davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-19
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. (MD)

Credit bureau calculations when educational loan is paid off two months early. The score dropped 78 points. Im working hard, paying my bills, and watching my financial health. 
Consumers have the right to know the metric of the three major bureaus use. We have a right to know the triggers that have been set in their systems to increase or drop the consumer numbers. This data impacts everything. There should be more visibility into the process by consumers, transparency builds a great foundation and educates the people being judged correctly or incorrectly. 
I trust government oversight, as a public servant myself, I just want fair reporting and not be penalized for paying off accounts with firm begin and end dates. The system needs an overhaul.
Consumer complaint received 2020-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (TX)

I was shocked when reviewing my credit report and found a late payment that was 30 days late as of XX/XX/XXXX. I had originally made a purchase with my Macy 's credit card using the deferred payment and interest option. I set automatic payments so that the balance would be paid in full before the deferred interest period expired. I expected the card to be paid in full in XX/XX/XXXX. 

I noticed that there were unauthorized charges on my credit card in XX/XX/XXXX. I contacted the company immediately upon noticing these charges. The company opened an investigation and confirmed that these were unauthorized charges and removed them from my account. 

While the investigation was ongoing, payments that I made that should have been applied to the promotional deferred interest balance were being applied to the fraudulent charges. The result of this was that all of the deferred interest was then added to my account balance. 

I contacted the company about this as well and they agreed to removed these deferred interest charges. However, because the fraudulent charges caused the deferred interest to be added there was a balance showing on the account past the date I authorized payments. 

The company has agreed to remove all charges, apply my payments correctly and update the credit bureaus that there were no late payments. As of today, the account balance has been updated to properly apply payments to the correct balance and to remove the fraudulent charges however after the company has agreed multiple times to update my credit report to reflect that there were no late payments, it still has not happened. 

The case number assigned by the company is XXXX
Consumer complaint received 2020-07-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (NC)

IQ Data international XX/XX/XXXX I reached out to discuss the XXXX balance from the XXXX XXXX  I spoke to Mr. XXXX XXXX accounts manager, I told Mr. XXXX XXXX that the XXXX was not explained in the itemized list and I was not responsible for those fees. He stated that I breached the contract by leave the apartment earlier and I explained to him that a noticed was given in XX/XX/XXXX that I would be vacating the premises on XX/XX/XXXX. I was no longer responsible for the lease after XX/XX/XXXX. Per the contract section 2-A ( 1 ). 

He then began to get upset and refused to communicate respectfully. I asked him to Provide me the same respect I was giving he proceeds to get upset and refused to discuss the account with me and the call ended. 

In the conversation I told Mr. XXXX that if the extra fees and the excessive water bill that I dont agree with was taken off I would pay the difference. He states that he is the account manager and he will not remove anything from the charges because he dont have too. 

Mr. XXXX XXXX Refuse to allow me to speak to anyone else also told me he was the only person in the company so theres no one else for me to talk to
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX is incorrect information I did not have two late and I only owe them {$300.00} and also XXXX  is not reporting correctly the amount that I owe and I have not been late with them either and XXXX  XXXX  is also not late.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has stolen my Identity and created securities in my name with out my consent.
Consumer complaint received 2021-03-31
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (GA)

I have recently contacted customer service regarding a written request to receive all information regarding XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX AES has failed to do this and is purposely advising customer service representatives that they are not authorized to provide lender information. Since private lenders are not under federal authority, they still must provide their information. AES has repeatedly sent me a promissory notes from XXXX but not from XXXX XXXX XXXX XXXX verifying they transferred/bought the loan. I have repeatedly ask for a forbearance only to be told the lender states I have used up my forbearance time. If there is no contact information to XXXX XXXX then where is AES receiving this information. I have also researched this supposed lender and an unknown address in Delaware has surfaced with no telephone number to contact them. If AES does not produce the direct number to this XXXX XXXX XXXX XXXX entity then I will assume the promissory note they have sent me is not accurate or false which means XXXX is still the lender. My loan originated with XXXX and I have no verified proof that this XXXX XXXX XXXX XXXX entity transferred or bought the loan. AES can not seem to explain where they are getting the denial 's from regarding my request for a natural disaster forbearance or regular forbearance. I do not want a promissory note from XXXX as I have this documentation. I need to see the actual verification that XXXX XXXX XXXX XXXX owns the loan and not some flimsy excuse that lenders do this all the time. If XXXX  is an actual lender then I need the actual contact information and number as well and not some vague response regarding AES is not authorized to provide direct contact information. My monthly payment amount is on a modified plan ( {$480.00} ). The private loan is consolidated and was originated in 2007 with XXXX loans. the XXXX XXXX XXXX XXXX address I researched online is XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX DE XXXX.
Consumer complaint received 2021-03-31
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. (CA)

There is one account on my credit report that is not mine I have opened an FTC on this I have tried in every way to reach out to the furnisher and the bureau but nothing nothing has happened I need this off my credit account this is not mine it does not belong to me and it should not be in my report. 

Account Name : XXXX CARD Account Number : XXXX Reason : Unverified account
Consumer complaint received 2021-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Siwell Inc (NJ)

my mortgage is with capital mortgage of texas, they refuse to provide me with an amortization schedule with detailed information of the monies they have collected from me since the inception of my mortgage. I have noticed that my mortgae balance has some shoddy accounting going on and that each month the amount i pay to them is not being reflected in my mortgage balance I have made over 25 inquiries to the company and was assured by XXXX XXXX that she would work on this problem and rectify it She has not once returned my phone calls or emails. I have contacted several other at th company and not one person will return my calls. this has been going on since XX/XX/2020. I continue to pay my mortgage and still see discrepancies with the allocation of funds
Consumer complaint received 2021-03-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Collection Co. (NE)

General Collections has been taking the same amount of payments out of my account every Monday as agreed upon. Today I received a notification that the payment did not go through as they were not using the correct CV code the notification also came up right after that one a payment for double that amount that came back as insufficient. I only use this account to make that payment once a week and I only keep enough to make that payment weekly in that account. When I seen XXXX was attempted 20 minutes after they tried to take a XXXX dollar payment out, I had called and asked why they thought this was ok, they proceeded to tell me that a new person was running the payments it was just a clerical error however, if they tried for XXXX and turned around and tried for XXXX that would not be a clerical error. she had no response back. I don't find this to be trust worthy nor ok.
Consumer complaint received 2021-03-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Choice Recovery, Inc. (NY)

I had a XXXX  visit at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, and have insurance that covered most of the bill. My visit was in the summer of XXXX. I received a bill for {$10.00} from them for the amount that wasn't covered. After a few weeks, I paid the {$10.00} I owed. I received no mail from XXXX XXXX afterward. The only correspondence I had was a voicemail they left for me to schedule a visit. Today, XX/XX/XXXX, I received a letter from Choice Recovery, XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX, Ohio XXXX dated for XX/XX/XXXX, stating the {$10.00} amount is in collections. I received no warning from the XXXX XXXX prior to this and have excellent credit. I would never have let a {$10.00} Bill go unpaid.
Consumer complaint received 2020-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (VA)

In XX/XX/2020 I noticed hundreds of small purchases on my Discover card amounting to approximately {$1300.00} made to XXXX. These charges vary in cost from {$1.00} to {$50.00} at a time and were made between XX/XX/XXXX and XX/XX/2020. I did not make any of those charges and no one else has access to my credit card. I alerted Discover customer protection services, who initially refunded the purchases. I also contacted XXXX who stated that there were no charges on my XXXX ID or the current form of payment attached to my account, however my card ending in XXXX ( which had been previously closed for fraud in XXXX of 2020 ) had been compromised and was in use by 7 different accounts. Those accounts were closed for fraud and my credit card ending in XXXX was barred from ever being used on XXXX again. They would only be able to provide a merchant refund for approximately {$190.00} of the purchases and the financial institution would have to refund the rest. The next month credit card statement showed they had reversed the refund and returned the charges to my account. I have since provided information from my XXXX account showing no purchases adding to that amount as well as the case notes and phone recording ( which was too large to attach to this complaint ) from my initial discussion with the XXXX representative yet Discover will still not accept my fraud claim. Discover wanted a list of what charges XXXX is considering fraud however I have also provided written documentation that XXXX can not provide that to me since none of the charges were associated with my account and that would violate their privacy policy. I was a Discover card customer for 10 years with an excellent credit history so I have no motivation to try to defraud Discover out of {$1000.00} yet they keep denying me whenever I provide proof. It has been an extremely frustrating situation because the determination process is completely non-transparent and Discover refuses to show me written documentation of how and why they determined these charges to belong to me.
Consumer complaint received 2020-11-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

As per case # XXXX, Equifax, in witness of the CFPB, had accepted my claim and provided a resolution of removing the fraudulent collections account. Once the case was closed, Equifax, behind the CFPB 's back, went ahead and added it back to my account. I don't know if this is in error, but it is a very concerning matter that the CFPB ought to look into to make sure these large financial institutions don't engage in large scale fraud. Please make sure that Equifax 's agreed upon resolution from the previous case is enforced.
Consumer complaint received 2020-11-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

I did a 6 month forbearance and have set up a payment plan, that took weeks to do with Loancare because no one knows what they are doing and different information is provided with each call. Now I am trying to refinance my loan with another lender, to rid any affiliation with XXXX/Loancare, and they are reporting I am behind in payments though I paid {$5000.00} in XXXX and {$8700.00} in XXXX. The payment plan was supposed to be {$4600.00} ( double payments ) for 6 months. I have paid far more than required according to the payment plan but they are holding extra money paid in a " suspense account '' until the forbearance is completely caught up instead of applying to the funds directly to a payment or paying the current months payment. They are also holding our property taxes in an " escrow overdraft account '' and the property taxes are paid through our escrow and was not supposed to be held separately. I have been unable to close on the refinance because of the information Loancare is reporting to the credit bureau and because they are showing my account as delinquent and behind in payments.
Consumer complaint received 2021-02-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (TX)

I used chime for less then a year and Ive been trying to get my money back and after 4 months of being sent in circles they finally told me last night after sitting on the phone for almost 3 hours that I cant get a refund.so I got in touch with somebody this morning and now all of a sudden its notes on my account and information that wasnt there 4 months ago. So now the lady is telling me that some suspicious activity has been going on with my account and thats why they closed it. But if thats the case they would of told me sooner and not just froze me up like that. I lost XXXX dollars
Consumer complaint received 2020-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY (GA)

After reviewing my online billing I was alarmed to find that my credit limit has decreased. I called Nordstrom Credit on XX/XX/20 and spent 30 minutes speaking to 3 of your representatives ( one being a supervisor ), all who after hearing my discontent gave me no reasonable logic to why my credit limit has been reduced other than a recent soft pull of my credit score warranted a decrease in my credit line.

My credit score has been consistent over the last couple years and has not decreased as they have explained to be the reason my credit line was reduced. As a result of this penalty, my credit utilization rate considerably increased, resulting in a decrease in my credit score. 

Nordstrom Card Services has not corrected this error. They have not given me sufficient evidence as to why my limit has been reduced.
Consumer complaint received 2020-07-19
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$9200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account.
Consumer complaint received 2020-07-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources (NC)

The company named Frist Point Collection Resources Inc has put a collection on my XXXX  credit report for the amount of {$58.00}. However the account listed is in breach of FCRA guidelines and there for must be removed off my credit report upon being notified. The violations are as follows : *Ignoring an investigation request on XX/XX/XXXX, and again on XX/XX/XXXX through the XXXX  dispute process *Willfully reporting false information after being notified of reporting error. Errors that are currently reporting : Date Assigned is inaccurate, Status date, Date of first delinquency, Balance date * Have not received a letter notifying me of my legal right of dispute within 30 days
Consumer complaint received 2020-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Consumer complaint received 2020-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

Contacted Experian, XXXX, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

In early XX/XX/XXXX I received a bonus offer for {$550.00} from Fifth Third bank with a unique offer code. The offer required me to wait XXXX if I had a previous account with Fifth Third bank in order to qualify. The account I had with Fifth Third bank was previously closed on XXXX XXXX XXXX, so to meet the time requirement I had to wait until after that date in order to qualify. 

On XXXX XXXX XXXX having met the XXXX requirement I opened a new checking account in order to qualify for the {$550.00} bonus offer. The time difference between XXXX XXXX XXXX XXXX XXXX XXXX XXXX is XXXX XXXX XXXX XXXXs excluding the end date, or XXXX XXXX XXXX days excluding the end date. 

I signed up for the bonus offer and a document titled " {$550.00} with {$3000.00} XXXX Checking Offer '' was created during the signup process. In order to qualify for the bonus I was required to " make direct deposits totaling {$3000.00} or more within 90 days of account opening ''. 

Fifth Third bank defines a direct deposit as follows : " A qualifying Direct Deposit is an Automated Clearing House ( ACH ) credit, which may include payroll, pension, or government payments ( such as Social Security ). '' I made XXXX XXXX deposits as stated on the qualification requirements in excess of {$3000.00} each time. Since the deposit requirement states " may include '' it does not define that deposits had to originate exclusively from those sources. The cash bonus was to be deposited to my checking account within XXXX business days after making the {$3000.00} XXXX deposits. 

Fifth Third bank failed to post the bonus as stated on the terms. I contacted my personal banker XXXX, and I informed him about not getting the bonus in the time specified. XXXX stated that he was going on vacation and would have someone else look into this matter. That person never followed up on this issue. 

When XXXX returned from vacation he called to update me on this matter. This time XXXX requested the documentation I received for the bonus offer. I emailed that information to XXXX. A week goes by, and I call XXXX for a status update, and someone else answers the phone informing me that XXXX no longer works at Fifth Third bank. That person stated that someone else would contact me. I have yet to hear back from anyone regarding this matter. I feel like I'm getting the run around and that this matter is not being addressed.