davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-13
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. (NC)

I have contacted Transunion several times because i noticed they continue to report XXXX accounts on my credit file that does not belong to me, When i call Transunion to dispute i'm either left on hold, transferred, redirected and had to repeatedly call back hopefully to reach someone at Transunion. 

My call is continued left bouncing around for hours. Finally after many attempts, i was told by a Representative at Transunion that XXXX accounts can not be disputed though Transunion and is not Transunion 's policy to investigate fraud on a report. 

I told the representative at Transunion i did not sign or agree to any contract with XXXX, I did not Provide XXXX with my social security number, the address with XXXX does not match mine, the name does not match, i did not provide XXXX with my ID or phone number or wet ink signature. I did not agree to pay any debt or repayment loan with this with XXXX or any company they represent.
Consumer complaint received 2021-06-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (CA)

I applied for a HELOC with US Bank and they approved me but required that my previous HELOC with XXXX XXXX be paid off as well as an XXXX card. 

They indicated that those accounts would be paid off through the new loan and included a disbursement sheet which listed check numbers and amounts to those to companies mentioned above. 

The loan closes and the accounts are never paid off. I had to use my HELOC funds thinking I received the remainder of the loan amount. Now i have all three of those accounts which need to be paid still which I can not do because I should have never qualified for this loan while keeping those other accounts open. Now I have 3 mortgages on my property.
Consumer complaint received 2018-10-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NY)

XXXX XXXX has left multiple messages at my home for my former sister in law. This morning they started calling before XXXX XXXX  and we explained that we have no contact information for her and havent heard from her in years and to please stop calling our number. They said they would update their records. They then called back 4 more times before I took my phone off the hook. But I have an elderly mother that night need me so I cant keep it off all day. It is my day off and I wanted some peace. When I spoke with them the 3rd time they called they said Ill probably get more calls because it takes time to update their records.
Consumer complaint received 2018-10-13
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. (IN)

I have had to exercise my option to defer ( extend ) payments to the end of my loan, in the summer of XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX has reported both the XX/XX/XXXX and XX/XX/XXXX payments as over 30 days on my credit, both with XXXX and Trans Union. I contacted XXXX XXXX in XX/XX/XXXX to dispute the most recent reported late payment. After looking at the situation, they told me the deferment ( extension ) was processed after the payment was 30 days late. I reminded them that I had submitted the proper documentation and the payment to process in time. I called to follow up the next day, after submitting both the paperwork and the payment to ensure everything had been received. Their system was down that day ( Saturday ) and they could not tell me anything until the following week. I was assured it would be effective dated for the receipt date. The person in XX/XX/XXXX told me to file a dispute with the Credit Bureaus. I did that XX/XX/XXXX. The reporting for the XX/XX/XXXX was removed upon the resolution of that dispute. The next month, XX/XX/XXXX was reported again as late. I called XXXX XXXX on XX/XX/XXXX to, again, go through the long process of explaining everything to hear the same responses. Finally, a supervisor assured me she was going to review it with the credit reporting team and get back to me the following week. Last Saturday, XX/XX/XXXX, I finally had time to call to follow up, after getting absolutely no response in over a month. I had to, once again, explain everything to be told the same responses, along with another supervisor telling me what " I '' would have to do to correct it. I explained in very clear terms, my next action was to file a complaint through CFPB. I asked him the time frame he needed to get a response from the credit reporting team. He said Wednesday, which was XX/XX/XXXX. I have not heard or seen any response. I purposely waited another couple days, in case something came up, preventing a timely response. 

I, now, would like to have both XX/XX/XXXX and XX/XX/XXXX removed from my credit report as late payments, since both payments were placed at the end of my loan, causing me to pay additional interest on the loan, and delaying my payoff date. I have spent hours trying to get this corrected. I have been denied a personal loan, because of these reporting issues. That personal loan would have allowed me to pay off the last of the negative issues on my credit, therefore raising my credit score to the point I could effectively trade in the car and have XXXX XXXX paid off. I feel I have been more than patient and fair minded in my attempts, while being met with resistance, red tape and absolutely no follow up by XXXX XXXX.
Consumer complaint received 2021-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CT)

Equifax and XXXX  both have a judgment on me on file which was discharged in XXXX-XXXX and refused to remove it from my credit report. XXXX refuses to re-investigate it AT ALL. It is up to these bureaus to make sure they maintain the most accurate information as these items affect peoples lives, even if it means contacting the bankruptcy court directly. XXXX  already did their own investigation this year and the negative bankruptcy was removed from my credit report. It has been 10 years. I want this off my credit report.
Consumer complaint received 2024-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

Hi, this mortgage was signed with a balance of {$730000.00} and transferred from XXXX XXXX XXXX XXXX XXXX to XXXX XXXX after the first payment was made with a balance of XXXX. Then, I made the second payment in the amount of {$6100.00}, plus {$5000.00} going to the principal. Then, I made an extra payment of {$5000.00} going to the principal. At that time, they did not apply this payment as it was supposed to be. Instead, they held it as unapplied and sent me a statement showing a principal in the amount of $ XXXXThen, after I contacted them asking to apply the payment to the principal as the payment was made, the customer service representative said that it was sent to be reviewed, but came back without the right results, but with a non-understood changes that asked me to make the next payment in XXXX, skipping XXXX and XXXX, which called my attention and push me to make several calls without a fair correction. 
For XXXX 's payment, I sent a payment of {$11000.00}, that includes XXXX 's payment and {$5000.00} to the principal. Then I received the XXXX statement that shows a principal balance of {$720000.00} with {$5000.00} applied to XXXX payment. This action is forcing me to pay inters of {$5000.00} dollars in the last XXXX months and according to the payment breakdown that was provided by the original lender at the closing table, after these XXXX payments, my balance is supposed to be around {$720000.00}. I can't tell the exact amount. 
As you can see, they are applying payments the way they want to, and this resulted in a fraud against me to charge interest while they hold my money. 
They have the call record that was done are around XXXX, and every single call, I had consented to be recorded. 

I had to take this action because I'm tired of contacting them without results. 

Thank you.
Consumer complaint received 2022-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

Today I used my citi double cash mastercard at XXXXXXXX gas station. The terminal offered to use XXXX points to save {$0.00} per gallon. I did the math wrong in my head, and opted in. I only saved {$7.00} since I got 14 gallons of gas. But the cash redemption value is {$12.00} at XXXX XXXX  per point. This will never be a good deal XXXX XXXX  stole {$5.00} from me. I called citi to complain but they said they cant undo it.
Consumer complaint received 2018-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Back in XX/XX/XXXX, I applied for a Capital One Platinum credit card and was approved with a {$300.00} credit limit. Due to financial difficulties at the time, I was unable to keep up with payments and the account was closed & sent to collections. In the fall of XX/XX/XXXX, I paid the account in full to the collection agency that had my account and I reached out to Capital One to remove the account from my credit report. They refused and this has been going on for over a year when I asked Capital One to remove the account from my credit report & they refused.
Consumer complaint received 2018-10-09
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. (NY)

STARTED DISPUTING BACK IN XX/XX/XXXX ON XXXX XXXX.. AGAIN FILED A DISPUTE WITH TRANSUNION ON XX/XX/XXXX AND SENT MY BANKRUPTCY INFORMATION TO THEM AND THEY RECIEVED ON XX/XX/XXXX ... I WAS DISPUTING CREDITORS XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX ( ALSO KNOWN AS XXXX XXXX XXXX XXXX ) # XXXX, AND FINALLY XXXX XXXX XXXX XXXX # XXXX ... THESE CREDITORS WERE FILED IN MY BANKRUPTCY ON XX/XX/XXXX.. THE COURT GRANTED ME A HARDSHIP DISCHARGE ON XX/XX/XXXX WHICH I WENT TO COURT REPRESENTING MYSELF EXPLAINING MY HARDSHIP AND THE COURT GRANTED ME THIS HARDSHIP DISCHARGE.. TRANSUNION HAS NOT CORRECTED THIS INFORMATION ON MY CREDIT REPORT.. XX/XX/XXXXALSO WAS SENT MY BANKRUPTCY DOCUMENTS AND HAVE CORRECTED THIS ON MY CREDIT REPORT.. TRANSUNION IS BEING VERY UNFAIR AND I SULLIED THEM WITH MY BANKRUPTCY DOCUMENTS.. PLEASE HELP ME.. THANK YOU XXXX XXXX XXXX
Consumer complaint received 2021-01-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

I had a Checking and Savings Account with Citibank Texas and at the beginning of XXXX they decided to close my account for reasons that remain unclear. Since that time I have called Citibank over 200 times requesting that they send me my {$26000.00} that was in my account. Each time I call Citibank, the customer service give a wide range of different and conflicting responses such as check was mailed out to you already or that it will be there in 3 business days. It is clear to me that for whatever reason Citibank does not want to release my funds. Therefore, I have no option but to expose them for their bad business practices.
Consumer complaint received 2018-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CT)

Navient Account # XXXX has 7 loan numbers loan numbers on which I have been making payments for ~2 years. The balances are now HIGHER than they were when I started. Navient can not explain this other than to provide me their formula which apparently would have me paying them forever.
Consumer complaint received 2018-10-13
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (FL)

As per previous filed complaint XXXX they are reporting delinquency in past and adding comments again even though they said they would not any more. I have made all agreed payments and am now only owing this months payment yet. Again I have paid all payments as agreed and they are reporting incorrectly again ...
Consumer complaint received 2020-11-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kansas Counselors, Inc. (MO)

XXXX XXXX {$850.00}, I sent numerous dispute and letters of resolutions that this is not a accurate debt and not mine. They illegal billed my wife insurance and then removed the debt back to me.
Consumer complaint received 2018-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (IN)

I have had to exercise my option to defer ( extend ) payments to the end of my loan, in the summer of XXXX and XXXX. GM Financial has reported both the XX/XX/XXXX and XX/XX/XXXX payments as over 30 days on my credit, both with XXXX  and XXXX XXXX. I contacted GM Financial in XX/XX/XXXX to dispute the most recent reported late payment. After looking at the situation, they told me the deferment ( extension ) was processed after the payment was 30 days late. I reminded them that I had submitted the proper documentation and the payment to process in time. I called to follow up the next day, after submitting both the paperwork and the payment to ensure everything had been received. Their system was down that day ( Saturday ) and they could not tell me anything until the following week. I was assured it would be effective dated for the receipt date. The person in XXXX told me to file a dispute with the Credit Bureaus. I did that XX/XX/XXXX. The reporting for the XX/XX/XXXX was removed upon the resolution of that dispute. The next month, XX/XX/XXXX was reported again as late. I called GM Financial on XX/XX/XXXX to, again, go through the long process of explaining everything to hear the same responses. Finally, a supervisor assured me she was going to review it with the credit reporting team and get back to me the following week. Last Saturday, XX/XX/XXXX, I finally had time to call to follow up, after getting absolutely no response in over a month. I had to, once again, explain everything to be told the same responses, along with another supervisor telling me what " I '' would have to do to correct it. I explained in very clear terms, my next action was to file a complaint through CFPB. I asked him the time frame he needed to get a response from the credit reporting team. He said Wednesday, which was XX/XX/XXXX. I have not heard or seen any response. I purposely waited another couple days, in case something came up, preventing a timely response. 

I, now, would like to have both XX/XX/XXXX and XX/XX/XXXX removed from my credit report as late payments, since both payments were placed at the end of my loan, causing me to pay additional interest on the loan, and delaying my payoff date. I have spent hours trying to get this corrected. I have been denied a personal loan, because of these reporting issues. That personal loan would have allowed me to pay off the last of the negative issues on my credit, therefore raising my credit score to the point I could effectively trade in the car and have GM Financial paid off. I feel I have been more than patient and fair minded in my attempts, while being met with resistance, red tape and absolutely no follow up by GM Financial.
Consumer complaint received 2021-06-23
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. (PA)

We purchased a XXXX XXXX XXXX XXXX ( hair dryer ) from a company named XXXX on XX/XX/21 for {$410.00}. The product was paid for via XXXX using our Citi XXXX ( MasterCard ) credit card. After not receiving the product for a few weeks, we tried contacting XXXX to cancel the order. While still unable to contact them, we opened a dispute with Citi on XX/XX/21. Citi issued a temporary credit for the full amount while investigating the issue. While the dispute was still open, we were able to get in contact with XXXX ( via XXXX ) on XX/XX/21 who informed us that the product had been returned to them, at which point they subsequently shipped it back out to us. At that point, they told us to wait for the product to be delivered, return it ( at their expense ) and they would offer a full refund. At the same time, Citi was also able to contact XXXX and offered the same information / guidance. I had been given a ( new ) tracking number via XXXX XXXX and could see that the item was in transit so I was satisfied with the resolution and Citi reversed the temporary credit. Unfortunately, the product never arrived with only a few tracking updates via XXXX and has been held up in customs ( XXXX XXXX ). It also appears that XXXX has gone out of business as I have had no success contacting them. Upon contacting Citi, they have told me that the dispute is closed and there is nothing further they can do other than offer a complementary credit for a lesser amount, which I have not taken. Upon asking to speak with a Citi supervisor, they informed me that that their dispute department should NOT have had the original dispute closed until the issue was fully resolved, but that since it was, he reiterated that there is simply nothing they can do.
Consumer complaint received 2021-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NM)

Hi there! I opened a Citi XXXX checking and a saving account with Citibank on XX/XX/XXXX to take advantage of an offer where if you deposited {$50000.00} you received a {$700.00} bonus. The process to open the account and fund the account was extremely difficult and the customer services was less than ideal. I also had to go through an extra process to validate my home address which was complicated by the fact I was moving. 

The process to validate my account took Citibank such a long time that by the time I funded my account with {$60000.00} on XX/XX/XXXX, I was deemed ineligible for the {$700.00} bonus. 

Because of the unhelpful customer service and ineligibility for the cash bonus, I wanted to withdraw my {$60000.00} from Citibank and close my accounts. I was told that I could only withdraw {$15000.00} per month to an external account. Given that would take 4 months to withdraw all my funds, I was told the only way to get my money back was via wire transfer. On XX/XX/XXXX, I made a request for a {$50000.00} wire transfer to my main checking account with another institution ( the maximum allowed ) and then a regular external transfer of {$10000.00} for the remaining balance. 

Two hours later, I got a call from Citibank stating that my actions were fraudulent. The representative accused me of not being the account holder, and hung up on me. My account is now locked and now I do not have access to the {$60000.00} in my Citi XXXX checking and savings accounts. I tried calling Citibank back on XX/XX/XXXX and after over an hour on hold on the phone, they were unable to assist me in transferring my money back to me.
Consumer complaint received 2024-11-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (IL)

On XX/XX/year>. Shellpoint mortgage credit payments to my mortgage in error {$330.00}, {$120.00} and {$50.00}. I confirmed with servicing that I did not make payments on XX/XX/year>. Shellpoint reversed payments of {$330.00}, {$150.00}, {$50.00} and additionally reversed {$330.00} and {$100.00}. I contacted Shellpoint on several occasions to inform them that they took additional amounts of {$330.00} and {$100.00} on XX/XX/year>. I requested to have the payments reallocate back to my principal balance. Shellpoint has not provided me any written response and automatic system states that investigation has been completed. This has been going on for 2 months now. I am unable to receive results.
Consumer complaint received 2022-06-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



XXXX Name : XXXX, XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX, AZ XXXX EMPLOYER : RETIRED XXXX XXXX XXXX  RETIRED XX/XX/XXXX BANNER XXXX XXXX XX/XX/XXXX Inquiries XXXX  XX/XX/XXXX Collections : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX EMPLOYER : XXXX XXXX XX/XX/XXXX RETIRED XX/XX/XXXX XXXX  XXXX RETIRED Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Colections : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Equifax NAME XXXX XXXX A XXXX EMPLOYER XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX