davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-03
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. (CO)

I was approved for a Citi Simplicity card specifically for balance transfers being 0 % for 21 months. Upon approval I had up to 3 transfers available to make. On XX/XX/2023 I made all 3 and was told they would be processed within 2-4 business days. That didnt happen. I waited a week. Still nothing. Waited another week. Still nothing. So I called Citi regarding the status of my balance transfers on XX/XX/2023. The account specialist told me there was a hold on my account but did not care to explain why and then told me all the transfers would be complete by the following day, XX/XX/XXXX. Well, here we are on XX/XX/XXXX and still nothing. This morning I got a text message from the fraud department to provide a yes or no answer to a pending charge. I said yes. I got a text back and said transfer will be completed, there is nothing else you need to do. Cool, right? I check my accounts and still nothing. So, I make another call to Citi. They transfer me to another account specialist and this time they tell me I have to wait for a letter in the mail for a verification code because they couldnt verify my account even though I am speaking to them over the phone and am the owner of the account. I ask for a more clear explanation and all they say is you just need to wait for the code in the mail. This is by far the absolute worst customer service for any bank Ive ever dealt with. So, this goes from them approving me to make balance transfers, me doing so, then it gets put on hold for no reason, then they say it will go through the next day, to now they can not verify my account. What a garbage company.
Consumer complaint received 2022-02-03
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. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2023-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (CO)

This item was identity theft, FTC police report was filed, XXXX XXXX was removed then re-added to my credit report. This is my second time filing a police report and I have been blocked and ignored by both the bank JPMCB Card and XXXX. I would like this issue resolved as I have now started the litigation process with the Colorado Legal service team XXXX.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I previously reported that Equifax ( EQ ) is reporting incorrect information below is the the previous complaint.

Equifax ( EQ ) is reporting incorrect information. All of my student loans are paid in full yet after several attempts to corrected. EQ continue to show they are not paid in full. I also have several others listed below that are not being reflected on my credit reports permanently. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. 

The results of the complaint EQ corrected the student loan accounts showing that they are all paid in full. EQ did not correct and up date the XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX. EQ removed ( deleted ) the accounts. I am requesting that the accounts are to be added back and corrected to show my true credit history.
Consumer complaint received 2022-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (VA)

Loan # XXXX I recently got a mortgage through Truist and since closing, the process has been nothing short of a nightmare. I attempted to setup online access to manage my mortgage but the bank locked my loan account and forced me to go to branch and meet with a banker to setup an online account, so I wasn't able to setup the account myself or properly enter my information and build my personal profile and contact info. I had to call the bank numerous times and spent hours on the phone trying to get the hold on my loan number lifted so I can setup my online access but started to realize that their support operations are nothing short of a joke and their information systems are poorly designed and works very well against customers instead of making their life easier. After going to a branch and setting up the account, I was finally able to login to my account where I was surprised with a ton of wrong information on file related to me and my mortgage. For starters the bank had the wrong homeowners insurance policy information on file and so I had to get on the phone again and waste another hour to get that fixed and after uploading the proper policy documents, I still see the wrong policy information on my online banking. Another issue I ran into is that my physical address under my personal information has a typo that the bank made not me, and when I called to get that fixed no one offered to help and simply asked me to go to the branch to get the bank 's mistake fixed because of the some XXXX  reason about not being able to verify my phone number even though I provided the useless agent helping me with two phone numbers that the bank has on file and he confirmed that the two numbers are listed on file so not sure why he didn't want to help and fix the bank 's error. If this is how the bank treats customers that just borrowed XXXX of XXXX  of dollars, then I am surely in for a rough XXXX  year relationship and already regret going with Truist as a mortgage lender.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my deep frustration and disappointment with the continued presence of inaccuracies on my credit file, despite multiple attempts to rectify the situation. The persistence of these inaccuracies is not only affecting my creditworthiness but is also hindering my financial opportunities. I urgently seek your assistance in resolving this matter. 
Despite my persistent efforts and adherence to the dispute procedures, the inaccuracies persist on my credit file. This situation is critical, as it is impacting my financial stability and credit opportunities. 
I urgently request the following actions : Immediate and expedited review of the documentation provided in support of the disputes. 
Fast-track removal of the inaccuracies from my credit file. 
Transparent communication outlining the resolution process and the steps taken to address this matter urgently. 
Attached, please find copies of the supporting documentation for your reference during the expedited investigation. 

I emphasize the urgency of this matter and the significant impact it has on my financial well-being. As a consumer, I rely on the accuracy of my credit file, and it is crucial that these inaccuracies are promptly and definitively addressed. I am asking for your assistance to remove these fraudulent items in my credit file : 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 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 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
Consumer complaint received 2020-09-21
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: ENCORE CAPITAL GROUP INC. (GA)

I have a loan with XXXX  XXXX XXXX XXXX, XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, MIDLANDMCM, and XXXX  with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2022-07-23
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 2021-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

This is in regards to a contested charge in the amount of {$440.00} on XX/XX/2020 on my Citi credit card. The payee is XXXX XXXX XXXX. I realized the first week of XXXX that XXXX XXXX XXXX charged my card on file without my authorization for an annual renewal of my gym membership. I reported this charge to Citi and they said that I needed to try to work it out with the merchant first and if unsuccessful they would assist. For two weeks I had dialogue with XXXX XXXX XXXX and they said they would reverse the charge but they never did. I went back to Citi and they said give it a " couple of months '' and then come back to them. In the interim, the COVID pandemic occurred, XXXX XXXX XXXX closed, and they filed for bankruptcy. I demanded that Citi reverse this charge and they agreed to do so finally in XX/XX/2020. A credit was never applied to my card. Monthly follow ups ensued with the consistent response to me that we " will be back to you in 10 days with an update. '' The only " update '' from Citi has been closure of my account and issuance of a new card in XX/XX/2020 as they finally realized that XXXX XXXX XXXX could process another charge at any time. It is now been an additional two and a half months with the same replies of it " will be approximately 10 days. '' It has been 11 months now since this charge that I did not authorize was put on my card. I am kindly asking your assistance in getting this situation to a successful resolution.
Consumer complaint received 2022-09-26
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: Bread Financial Holdings, Inc. (PA)

XX/XX/XXXX I purchased items at a XXXX store and got issued a new card from Comenity Bank for {$90.00}. They sent the new card and sent the Statement/Bill- and I paid it. on time. 

XX/XX/XXXX I purchased items at a XXXX store for {$260.00} - I never recieved the bill/statement. By e-mail on XX/XX/XXXX Comenity bank stated that stated they changed to a different system and were waiving any late fees whose payments were due XX/XX/XXXX thru XX/XX/XXXX, I got nothing in the mail which is how i pay ( store Credit cards ) I never chaanged how i go my Bills from XXXX to XXXX. 

XX/XX/XXXX thru XX/XX/XXXX I was in XXXX on Vaction and mail was picked up every day by house/Dog sitter. NO statement was mailed. 

XX/XX/XXXX I purchased items at a XXXX store for {$210.00}. no problem XX/XX/XXXX Email from Commenity bank states they are concerned and wanted to " talk '' - still nothing in Writing. 

XX/XX/XXXX Email says statement is ready and payment is DUE XX/XX/XXXX. 

XX/XX/XXXX, Email states my payment of {$30.00} is due on XXXX, XXXX XXXX (? ) XX/XX/XXXX - Called 3 times nothing resolved total time 40 minutes. Canceled card. 

XX/XX/XXXX Letter 1st correspondance recieved. Stating I owed {$560.00} - no breakdown in costs, nothing to verify why would owe this when it was the first time I recieved. 

XX/XX/XXXX I called and complianed to XXXX. I am emailing them a copy of this complaint and paying the bill at the store. At XXXX XXXX Comenity Bank is in a complete financial mess and holding customers XXXX and NOT issueing bills as agreed, then collecting fees they say are due but in reality are fraud. 

Comenity Bank - XXXX XXXX XXXX XXXX Ohio XXXX Comenity.net/XXXX Comenity Bank XXXX XXXX XXXX, XXXX TX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX, MA XXXX
Consumer complaint received 2020-10-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (TX)

I have been with Mr Cooper 17 years and have never missed a payment. I have been in the process of refinancing my home and the loan officer is XXXX XXXX XXXX. For the past XXXX weeks I have reached out to her 3 times and she has failed to follow-up with me and has failed to provide the customer service. I called on Saturday XX/XX/2020 Me Cooper to comment on my experience and a manager would call me back. It is Tuesday XX/XX/2020 and I called again Mr Cooper and was on the line for 47 minutes with no guidance or customer support to remedy the situation. This experience no customer should endure. I highly recommend you do not do business with Mr Cooper as you will regret the negative experience.
Consumer complaint received 2020-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (UT)

I initiated a refinance with a cash out with Caliber Home loans XX/XX/XXXX. Everything went fairly smoothly until the third party title company, XXXX  XXXX, who Caliber selected to handle the paperwork, became involved. 

First, the paperwork was a mess. As part of this process, we were removing my ex-husband from the deed. He wasn't listed on the prior loan, or on the refinance, but he was still on the deed. When the notary showed up with the paperwork, instead of removing him from the deed, they listed him as a borrower and they had the closing costs listed incorrectly. I get it ... mistakes happen ... so we scheduled another appointment to sign the new paperwork. Except, it was still messed up. In total, the notary had to come three times ... my ex and I had to take time out of our day and try and coordinate our schedules ... it took in total 3.5 hours of our time just to deal with the paperwork with the notary. I am glad my ex and I are on good terms ... can you imagine how difficult that might have been if we weren't?! 

I received notification that the loan had closed and funded on XX/XX/XXXX a little after XXXX, and that the funds from the payout would be wired within 72 hours. I conservatively set the deadline for when I should see funds in my account at end of day on the XXXX, which was 3.5 business days, well over the 72 hours. At end of day Monday, the funds had not been transferred. I reached out to Caliber, and was notified they were looking into it. On Tuesday, I reached out again and was informed it was escalated it to management. 

It's now the XXXX. I spent 3.5 hours this morning trying to figure out what is going on and where my money is. XXXX XXXX told me it was a COVID-19 related delay at my County Recorders office, but that they had received a notice yesterday that it was recorded and I should receive the funds today. To confirm, I called my County Recorders office, who informed me that was not the case, the paperwork HAD NOT been recorded but rather had been rejected, and it wasn't in line for recording. At this point, I then called and talked to XXXX XXXX at XXXX XXXX, and I did a three way call with my County Recorders office. The guy at the recorder 's office let her know what is going on, and she was going to get in touch with the recording team to resolve. 

I have no idea when it will be resolved, however, in the meantime, I am paying interest on two loans, and I still don't have the $ XXXX in my account that should have been there two days ago. It appears everyone involved from Caliber to XXXX  XXXX is satisfied with sending me emails that they have " escalated to management '' and apologizing for the delay. 

IN CASE THIS IS TLDR ... I STILL DON'T HAVE $ XXXX IN MY ACCOUNT THAT SHOULD HAVE BEEN THERE TWO DAYS AGO!!
Consumer complaint received 2021-01-23
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: GLA Collection Company, Inc. (OH)

GLA COLLECTION COMPA Opened XXXX XXXX, 2019 did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2022-07-23
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. (MS)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed XXXX {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$500.00} XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX  XXXX XXXX Date XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received a copy of my consumer report and noticed a late payment on an account that I am requesting to be updated to paid on time, never late. This organization has contravened my consumer rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. This violation has caused me XXXX XXXX and has recently induced XXXX ideation  ; therefore, I request that this issue be resolved in a fair and equitable manner, in accordance with the principles and provisions of the FCRA. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. This agency is the creditor and the open end consumer credit plan is the credit card account of the consumer, which is me. Late payments can not be reported if the consumer was not notified 21 days prior to the due date. It should state " mailed or delivered '' to the customer. In addition to being in violation of federal law, the reported late payments have harmed me by defaming my reputation and constitute aggravated identity theft on the part of their agency. This is because I did not provide written consent for them to report this information, which is a clear violation of the Fair Credit Reporting Act 's permissible purposes section ( 15 USC 1681b ( 2 ) ).
Consumer complaint received 2020-09-21
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. (NV)

I was aware of this fraud account on my credit XX/XX/2014 XXXX XXXX XXXX. I am not aware of where it came from or who used my information. Since XX/XX/2014, I have been trying to get this account removed off of my credit.