davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-24
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: OPORTUN FINANCIAL CORPORATION (KS)

I received a text from XXXXOportun that my loan was ready ( I didn't apply for a loan ). Shortly after my employer sent an email informing employees there was a data breach had occured in the company and XXXX Oportun was sending employees notice of loans. On XX/XX/22 I called Oportun and made a fraud claim against a loan they created in my name Loan # XXXX. The caller advised me that there was a loan but, no funds had been disbursed. Oportun said they would send the claim to their fraud department. I called again XX/XX/22 and Oportun had no record of my initial call. I requested Oportun badge numbers they had none, Loan number, and the amount on loan. Oportun said they disbursed {$8000.00} to a XXXX prepaid card after telling me on XXXX that no funds had been disbursed. I ask to speak to a Manager or the fraud department and the call takers state that they WILL NOT transfer me to a manager or the fraud department ( because they don't exist ). Oportun issued me a fraud ticket number of XXXX. Update : XX/XX/22 I have called Oportun back multiple times, each call-taker has no record of my fraud ticket based on the REQ number they gave me. Oportun asks for 1 more piece of my personal information with each call. ITS FRAUD and I am not dealing with Oportun 's fraud call center.
Consumer complaint received 2022-08-23
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX  ( XXXX ) Violated my rights for years, i didnt give any consent to anyone, never received validation request, severly inaccurate that by law must be removed.. 
Account ( XXXX ) soc sec administration.. 
Is also in violations of never giving me validation, on saying " verified '' wrongfull Investigation.
Consumer complaint received 2022-08-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

Last year in XXXX I submitted and was approved for a school tax exemption for this tax year to be paid in XX/XX/2022. This exemption accounts for roughly 67 % of my total taxes. I promptly sent the approval notification from the County Tax Commissioner to the company servicing my loan. In XXXX, several months after receiving the exemption, the company completed an escrow analysis and failed to reflect the exemption. The result indicated a shortage instead of what was, in fact, a surplus. I called the company and they said that they could not recognize the exemption without and actual tax bill despite the fact that escrow projections are frequently done without actual tax bills for loans on new construction. Actual tax bills were issued last week so I called the company and was told now that the bill must be paid before they can consider it for escrow. The story changes every time I speak to them, and this runaround needs to stop.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

This was not sent in error I XXXX XXXX am a consumer by law and there is inaccurate information on XXXX XXXX credit report. Its been over 45 days and XXXX XXXX has yet to respond to previous dispute regarding late payment transactions. It's a billing error I've always paid as agreed. Secondly, there is no such thing as a late payment.
Consumer complaint received 2022-08-23
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-04-23
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. (NV)

The following account XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX ) ( Account Type : Security Credit Card ) is being reported as late as of XX/XX/XXXX. I have never been late on this account and have had this account since XX/XX/XXXX. Update this account to current Never late as paid on time. 15 U.S. Code 1666b ( a )
Consumer complaint received 2022-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (NY)

This company is trying to collect a debt not mine and is just brushing of the fact that I had no oppertunity to validate debt .. they have not shown me my prof that makes the debt legally mine plus the debt is beyond the statue of limitations
Consumer complaint received 2022-08-23
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-04-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

In XXXX I got a letter from Caliber Home Loans ( my mortgage company ) stating that due to an escrow shortage, insurance and tax increases my mortgage payment was to go up by a little more than XXXX $ monthly. I made a payment in the amount of XXXX $ to cover the negative in order to keep my mortgage the same. This payment, instead of being applied to the escrow was applied to the principal balance and my mortgage the next month was still increased. 
When Calibers mistake was noticed I immediately started making calls and after weeks of back and forth the XXXX was finally applied where it was supposed to be. 
The next month I noticed that my auto pay did not come out of my bank account and when I called Caliber they said I was no longer eligible to be enrolled in auto pay but couldnt tell me why. They also said that I was not eligible to make online payments and that though nothing had changed with my mortgage they couldnt tell me why. 
After many calls and having to wait over an hour in some cases to talk to a representative I was finally told that my loan is in loss mitigation and with underwriting for an unknown reason. 
I was in a Covid forbearance and modification was completed in XX/XX/2021, but everything had been fine since and I havent missed a mortgage payment outside of the forbearance. 
I logged into my online account last week and saw a message that said my most recent payment was past due. I checked my bank account to make sure it was paid, and it was. I called Caliber to find out what was going on and they told me that they were able to see the payment was made 10 days prior and there are notes in the account about that payment but for some reason its not posted as being paid, but could not tell me why. 
Today I received a letter in the mail stating that the payment was past due and that a late fee would be assessed and a missed payment would be reported to the credit bureaus if the payment I already made wasnt paid. 
I keep getting the run around from Caliber and this needs to be corrected. Im not able to get results on my own and hope CFPB can assist in getting this resolved.
Consumer complaint received 2022-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY (NY)

I went into the TD Bank Branch on XXXX XXXX XXXX, XXXX, NY XXXX, on Sunday, XX/XX/2022. I went in with 3 checks and {$1500.00} cash, Two checks were for my daughter 's account that is connected to mine and the other check was a personal check from my boss. There were two tellers working that day ( Since i did not get there names i will describe them : One was XXXX XXXXXXXX Women and the other was a XXXX XXXX XXXX Male. My teller was the male. I handed him everything and told him my daughter 's checks needed to be deposited into her account or TD will place a hold on it. I instructed him to put my work check in my primary checking account as well as the {$1500.00}. 

I Usually deposit my checks mobile deposit because I like to keep them for my records. I asked him for the checks back and he looked caught off guard and said " I can't give them back to you '' in a strange tone. I then said " OK well can you give me a copy i need them for my records '' He goes to make the copies and he takes such a long time. He keeps waling back and forth to different rooms. By that time my cab was outside so I just took the paper without looking at it. When i got home i noticed it didn't say my work check was pending. I thought it was strange but I just thought i had to wait since it was a Sunday. By the time my daughters checks came through a few days later. i realized something was wrong and i called the bank. I also checked the copy he gave me and it was only for the checks for my duaghters. 

I spoke with a women named XXXX who i assumed was the manager and she told me she did not want to request for video footage of our encounter before she spoke to him when he came to work the next day ( Wednesday ). She says that she will call me back Thursday. Thursday comes, no call. She calls Friday and says she's looked all over and can't find the check and that the teller said he doesn't remember. I then ask her what is she going to do to investigate a teller stealing. She says " Would it be possible for me to just ask my job for a new check. '' At this point I am upset and I tell her i would like to go above her she tells me i can call the manager and gave me a phone number,. which nobody answered. 

I have called TD Bank several times to mediate this and I was promised a regional manager would call me back. I have received no response. 

Check Amounts : My daughter checks were for {$560.00} & {$23.00} plus some cents. 
Missing Check : {$560.00}.
Consumer complaint received 2022-08-03
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)

NOTICE TO PRINCIPLE IS NOTICE TO AGENT, NOTICE TO AGENT IS NOTICE TO PRINCIPLE! 
I, XXXX XXXX, federally protected Consumer am aware of Experian Information Solutions Inc unlawful business practices act. 
Upon receipt of DEMAND NOTICE ( Experian ) shall be fined {$1000.00} ( PER DAY ) pursuant to 15 U.S. Code 1681o ( a ) ( 1 ) with PREJUDICE!!
Consumer complaint received 2022-04-24
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: ENCORE CAPITAL GROUP INC. (NV)

on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored by my disputes. Section 611 ( a ). it is plainly stated that a failure to investigating these items within 30 days give a reason to immediately remove those items from my credit report. it has been over 60 days so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to stress you caused me. My information was also impacted by the XXXX data breach and may gotten into the hands of the wrong person
Consumer complaint received 2022-08-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The accounts listed on my credit report were open fraudulently. I did not open nor did I authorize anyone to open these accounts. Attached is the letter I sent and the supporting documentation that should have resolved this issue. As of today, the credit reporting agency has failed to comply with FCRA and has damaged my credit reputation.
Consumer complaint received 2023-05-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CITIBANK, N.A. (DC)

CITI offers a flex loan product at competitive rates however it lumps it together with your balance on a standard purchase rates. This makes it impossible to direct payments towards your higher rate balance instead of the flex loan. Since opening my flex loans, I made several payments trying to pay my credit card balance with standard purchase balance. I just recently realized that instead the money went mostly towards my flex loan balances. 

Please notice that this is the information that they put in their statements : We apply any amount you pay above your Minimum Payment Due first to the balance with the highest APR, then to the balance with the next highest APR, and so on. As a result, if the APR for a Citi Flex Plan balance is higher than the APR of other balances on your Account, we will apply the amount above the Minimum Payment Due first to that Citi Flex Plan balance, and then, after that Citi Flex Plan balance has been paid in full, to the other balances. This will cause you to pay off that Citi Flex Plan balance before the end of its repayment period and may result in an amount remaining due on your next billing statement for the other balance, increasing your Adjusted New Balance on your next billing statement. 

However, when contacting CITI, the reason they gave me was that because my standard purchase balance was still unbilled when the payment was made, it covered the flex loan instead. 

A more transparent way to do this would be to separate the balances into different accounts so the consumer can direct their payment towards the desire account. 

I feel ripped off.
Consumer complaint received 2022-08-23
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-04-24
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. (TX)

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. 

XXXX Account # XXXX has violated my rights. 
-XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
-XXXX  XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX, XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX, XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
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 2022-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (IL)

This is a new card for me. On XX/XX/XXXX, I accidentally paid my entire balance twice, a transfer from my bank. I called immediately and was told no problem, it would be reversed in 3 days. The payment in error was {$9600.00}. On the XXXX I called again as it was not reversed. I was first cut off, then told " sometimes people say the wrong things, you understand? '' and then told it would be 10-15 days before they would credit my account for the double payment. I called back to complain and close my card. Today I received an email saying it would be 90 days. They have lied to me 3 times. I double paid my bill by accident and now they are saying 90 days to credit back over {$9000.00}.