davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-03
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: ID Analytics, Inc. (FL)

This Credit Agency states that my credit score is half of what the other agency says. In order to request a copy of the report I am required to send the follow per their website : Please provide the following information to request your consumer report : 1. A written request with signature that includes the following information : First name, middle name, last name, suffix ( if applicable ) Current address including ZIP code Current phone number with area code Social Security number Date of birth ( month, date and year ) 2. Copies of at least two of the verification documents listed below that substantiate the personal information that you provide as listed in Step 1 : Current state-issued drivers license or other current Government issued identification ( such as a passport ) Recent cable, utility or phone statement, produced 60 days ago or less Social Security card Birth certificate U.S. passport picture page Alien registration card Voided personal check with your current preprinted address Send your request to us at : Secured fax : ( XXXX ) XXXX Or Postal mail : SageStream , LLC Consumer Office XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX As I do not know who this is nor have I ever heard of them I do not feel comfortable sending that kind of information to them. In searching for answers I see several reviews that they are a scam and do this to keep your credit score low to get higher interest rates. There needs to be a better way to get the information they are reporting with out giving them everything to steal my identity. Also if they are a credible resource then the public should be made aware. <P/>Also, a key factor that adversely affected my score was listed as : Distance between address and area code of phone. That is just ridiculous. Why would that effect my score?
Consumer complaint received 2017-07-02
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: CITIBANK, N.A. (NJ)

Nuisance security calls, blocked credit card accounts, and blocked security emails are problems I do not want from my credit card issuers. Citicard has failed in all of these areas. I do not want to waste my time answering questions about potential fraudulent {$10.00} charges. I do not want to have telephone conversations under intermittent holds and speaker phones. I do not want my credit card to be limited by potential fraud charges which Citicard will not identify to me. We apologize for any inconvenience, but to protect your account, further charges may be limited until you have contacted our Customer Service Department. <P/>My emails under the Secure Message Center a safe convenient way to contact us about your account. Here you can send, receive and update messages securely to get answers about your account. NOT. My emails have now been blocked. ( See attachment ) My other card issuers do not present these problems. They do not use security as an excuse for poor performance and poor procedures.
Consumer complaint received 2017-07-03
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)

This comaplaint is for XXXX for the XXXX XXXX XXXX credit card. My credit card was used without my consent on XXXX XXXX, 2017. There were two charges made. One charge was was at XXXX XXXX XXXX for {$47.00} and another at XXXX for {$440.00} in XXXX. I do not live or have visited XXXX. I did n't notice these charges on my account until XXXX XXXX. I immediately reported the fradulent charges on my account and asked to be sent a new card. My balance on the account before the fradulent charges was {$490.00}. My main problem right now is that XXXX closed my account with the balance of {$990.00} and reported it to the credit agencies. My credit report currenly shows that I have a closed account with this high balance. It is affecting my credit score in a very negative way. I understand that XXXX needs 10 to 14 days to complete an investigation, but there is no reason why my credit score needs to hurt in the process. I have never been late on any of my payments. I have been a good customer. This protocol they have taken is not right. Why should my credit score hurt while they do their investigation. They should have never closed the account with such a high balance, specially when part of the balance was not even authorized by me. In the past, when I had a fradulent charge on another account it was not handled this way. The account was n't closed and reported to the credit agencies with the fradulent charges. They simply just send me a new card, and an affidavit to sign, where I stated that the charge was not authorized by me. As of now there is one XXXX XXXX account showing a balance of {$940.00} and another one of {$47.00}.
Consumer complaint received 2017-07-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (TX)

On the XX/XX/XXXX I made a transfer ( MTCN XXXX ) of {$5000.00} from my XXXX XXXX  account via Western Union to my XXXX Account in XXXX for a medical emergency and got a confirmation that they money will made made available on the XX/XX/XXXX.While this transfer was being processed and pending and initiated a second transfer ( MTCN XXXX ) of {$5000.00} from my XXXX XXXX via Western Union to my XXXX account on the XX/XX/XXXX for the same medical reasons and I got a confirmation to receive the money on the XX/XX/XXXX.
<P/>
On the XX/XX/XXXX, I got and email from Western Union that my first transfer is cancelled and I called to know the reason and they could not give me any reason. All I was told was " the web department is closed '' and that my money will be refunded back into my account. Because of the bridge of contract on my first transfer without any reason, I asked for the second to be cancelled and refunded back so that I can use other means to address my medical emergency. They only processed the first transfer and I can not access the money for the second transfer even though it has left my account and I still ca n't use get it back. The customer services personnel told me different things that does not make sense and at this time I am in between not having the money they already took from my bank account and facing a huge financial dilemma due to pressing need to provide the fund abroad.
Consumer complaint received 2017-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MI)

Freedom Mortgage is our current mortgage holder. We recently were interested in purchasing a new home and when we contacted Freedom about preapproval for a new loan we were denied on the basis that we had multiple late payments. Certain this was simply false, we have gone back into our online bank account and provided them proof that these said and recorded late payments were indeed not paid late or delinquent. And, in months where we have made 2 mortgage payments only one has been recorded on our payment history per Freedom Mortgage. The other payment is nonexistent in their account of our payment history. They refuse to accept our bank account documents, which they requested for proof, showing that this money has indeed been removed from our account as proof and continue to refer to their records stating we are indeed delinquent. This has not only tainted our credit scores but it has cost us thousands of dollars. Our home owners and auto insurance have doubled in the 2.5 years that they have started inaccurately recording us as delinquent to credit reporting agencies. We are looking for help to get our credit history correctly reported and recoup the thousands of dollars it has cost us. <P/>We are happy to provide you with our private bank statements if necessary to help you to appreciate our prompt and appropriate payment history. Freedom Mortgage has been provided these said documents at their request prior to our contacting you.
Consumer complaint received 2017-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

Negative mark for late payment of 30 days fr XXXX XXXX. I learned about this lately from XXXX XXXX online with XXXX XXXX. But XXXX XXXX 's XXXX XXXX in XX/XX/XXXX did not show this delinquency. I had a 36 month auto loan with XXXX XXXX ( co borrower with my husband XXXX XXXX ) for a XXXX XXXX XXXX XXXX XXXX XXXX we obtained sometime in XX/XX/XXXX. Amortizations were automatically debited from my Checking account/credit card with the understanding that we will be informed of any issue or problem the company may have in accessing the account within several days from due date, so that we could just pay the monthly amortization online in their website. We were not informed that XXXX XXXX was not able to access the account for that specific month. The delay was not our fault. It may be due to technical reason/s on the part of our bank or on the part of XXXX XXXX, but the clerk /personnel who handled the account was just too eager to report the delay of about 30 days to the Credit Bureau . It was no big deal at that time, issues were clarified, loan was fully paid, account closed, title issued and that had been for about 5 years now. Unfair that a 1 time delay of this nature would even show up in my credit report. Please help me remove this fr my records, in the interest of justice and fairness.
Consumer complaint received 2017-07-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION (MA)

This complaint is based on my attempt to obtain a conventional home mortgage loan from OneWest Bank, a division of CIT Bank. The loan officer pre-approved me for the required mortgage amount upon submission of relevant financial documentation. I also electronically signed and acknowledged the CIT Privacy Policy. A copy of the same is included herewith. As stated in the privacy policy, CIT does not share personal information with third party non-affiliates. When the mortgage application was sent over for underwriting, I received an additional credit authorization form. A copy of the same is also included herewith. The new credit authorization form requires the applicant to authorize release of personal information to any third party non-affiliate the bank chooses to do so. I was told I can not restrict sharing this information or decline accepting this condition. Based on talking to my legal counsel, it appears this indirect attempt by CIT Bank to force customers to authorize disclosure of personal information to third party non-affiliates may be illegal. I was urged to report this matter to the CFPB for further investigation. Considering the second authorization was disclosed only after the application goes into underwriting, most applicants may in the interest of time provide their consent. I value my privacy and protection of my personal identifiable information. Had to find an alternate lender who never required me to provide a similar third party disclosure consent. My closing was delayed by over two weeks and the sellers insisted I pay for the holding costs resulting from the delay. Would never have proceeded with the CIT Bank mortgage application if they had disclosed the second credit authorization form along with the original privacy policy.
Consumer complaint received 2024-09-26
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

Synchrony BankXXXX XXXX Credit Card introduced a {$1.00} paper billing fee. However they emailed the change of terms, which ended up in a spam folder. Since this bill is paid automatically each month, I didnt discover the new fee and resulting interest on these fees in my paper account statement until several months later when I was marked delinquent. I called Synchrony & the initial representative was unhelpful. After escalating to the supervisor, he was able to waive the interest & fees ( {$46.00} ).
Consumer complaint received 2017-07-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

My problem involves affecting home repairs from storm damage at my home. I am behind on my mortgage but am actively working with the bank to find a solution to keep my home. I have a claim check for {$8000.00} to make repairs with another {$1500.00} available when repairs are completed ( through my insurance company ). My insurance check is made payable to myself and Wells Fargo. My lender is insisting on using a managed claim process normally reserved for large claims and major repairs. Neither applies in my case. In addition, there is a myriad of paperwork that must be submitted before payment can be made. Because of this process, contractors will not perform the work. It is not reasonable to expect a oontractor to receive payment in thirds for one day of work and the paperwork requirements make it not worth their trouble. I have told the bank that I would welcome an inspection once repairs are completed as I need to do that for the insurance company anyway. Wells Fargo still insists that they manage the claim. I have applied again for an exception and am waiting to hear. Wells Fargo has a terrible reputation in our area and is known for holding insurance money unreasonably and not paying contractors on a timely basis. I have no confidence that Wells Fargo will actually pay the contractor if I commence work. In the end, I just want my roof repaired and my ceiling fixed. We have been getting the run around for over a month just to get to a " no ''. I feel that the bank is being completely unreasonable given the dollars and scope of work to be performed
Consumer complaint received 2017-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (AZ)

Hi, a little ov er two a m onth ago ( I 'm not sure on the exact date ) I downloaded an app on  my iPhone  called  XXXX   XXXX   (  an app that was supposed to track how much you spend a month on subscriptions  ). I  ended up deleting it after putting my  XXXX   XXXX  credit card information. On  XXXX   XXXX  I got charged by Experian  Credit Rep with {$1.00}, which  I did n't think much of. I thought maybe it was the app or something else. Then it charged my same account again on  XXXX   XXXX  for {$21.00}. Confused, I called Experian to figure out what was going on, but after maybe  10  minutes waiting on hold I hung up and hoped it would resolve itself. Unfortunately it did n't, I was just charged again with {$21.00} today,  XXXX  the  XXXX . It 's odd because these charges are always in the middle of the night. Now I 'm not completely sure if  XXXX   XXXX  is the origina l one  to blame here but by my actions and time table of the charges, this is my best guess. I 'm going to try to call Experian again today and hopefully get this resolved.. The fact that I ca n't even clearly recall how I somehow signed up for what seems like a {$21.00} financial subscription is why I am filing this complaint. Please feel free to contact me if you need any more information.
Consumer complaint received 2017-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services (MS)

The loan was refinanced and the account online reflex paid in full. But I just got a derogatory comment on my report saying I was delinquent. The loan was refinanced in XX/XX/XXXX and I started attended college in XX/XX/XXXX. But I have a remark stating I 'm delinquent for XX/XX/XXXX-XX/XX/XXXX. I do n't understand why this company is still making credit report statements if the account states paid in full. I want to know what I have to do to never be involved with this company ever again. It 's like they revel in making credit worse, even though I 've made several attempts to try to make payments. But every time it 's the worst experience. I hope the company evolves to be work with individuals willing to make payments instead of giving the run around so they can make negative comments.
Consumer complaint received 2017-07-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OK)

Attempted to start direct debit to pay account automatically two times. Neither time was direct debit set up resulting in late payments. <P/>Attempt 1 : Gave bank routing and account information. Debit was not set up.
Attempt 2 : Again, gave bank routing number and account information. Debit was not set up and 1 mo forbearance was put on account. Was not told that this would be a part of direct debit set up. 1 month work of interest was added to my total loan balance because of this.
Consumer complaint received 2017-07-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CO)

My monthly minimum payment is currently {$25.00}, and I have an automatic payment set up to pay " Minimum Payment Due '' on the due date, which is the XXXX of each month. On XXXX XXXX 2017, I made a payment of {$320.00}. My online account after that day was updated to reflect that the minimum payment due was {$0.00}. Despite this, Home Depot processed an automatic payment for {$25.00} dollars on XX/XX/XXXX. When I reached out to request an explanation, I was told that despite having paid the minimum amount in advance, the automatic payment would still be run and there was nothing that could really be done at this point to stop it. I am fortunate that I have substantial funds in my checking account so that I 've not been charged an overdraft fee, but this is potentially a major issue for any other customer in the same position. I 've not read the fine print of the automatic payment agreement, but I fail to see how any agreement can redefine " You have scheduled an autopayment of Minimum Payment Due on XX/XX/2017 '' to mean " You have scheduled an autopayment of Minimum Payment Required for the Month on XX/XX/2017. ''
Consumer complaint received 2017-07-02
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (MS)

I contacted XXXX XXXX regarding a public record. They told me the information was verified but did not tell me how. According, to the FCRA this information have to be provided with physical documentation. Also, this information have to be verified with the courts and the courts have to verify it. Third party sources such as XXXX does n't count as verification. I ask if could be removed Upon viewing my credit report I found many inaccuracies and they refuse to remove it from credit report that 's violating FCRA I 'm in the market to purchase a home and need these removed
Consumer complaint received 2017-07-03
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: EQUIFAX, INC. (LA)

I have contacted Equifax credit reporting bureau on several occasions regarding disputes concerning inquiries that were fraudulent or placed in error. I also contacted them regarding a collection account that was never verified after numerous attempts, in which they failed to remove. The collection which is listed under XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I have reached out to this bureau several times regarding this matter. I also sent them a certified letter by mail requesting proof of this debt in XXXX of this year and have never heard anything back from them. I 've filed several disputes with Equifax and to no avail, they all come back within 2 days confirming validity. I also disputed the inquiry with XXXX XXXX, XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, which is my credit union. I contacted all of these companies by phone to dispute this error and they all told me to dispute it with the bureau and they would remove these erroneous transactions which I never authorized but they always come back verified. I spoke with my bank on the XXXX/XXXX/XXXX to inquire about a inquiry and they also told me it was place in error they would be happy to remove it but they were never contacted by Equifax. Equifax is ruining my credit by not properly investigating my complaint. When I contacted Equifax to verify the method they used to validate these accounts, the representative told me they do not know what method was used. It is my right to know how the debt was validated but according to them I do not know. Equifax is not a reputable company and in their quest to profit, they are allowing these erroneous inquiries to remain on my report to benefit them. This is an unfair and unlawful practice that I will not stand for.