davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: KEYCORP (NY)

My dol sent me XXXX in benefits to KeyBank they mailed my sister house. She lied stole card sent to my parents in Tennessee who active and set pin and stole all money. I have all proof then I file dispute KeyBank took full responsibility said they forgot cancel the card they knew was stolen and send final credits 2-3 different times to the same card that was reported stolen 3 months earlier you sent final credits 3 times to the card u knew they had. I went all way downTN filee police report I lost my apartment due to this and was XXXX  then finally they promised they would fix it sent me a .card with nothing on it and now saying they gavee.the final credits. Already I gave them all information they asked for now they're trying blame NY DOL saying their not responsible for getting me my credit they promised. Negligence on their part allowed my parents to steal XXXX dollars from the bank or dol bc they never. Cancel card and admit it was their fault. This has caused me so much heartache and trauma
Consumer complaint received 2019-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (RI)

On XX/XX/2019 I applied for the paypal rewards mastercard issued by Synchrony bank. They did a hard pull on my XXXX credit report. I received a message stating to call them which I did. The customer service representative only asked me my phone number and then told me I had to wait 7-10 days ( which was fine ). On XX/XX/XXXX, I received another email from them stating I was declined because they could not verify my identity. They did not mention any usage of my XXXX credit report, nor did they do their due diligence of asking me to submit ID verification documents like any other financial institute would do. I sitll have not received the hard letter copy. After reviewing my credit reports, I updated my address and phone number and applied for another synchrony credit card ( WALMART ). Again, same message to call. Again, only asked for phone number. After googling I found out they use your phone number to verify your identity so good luck if you have a new number like me. 
I want them to either remove the hard inquiries from my credit report or let me send in sufficient documentation to verify my identity.
Consumer complaint received 2022-07-30
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 (OH)

Letters dated XX/XX/2022 and XX/XX/2022 from Bank of America stated that I applied for a Bank of America XXXX XXXX XXXX XXXX XXXX card. I did not apply for this card. The letters request that I remove the freeze that I have place on my credit report. I did reach out to Bank of America and informed them that I did not apply for this card. This is not the first time that this has happened to me and it is very concerning.
Consumer complaint received 2019-03-26
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 feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2022-06-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (TX)

On XX/XX/XXXX, myself, my mother and ex husband were called from The Midland Group in regards to a 'complaint ' against me filed with them. This was the voicemail that was documented : Good morning this urgent message is intended for XXXX XXXX I'm contacting you today in regards to a complaint it's been forwarded to my office to discuss the pending actions that may be filed against you you'll need to immediately contact the firm that issued this complaint the number provided by the firm is XXXX you'll need to reference file number XXXX so please understand that this is a time sensitive message and failure to respond may result in the firm proceeding forward and making a decision without your participation please be advised that all calls are logged in submitted as proof of the efforts being made to notify you of these actions I called back and spoke to XXXX XXXX at extension XXXX. She told me that I owed {$8000.00}. She said there was a letter mailed a month and a half ago. I did verify that it was sent to the incorrect address. She asked her director if they would honor the pay off and they said they would. The pay off is {$1800.00}. She told me that this was for XXXX XXXX credit card which was opened XX/XX/XXXX and charged off XX/XX/XXXX. I do not see this on my credit report and I did not see it on my credit report when I cleaned it up back in XXXX. I asked her for 30 days to validate the date and she said I was 'in default ' and that giving me that time was not an option. She stated that my case would be filed to go to court either today or at the latest on Monday if I didn't agree to a payment plan or give them a post dated check or something to 'cease and desist. ' According to the statute of limitations, I can not be sued for this debt.
Consumer complaint received 2020-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company (AZ)

I let this company know before I changed home owner insurance what the name of the new company was back in XX/XX/2020. I notified them by telephone, sent them 2 emails, 2 faxes, followed up with multiple phone calls. I was assured that they had mailed my payment. I called them back because I was notified that my payment had not been received at the new homeowner insurance company. Now again 3 weeks later I receive notice that my home owner insurance has now been cancelled. I am now sitting in a house with no homeowner insurance. Every time I call the mortgage company I am told I have no way to speak to the insurance department because they have no phone line. That is unacceptable. I am also told I can not speak to a manager. I now have increased car insurance, increased umbrella insurance cost all because they did not pay my insurance. I will no longer pay on my mortgage or give them their escrow back until they figure out with my insurance company how to pay my claim or transfer me to another mortgage company. I see now why my original lender changed to a different company and I want to change to her company at their cost.
Consumer complaint received 2022-07-29
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. (MD)

In accordance with the Fair Credit Reporting Act, US Bankruptcy Court # XXXX has violated my rights. 15 U.S.C 1681 section 602 a : States I have rights to privacy 15 U.S.C 1681 section 604 a section 2 : States a consumer reporting agency can not furnish a account without my written instructions I have attached a letter from US Bankruptcy Court that states they do not report any information to the credit bureaus.
Consumer complaint received 2019-03-26
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. (CO)

Equifax and XXXX are reporting incorrectly that I am 90 days past due on the XXXX XXXX - partial account numbers XXXX and XXXX. ( Please see page 3 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. 

Equifax and XXXX are reporting incorrectly that I am 60 days past due on the XXXX XXXX  - partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. 

This incorrect reporting is harming my credit score. It is impossible to be 60 to 90 days past due on accounts that have a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2022-06-24
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. (OK)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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 a account without my written instructions.
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I paid a debt on my credit in full on XX/XX/2022 for {$900.00}, but transition and XXXX were showing it still has a balance of {$170.00}. It also has an incorrect date this account was opened. I submitted disputes and they just sent me the results saying it's accurate. I have receipts and a letter from the creditor showing otherwise.
Consumer complaint received 2021-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (IL)

On XX/XX/XXXX, I noticed that my escrow payment went up {$280.00}. When I called, PNC explained that a needed to carry a certain percentage over my obligations " just in case ''. After I thought about it, I called back and a new person told me that my taxes and insurance must have went up by a few XXXX dollars per year and that I would have a big payment that month. After noticing the same increment on XX/XX/XXXX, I called my insurance and tax collector who confirmed that my annual amounts did increase by a few XXXX dollars. After doing the math, I will have paid PNC bank {$9100.00} by XX/XX/2022 where my annual expenses don't exceed {$6300.00}. I called PNC bank again on the XX/XX/XXXX and talked to XXXX who first asked me to make a {$2200.00} escrow payment. I said " absolutely not '' and he told me that he understood and will request that I manage my own escrow. He also told me that I would hear back in 10 days, which I did not. I called PNC bank again on the XXXX of XXXX and spoke to XXXX. Not only did she tell me that she couldn't find my request, but she said that this " wasn't something that they could even do. '' When I pressed for a resolution, she told me to email a letter to XXXX which I did on the XXXX of XXXX. It's been nearly 2 months since I asked for PNC bank to stop illegally taking my money and their staff seem ill equipped to resolve this issue. Even after my first tax disbursement in XXXX, I still won't be close to have a XXXX XXXX and will be well over 10 % in escrow. As a consumer, I shouldn't be forced to provide a bank an interest free loan.
Consumer complaint received 2021-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (MD)

Chime ( XXXX XXXX )  advertises a Credit Builder Card that you deposit funds to and then spend on. This account has never been in the negative as far as I was aware, as the account always appeared funded. Apparently, there was a " Secured Account '' linked to this card that is NOT visible through the Chime Banking App that has been ranking up 100s in charges. I need help determining what I truly owe to them but this seems EXTREMELY predatory. To make the debt not visible, allowing me to think that my " secured '' credit card was funded, and to not show what i " owe '' on XX/XX/XXXX until the beginning of XXXX seems very suspicious. Please help!
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

On XX/XX/2021, I sent a letter regarding in accurate and unknown things on my credit report. 

To this day exactly 60 days later I have not received a response yet. 

I feel like Ive been taken advantage of and me and ignored on my dispute. 

Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days give a reason to immediately remove those items from my current point and it has been at least 60 days and should we delete it properly.

I demand these accounts be deleted immediately or I will file litigations due to the stress you caused me.

My information was also impacted by Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Self Financial Inc. (TX)

Made auto payment that cleared through my bank on XX/XX/22 for {$48.00}. However, I received several emails while in the hospital. XXXX was not made because I experienced a breach and fraud and had to close that account. I was unable to reset before hospitalization. I was billed {$110.00} and paid on XX/XX/22 for XXXX months, just to reconcile my account. I went online and submitted the ticket and uploaded my documents, also by email. On XX/XX/22, the Self app stated, when I logged in, that I owed {$190.00}.??? I was only one month behind. I paid two months in XXXX and then, was chatged a third month plus additional late fees. They are not crediting me my payments and it is affecting my credit score, as well. I need assistance in resolving this issue.
Consumer complaint received 2021-05-06
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: EQUIFAX, INC. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$80.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-11-04
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (DC)

XXXX fraudulently obtained service contract. My client is XXXX and did not agree to services. I have written to them in XX/XX/2021 telling them not to contact my client and to go through me. I wrote to Nationwide credit in XX/XX/2021 stating the same. ( see attached ). I again sent a letter to Nationwide on XX/XX/XXXX. In XXXX the alleged balance was {$60.00} and they further sent another letter to my client in XXXX with a {$650.00} balance. This is after I have repeatedly asked for verification of debt and stating that my client is represented by myself, a lawyer. XXXX actually had the nerve to come out to my client 's house just last week.
Consumer complaint received 2022-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Neon Newco Corporation (NV)

NetSpend was notified of the fraudulent activity on my account. NetSpend also noticed that other cards were linked to my name and social. Debit card was cancelled and I ordered XXXX XXXX rush delivery New cards and disputes were given to all fraudulent charges. Including my missing funds never accredited to my account as the funds were placed else where. Agent at NetSpend informed me that I was going to be a credit for the missing money and tax return as well as the fraudulent charges. The sum of XXXX XXXX 
Five months later I have not received any information or credited balance for the err on their end. They now also refuse to answer my question on complain since I have made report to foc.gov
Consumer complaint received 2022-10-22
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)

Account info Account name XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3000.00} Account name XXXXXXXX XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$470.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance In accordance with the fair criedit reporting act 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 a account without a account without my written instructions
Consumer complaint received 2022-04-25
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. (MD)

In accordance with the Fair Credit Reporting act 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 without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have never missed a payment with XXXX XXXX XXXX. In XX/XX/2019 I made a payment in full. This payment posted on my XXXX XXXX account as paid. A few days later I took out another loan. I had no more payments for XXXX XXXX. XXXX has reported me late for this account twice. They had an error with there payment transactions not me. I was called by a XXXX  Representative in XXXX she called XXXX XXXX we resubmitted a payment the account representation told her they would update the information for the 30 day late notice removing the 30 day late. The information that was updated is incorrect. My credit score dropped significantly over this late designation.
Consumer complaint received 2022-03-24
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Rocket Mortgage, LLC (AR)

An agent from Rocket Mortgage pulled our credit without our consent to refinance. They started calling us non stop and we finally answered after hearing her out to be polite to her, We told her by phone we were not interested, that we were happy with our existing home loan with them. The next day we replied to 2 separate text messages saying that we were not interested, we were feeling almost harassed with all the calls we were getting while we were at work, until I had to pick up and say PLEASE STOP HARASSING US, we are happy with our current loan and we are not going to refinance Tonight we realized that we had a hard inquiry because the agent pulled our credit without our consent, permission or authorization. That is against the law and our rights. How dare you betray and take advantage of faithful customers Rocket Mortgage?!!! 

I have pictures of the text messages and calls to prove it.
Consumer complaint received 2022-11-28
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 ()

my names XXXX XXXX XXXX. 
i noticed in XX/XX/XXXX that my paypal account was limited they asked me to submit a bank statement which they confirmed they accepted as well as a photo id of a drivers license, they said it the id i sent and the name on the paypal account didnt match which i found weird i thought maybe i had sent in the wrong id since i also have my daughter 's ID on my phone. a day after paypal permanently limited my paypal account due to inconsistency with user agreement, i had a balance of XXXX on my account which thy have been not allowing me to withdraw since the end of XXXX. i have contacted paypal on the phone they and got different answers from different people i spoke to so i was unsure what was going on they referred me to to a new method of submitting the proof of ID, this time i made sure i sent the right one however they still denied my appeal ( XX/XX/XXXX ) and refused to remove the limitation i have contacted them almost everyday and none of them still have been able to help me, they want to hold my money for 180 days before the funds are released to me and there is even a chance the money will be kept by the them, i find this to be very unfair practices and would like this matter resolved. 
paypal reference : XXXX
Consumer complaint received 2022-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

CFPB + TransUnion, On my TransUnion credit report dated XX/XX/2022 - there are hard credit inquiries I do not recognize, are unauthorized, and would like removed from my credit report - attached to this complaint are : my drivers license my social security card my mailing address my complaint letter my TransUnion credit report page displaying these unauthorized hard credit inquiries that need to be removed as soon as possible.