davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MD)

I made a payment of {$1200.00} last week, reducing my total balance. The payment posted, and has been deducted from my bank account. Unfortunately, Citibank will not update my available credit despite the payment being made as this was a larger than usual payment on the account. I spoke with an account manager and they didnt have the ability to confirm with my bank that the payment was deducted. Im away from home and this is the only payment method I have access to currently.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (FL)

I again am having issues with the redemption department requesting loan extensions to my vehicle. Just monday XX/XX/2022 I called before my account payment was due. I confirmed the accout was current. I also confirmed florida has a 14 day window where no late fees are assessed on car payments per jurisdiction law policy. My request for the redemption department was to extend the loan due to a natural disaster hurrican ian and the fema forced florida evacuations and closers. They began yesterday and my business is impacted. The rep was a nice gentleman who also lives in florida. He did the whole request and read the details if you listen disclosing that my extension due to the hurricanes details. I accepted this and it was submitted. Has the request for a payment extension been granted yet? Please confirm and recap this process with my loan status. I called chase redemption department at phone : XXXX from my phone on file ; monday XX/XX/2022 at XXXX XXXX  XXXX and the call logs duration shows duration 15 mins 7 seconds. Is this request granted?
Consumer complaint received 2022-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: KEYCORP (GA)

I applied for an extension of credit with Keybank. XXXX the branch manager reached out to me to inform me that I was denied over the phone. Key bank sent adverse action via cfpb portal but not to my mailing address. 

KeyBank mentions that they are unable to approve me for the following reasons : Business out of footprint and without necessary existing relationship with KeyBank Lack of experience with present account. 

Ive provided Keybank with my business address that is within their blueprint. I also have business partners who also have brand new accounts with Keybank and doesn't stay within the blueprint but has a business address within the blueprint and they received an extension of credit. KeyBank has discriminated against met and I would like to CFPB assistance in getting resolution. 


This is a direct violation of my consumer rights 15USC 1602 tells me credit is my right. I can not be denied a right. Key bank has discriminated against me. 15 USC 1691 makes it clear that I cant be discriminated against.
Consumer complaint received 2022-10-11
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2024-12-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I purchased a vehicle in mid XXXX using USAA as my bank of choice which Ive used for auto loans since XXXX. The transaction went smoothly even though interest rates were beginning to reach their highest since XXXX. At the end of XXXX of XXXX I decided I wanted to refinance, but in the midst of that ended up purchasing a house with my partner and putting that idea on the back burner. A month or so ago, I attempted to refinance finally because my payments are incredibly high and rates are significantly lower now. I spoke to a kind gentleman on the phone, he explained the process and after an hour, I was approved with a new rate that would lower my payments almost {$400.00}. I was ecstatic. He began to submit the paper work over to me to sign and ran into a hiccup and put me on hold. Turns out the loan to value on the car wasnt within their threshold. Well how could that be when I took out a loan with them on the car to begin with? After some back and forth and him connecting with his higher ups, he came back and basically said I needed to put down a large sum of money- that I dont have- in order to get the refinance approved. It was disappointing on a variety of points, especially because they ran my credit and had gotten to 99 % completion.
Consumer complaint received 2022-11-22
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCF Intermediate Holdings LLC (CA)

As XXXX put a collection on my credit reports on XX/XX/XXXX the debt was signed with speedy cash on XX/XX/XXXX and was due on XXXX XXXX, please look at timing between XX/XX/XXXX and day reported by ad astra on XX/XX/XXXX during covid. Speedy cash any other payday loan companys do not assign a debt to collection for months because they have late pay charges and ACH On bank account which they run through the bank for months before giving up on the debt, I can make speedy cash show there records to prove that in court. but let assume they did after two months, again please look at timing between XXXX of XXXX and XXXX of XXXX when this debt reported to credit bureaus, by law they are responsible to send ar leat one if not three maild notice to consumers and ask for validation of debt which at least a month to respond, first of all the address they had was not an home address it's a church address where I retrieve my mail, you can easily XXXX the address and see it 's XXXX XXXX XXXX, the church office was closed during covid 19 crisis and all mail delivery was suspended and even us postal service was delaying distribution of mail, nobody at that time was collecting debt of referring debt to collection because nation was in crisis and people ordered to stay home, and jobless, and I didn't receive no mail
Consumer complaint received 2022-10-11
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (TN)

On XX/XX/2022 I started speaking with XXXX XXXX XXXX # XXXX to start a refinance with cash out. Over the next few days we communicated back and forth about the process. So at one point he tells me I am approved. I end up asking him MULTIPLE times if I was approved. He told me specifically that I was and that he was surprised. I felt uneasy. He then proceeded to tell me I need to pay XXXX dollars for appraisal. I told him that I shouldn't have pay out of pocket for that since I was already usung Newrez for my mortgage. He told me I could just put it on a credit card and pay it off when I got my cash from equity. I told him I didn't have it and he asked if I could pay XXXX dollars towards appraisal ( after he 'spoke to his manager ' ) and XXXX dollars towards another cost. I reluctantly did so. Now if he ran my credit he would have seen that I didn't qualify for cash out immediately due to my middle score not being at least a XXXX. So at this point he assured me I was approved and then took payment information. Then next day an appraisal was scheduled. Then the following day it was cancelled. I did read non refundable, however in the same paragraph it says I am allowed a refund due to being denied. He knew I would be denied and LIED. After this I tried reaching out to him via voice message and email several times ultimately being ghosted by him. He lied about my approval and took my monies knowing I wouldn't be approved in the first place. Then he would not return my phone calls or emails. I found out about the denial through the title company they used. I am due a refund. This was a scam from the beginning!
Consumer complaint received 2022-09-28
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. (FL)

I was a victim of identity theft and I submitted police reports to all credit bureaus and the specific accounts was deleted off my report but it all showed back up. Reached out to the bureaus but still nothing. Hopefully yall can help me with this problem.
Consumer complaint received 2022-09-28
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: Experian Information Solutions Inc. (FL)

XXXX, Experian XXXX and XXXX have not changed my XXXX XXXX. 
XXXX and XXXX XXXX incorrectly reported us as late and now has sent a letter to correct that to all credit bureaus and they have NOT done that as my credit is still in the 600 's instead of the 800 's. Their letter is attached. 
NONE of the credit bureaus have changed their score and this has taken MONTHS and attorneys to get a correction from XXXX and XXXX XXXX. I need the paperwork for a refinance company.
Consumer complaint received 2022-09-28
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, XXXX Equifax and XXXX have not changed my credit score. 
XXXX and XXXX XXXX incorrectly reported us as late and now has sent a letter to correct that to all credit bureaus and they have NOT done that as my credit is still in the 600 's instead of the 800 's. Their letter is attached. 
NONE of the credit bureaus have changed their score and this has taken MONTHS and attorneys to get a correction from XXXX and XXXX XXXX. I need the paperwork for a refinance company.
Consumer complaint received 2022-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Synergetic Communication Inc (FL)

I received a letter with XXXX collection agency names on it. " SYNERGETIC COMMUNICATION , Inc. " and " XXXX XXXX XXXX, XXXX '' showing a debt that I do not owe from " XXXXXXXX XXXX ''. Please remove this from your records as this is not a valid debt. Both the business 's that the debt was aquired from made errors and were fraudalently handled by a phone team of social justice warriors who kept me on hold and never did have the correct amounts. I filed complaints then with attorney and oversite agencies. It was supposed to be dismissed. Farthermore I am inpacted by a natural disaster. Please the statute of limitations is also up on this. The entire fair debt collection practices act was stifled by the original companies vengeful tribal phone team. I saved call recordings and records. But now i have these shady creditors still contacting me at an address thats not even accurate. I want this updated immediately. This is not a valid debt on many levels. Please remove and update all 3 credit agencies as well. Please also provide me a letter stating that the negative reporting has been removed. Not a valid debt. Thank your phone team. Please do this avoid other agency complaints as well as counter suit for such. Please do all this and respond in writing as i can not speak on the phone due to a XXXX. Hurrican Ian is impacting me.
Consumer complaint received 2022-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I have informed them that these debts are not mine and they submitted inaccurate information. They continue to harass me and call me from blocked numbers. They have even called my parents and served my parents at their home and then lied to the courts stating they served me. They also called my brother and his wife and a previous employer. They have lied and caused me a great deal of humiliation and embarrassment and mental anguish. Because of them, I can not get a home or a vehicle. I am living with family members and no longer have a vehicle. My life has been ruined and destroyed because of their tactics and I feel helpless. They keep insisting I pay for this debt that I do not owe and have resulted to continuously send letters to my parents residence and they keep trying to push me to settle with their attorneys. Their attorneys have called and left multiple voicemails which I have on my phone and am able to produce. they claim they do not have to remove the debts when the statute of limitations is up but they indeed do. They are trying to ruin me financially and they are discriminating against me because of the XXXX of my skin. They attached a letter to the last response stating I am a XXXX XXXX. I have seen where others have been discriminated against them due to race. They purposely try to ruin minorities. Please see attached letter. I will not be paying these debts because I DO NOT OWE THEM so I request they stop sending letters requesting I pay them and work with their attorneys and remove the collections at once. I am currently working with an attorney to file a lawsuit against them.
Consumer complaint received 2022-10-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

According to the Family education and privacy act of 1974, I have a right to privacy from educational institutions and financial institutions. I have never given my written consent to Mohela to furnish any of this information. Mohela is also a 3rd party collector that I have no agreement, contract or consent to be in a binding financial relationship with. 


On XX/XX/XXXX Mohela was transferred into my domain as a student loan servicer that I never consented to. Mohela has been reporting negative experiences on these accounts causing adverse effects of my credit reports. 15 USC 1681 tells me that late payments are experiences not to be included in my credit report. Additionally, Mohela never sent me a 21 day notice of these " late payments '' and if they would have verified the information with the consumer they are reporting on, me, they would know that these late payments are inaccurate, a violation of the FCRA and FDCPA. 

On XX/XX/XXXX they reported an added balance of ~ XXXX XXXXXXXX to XXXX which caused my score to drop XXXX XXXX. These new balances that shouldn't even be accumulating were reported on XX/XX/XXXX. These loans are being actively investigated and should have not been reported on at all. 

I have been denied loans, credit and more because of Mohela reporting information they have no right to be reporting. I will be seeking monetary litigation for these violations.
Consumer complaint received 2024-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2022-09-28
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. (GA)

XXXX sent responded saying they contacted XXXX XXXX  and I contacted them requesting proof of my signature, advised them of my identity being stolen and they stated on XX/XX/2022, they didnt have any information and to contact someone else. They couldnt provide me I and they do not have an account that they are servicing in my name so it should be removed immediately!
Consumer complaint received 2022-11-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/XXXX I sent my daughter {$200.00} thru my banks on line transfer service. This is called XXXX. However she never received the funds. I filed a complaint with my bank Wells Fargo ( been with XXXX ) A week later I called to get status & was told the fraud department had an outage & was unable to receive calls. This went on for 3 weeks. During this time I contacted XXXX who told me because I used WF app they could not talk to me. Since this time I have called WF & XXXX many times. All I have been able to get is WF closed my complaint because they found no fraud. WF was told by XXXX that they sent the money to bank account connected to the phone number on the account which happens to be a disconnected number. 
When I tried to explain this to WF they said the case is closed. They will not help me further on this matter. When I call XXXX I get disconnected. XXXX transaction number is # XXXX
Consumer complaint received 2022-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (NJ)

My name is XXXX XXXX I tried to explain to them that XXXX I was a victim of identity theft due XXXX data breach and had no knowledge of this account. They continued to report it even after repeated attempts to resolve the matter. As per the Fair debt reporting act, they are not allowed to report stolen or incorrect information that can potentially harm my credit. 

According to 15 U.S. Code 1681b They do not have a Permissible purpose to continue to report unverified information that compromises my identity by reporting inaccurate information on my credit consumer profile. I have reached out to them as well as, send them letters and they continue to ignore my attempts to Block the information. 
XXXX continues to violate the law. The law clearly states that. I went ahead and file a complaint with FTC as well. The Attorney General and XXXX.
Consumer complaint received 2022-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Continental Finance Company, LLC (PA)

Im approved already for a credit card with continental finance and applied for another card on XX/XX/XXXX and was approve. However, they never sent mail with any info. Then I applied again on XX/XX/XXXX with verification being needed, no letter request, no email request just phone reps telling me to sending social security card, address and license. This made me uncomfortable given the fact Ive managed to keep their card thats already verified with the same info on my fit card application in great standing. Lastly, they refuse to offer me any credit line increases with the card I do have and or lower my apr over the last 1 and a half