davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (DE)

in XXXX I filed for chapter XXXX because of a potential foreclosure. For 5 years we paid BSI directly for our mortgage payment. The trustee paid the company the money owed for what we were behind. In XX/XX/XXXX we successfully completed bankruptcy and creditors were paid. BSI signed off that we were now caught up and no money was owed. Then approximately a month later we received notice that the mortgage was going to increase an additional XXXX for a year due to a shortage in escrow. BSI was immediately contacted because for one they signed off no money was owed. We were current on monthly mortgage and the trustee paid arrears. BSI first stated they miscalculated amount owed for tax and insurance. This isn't true because our attorney said that our payment to the trustee needs to increase monthly to assure that all arrears were paid. We went from XXXX plus to XXXX plus in payments to trustee, this was for approximately 5 years. Since we paid the monthly mortgage payment directly to the lender the taxes and insurance were paid. The trustee was also paying BSI. There was no way that there could have been a shortage, plus they signed off that we met all requirements and nothing was owed. With the additional monthly amount of XXXX and what is currently going to escrow BSI is taking XXXX a year. When our yearly escrow is XXXX, the difference of XXXX that is being paid to BSI. On XX/XX/XXXX BSI was contacted again to see how much longer the additional payments were owed and to once again see why. The individual I spoke to was " XXXX '', he could not explain why additional money was being taken, nor could he see any arrears, and we are definitely paying too much. He acknowledged we are paying XXXX a month for escrow which is a yearly amount of XXXX. The escrow is XXXX a year, therefore there is a XXXX over charge. No one can give us any answers they just keep taking the money. With the way the economy is, it's difficult to pay extra money when i don't have too. I hope someone can help us.
Consumer complaint received 2022-04-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I FILED A DISPUTE IN REGARDS TO INCORRECT ITEMS ON MY CREDIT REPORT IT HAS BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEIVED ANY INVESTIGATION REPORT. 

1.Delete the following account for Inaccuracy. Because date last active is Inconsistent on my credit report. 
XXXX XXXXPlease remove it from my credit report. 
2.the following account is not mine. 
XXXX XXXX ( original creditor : XXXX XXXX  ) Please remove it my credit report. 

3. The following account is inaccurate Delete from my credit report. 
XXXX XXXX ( original creditor : XXXX XXXX XXXX of ) Please remove it from my credit report. 

4..Delete the following account for Inaccuracy. Because date last active is Inconsistent on my credit report. XXXX : Please Delete it from my credit report 5.The following account is inaccurate : XXXX Please Delete it from my credit. 

6.The following account is inaccurate : XXXX XXXX Account number : Please Delete it from my account. 

7.The following account is inaccurate : XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Please Delete it from my credit report. 

8.The following account is inaccurate : XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Please Delete from my credit report. 

9.The following account is not mine : XXXX XXXX  : Please delete from my credit report. 

10.The following account is inaccurate : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Please delete from my credit report.
Consumer complaint received 2020-08-25
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. (OH)

Equifax should not be reporting that I am ( 120 ) days late on the XXXX partial account number XXXX and XXXX. ( Please see pages attached from my credit report along with a copy of my Drivers License and SSN card for identification purposes to continue the investigation of this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-07-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (SD)

I got a text at XXXX on Sunday XX/XX/XXXX, as stated, " Freemsgs : US Bank Fraud : Did you attempt XXXX transaction? Reply XXXX or XXXX for a representative to reach out. Case # XXXX To Opt Out Reply Stop. '' I then got a call from US Bank ( caller ID verified ) at XXXX which lasted XXXX mins and XXXX secs. They told me they were the fraud department and seen charges on my account that looked suspicious. They said they were helping me correct it. While on the call they sent me another text at XXXX stating the following, " Your Verification Code - US Bank Cancelation with XXXX Your Reference Verification Code is : XXXX Please use this code to verify the Mobile Phone Number added to your US Bank QuickPay with XXXX profile. 
Dont share any codes during this cancellation with anyone. You can only use the code for this specific Mobile Phone Number. '' The call was disconnected shortly after that. I called US Bank ( I dialed the same number that called me the first time ), this is where they informed me I was a victim of fraud.They took {$3500.00} in total from my checking account ( XXXX transactions of {$1000.00}, and a 3rd transaction of {$1500.00} ). A representative with US Bank 's fraud department informed me that because it was through XXXX  it had to be authorized, so it is not covered/insured through US Bank XXXX These transactions were NOT authorized. We informed US Bank immediately and they refuse to help or reimburse the funds due to the fraud! I am in need of additional help with investigating these fraudulent transactions because I desperately need to get my money back. My family and I greatly appreciate any help! 

Transactions total : {$3500.00} Transaction Date : XX/XX/XXXX Bank Name : US Bank Bank Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : United States of America Bank State : XXXX XXXX XXXX Zip Code : XXXX Name on Account : XXXX XXXX ( joint account with my wife ) Account Number : XXXX Local Police report information below : XXXX XXXX, XXXX, XXXX, XXXX XXXX Police Department, report # XXXX, date reported XX/XX/XXXX.
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CT)

On XX/XX/2020 I was in my XXXX XXXX app and i saw a credit card advertisement from citibank for their double cash credit card. The offer states that there is 0 % APR for 18 months. I applied for the card and was approved. I received the disclosure in the mail 2 weeks after. The disclosure states that the 0 % APR only applies to balance transfers and that the regular APR for purchases is 23.99 %. This was not what was advertised to me and the sole reason i applied for the card was the 0 %. i called the institution on the day i received this and was told that there is nothing they can do as I should have read the " fine print ''.
Consumer complaint received 2020-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NH)

On XX/XX/2020, TD Bank withdrew {$1100.00} from my checking account ending in XXXX. The amount was withdrawn due to a TD Bank error from their billpay system. TD Bank on its own issued a check to a vendor which I did not request and took the money from my account. 

When I called TD Bank, TD Bank stated that it would take 3-5 business days to review and their was no guarantee that I would have the funds returned to my account.
Consumer complaint received 2023-06-27
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. (FL)

It was a bank error which occurred, and I have always been on time with no issues. Fraudulent activity occurred on my credit card with XXXX and I followed protocol and reported it stolen and lost to bank. However, the representative did not document correctly and immediately close the account which no longer exist. When I went to branch, they were aware of issue. My payment went to a different account versus the account title under my name. 


XXXX ( XXXX XXXX ) Account # XXXX Account Rating XXXX Type : REVOLVING Loan Type : CREDIT CARD Responsibility : I Remarks : CLOSED BY CREDIT XXXX Credit Limit : {$2500.00} High Credit : {$2500.00} Terms : Balance : {$0.00} Past Due : {$0.00} Last Payment : Charge Off : Opened : XX/XX/XXXX Paid : XX/XX/XXXX Closed : XX/XX/XXXX Verified : XX/XX/XXXX Update Method : AUTOMATED Late Payments XXXX XXXX XXXX ( 48 Months ) XXXX XXXX XXXX Delinquency Maximum : XX/XX/XXXX ( XXXX ) Amount : Date : XX/XX/XXXX Payment Pattern Months XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Hello, please view the attached files. 

I took the time out to reach out to the listed company and they prompt me to reach out to you guys regarding the inaccuracy report of the account listed on my credit report.
Consumer complaint received 2020-12-11
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. (CA)

To Whom It May Concern I was a customer of yours for 7 years never once 30 days late. During the onset of the pandemic I had an active dispute on file for which your team advised they were not attempting to even collect the minute balance of {$230.00} while under dispute.

Despite such I then started to received excessive calls with regards to simple {$27.00} payment. I advised of the circumstance and that I was more concerned with the pending uncertainty as it pertained to covid 19 and that this account was already under dispute. 

I was advised that the months of XXXX and XXXX were reset to zero with no payment due and my next monthly billing would resume accordingly if dispute not resolved in XXXX. I ended up paying the account in full at the end of XX/XX/2020. 

This account continue to report adversely and inaccurately representing XXXX initially. I contacted your office was advised that never happened until I sent proof then it got fixed. Problem is I lost thousands in credit because of this with not so much as an apology let alone a resolution. Additionally I know what I was advised and my 7 years of never having been 30 days late clearly illustrates this is not an accurate depiction of my payment behavior as a consumer. 

I was not late and was advised these were covered I also paid in full. 

Please adjust the reporting of these or remove the account completely from my credit profile. It is my sincere hope despite all this has already cost me that we can move forward with a swift and amicable resolution.
Consumer complaint received 2022-07-17
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: EQUIFAX, INC. (AL)

In accordance with the fair credit reporter act XXXX  XXXX XXXX  and XXXX XXXX has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 604 a section 2 a consumer reporting agency can not furnish your account without my written instructions
Consumer complaint received 2022-08-10
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. (NY)

XXXX XXXX XXXX XXXX XXXX, TX XXXX I just got my report and I think it is wrong! I was told I have the right to have an investigation done. The XXXX XXXX Account depicts an old account as a charge off. I paid the account opened in XXXX off completely. I opened a new account in XXXX and XXXX XXXX reported I opened it in XXXX and charged off the new account. The account on my credit report is false. The Credit bureaus laws report that the bureaus report 100 % accurate credit history. Every step must be taken to assure that the information reported is completely accurate. The following information therefore needs to be reinvestigated. Please make sure everything pertaining to my credit report is correct. 

Please provide me with the following items : 1. Pay Off Disclosure 2. Interest Disclosure 3. Balance History 4. Payment History 5. Credit Insurance Validate Account XXXX XXXX XXXX Closed ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION. 
( A ) IN GENERAL.If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-11-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NJ)

Contacted bank XX/XX/XXXX to open a new Chase bank account and was told Chase no longer wants to do business with me and I can not open up an account with them. I asked as to why I can't open up a bank account and they couldn't disclose the information. They closed out my bank account in XXXX. As someone who is XXXX our belief of doing anything that is fraud is a very bad sin. I've never done any fraud what soever in my life and during the time I had a Chase bank account so when my bank account was randomly closed I was very confused as to if this was done because of my religious background.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Over the past few months, I've been having a lot of fraudulent activity going on with my credit reports for all three credit bureaus. I would have numerous amounts of inquires pop up on my account that I never gave authorization for. This activity started from XX/XX/XXXX up until XX/XX/XXXX. I've called all of these companies numerous amounts of times to investigate and get them to remove the accounts, but they tell me to dispute it with my credit bureaus. I've also gone back and forth with all XXXX credit burues, sending multiple letters and got no where.
Consumer complaint received 2019-10-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

the problem was XXXX XXXX XXXX sold my account to Carrington mortgage services.llc the deal that went down is what I can't understand, after Carrington services.llc brought the mortgage -they analyze my mortgage and found that some how I owe XXXX, coming from XXXX XXXX XXXX not paying for my ins . on my house, and I call XXXX XXXX XXXXXXXX and they said they made the last payment before they sold my account.so if XXXX XXXXXXXX XXXX did what they say did, who fault is that.they brought my account without analyzing the account they own that misstep.be mind as all this went down I was in bankruptcy. 


my transfer date was XXXX I want to know is their any for remedy for this misstep.i mean can Carrington make pay for they folly.
Consumer complaint received 2021-09-03
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: EQUIFAX, INC. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-07-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC (PA)

Called the Debt Collector Security Cred and explained I never received any notification from them they just appeared on my Credit Report. I also had them verify my information and discovered it was not me, the information did not match my home address. So I am disputing the Validity of the debt due to I have no knowledge of this account, and no notification of this debt giving me the opportunity to dispute.
Consumer complaint received 2019-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (CA)

I purchased AmEx Serve prepaid reloadable card and it was sent to me by mail in XX/XX/XXXX. They charged fees every time you reload this card. In XX/XX/XXXX I experienced problem with transaction and notified AmEx Serve. They responded but never provided Statement of disputed transaction Form. Further problems occurred why using this card. After merchant issued credits, refunds AmeEx Served would hold on to money and wouldn't cred it for 15-35 days on my account, obviously holding it up to accumulate interest. It happened at least 9 times, during which I wasn't able to have access to my own funds, wasn't able to pay bills, medical bill, or purchase food and I accumulate debts because AmEx Serve would hold hundreds of dollars not releasing them. I initiated another dispute in XX/XX/XXXX which was never resolved by AmEx Serve. The worst part was that trying to reach supervisor or someone who would explain why they are holding up my funds. There were times when I spent 2-3 hours on a phone. One day I documented speaking with XXXX who put me on hold for 18 minutes, then it was XXXX who transferred me to XXXX and after that XXXX. Was over 1 hour. They intentionally jerking you from one person to another and wouldn't release funds, while printing Statements showed that merchant issued refund and I reloaded card but funds would not be available! Another day I spoke to XXXX who put me on 26 minutes hold, connected with XXXX, then XXXX and then XXXX. This intentional financial abuse of Consumer who can't use its own funds! The same happened at the end of XXXX. 
I filed complaint with FTC # XXXX in XXXX which entered into their database. Total I spent over 9 hours on a phone, mostly holding a line dealing with these issues. It was similar situation in XXXX when merchant issued a refund of {$90.00} first week of XXXX and at the end of XXXX AmEx would still hold on to my money and not credited my account. That when I filed claim with FTC nor aware that they can't enforce AmEx to reimburse me money lost, but rather filing class action when they have significant amount of complaints. AmEx had astounding amount of class action Settlements against them for different violation of State and Federal law. I know, because I was class member, notified on at least 3 occasions. But in this particular situation I had lost {$390.00} because of these ongoing fraud by AmEx Serve not able to use my money, while they continued charging me all kind of fees. I want XXXX reimburse me {$390.00}
Consumer complaint received 2021-07-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

This concerns my Safe Deposit box. On XX/XX/XXXX I went to Citizens Bank to access my safe deposit box. I was told it was in either XXXX or XXXX. A year or so ago I received a letter stating that due to remodeling, the safe deposit boxes were going to be off-site. I believed this was temporary. I never dreamed it was permanent. I requested that it be sent back to the bank for me to access. I wrote to the CFPB the next day. Unfortunately I mailed it to an old address, so when it came back 10 days later ; I re-mailed it to you. I checked weekly to ask where it was, just to be told it may take two weeks or so. Just today ( XXXX XXXX ) I stopped in and they apologized, saying they had talked to someone but were awaiting an E-mail stating that it was sent but hadn't gotten one yet. One month. I then told them that when it comes in, my wife ( who is co-owner ) would stop in with the key. They said no key was needed, it would be sent in a secure bag. It was ONLY THEN that I realized that they had access to the contents without me being there! I actually though that they were going to send the box up to the bank for us to access. What is the point of a safe deposit box that is accessed by other than the key holder? Just wanted to send an update.
Consumer complaint received 2021-08-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (PA)

I reached out to Sallie Mae about my monthly payment this evening because I can not afford the current monthly payment of XXXX a month. The person I spoke with told me that I could extend the term of the loan and was give a monthly rate of XXXX that I told him I still could not afford in my current situation. I told him that I could more closely afford something around XXXX but no more than XXXX. I was told there was nothing that could be done other than forbearance. I said I didn't want to do that, that I am still trying to stay current on this loan so I don't fall behind and miss the payments. I asked if there was a different department or someone I could speak with that neither of those worked for me and was told there was no other department and that I could speak with their escalations department. I was transferred there and was told the same thing that I can either do that plan or I can do a forbearance. This agent also suggested that I could just pay what I can and when I fall behind on the loan that I can just talk to their in-house collections department to see what they can work out. I was given no alternative options and just told that they can do nothing until I stop making payments towards the loan.