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: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

This is an issue im having with my BJ 's credit card from comenity bank. Very long story, when originally opening the account around late XXXX i received 2 different cards both under my name, since i'm XX/XX/XXXXthere i went and asked if theres anything i should do and I was told to just activate one and leave the other which is what i did, ever since that day I opened an online account to manage my card and it would come up under the other account number, called a couple of days after this to see if the issue could get fixed, was told they are updating their systems and i would be able to have my issue sorted XX/XX/XXXX or after. Called middle of XXXX to see if it could be fixed, had online account deleted and remade still with the same issue, used their easypay feature to make a payment on the card i was using ( also on the easypay page would come up as the other account number instead of the one being used ) made a payment for the XXXX of XXXX about a month ahead. Come the XXXX of XXXX when payment was due i check the account and the payment has gone to the blank account that i have not activated or used. Called them for a refund and to pay off the bill once again. Thought this went smoothly and called a couple of hours later to make sure everything was gon na go through and was told the payment was never processed and that the refund also wasn't put through. This other person did push the refund through and also take the payment which did go through in the future, unfortunately to the same blank account when i was told it would pay off the correct one. Called this morning about getting another refund and finally paying it off and this person helped with the refund and the payment and assured it would go through to the correct account but that i'm still waiting for. They also very kindly credited me the late fee that was added for my " missed payment '' .Very frustrating issue to deal with that nobody can fix apparently and its been going on for about 3 months now and i very much dont want to have any issues with my credit so i'm looking to get some help.
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 — Account information incorrect
Company: Freedom Mortgage Company (OH)

on XX/XX/22 I was alerted by one of my creditors that my DTI was extremely high as they were reviewing for a potential credit increase. this was due to my mortgage company reporting my loan twice making it appear that I have multiple home loans to the tune of XXXX XXXX dollars. I contacted them to have it corrected and sent them documentation showing the duplicate entries. they replied it should be fixed by Monday. Monday came and nothing has been fixed. 

on XX/XX/22 they contacted me and told me that the information reported on my credit was correct. even as I told them I only have one home loan with you and to explain the other loan. I have informed them twice now that they are causing me financial harm and hardship as this has lowered my credit score by over XXXX points and I have credit card companies asking me to get this fixed or they will close my accounts. even as I have paid all my bills on time.
Consumer complaint received 2022-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Hello, Citibank blocked our checking account after we deposited a check to our account. We are unable to make any transactions on the account. We have called in and attempted to fix this issue. They will not unblock our account for 10 business days.
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: EQUIFAX, INC. (NV)

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 Bum. 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 XXXX  PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-08-23
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. (GA)

On XX/XX/2022, I pulled my TransUnion credit report and noticed more violations. I want the description of the reinvestigation procedure for the below listed accounts. I want to know who you all spoke with to verify that these accounts were complete and accurate. I want the full names of each person, the addresses, what was asked to them, and what was provided by them in order for you all to deem this information to be accurate. Pursuant to 15 USC 1681i ( a ) ( 7 ) you are to provide that information to me no later than 15 days. 
1. XXXX XXXX XXXX 2. XXXXXXXX XXXX 3XXXX 1.XXXX XXXX XXXX 2. XXXX 3 . XXXX XXXX 4.XXXX 5 . XXXX 6. XXXX XXXX 7. XXXX Please note that I am aware that TransUnion ultimately never had my consent to report any nonpublic personal information to any 3rd parties or even house my information. I am aware that credit reporting is completely voluntary and you have taken complete advantage of me by ruining my reputation. You are to permanently delete the above listed accounts and inquiries.
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. (TX)

XXXX XXXX wrote off a collection amount of {$220.00} claiming I opened an account with them on XX/XX/2022 and closed it on XX/XX/2022. I had no knowledge any of this even existed. It was written off about XX/XX/2022. I asked Transunion and XXXX to research it and remove it. After presuming my name, SSN, and DOB were sufficient information on the account opened online, they both decided it was still my account. It was opened for an apartment XXXX hours drive from my house. I did not open it because I did not need electricity for a residence I do not rent XXXX hours away. The phone number on the account has a XXXX XXXX area code, which I have never been to. The email address is actually the perp 's name and his birth year!! The criminal was born and still lives in the city in question. I have NEVER resided there. I have been basically ignored by both XXXX and Transunion!!
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

" Care Credit '' is a credit service offered to mostly low income people. It can be applied for veterinarian services as well which is very helpful. 

Last year, my neighbor 's dog attacked and almost killed my little dog. They did not offer to help me with the bill. It was over a XXXX dollars. I did not have the money so the vet suggested Care Credit XXXX Synchrony Bank ). I was approved but with an enormous interest rate of 26.5 % percent. This is predatory. This is Synchrony Bank forcing extremely high interest rates on low income people in need. Per pretty good credit since, I requested Synchrony Bank reevaluate and consider lowering my exorbitant and predatory interest rate. They just responded that they refuse to do this. 

" Care Credit '' is a misnomer and people need to stop referring low income people to this credit service. They in fact prey on low income people and their interest rates are predatory. They have also charged me at least {$29.00} in fees! I can't get an explanation why. I am asking CFPB to help me in negotiating a lower interest rate and get an explanation why the fees?. I can say my goal is to pay it off as soon as I can and close the predatory account and never use this credit service again. Thank you.
Consumer complaint received 2022-10-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MI)

I am filing this complaint against XXXX Mortgage XXXX XXXX XXXX ID # XXXX XXXX XXXX XXXX XXXX IN XXXX Essentially, in computing my escrow account, they doubled my summer taxes. In Michigan we pay summer taxes which are much higher than winter taxes. For ex summer tax XXXX winter tax XXXX. Instead of estimating my winter tax based on the increase of summer tax, compared to XXXX or simple math and applying the new calculation, they DOUBLED my summer tax and increased my monthly house payment by XXXX a month. I called the spoke to the tax department XX/XX/XXXX and uploaded all proofs of winter tax I received and then followed up with them on Tuesday XX/XX/XXXX. They refuse to acknowledge their errors and insist I pay the additional XXXX a month until the city of XXXX Michigan publicly publishes the winter tax amount. So in essence their accounting practices are predatory in nature. Their research consists of going to the citys website and if new taxes are not published they double your most recently paid amount. Ive owned several homes and this has NEVER happened. I am hitting a brick wall with them and I did not chose this company but was sold to them. XXXX Mortgage XXXX XXXX is unethical, predatory and committing fraud on homeowners.
Consumer complaint received 2022-10-11
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. (MI)

On XX/XX/2022, I sent a certified letter to XXXX XXXX Acct # XXXX, tracking number : XXXX and it was delivered on XX/XX/2022, at XXXX. This letter was demanding that they cease all communication on all mediums included but not limited to my consumer reports Experian, XXXX and XXXX. 

I also sent copies of these letters to Experian, XXXX and XXXX via certified mail letting them know that I refused to pay this alleged debt. As of XX/XX/2022, Experian and XXXX have continued to report this inaccurate and false information. 

Experian has failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 )
Consumer complaint received 2024-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (WA)

XX/XX/XXXX, my wife meant to make a principal payment only of {$900.00} using her own bank account but the system took out the regular monthly payment of {$1200.00} plus the {$900.00} so a total of XXXX was recorded. XX/XX/XXXX was a Saturday so she called first thing in the morning on XX/XX/XXXX to report that she only meant to make principal payment, because the regular payment is already on autopay under my own bank account and request for the {$1200.00} to be refunded back to her. 

Today is XX/XX/XXXX and we still have not gotten her refund that was promised on XX/XX/XXXX and everytime we call to check, an agent will tell us that it's being processed and kept giving us a different date on when we will get the refund. Now we're getting an email from Newrez saying we are XXXX months behind even though they take the minimum payment regularly on my bank account automatically and we have our bank record to show we are on time! 

We have spoken to XXXX supervisors who gave us completely different informations. We need our refund back and warn people about the incompetency of this company!
Consumer complaint received 2022-12-01
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: M&T BANK CORPORATION (IL)

On XX/XX/22 Section 604 15 U.S. Code 1681 B was violated by the credit reporting agency. It is not late and I didn't consent for them to report this.
Consumer complaint received 2022-12-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Stellantis Financial Services US Corp. (GA)

I purchased this car in XX/XX/XXXX and at the time had no idea we were going to face a tremendous hardship around the country. 

Covid 19 hit and I had a late payment in XX/XX/XXXX due to reduction in hours and we had to go work from home and was at home with no work until they got us set up for work at home. 

This company is the worst to deal with and I have tried to ask for some type of care and concern due to this unexpected event in our country. 

They have horrible customer service and I have been trying to reach CEO to get assistance to no resolve.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-21
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. (GA)

On XX/XX/2022, I sent letter to Experian and XXXX to remove an inaccurate account on my credit report from XXXX # XXXX for violating my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Also, on XX/XX/2022 I sent letter to XXXX about reporting this inaccurate account on my credit report, but they stated it was sold to XXXX XXXX XXXX I then sent XXXX XXXX a letter on XX/XX/2022 and they stated they no longer attempt to collect. MY QUESTION NOW IS " WHO OWN THIS ACCOUNT and WHY XXXX, EXPERIAN, XXXX CONTINUES TO REPORT IT ON MY CREDIT REPORT ''. If XXXX sold the account to XXXX XXXX, then XXXX no longer owns the account. So if XXXX XXXX is new owner of this account and they no longer attempt to collect THEN REMOVE THIS FRUAD ACCOUNT FROM MY CREDIT REPORT ASAP.
Consumer complaint received 2022-09-28
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. (SC)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX U.S.C 1681 Section 602 A. States have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
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. (MS)

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 XXXX 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 2022-12-01
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Frost-Arnett Company (OK)

On XX/XX/2022. Frost-Arnett contacted my wife by text message about a XXXX  debt that I have never seen or have been sent any info for. I have never had any dealings or done any business with Frost-Arnett XXXX They sent two separate XXXX XXXX containing a medical debt that I have never been billed for.
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. (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 2024-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

A scammer got into my account by phishing for information from me by pretending to be a USAA employee. When they gained access to my account they added their checking account to my bank and transferred money into my account then transfered {$5000.00} out of my checking account. They did this by doing 12 transfered of XXXX and 1 transfer of XXXX. Each trasfer had a different amount in XXXX  so they weren't all exactly the same. The next day I looked at my account I found the issue ( not my bank ) and I reported it immediately. This happened XX/XX/year>2024. When I reported it my account was frozen immediately and told the money would be returned within a few days. After 1 week I started calling regularly. Each time I recieved a different employee who had no idea what was going on with my account. After 3 weeks of that I started to request to speak to a supervisor, that didn't help either. After 5 weeks I finally got someone who said XX/XX/XXXX it was determined that I would not be getting funds returned. The bank never notified me as to what was going on throughout this entire time and there was nothing sent to me saying I was not recieveing my funds when the decision was made. For 3 weeks I thought I was getting my money back after it was decided I wasn't.
Consumer complaint received 2022-07-13
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. (PA)

I sent a letter on XX/XX/2022, to remove these accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. Please do an immediate action regarding this matter. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  ) XXXX : {$710.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$460.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX : {$460.00}