davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (PA)

XX/XX/2017   Reviewing my statement online, from Comenity   XXXX   XXXX   XXXX   XXXX    ;  I noticed fraudulent charges by  XXXX  :   XX/XX/2017  {$23 .00}   XX/XX/2017   {$54.00}   XX/XX/2017  {$54.00}  XX/XX/2017  {$ 43.00} for a total of {$170.00} I called up the credit card company immediately to report the fraudulent charges.    On   XX/XX/2017  I recei ved a form to fill out, asking me to list the dates and amounts of charges ; duplicating what was discussed in a phone call on  XX/XX/2017.     I tried to go online to look this up, and I could n't because the credit card company blocked my access. I call the company, and they claimed I reported a lost or stolen credit card.   I did no such thing and I let them know it.   After filling out their form with what little info I had, I made a rubbing of the credit card on the form I submitted. I asked them to send me copies of those statements in question.   Upon receiving these copie s on  XX/XX/2017 , I re-subm itted a copy their form, writing in the missing info they requested. Even though they had that info when I spoke to them on    XX/XX/2017  ; which they recorded for " training purposes ''.
 XX/XX/2017  I just received a not  ice of my statement available online ; so I proceed to check statement. The fraudulent charges were not removed, no credit was issued.   I called up the credit card company, yet again. It is very difficult to get a person from their phone menu. I spoke to  XXXX  employee ID #  XXXX , and queried her about the discrepancy. She told me it takes them 60 days to review it.
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 — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

On XX/XX/XXXX my Equifax credit report was showing my current installment loan with XXXX XXXX XXXX and XXXX XXXX credit card which are all in good standing. My credit score was listed as XXXX which really is n't good but this was another issue that I previously filed a complaint on. On XX/XX/XXXX my Equifax report was no-longer showing my current installment loan with XXXX XXXX XXXX and XXXX XXXX credit card. My Credit score has again dropped to XXXX which is getting worse than better. I reached out to Equifax regarding this issue and the response from them was that I need a Credit specialist. So I did meeting with a credit specialist at XXXX XXXX. He couldnt understand why this issue was taking place. I took it upon myself to contact XXXX XXXX XXXX and XXXX XXXX to inquire weather or not that they stopped reporting my history. There response from both companies were the same. They stated that they report to all three credit agencies and would not stop reporting either good or bad information. I am attaching correspondence from my conversations with both XXXX XXXX XXXX and XXXX XXXX. These issues that I 'm having with Equifax is not satisfactory in my book. My next step will need to be seeking Legal Council. All Im looking for is that my credit score be reflect my score of XXXX as it was in XX/XX/XXXX.
Consumer complaint received 2017-06-12
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. (IN)

XXXX  complaint reference I disputed and those companies reviewed and said was accurate. Transition wants specific acct numbers and nature of dispute. The following  XXXX  accounts were denied by me in court All  XXXX  lawsuits were dismissed and not proven to be mine I wanted all reporting of these account and collection of said accounts removed from my credit report  XXXX ,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2017-06-10
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. (CA)

I cancelled my  XXXX  account and paid the final monthly bill many years ago. For reasons that still have never been explained, there were additional charges.  XXXX  decided I owed them money while I was living abroad and never once contacted me by mail, phone or email about a debt. I was horrified to see it on my credit report a year later and immediately paid so it would not further harm my ability to get approval for an apartment.  <P/> They agreed that because I had paid quickly and they had no record of phone or email correspondence that they would erase the notation from my credit reports. Instead, it remains on my credit report as a paid collection with all  XXXX  bureaus -  XXXX ,  XXXX  and TransUnion.  <P/> To add insult to injury,  XXXX  made a hard pull on my  XXXX  credit report  in 2015. T his was years after I had terminated my relationship.  XXXX  had no credible reason to view my account, and   XXXX    had no authorization to share it with them.  <P/> In recent months, I have had a credit card number stolen and multiple fraudulent inquiries and mailing addresses added to my credit reports due to the clear attack of identity thieves. For all I know, this inquiry was due to someone stealing my credentials and trying to fraudulently open the account.  <P/>  XXXX  and the  XXXX  credit bureaus continue to report misinformation on the old account and, in   XXXX   's case, the fraudulent inquiry.
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On  XXXX   XXXX   XXXX  my credit report was pulled and In reviewing my report, I noticed the following error : Bank of America #  XXXX  This item is incorrect because The account has been in Charged Off status since  XXXX / XXXX / XXXX  ; And should be reported as such.     Also since the account was charged off the  24+  90 day lates which are reporting in the system is incorrect and should instead be 0 times 90 days.     On  XXXX   XXXX ,  XXXX  I called Bank of America and spoke with  XXXX  she transferred me to the credit analyst dept.  XXXX   XXXX . He said the account was charged off on  XXXX / XXXX / XXXX  and that they had not been reporting any 90+ day lates to the credit bureaus. I requested a letter from Bank of America stating this.     On  XXXX  I received a statement from Bank of America and it was a actual account statement from  XXXX   XXXX . Showing {$0.00} Balance.     I called Bank of America again today and spoke with  XXXX  who then transferred me to Charge off department  XXXX   XXXX  she she very mis informed and I ask to speak with a manager. She transferred me over to  XXXX   XXXX   XXXX . I went over my concerns that the account is showing a  Charge  off but still showing 90+ day lates. He said he would send a letter out to me. At this point I do n't have much confidence in Bank of America or their support staff.     I am hoping you can help me resolve and address this issue.
Consumer complaint received 2017-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY (IL)

Wells fargo is not reporting my direct deposits to XXXX XXXX XXXX. I need this to be reported so I can use this service. <P/>XXXX XXXX
Consumer complaint received 2017-11-03
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MCMC Auto LTD (TX)

I have advised Mike Carlson Motor company to cease all communication with me. I asked to not be contacted via phone or email. I received 3 emails on three different days after being told to do not contact me. I have been in contact with the company by me dialing in. I have made them aware I 've been in the hospital and XXXX XXXX XXXX. This company is using scare tactics, false statements and practices on its customers. I have spoken to countless managers and also spoke with the general manager or asst general manager about my complaints and concerns with this company. This is an ongoint issue and is now harrassment.
Consumer complaint received 2017-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

On  XXXX / XXXX / 17 , I applied for  the CitiBank Business c redit card with  XXXX   XXXX . They denied me wrongfully online at the time of application.  My credit score i s over  XXXX , and I contend the denial was wrongful, likely based upon religion as adjudged from my last name. My social security number is  XXXX   XXXX   XXXX .
Consumer complaint received 2017-06-10
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: Experian Information Solutions Inc. (GA)

Violated HIPPA la w on a debt that is not mine. They keep selling my information to different collection agencies after credit agencies delete them. They hindering my score to buy a house for my family and I. I do n't have a contract with them. There is no way they are validating a debt from a company that is not real.
Consumer complaint received 2017-06-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: VIRTUOSO SOURCING GROUP, LLC. (AL)

XXXX  I received notice that my credit report had been hit with a collections account. Once I pulled it up it stated that it wa s Virtuoso which I received no notice what so ever via mail. Which violated my rights to dispute.
Consumer complaint received 2017-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (LA)

On  XXXX   XXXX   2017, I sig ned up for one year of credit monitoring services with Equifax  Personal Solutions 's Complete Advantage Plan. This product is advertised as providing " cre dit report assistance '' and prioritized customer support.  <P/> On  XXXX   XXXX     2017, I ob tained a judgment for a legal name change and contacted Equifax immediately to inform them that, as the judgment was tied to a protective order, I needed my name change expedited on both my customer account as well as my credit report ( for the latter, I initiated the formal disputes process ). Equifax did n't provide me with any information over the phone and my emails received no responses for days at a time. Eventually they told me that I needed to fax them another copy of relevant legal documentation, even though I had previously emailed it to them twice and submitted it with my consumer file dispute on  XXXX   XXXX   2017.   <P/> On  XXXX   XXXX   2017, I  sent Equifax the required information for a fourth time, this time sending via fax. It has now been eight days and I have not received any acknowledgment of receipt, nor has my name been updated on my consumer account.  <P/> In addition, a number of features tied to the Complet e Advantage Plan revolve around comparing your credit to others in your geographic region. This feature is still pulling a ZIP code of mine from two  years ago, not in alignment with my credit report or customer account. I 'm paying for a feature that I needed that does n't even work.  <P/> I am very unhappy with the fact that I am paying Equifax a premium for prioritized customer support and this matter has gone without resolution for 40 days now. Due to the urgency of this matter I have decided to escalate accordingly.
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been a member of TransUnion ' s Credit Monitoring service for approximately the past ten years. Approximately four months ago I signed in to my TransUnion TrueCredit account to get my latest report and everything went blank. No score, no report, no nothing. The " dashboard '' remains blank no matter what I attempt to do. I have updated the credit card I was using. At first the system would not accept it ; however, it finally wo rked and the funny thing is they have no problem charging the new card for the monthly fee. Additionally, the system will only give me the option to update my  XXXX  agency report occasionally and it never actually works. It just takes me to an error screen that says : " We are temporarily unable to complete your request. Looks like we are experiencing a problem ''.  <P/> Furthermore, I have called in at lea  st five times over the past three months and I get the same standard unhelpful answers : " They are aware of the problem, try again tomorrow, and it could be a browser issue ''. I have tried three different computers ( Home Mac, Home PC, Work PC ) and four different browsers ( Safari, Opera, Chrome, and Explorer ) on numerous occasions. Nothing works except that it appears to allow me to block or unblock my file.
<P/>
Extremely Poor Customer Service. In fact, I would have to say it is unbelievable. I even spoke to a supervisor who was clueless and simply repeated everything their   representatives have said before ; however, they could not resolve the problem and that is unacceptable.
Consumer complaint received 2017-06-11
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. (SC)

I have mailed a copy of the letter I received from the bankruptcy courts stating that they do not report a bankruptcy for me to any credit reporting agency.   I have sent a copy of this to Experian, but they refuse to take it off the report.
Consumer complaint received 2017-06-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MI)

I am currently set up on an income sensitive repayment plan and have  XXXX  different loans with Nelnet.  XXXX  of my loans have monthly payment amounts that do n't even fully cover my interest which essentially make it impossible to payoff the debt.  <P/> My current payment plan is supposed to consist of making principal and interest payments so I think it should be illegal for them to purpose a payment plan that is not sufficient.  <P/> Here is a current example of what I am referring to. The balance due on  XXXX  of my loans is {$2700.00}, the interest rates 6.8 % which makes the daily interest {$0.00} per day. So 30 days of interest would be {$15.00} a month. My monthly payment for that particular loan is {$14.00}. That means that every month I am having {$1.00} added back onto my loan in unpaid interest.  <P/> I know the CFPB governs banks and makes them explain things to customers so I do n't know why student loan companies are n't required to do the same. I think they should be required to provide some sort of educational component like credit cards do now that outlines how much interest you will pay by only making the minimum payment and then give you an example of how much interest you would save by making additional payments.  <P/> My loans were disbursed between   XX/XX/XXXX  and  XX/XX/XXXX  a nd I have been paying on them since  XX/XX/XXXX . The interest rates on most of them are 2.32 % and I have a few that are 6.8 %. The total of my loans came to {$17000.00} and over the course of my payments I have paid {$13000.00} and only {$7200.00} of that has been applied to my principal balance. The remaining {$6300.00} has all been applied to interest ( with the exception of {$13.00} in f ees ).   <P/> I am also curious to know who monitors how these companies apply their payments and exactly how they are allocated.  <P/> The statements they send do not show that detailed information and online it just shows a total of how much was paid in interest and how much in principal.  <P/> I have no clue what this company is doing with my monthly payments. I have always paid more than my minimum monthly payment each time I have been set up in a payment plan.
Consumer complaint received 2017-06-10
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Bank of America NJ, continue reporting that I am a risk more than 10 years after I paid off all debts to them. And so could not get a bank account,  Apt   .  or buy a vehicle ; even though any fraud was discharged. At the time, a few of my paychecks bounced therefore a domino effect occurred. B of A blamed me solely, not the company I worked for. That being said, they subjected me to much ridicule. All while not communicating to me of the maximum damage they were causing a former good customer. Bank of America was a bank I opened an Account with while stationed on an   XXXX   XXXX   XXXX   in California USA, at less than  XXXX   XXXX   old    XXXX  .
Consumer complaint received 2017-06-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (CA)

After agent who worked mortgage / loan dept. in the XXXX CA branch of Citibank solicited me to increase an existing credit line of {$260000.00} to {$320000.00} ( 10 yr interest only note ) consummated on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I was notified of a loan modification approval by CitiMortage. I made 3 trial payments but did not sign and return the loan modification documents due to a question I had regarding the terms not aligning with what I was " told ''. I called and expressed my concerns to the executive response team member XXXX XXXX. Additionally I informed XXXX XXXX that the lien being held by CitiMortgage was in 3rd position on my property since XXXX XXXX due to no title search being performed by CitiMortgage at that time. I believed falsely that it was in CitiMortage 's interest to work with me to resolve this matter due to CitiMortgage 's position on my home being 3rd and not 2nd as they believed until I informed them. See complaint # XXXX In a letter from CitiMortgage dated XXXX XXXX, XXXX I was informed that I had been rejected for a loan modification due to the fact that CitiMortage was in 3rd position on my home. Furthermore however in the same letter it was stated that ; " Upon receiving your follow up inquiry regarding the modification documents, we were re-reviewed your request and required an updated title report before we could make a final decision in connection with your dispute. We found that your HELOC account is in third lien position, which automatically disqualifies you from qualifying for a FDIC second mortgage modification. The HELOC reset modifications allow third lien position accounts ; however, you do not meet the maximum guidelines for the modification.Therefore, we are officially declining your request for a modification ''. After all this effort and my misguided candor informing CitiMortgage of their factual position on my home after over 10 years instead of working with me further it is stated within CitiMortgage letter XXXX XXXX, XXXX " you do not meet that MAXIMUMguidelines for a 3rd position modification ''. CitiMortgage established their position on my house the last quarter of XXXX by not performing a title search prior to extending {$320000.00} HELOQ credit line on my home. IF they would have simply asked for the 3rd lien holder ( prior to XXXX XXXX, XXXX to subordinate it could have been accomplished in several days. Now the former 3rd lien holder is the 2nd lien holder and, post recession is fearful to return to his 3rd position believing CitiMortage intends on foreclosing on my house. CitiMortgage has retroactively charged me interest and principal beginning XXXX XXXX, XXXX. On XXXX XXXX I was forced to declare Chapter XXXX Bankruptcy. After 4 months unsecured debt will be discharged.
Consumer complaint received 2017-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (FL)

I am a XXXX person w/ no transportation available. Three weeks ago I tried accessing my TD Bank account on line, and the security question was " What high school I had attended and I gave the lady processing my new account the answer, however i do n't know if she typed it with caps or without and two words or one word, the result is that after having tried three times the account was locked. I called the Toll free number on the screen XXXX. After reviewing the account the agent told me that because the account was totally freeze I had to go to a branch to get it unlocked. On XX/XX/XXXX I was able to get a ride and went to the branch located at XXXX XXXX XXXX XXXX , XXXX, FL XXXX. The lady was very nice, I gave her my ID, SS and account number, ad to my surprised, She told me she had to call to get the account unlocked, EXACTLY THE SAME THING THAT I HAD DONE THREE WEEKS EARLIER. They kept us waiting for half an hour and I suggested that since she had already verified my identity, that she handle the rest of the unlocking of the account, I was told she could not do that and I informed her that I could not wait there forever since my ride was waiting outside. Today XXXX XXXX aT XXXX I called the toll free number and asked to speak to a supervisor, I was kept waiting for over 15 minutes and XXXX ID no XXXX and to my surprised, she gave me the same answer, that there was nothing she could do over the phone and that I had to go the branch. HERE IS WHAT NEED YOUR AGENCY TO ADDRESS : 1 ) SINCE I AM A XX/XX/XXXX PERSON ( XXXX YRS OLD ) UNDER THE AMERICANS WITH DISABILITY ACT, TD BANK IS IN VIOLATION OF MY RIGHTS 2 ) THE BANK HAS FAILED TO ADDRESS THIS PROBLEM AND AS A RESULT I STILL HAVE NO ACCESS TO MY ACCOUNT, STATEMENTS AND TRANSACTION LEDGERS. 3 ) THE BANK NEEDS TO PUT IN PLACE A SYSTEM IN PLACE THAT ADDRESSES THE NEED OF XXXX PEOPLE. 4 ) INSTRUCT TD BANK OF THE VIOLATION AND TO ADDRESS THIS PROBLEM WITHOUT MORE DELAY, EVEN IF ONE OF THEIR EMPLOYEES AT THE BRANCH HAS TO COME TO MY HOUSE TO DRIVE ME TO THE BANK. I HOPE THAT YOU ADDRESS THIS VIOLATION AS SOON AS POSSIBLE AND MAKE THE TD BANK ACCOUNTABLE FOR THEIR ACTIONS