davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MD)

I changed my homeowner 's insurance company to XXXX XXXX XXXX XXXX, effective XX/XX/XXXX. The policy covers XX/XX/XXXX to XX/XX/XXXX. FYI-Monies for my homeowner 's insurance and property taxes are a part of my escrow account and included in my mortgage payment. My mortgage payments and account are managed and serviced by Fay Servicing. 

XX/XX/XXXX ; I received a notice from XXXX stating that my homeowner 's insurance policy was not paid on XX/XX/XXXX and that an invoice of {$740.00} was due. I contacted Fay Servicing and requested that they the pay invoice. They instructed me to get a copy of my insurance declaration and current billing statement. I complied and provided them the attached via email on XX/XX/XXXX. 

XX/XX/XXXX ; I received another notice from XXXX stating that my homeowner 's insurance policy had not been paid by Fay and that an invoice of {$740.00} was due. I contacted Fay Servicing and requested that they pay the invoice. They instructed me to get a copy of my insurance declaration and current statement. With the assistance of XXXX 's XXXX XXXX : XXXX XXXX, again I complied and provided them the attached via email on XX/XX/XXXX. 

XX/XX/XXXX ; Again I received another notice from XXXX 's stating that my homeowner 's insurance policy had not been paid by Fay and that an invoice of {$370.00} was now due by XX/XX/XXXX and that my insurance was in jeopardy of collapsing. Based on my conversation with XXXX the payment of {$740.00} had been reduced by {$370.00} due to COVID Relief Fund. 

Throughout my contact beginning on XX/XX/XXXX, I have left messages for my Account Manager XXXX XXXX. XXXX is either busy or never return my calls. 

XX/XX/XXXX ; I contacted Fay Servicing and requested that they pay the invoice. I encountered 6 different representatives, with the exception of one XXXX, Account Manager, most were either unhelpful, rude or transferred me without prompting : 1 )  XXXX. ( not knowledgeable and transferred me without any prompting or explanation ) ; 2 ) XXXX @ XXXX XXXX. ( RUDE needs training or another job-NOT customer service material ), 3 ) XXXX @ XXXX XXXX. ( patient, very nice and tried to get XXXX XXXX on the phone line ), 4 ) XXXX XXXX, various dates and times since XX/XX/XXXX XXXX never available or return calls ) and XXXX ) Finally, XXXX, Account Manager ( polite, helpful and businesslike ). 

It is my hope that XXXX 's instructions ( same process as before ) will resolve this matter but I just do not have any faith at this point. However, I will comply and send them a copy of my insurance declaration and current statement for the THIRD time. 

Fay Servicing has horrible customer service most of the time! I absolutely hate doing business with them. Please help me!
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to formally request the immediate blocking and deletion of certain fraudulent accounts and inquiries on my credit report. I am a victim of identity theft due to a data breach, and the following accounts and inquiries were not authorized by me. 
Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the prompt blocking of the following information from my credit report : Fraudulent Accounts : XXXX. XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$720.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$24.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$720.00} XXXX. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2900.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX. XXXX/XXXX  - XXXX - XX/XX/XXXX - {$4200.00} Unauthorized Inquiries : XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX XXXX XXXX  XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX  - XX/XX/XXXXXXXX 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

To Whom it May Concern, We are almost exactly a year into a catastrophic pandemic where over 500,000 Americans have died of Covid-19. Maintaining financial stability and good credit are paramount to surviving a cruel and mismanaged federal response. So it was to my great surprise that Discover sent me an email on XX/XX/2021 that stated my {$8000.00} credit line was being canceled, and my account would be closed. 

" As a result of a recent review of the Discover it card account referenced above, we have reduced the credit line on your account and it will be closed within 30 days from the date of this letter.

This action will be taken for the following reason ( s ) : Inactivity on your account ( s ) Serious delinquency Time since delinquency is too recent or unknown '' I contacted Discover on XX/XX/XXXX to contest the cancelation, in which they told me the decision could not be reversed. They followed up on XX/XX/2021 with a phone call from a supervisor who confirmed it would not be reversed. 

The " serious delinquency '' was a student loan that ( unbeknownst to me ) was not covered by the CARES act and went a few months unpaid. As I am unemployed ( due to the pandemic ) I resolved the issue with the student loan lender by deferring payment, but they refused to reverse the derogatory mark. This has created a cascading effect, where several of my credit lines have been attacked. XXXX XXXX attempted to reduce my XXXX credit line. Now Discover. What's next? 

The " inactivity '' was me trying to be frugal in an incredibly stressful period in AMERICAN HISTORY. I didn't use the card, because I feared getting into debt when there is limited income. 

This decision by Discover is unreasonable and needlessly destructive to my credit, in a time when uncertainty is incredibly high. To kick those who are down, who have played by rules, and are just trying to survive is borderline criminal. Something must be done. My credit score has plummeted 150 points overnight. These credit card companies must not be allowed to continue with their tone-deaf policies. And rhis must be happening to millions of other Americans. It's not right.
Consumer complaint received 2022-08-15
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00}
Consumer complaint received 2020-08-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NV)

I was sent money on XXXX. This transaction immediately was seized for review. I was informed that it would be reviewed and released in 72 hours. I've had this happened before and it usually clears up 72 hours. 
The next day I receive a request for additional information. A date of birth from a name listed on the transaction list. Not only do I not have that information that is protected information that I can not release. I reply telling them what the payment was for, and that I couldn't release protected information. I go back and forth through the resolution center, and just keep getting repeated requests for this DOB. I contacted the person that sent the money, and they tried to pull the transaction. They were told they needed to contact me and resolve it with me. So I tried using the message center. They told me to disregard the request for DOB because that was irregular and to give a information as to what the payment was for and why it was sent. Which I then did. And then I got another email stating that I didn't give them the DOB they requested and they needed the DOB. I did this 3 more times with the same results. Now I'm trying to cancel the transaction and refund it, so that the sender can try resending a different way. They keep dodging me and now I have XXXX $ that is frozen in the Paypal account because they are demanding information that would be illegal for me to give them even if I had it.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

am writing to formally request the blocking and deletion of specific accounts on my credit report due to my status as a victim of a data breach. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate removal of the following accounts : Accounts to Be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Bankruptcy - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$110.00} XXXX  - XXXX - XX/XX/XXXX - {$220.00} Inquiry to Be Blocked and Deleted : XXXX - XX/XX/XXXX
Consumer complaint received 2021-02-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

there is various lines not being reported correctly, there are various lines reporting the wrong information. All agencies should be reporting the same information : Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Secured credit card Credit line secured Secured credit card Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$25.00} {$25.00} {$25.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$290.00} {$290.00} {$290.00} No. of Months ( terms ) : 0 0 0 High Credit : {$460.00} {$460.00} {$0.00} Credit Limit : {$300.00} {$300.00} {$300.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Secured credit card Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ACCT HISTORY is not reporting correctly
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally request the immediate blocking and deletion of certain inquiries from 
my credit report, as I am a victim of a data breach and identity theft. Under 15 U.S.C.  1681c2(a) and FCRA  605(b), I am entitled to have unauthorized or fraudulent information removed 
from my credit file to ensure its accuracy.
Please remove the following unauthorized inquiries from my credit file:
XXXX XXXX XXXX XXXX
Date of Inquiry: XXXX
XXXX XXXXXXXX XXXX
Date of Inquiry: XXXX  XXXX  XXXX
Date of Inquiry: XXXX XXXX XXXX XXXX
Date of Inquiry: XXXX XXXX XXXX
Date of Inquiry: XXXX XXXX XXXX XXXX XXXX
Date of Inquiry: XXXX XXXX XXXX XXXX
Date of Inquiry: XXXX XXXX XXXX XXXX XXXX
Date of Inquiry: XXXX
Consumer complaint received 2022-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I began questioning this organization in XXXX of XXXX into XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2020-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (CA)

I have two credit card issues with Citibank. Both regard their " revisions '' to credit limits. 

The first is what I consider to be an " emergency only '' card. I've had it for six years, always on time, always zero 'd out balance. Recently I had to use that card for an emergency medical bill XXXX {$1100.00} XXXX. The charge was on my bill for one payment cycle. When my statement closed, Citibank " revised '' my credit limit downward from {$2200.00} to {$1000.00}. This made it look as if I was over/at the maximum of my credit utilization. 

The second is my Citibank XXXX XXXX mileage card. Recently I was 5 days late in making my credit card payment. ( I've always made on time payments to both cards ) After I realized my payment was late, I resolved the matter and made a payment immediately. Two business days later, Citibank " revised '' my credit limit down from {$7200.00} to {$6200.00}. Now, again, it appears that I'm over utilizing my credit. 

I have contacted Citibank about this, and have mentioned that every time I login, they explain on banners, emails, pop-up notifications, that they are here to help during this pandemic. I have asked both a customer service representative on the phone, AND the CEO of Citibank for assistance. Why would Citibank suddenly be revising credit limits during a pandemic, especially when they claim to be there to help. Also, why revise when I've been a long term customer with no late payments. The answers have been polar opposite. 

For my first " emergency '' card, the representative was abrupt, and unhelpful. I decided to close my card and have paid the balance in full. The CEO 's office sent an automated message that my credit line had been restored, but it was too late, especially after the phone conversation with their CSR. 

The second XXXX XXXX XXXX card ) issue has yet to be resolved. I've emailed the CEO 's office and have spoken with a CSR. I don't understand how a company can claim to help, and switch the terms of how they help. This seems like a bait and switch to me. It makes my credit utilization look as if I have increased my usage exponentially, which in turn lowers my FICO score. This cascades into other credit cards then questioning the limits they've given me. 

I think this practice is wrong, and borderline illegal considering the " help '' they are claiming to offer customers. 

Please help. Their advertising and their operations seem to be in two separate realities.
Consumer complaint received 2020-05-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (GA)

I have over $ XXXX in XXXX school loans currently being serviced by FedLoan Servicing. I am a XXXX   and have been making qualifying payments for the last almost 9 years toward the Public Service Loan Forgiveness program. By my own count I have made 105 qualified payments of the 120 payments required for loan forgiveness. FedLoan currently has two of my loan payment counts at 75 and two at 60. These numbers are dramatically lower than the actual count and should be the same as I have never paid on only half of the loans - the payments should have been going to all four. I  called and requested a manual recount for my account with FedLoan on XX/XX/2020 but still have not received results of that recount.
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CBC Companies, Inc. (FL)

There was no report generated, when I requested one. The portal stated that I needed to mail in a copy of my ID, Social Security Card, and proof of address. After doing so, and waiting quite some time, I received a letter. It is one of those that are preformatted. Here, they simply ignored what I was asking for and didn't explain what- if anything - was missing from my request. When a business tells you that you have to write a letter, and you can't call, e-mail, or fax, it is a way of making things harder and letting you know that it IS going to be hard for you to get what you want. At this point, I need a someone to reach out and provide the steps to follow and, when received, confirm that they meet the necessary requirements. This is a consumer-reporting agency, and they are not allowing access in a manner which is clear, concise, and forthcoming. The best way to reach me is via e-mail. This will assure that if I am unavailable when they call, I can reply and follow the necessary steps.
Consumer complaint received 2021-05-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (MA)

Between XX/XX/XXXX and XX/XX/XXXX Key Bank branch located in XXXX MA allowed the abuse of a temporary POA post XXXX suffered in XX/XX/XXXX by my son. They allowed multiple savings, checking accounts and cd 's in excess of {$480000.00} to be manipulated, withdrawn and removed my name completely from all the above. This happened within only 2 months post a business relationship I had with this institution over 40 years. Even after myself and my other children went to the branch with court signed legal documents showing them that anything my son had me sign as I continued to recover had been revoked by my attorney they still allowed me no access or even tracking of where my money went. Multiple times myself, my attorney and other children went into this bank and were turned away without explanation. Since this happened my life has been in crisis mode.