davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Seterus, Inc. (NY)

purchased our home in  XXXX   XXXX  for  XXXX . We received a conventional mortgage with  XXXX  for  XXXX . In  XXXX  we were approved for a HELOC with  XXXX  for approximately  XXXX . In  XXXX  I became unemployed. I was out of work for 3 years. We reached out to   XXXX   many times to apply for assistance. With both loans we were unable to make the payments on our home. I remained unemployment for 3 years and our home went into foreclosures procedures. we did reach out to   XXXX   many times for help they were unable to assist us.   XXXX   sold our mortgage to Seterus inc in  XXXX   XXXX  we were taken to court and foreclosure procedures continued. In  XXXX  we filed for chapter  XXXX  bankruptcy. Our homes current value is  XXXX  and we currently owe  XXXX  for 45 years.   We need extensive repairs as well to help increase the value of the home. When we purchased the home in  XXXX  for  XXXX  this price was way above the value of the home. It was at the height of the housing bubble. We also should not have been given a HELOC. It over extended our income to over 45 % yet we were approved based on the false value of the home.
Consumer complaint received 2017-06-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

This agency has three collections listed which I do not owe, I have requested many times verification and received nothing with evidence of these. XXXX XXXX XXXX {$1200.00}, {$1200.00} and again {$1200.00} all three are listed on my personal credit file.
Consumer complaint received 2017-06-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: DriveTime (CA)

Drivetime is a scam . Car b roke d own for the 3rd ti me on  XXXX   XXXX ,  2017  currently in shop but they will not cover repair. They are at fault car was falsely evaluated.
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I have had this account since  XXXX   XXXX . I always  ( ALWAYS ) m ade on-line payments through my bank -  XXXX   XXXX  . USAA  always  ( ALWAYS )  accepted these payments until  XXXX   XXXX . In  XXXX   XXXX , they accepted the payments and then unbeknownst to me returned them to my  XXXX   XXXX  checking account. In  XXXX   XXXX , I realized the payments were being returned directly into my  XXXX   XXXX  checking account.  USAA  NEVER reached out to me. Now they have closed my account, and my credit has taken such a big hit I probably can not get a student loan for my daughter 's college tuition. I have complained to  USAA , yet no one really hears what I am saying. They simply think I am in the wrong without looking at the facts. In fact it feels like no one gave me the time of day. I sent them plenty of proof.
Consumer complaint received 2017-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

In 2013, I arranged with Comenity Bank/XXXX XXXX XXXX XXXX a payment for my account via telephone. This phone conversation was recorded, and I was even advised by the individual our conversation was recorded. I was told that by paying the full balance immediately to CB/XXXX XXXX XXXX, that the information would be deleted off my credit reports. I was explicitly clear in my question, that once I pay this item, it would be removed from my credit report. The employee responded that yes, the item will be deleted. I have tried numerous times since making this payment to obtain copies of this recording, and every single employee says they are confidential and can not be accessed. CB/XXXX has access to these tapes, yet the continue to say the debt was in fact charged off. I have a right to access proof of the agreement. CB/XXXX XXXX XXXX continues to report erroneously on this account, with some credit bureaus reporting Late - Charge Off and others Paid - Charge Off. This debt was never charged off, as I paid the company directly. It was a requirement in my background investigation for my employer to clear negative items from my report. While I showed my employer proof of payment via my bank statement, I never received a receipt from CB/XXXX XXXX XXXX for the payment. I respectfully request that the CFPB intervene, as it is clear CB/XXXX XXXX XXXX does not care about company procedures, customer privacy, and compliance with the Fair Credit Reporting Act. Furthermore, CB/XXXX XXXX XXXX has numerous addresses that have made it nearly impossible to keep track of investigation statuses, I 've only received notifications via third party monitoring.
Consumer complaint received 2017-06-13
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: EQUIFAX, INC. (CA)

The college I was attending abruptly closed and went out of business. The reason I was told they closed was because they were mishandling student loan monies from the students that were enrolled. They ended up filing for bankruptcy. I was enrolled in that college for 2 years and they kept every penny of the federal loans I applied for. I never had a chance to graduate or receive any type of diploma or certificate. I explained that I will not be responsible for a debt that I did n't mismanage. That was the school 's doing. They mishand led MY loa n money so therefore I will not be repaying back money they fraudulently stole. I applied for loan forgiveness because students from that school are/were eligible due to this whole situation. They denied me because they said I took an unexcused leave of absence which is not true. I also explained that if I were to receive the services with the outcome promised by them, I would have no problem paying the debt back but services were not rendered therefore my obligation to them is null and void. I have written and called these people on numerous occasions to remove this debt from my credit report. I have formally disputed the validity of this debt and they refuse to do anything. I want this debt erased from my credit report ASAP.
Consumer complaint received 2017-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (VA)

I have a Citigroup XXXX XXXX Credit Card since XXXX and requested that the credit limit be reduced to {$500.00} sometime in XXXX or XXXX. On two occasions Citigroup has increased my credit limit without my express consent. The first time it happened, I complained and Citigroup explained that they would not increase the credit limit without my requesting it ; however, they have done it a second time.
Consumer complaint received 2017-06-13
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: Experian Information Solutions Inc. (TX)

On multiple occasions, I 've been in contact with the credit bureaus about this particular account that is registered under my name. I 've tried disputing with  XXXX ,  XXXX , and Experian with no avail. I 've requested for  XXXX   XXXX  to send me a copy of the consumer contract with my signature on it as referenced in the Fair Credit Report Act Secti  on 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) for verification purposes because I do not recognize this account, and it does not belong to me.
Up to this point, I 've been waiting on the requested information and have been provided with nothing. Therefore, I am requesting for this particular account to be removed from my credit report according to my rights in Section 611 ( 5 ) ( A ).
Consumer complaint received 2017-06-12
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Unaware of the agreement I entered with this company finally realized my line of credit is scheduled to end by  XXXX   2018 . I received a letter from the company advising my options. I applied for a modification and was sent a letter in  XXXX  that I was not interested in any options. This was not true and was advised by a HUD certified counselor to send a letter explaining this to them. I was told by one of there reps to resend the financial packet and this was done on  XXXX   XXXX  via fax. I recieved a call by a rep from there office very nasty and threating that I was going to be foreclosed on if I do not send in the money and they did not receive any documents from my  counselor.   I have proof of this in my file. My health has taken a toll from all this. I am  XXXX  yrs old and I do not know what to do at this point.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint regarding incorrect late payment reports on my XXXX XXXX XXXX, issued by XXXX XXXX XXXX, for XX/XX/year> and XX/XX/year>. I have made several attempts to resolve this issue directly with XXXX XXXX customer service. Specifically, I have contacted their representatives on three separate occasions, explaining that these late payments are inaccurate and requesting that they correct the information on my credit report.

Each time, I was told that my case would be reviewed, and I would be contacted with a resolution. Unfortunately, I was never contacted, and the incorrect late payment remarks were added to my credit report. These remarks have negatively impacted my credit score.

Despite my attempts to resolve this issue directly with XXXX XXXX, no action has been taken to correct the inaccuracies.

I also attempted to dispute the inaccuracies directly with the credit bureaus, but each time I was told that the late payments were verified by XXXX XXXX, yet no documentation or evidence was ever provided to support this. To make matters worse, XXXX XXXX and XXXX XXXX were recently fined for incorrectly reporting information and mishandling customer disputes. I believe I am a victim of this same behavior, as my attempts to resolve this issue have been ignored, and the incorrect information continues to negatively affect my credit report.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2017-06-12
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (OH)

in XXXX I received a private XXXX XXXX loan, which was serviced by Navient. After XXXX XXXX I fell behind on all of my loans because I was unable to find a job. I 've since brought all of my loans current. However, I was unable to work with Navient at all and they charged off the account in XXXX, XXXX. They called both me and my elderly mother insistently and told her they were going to take her house away if she did n't pay. As a result she paid Navient {$5000.00} in XXXX, XXXX. Since XX/XX/XXXX Navient has reported the account as a charge off -- however every single month they renew the account on my credit report with an increase in the balance. The account is currently reported as a charge off and the balance has increased to {$16000.00}. In XXXX, XXXX I contacted Navient to see what I could do about this loan since despite very hard work to improve my creditworthiness my credit score can not improve because of their continued reporting. I left them a message and my call was returned by a collection agency. I was able to negotiate a settlement with the collection agency and paid the settlement amount in full. However, in XXXX, XXXX Navient again reported the account as a chargeoff with a balance increase of approximately {$100.00}.
Consumer complaint received 2017-06-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I really need someone from the  executive  office to return my call.  XXXX   XXXX ,  XXXX   XXXX  or his assistant. No one from Bank of America will help me. When I ask for a supervisor they hang up. Simply because she is in the Merrill Lynch branch. I called back and  XXXX   XXXX  said he did try to send his supervisor but advised that his supervisor would be too busy to call me back. I wanted to complain about the unprofessional behavior of  XXXX   XXXX ,
Consumer complaint received 2017-06-12
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)

I had an  XXXX   XXXX   XXXX  account in collection. I paid the collection agency with a discount and they sent me a letter stating that the debt has been paid in full. However, Experian still reports the debt as in collection. They argue that the debt has to been paid in full, although I explained there was a discount, and the letter explicitly says that debt has been paid in full. I would like Experian to remove that debt from collection.
Consumer complaint received 2020-05-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (MA)

This is my fourth complaint regarding a fraudulent practice of Citi Bank. The Company has yet to provide a satisfactory response and has refused to compensate for the financial loss that they caused. Please refer to my previous complaints for more details : XXXX XXXX XXXX Long story short, the bank froze my family savings account for undetermined period under pretense of my account being reviewed by the " back office '' of Fraud department. They provided no means whatsoever for me to resolve the issue and unfreeze the money. After submitting multiple complaints to XXXX  and CFPB, they then decided to close my account for unknown reason. 

After 63 days, they finally closed the account and returned my money. But no explanation was given even after multiple request to provide an explanation. 

Anyway during those 63 days, I lost hundreds of dollars because I needed to take a loan ( because my money was being used by Citi ). I lost another hundreds of dollars of not putting it in my other account that earnings MUCH higher interests. 

From my perspective, Citi stole my money for 63 days because they STILL failed to provide me an explanation of : ( 1 ) why the account was frozen, and ( 2 ) why my account was closed. 

Those 63 days may mean nothing for the company, but it meant lost of hundreds of dollars for my family and the Company is not owning responsibility for it. 

I made a conclusion that I might have been a victim of fraud and discrimination by Citi.
Consumer complaint received 2017-06-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (TX)

I received a collection letter with an account number balance owed and original creditor information. Date of service was not included. I called the number on the letter the man who answered tells me it was placed on my credit report  XXXX / XXXX /  XXXX  . I received the letter today  XXXX / XXXX /  XXXX  . First communication I have ever received, and they had already put it on my credit report. The man gave me service date from  XXXX . This is from 5 years ago, and this is the first communication I have recieved.
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (ND)

I am a victim of identity theft.  XXXX , Experian  and   XXXX   XXXX   h as the following address listed on my credit report :  XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , MN  XXXX , the address do n't belong to me. I have never resided at that address.
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

On  XXXX   XXXX     2017  I received a letter from the IRS instructing  XXXX   County   Circuit Courts  and the Credit bureaus to remove a paid lien entry on my credit reports, I sent them both a certified letter showing this, They have failed to comply and remove this entry from my credit reports as they are unfair.
Consumer complaint received 2024-09-20
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. (OH)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-12
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TCF NATIONAL BANK (IN)

TCF NATIONAL BANK ( TCF BANK-ILLINOIS INSTALLMENT LOAN NO.XXXX THE FEDERAL AND STATE STATUES OF LIMITATIONS HAD EXPIRED. F.C.R.A. AND F.D.C.P.A.AND NOW MUST DISCHARGE DEBT VIA XXXX AND REMOVE ALL LIENS ON SAID PROPERTY.
Consumer complaint received 2017-06-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (IL)

I received a response from a prior complaint. However, it is not adequate.  AES  has offered options for repayment that are n't feasible. For instance, the  XXXX   XXXX  has a monthly payment of {$560.00} per month. The only option they have made available would lower the monthly payment to {$480.00} per month for a short period, then increase the plan back to {$560.00}. This is not a helpful solution, especially in the short term. Moreover, they have already offered this several times when I 've asked for assistance ; each time, I 've told them how this reduction was not going to be of any help. The  XXXX  loan is more reasonable -- I have submitted the application for a Long Term Loan Modification, and if that is approved, that 's a fantastic option and I would have no further issues with those loans. But I can not continue to pay {$1000.00} a month in private student loans -- this literally leaves zero room for error. I can not afford health insurance, I can not save for a rainy day -- I have  zero  extra income for ordinary or unanticipated expenses that  may  arise. Since I 'm current on the payments, they wo n't work with me. It seems absurd to be punished for making payments on time, and to only be eligible to work out a different arrangement if I stop making payments and destroy my credit -- as well as that of my cosigner.
Consumer complaint received 2017-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TaxServ, LLC (IL)

Hi I have a problem whit  XXXX   XXXX  a tax this company try to colle ct a tax deb but I call a several times and I sent a letter I am not the person I explain some one else use my identification and buy a several cars I ca n't pay the vehicle tax because I never buy those cars. The last time I spoke whit this company and I sent a letter explaining the situation and then the company stop charging the amount now the company try again to charge me more and I do n't no why do n't understand I am a identity thief victim
Consumer complaint received 2017-06-12
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. (FL)

paid my loan in full on  XXXX / XXXX /  XXXX   and is still reporting as an open account affecting me getting approved for a mortgage.   XXXX   XXXX   XXXX   said there is nothing they can do I have filed a dispute with  XXXX  and they said  XXXX  is not responding. although the account has been paid it is still reflecting on my credit file as open.
Consumer complaint received 2017-06-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

This is the second time i submit a complaint against the company demanding to remove the account in collection from my credit report ... i have no ownership of this accounts ... i want the company to review their files and match my ssn against the ssn they have on file ...
Consumer complaint received 2017-06-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

On  XXXX   XXXX , 20017 I checked my acct and had  XXXX  in my acct. Checked my acct on  XXXX   XXXX  and seen that I had  XXXX  In over fees. I called the bank and talked with the manager she said that it was because of  XXXX  charged but when I look on my statment I had about  XXXX  after that came out. So than on  XXXX   XXXX  we went to the bank so they can show me why I went over. The assistant manager sat down with us looked at are statement and the statement she printed out and agreed that we should have never got the  XXXX  over fee. And that has caused a snowball affect. She said she would talk with the  manager  and get back to us on Monday. On Monday the assistant  manager  called and said it was because of a  XXXX  deposit that made us over. The manager called us back week of  XXXX   XXXX  and said it was a  XXXX  that caused the problem but yet it dose not show up on my statement nor t he one the acct manager printed out.