited act in the FDCPA is a violation. I would also like to mention that the company failed to provide proof that Spring Oaks Capital has rendered any services or compensation which gives them a right to collect. This is consider false representation and violation under 15 USC 1692e ( 2 ). I challenge you to produce an agreement that I have with Spring Oaks Capital. The failure to produce such agreement is considered unfair practices under the FDCPA, 15 USC 1692f ( 1 ). As established, you mentioned the purchase of the alleged debts. According to 15 USC 1692j ( a ), It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. You mentioned in your response that you are honoring my requests. I wanted to make sure that it included deletion from all consumer reports. If not, I will be seeking remedy for all violations to the FDCPA which infringed my consumer rights pursuant to 15 USC 1692k
Consumer complaint received 2022-02-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America reported to XXXX XXXX that I did checking account fraud on my report and never sent any documentation to me about anything. The account was opened in XXXX where I did reside and then I did move to XXXX XXXX Mo shortly after opening the account and still had the account and was never told anything.
Consumer complaint received 2022-08-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Goal Structured Solutions, LLC (PA)

Attempted to develop an alternative repayment method during a call in XX/XX/2022. Was told they could help become current on my loans starting the first week of XX/XX/2022 for a payment in the {$97.00} range ( specific amount unsure at this time ). Launch Servicing said they would send out information to me regarding this repayment plan. I received no such information. When I asked for this information they told me there was no plan in place and I was ineligible. This is totally inaccurate and has/will affect my ability to secure housing and student loans for my graduate program. I believe they acted in bad faith and were deceptive in their practice. I verbally agreed to the alternative repayment plan discussed but they are not holding up their end of the agreement.
Consumer complaint received 2016-03-28
Product: Debt collection — Mortgage
Issue: False statements or representation — Indicated committed crime not paying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

We had a loan with countrywide aka BOA and it was sold to specialized loan services. BOA foreclosed on the property after 5 years. BOA and XXXX XXXX services are both showing on my credit report. I never signed any papers with this company and have no affiliation with this company, yet it is on our credit report. These companies were involved in a class action lawsuit about this issue.
Consumer complaint received 2022-02-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NJ)

Upon looking through my credit report and noticing an unknown debt collection. I reached out to the company via certifed mail with a letter asking to verify the debt. I sent the letter USPS Certified Mail ( Tracking Number XXXX ) on XX/XX/2021 and Credit Collection Services located at XXXX XXXX XXXX, XXXX, MA XXXX received it on XX/XX/2021 at XXXX am. Upon giving the company 30 days, which the FCRA gives the company 30 days to respond. I reached out via phone call on XX/XX/2021 at XXXX pm, and spoke with the rudest customer service rep ever and just told me they will respond whenever they want. After hanging up and getting stressed out and depressed, I waited for a response. After about four months I never received anything.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

I have noticed some unauthorized and fraudulent inquiries on my credit report. 

The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Consumer complaint received 2022-02-07
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. (VA)

This company has been violating my rights as a protected consumer. according to 15usc1681a ( XXXX ) ( A ) ( i ) '' the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' my payment history is in fact transactions between myself and the " person '' as described in 15usc1681a ( b ). I have sent a letter to the cra regarding these violations with no response. please remove the reporting of late payments on my report for account # XXXX and account # XXXX.
Consumer complaint received 2020-09-10
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. (AL)

THERE ARE ACCOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME. I RECENTLY LOST MY DRIVERS LICENSE AND NOW I AM SEEING THESE FRAUDLENT ACCOUNTS ON MY CREDTI PROFILE. I DID NOT OPEN NOR AUTHORIZE ANDY OF THESE ACCOUNTS OR INQUIRIES. PLEASE REMOVE THEM FROM MY CREDIT.
Consumer complaint received 2024-02-16
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. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2015-09-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America sold our mortgage to XXXX. We continued to pay Bank of America on time each month and they continued to accept and cash my checks when I went into the branch and paid them in person. We were n't notified of the sell otherwise we would have switched to paying XXXX. Over the past 9 months, we have made numerous attempts to dispute the 30 day lates on our credit reports both directly with Bank of America and all XXXX credit bureaus. In spite of my numerous letters and copies of canceled checks they have been provided the lates are remaining on my credit reports. 
We simply do n't understand how Bank of America can fabricate a wrongful credit history. 
This situation continues to have a significant damage an impact on my wife 's fragile health and medical status, continues to cause mental anguish and negatively impact our long term relationship and is causing significant damage to our ability to the peaceful and quiet enjoyment of our personal financial lives.