davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MA)

Hi & happy Saturday again, I'm not sure where to bring this issue to!!! I was going through my credit report from the credit report agencies and credit monitoring sites and I've challenged this inaccurate information with departmental store BestBuy because there is an unknown late payment on my report from XX/XX/2017 30 days late payment. How is that possible? 

I have an impeccable credit profile and this is really stressing me out and I can not have accurate information/RESPONSES and proof back this company. I send out a letters as shown to the company for in-depth verification on that late payment and asked if they can not prove I was actually and factually late - then I need it to be updated as paid as agreed and NEVER LATE. Please change that.
Consumer complaint received 2019-06-18
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. (VA)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2022-12-07
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. (FL)

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-09-08
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)

XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2024-11-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: AMERISAVE MORTGAGE CORPORATION (FL)

While trying to refinance a property I was told several times that I didnt understand the process because I was a XXXX  including comments that state because I am a XXXX  I couldnt have a post office box and not receive mail at my house.
Consumer complaint received 2022-12-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

My checking account is with Investors Bank, now a division of Citizens Bank as explained on their website. 

Planning to close my account, I reduced my bank account balance to {$0.00} in order to close it. Until that point I had maintained a {$1000.00} balance in the account in order to avoid a {$10.00} service fee. I attempted to reach customer service to close my account and for over a week was unable to connect with a customer service representative. When I finally reached a customer service representative, after the new month had arrived, I saw that my account had been charged the {$10.00} fee for having a low balance. It thus had a negative balance ( {$10.00} ). I was instructed to " zero '' the account ( i.e., add money to it ) in order to close it. 

The obvious difficulty here is that I will never be able to zero the account if I can not reach a service representative and am charged a service fee that brings my balance below XXXX.
Consumer complaint received 2022-05-18
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Ive been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail, this is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.
Consumer complaint received 2020-05-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Management, LLC (CO)

A-1 Collection Agency, LLC is pursuing payment from me in the amount of {$28000.00} on behalf of my deceased husband, XXXX XXXX, for services provided at the XXXX XXXX XXXX in XXXX XXXX, Colorado. My late husband had his own health insurance and these medical bills should have been covered under his healthcare plan. I was not a guarantor on his health insurance account ; I was not a co-signer ; this was not a joint account, nor did I sign any documents on his behalf. I am not a beneficiary to any of his estate that would cover any outstanding balances due on his behalf because there is no estate. I have attached a copy of the statement from A-1 Collection Agency, LLC, XXXX. XXXX XXXX, XXXX XXXX, Colorado XXXX XXXX - and have high-lighted the line item reflecting the {$28000.00} medical collection. I have tried to communicate directly with A-1 Collection Agency, LLC and explain to them that I am not responsible for this debt. Colorado is not a community property state and I am not a guarantor on this insurance bill so consequently this debt does not belong to me. A-1 Collection Agency, LLC is relentless in their pursuit to collect this outstanding debt and they are doing so illegally. I receive multiple phone calls throughout the day and evening. Pursuing a collection from me in the manner in which A-1 Collection Agency, LLC is operating is a violation of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity. The law, as amended in XXXX, restricts the means and methods by which collectors can contact debtors, as well as the time of day and number of times contact can be made. If the FDCPA is violated, a suite may be brought within one year against the debt collection company as well as the individual debt collector for damages and attorneys fees. In summary, this account does not belong to me and I am not responsible for this debt. A-1 Collection Agency, LLC needs to discontinue their unsubstantiated pursuit against me for this bill.
Consumer complaint received 2024-11-24
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: TIDEWATER MORTGAGE SERVICES (FL)

My name is XXXX XXXX Complaint against : tidewater mortgage services and XXXX XXXX Title complaint address : misleading calculation of the seller property tax debt Im writing today to complain of poor service I received from mortgage and title companies that i assigned to complete my purchasing and closing process for my new house I bought XX/XX/XXXX They faulty calculate the seller property tax portion as only XXXX $ while his fair portion is XXXX $ as the tax bill for XXXX is XXXX XXXX I called both title and mortgage company to ask them to fix this and compensate the difference, they pretend that they did that estimation according to the last year ( XXXX ) tax bill which is misleading information as the seller bought that property in XX/XX/XXXX with a homestead tax advantage on it that he was inherited after purchase but he cant inherit me the same bill as he bought it with different value, the point here, is their estimation was neither professional nor fair as they can easily calculate it by using ( tax estimation service ) offered by official website of the county property appraiser ( https : //www.pcpao.gov ). they know that the seller bought the house in XX/XX/XXXX and he sold it to me XXXX, so there is no way for the tax value to stay the same with a new house value and without homestead advantage. Im all hope that u can solve that issue out Attached closing disclosure and property tax bill
Consumer complaint received 2022-10-31
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: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$690.00} ; XXXX XXXX XXXX Balance : {$710.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-06-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION (NV)

I opened a checking and money market with BBVA Compass in XX/XX/2019. I made several transfers from my existing bank in the process of transitioning to this new bank. On XX/XX/2019, BBVA closed my account, sent me a letter indicating that they would send me a cashiers check. This has not been received 2 weeks after freezing/closing my account. 

Or or about XX/XX/2019 I made a further transfer of {$9000.00} from XXXX via an ACH pull from BBVA, having transferred smaller amounts previously. This was intended to satisfy the minimum balance of XXXX for their money market account. Shortly thereafter, my online access was frozen and when I called, I was told first that my funds were being held until they cleared. When this was not resolved, over the weekend, I was told that my account had been closed for reasons that could not be disclosed. Last week I called BBVA and was told that I would not be receiving a check, instead XXXX was requesting the money back. I called XXXX, who confirmed that this was false and that there is no dispute. I want my funds back, which are between XXXX and XXXX. Because I can't access any information about my account, and because of constantly changing stories, I'm at a loss. BBVA also reversed XXXX completed PIaid based ACH transfers, which were against cleared funds, leaving me with charges and negative balances at both institutions.
Consumer complaint received 2022-12-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

I was buying something from this guy online for exactly XXXX XXXX we went through paypal. Didnt work, then cashapp, didnt work. Then XXXX, Didnt work. And then we finally landed on zelle. After he sent the money he shipped the item ( he didnt ) and just ate my money I need help ASAP. The bank denied me my money back
Consumer complaint received 2020-05-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/XXXX spoke with a representative about my credit card payment. I stated to the rep that I had been trying to reach someone in customer service since XXXX about wanting to return the items which was the balance due in acct. Rep stated no worries she would take care of late payment and not to make any payments because she had sent in request to not make payment due to customer return. I for proof email that she did that she stated she could not send me a email but not to worry my credit would not be affected. Call again on the XXXX spoke with another rep she stated the same thing not to worry everything was already put in my account would not report negative. On XX/XX/XXXX I got a negative reporting stating 30 days late called spoke with rep on XX/XX/XXXX he said the rep did not submit request correctly and thats why it was reported late. I made the payment of XXXX he stated that he would put the request in to credit back team to remove negative impact and give me my points all back. On XX/XX/XXXX I get another negative report to transunion 68 points dropped because it was just reported to them and XXXX  as well Im very upset I mean emotionally distressed because of this negligence unacceptable customer service experience from XXXX representative. On XX/XX/XXXX I called spoke with a foreign agent XXXX first she gave me fake I.D number XXXX then she said XXXX she lied about what the rep notes stated in the system put me on mute I let her know the call was being recorded she never came back I hung up called back got a american agent XXXX I .XXXX XXXX she stated that the back office did not do their part after the both reps submitted payment relief application on my behalf to have minimum payment waived with late fees as well she it was their fault for not handling it in a timely manner and correctly. This should be updated no later than XX/XX/XXXX.
Consumer complaint received 2022-10-21
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

SPS received my loan due to a service transfer XXXX XXXX ( payment already submitted to previous lender ) XXXX payment went unpaid, i noticed it was not withdrawn as i set up to be done at closing originally and i called in to make payment the first week of XX/XX/2022 for both XXXX and XX/XX/2022 and all was caught up. I went to purchase a new vehicle and i was told that my credit was reported late for the month of XXXX, i called into the company and they stated they were unable to update the reporting due to the transferred 60day grace period being over. this maybe a system issue/coding but the payment or the month it was transferred over was paid and XXXX payment was made to solve both XXXX and XXXX this drastically hurt my score and i was unable to be approved due to this. The refusal to correct this issue is unfair and abusive to me and a customer although this is one credit hit it has been extremely stressful on me as my credit is something that i take care of! IF the servicing transfer never took place this would have never happened which makes this completely unfair.
Consumer complaint received 2022-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (AL)

During XX/XX/2022, Apple Card offered a 5 % Cash Back promotion for a new card holder on their first purchase from Apple. I signed up for a new account on approximately XX/XX/XXXX and ordered a XXXX '' XXXX XXXX on XX/XX/XXXX. Due to shipping delays, the laptop was not expected to ship until XXXX XXXX. During that time, I used the card with the anticipation of paying off the full balance when the laptop charge hit so that I could have the full available balance for the charge. 

On XX/XX/XXXX, I got the alert that the laptop charge was attempted and did not clear due to insufficient available credit. I paid off the balance in full that day, but Goldman Sachs/Apple Card held my payment for 10 days. During those 10 days I called and texted daily both Apple and Goldman Sachs to try and resolve the situation. Per Apple, my laptop order would cancel on the XXXX, and per Goldman Sachs, my payment would not post until the XXXX. Goldman Sachs attempted to expedite the payment daily but " The System '' Would not let them since it was a new account, and no supervisor I talked to could do anything. On XX/XX/XXXX at around noon, my laptop order canceled, and 12 hours later around midnight on the XXXX the Goldman Sachs payment finally posted and I had the full available line of credit. 

I ordered another laptop and asked if I could get the 5 % cash back offer on the new purchase and was denied since it was outside of the offer window. I tried to explain that this felt like a bait and switch tactic since I was not the reason the payment was held, and that I did everything I could to make the offer happen. I was denied multiple times, and various cases were " sent up '' to departments with no follow up. The times someone did try to get back to me, they redirected me to front line support who could not do what I was requesting, or simply put in more cases that were never followed up with. Throughout the process of trying to get the payment expedited and trying to get the 5 % cash back. I was told multiple times that if I had first put the money in the Goldman Sachs Apple Cash account, that the credit card payment would have posted instantly which also feels rather dirty and scammy.
Consumer complaint received 2020-05-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Remarks were added to all 10 accounts in response to my student loans being placed in an automatic forbearance due to the CaresAct. My credit score was drastically affected by this action. Credit scores were improperly damaged when their federal student loans were paused due to the CARES Act. Under the CARES Act, all federal student loan payments are paused as of XX/XX/2020 until XX/XX/2020. As a result, borrowers are not required to make federal student loan payments. Further, borrowers who do not make payments should have no impact to their credit score. Despite this law, my credit score was damaged anyway. 
I contacted the loan service company ( XXXX ) who stated that they did not make any changes to my loan account. I am not past due on any of the ( 10 ) student loan accounts listed. 
They are unable to explain the drastic credit drop at this time. Also contacted the credit bureau directly and they advided me to write a letter submitting a complaint. A letter was written and submitted to them as well.
Consumer complaint received 2022-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Summit A*R, Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. SUMMIT ACCOUNT RESOLUTION XX/XX/2021 XXXX U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.