davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-27
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Neon Newco Corporation (KS)

XXXX XXXXSo I had got my second round check in the mail for {$600.00} and I went to go cash it and I had went to cash it at a loan place and they gave me a prepaid NetSpend card and it was for my checklist for XXXX dollars and everything and they said it would be uploaded within the next XXXX minutes I waited nothing and then find out that that's been blocked my forget the cow due to having previous accounts so I had contacted them and ask them if I can't get my check or what can I do and they said they could send it back to me and that's that's been I'm talking about and I gave him my address and everything and phone number and they said there was a fee of {$25.00} for sending it back to me and. And I waited and waited and waited for a year so contact him again in XXXX  on XX/XX/year> and they asked me for talking to them again and then I was told that they located it and they would send any of my check and still haven't still to the day I have not received anything. I contacted them today on XX/XX/XXXX and they asked me about my information they asked me what my email was which I don't remember what the email was because I was able to make account but they're saying that there's an email on there and if they close the account and blocked it so how was I able to do all that I don't understand and they said they see it but they said since I can't verify my fish even though I did it's everything they told me that I need to go through the process and they asked me what the card number is which I don't have the card because it is XXXX XXXX and I was able to use that card so why would I keep it and they still won't give me my friends back
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

My car was totaled out and paid off in XXXX. After sending them the check and sending them the payoff balance of the car there were a few issues. It took them XXXX checks and over 40 days to see the payment added to my account. I was told that there was an issue with their mailbox that they received payments and there was a delay. During this time interest was still incurring on the account. After waiting for the payment to be added to the account there was still an outstanding balance which was not supposed to be. XXXX  had charged me extra fees and added other interest to my loan after the payoff amount was sent in. Because there was an outstanding balance that I wasn't aware of, the payments started to be late and they reported " late payments '' to my account for a car I never had and had already paid off. They caused me to miss out on opportunities for reporting this false information on my credit report. These unnecessary charges had to be paid and time and resources were spent on communicating with them to get this issue resolved.
Consumer complaint received 2015-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

Mainly Experian Credit reporting, continues to report incorrect and or false information. I 've contact them numerous of times to correct the Negative incorrect information. They refused. I 've been denied credit and thus suffered due to incorrect information. I 've had both an " Alert and Freeze '' placed on my credit report for about XXXX now. It has been helpful against Identity Theft, and because " I 'm also a survivor of a XXXX ''. All prior information should be corrected and the years following up to date should reflect the most recent credit accomplishments such as my, " Previous Students '' All Paid in Full as of XX/XX/XXXX, are currently at a XXXX balance and " OWE ANYONE '' ANY MONEY for anything!. MY Address and Previous address and Previous addresses prior to XX/XX/XXXX should be corrected as well as any previous Employment records. 
I will scan and attach documents to follow. I have Not been able to reach and speak to any agents from Experian since XX/XX/XXXX. All XXXX major credit reporting agencies have phone numbers that does not allow citizens to call and speak to anyone to help advise and inform them or receive some form of clarity, we the citizens are cut off from proper conversations. I 've written letters and still to no avail, no assistance. 
Thank You
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

In XXXX I applied for a received a Citi XXXX XXXX account and was a card holder in good standing until XX/XX/XXXX when citi abrubtly decided to close my account. 
Closing the account resulted in negative points on my credit report, while still having to make on time payments and pay interest. 

Upon learning of this I contact Citi executive offices due to my disappointed. After investigation CITI revealed the reason for the closure was due to a debt that was charged off in XXXX and sold to a debt collection company in XXXX. This was concerning due to a number of reasons which Ill explain below.

1. Citi pulled a credit report prior to deciding to reissue the card without notice of the credit check. 
2. Citi reviewed internal records to make an adverse decision that affected me and according to the FCRA this was done incorrectly and caused damages to me.

3. Citi has started company wide layoffs and informed regulators that this is due to a drop in revenue. However it is clear the drop in revenue is being caused by citi themsleves by shedding on time paying customers for no reason.

4. CIti SOLD the debt and no longer owns it but makes decisions based on the debt. 

These reasons are concerning but most important is the fact that Citi themselves had trouble and needed a bailout from the American people due to their financial decisions in XXXX. Now in XXXX after being a good customer and never being late Citi decides my past financial decisions should affect my current life. 

When pressed on this issue and reaching out to the Executive office of Citi I'm told its a private business and they can do what they want even violate the FCRA and cause personal damages to me. When reading online of other peoples issues of same its clear CITI makes adverse decisions to card holders and account holders with ZERO accountability and hides behind being a private business... ..yet is publicly traded on the stock exchange. 

Lastly the card was obtained AFTER the debt had been sold and been in good standing so looking back 7 years to a previous debt WHILE an account holder makes no sense.
Consumer complaint received 2015-11-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

select portfolio services reviewed mortgage and taxes in XXXX.they said my county taxes increased to more than XXXX dollars. after a long lenghy battle and a complaint to you i recieved a decrease in my mortgage to XXXX a month this years statement say i owe XXXX in taxes because of ashortage in my escrow .my payment is now XXXX a mortgage pay ment increase of XXXX. XXXX i am a XXXX .how do i pay this because all they want is my house.
Consumer complaint received 2024-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

There are two issues. 
XXXX ) XXXX included my HELOC account with the credit card utilization rate, which is incorrect. This occurred approximately one year ago and took three months to get corrected. Recently, XXXX began to include the HELOC once again. I was unable to dispute, since I had previously disputed, but was able to upload again a copy of the HELOC Contract where is specifically states HELOC. XXXX decreased my credit score 43 points due to their error. I finally was able to speak with someone on the phone following several attempts and hours spent. This person was reading from a script and when I inquired if she understood what HELOC account was, she replied that she was reviewing my file and did not see a vendor named HELOC that I had an account. Then she proceeded to inform me that the multiple credit inquiries for a home mortgage were counted as one, again reading from a script. I informed her that is not the case, it should be, but is not. She apparently laid down the phone receiver/headset without any warning. I waiting and called her name several times and after fifteen minutes, I disconnected the call. 
XXXX ) Issues is related to multiple home mortgage inquiries, mentioned above, being counted separately rather than as one. 

Both the HELOC and multiple inquiries are spelled out as to how they are managed by XXXX, but they do not manage as stated. I have asked multiple times, if it would be easier to correct, if I provided them exactly where XXXX outlines the proper method of managing a HELOC balance and multiple inquiries and each time informed no. 

XXXX informs you that there is a process to manage certain accounts, but they fail to manage according to their own process. I have worked diligently during the past 20 years to maintain a stellar credit score and with two opportunities, XXXX has substantially impacted my credit score. XXXX takes swift action to penalize you credit score, as mentioned above by decreasing 43 points, but the increase takes months to get back to the original score.

The IVR system set up at XXXX is only in place to prevent speaking with someone live. Only an obstacle and not for assistance.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (IL)

I had an account with Wells Fargo. It became clear that Wells Fargo was violating regulations and rules of banking, and I terminated my relationship with Wells Fargo with all accounts. A line of credit that was closed in XXXX continues to be reported to the XXXX XXXX and other credit bureaus in a blazen attempt to damage me, my name, my reputation and my ability to access funds from banks, in spite of Wells Fargo 's criminal behaviors, which included stealing personal identifiable information from customers without their knowledge and opening accounts without their knowledge. The bank industry barely punished Wells Fargo and yet they have continued to report negative information which has had a 15 year negative impact and damaged my credit scores, allowing banks to charge higher interest to me after they committed the financial crimes. When I call, I get a run around from Wells Fargo, indicating that the bank can't do anything but that the charge off department is responsible - a total run around from fixing the issue
Consumer complaint received 2024-02-07
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: EQUIFAX, INC. (NC)

On XX/XX/XXXX, I utilized the Fair Credit Reporting Act ( FCRA ) Section 609 letter template, as stipulated by the law, to initiate a formal inquiry with Equifax, one of the major credit bureaus, concerning inaccuracies on my credit report pertaining to three XXXX accounts. On XX/XX/XXXX, Equifax sent a letter, via mail, both acknowledging the receipt of my FCRA-compliant letter and delivering the results. 

The results revealed that Equifax had consulted with XXXX to include the current date and identified the balances on all three accounts as being PAST DUE. These accounts are incorrectly labeled as " past due. '' We have been making on-time monthly payments of approximately {$2500.00} to XXXX since XX/XX/XXXX. Importantly, these accounts are current and up-to-date as outlined in the legally binding settlement and confirmed via adherence to the agreed-upon payment schedule. 

I argue this settlement is a mutual legal agreement between all parties involved, and in this case, XXXX had revised the loan amounts, which we had accepted. Since XX/XX/XXXX, we have been making monthly payments in accordance with this settlement agreement. As per the FCRA, credit reports should accurately reflect one 's credit history and current status, and Equifax 's reporting of the current status of these accounts is incorrect, as it fails to acknowledge my on-time, recurring payments. Surprisingly, Equifax chose to accept XXXX 's position without further inquiry or investigation. This practice contributes to numerous instances of misrepresented and inaccurate credit reports, and I firmly believe that credit bureaus should be held accountable for failing to exercise sound and fair judgment. This flawed system disproportionately affects lower and middle-class individuals, resulting in higher interest rates and loan denials. Furthermore, it often impacts employment prospects as employers frequently check candidates ' credit histories, thereby infringing on our right to economic liberty. 

Attached, you will find the following documents : 1. The FRCA letter sent to Equifax on XX/XX/XXXX XXXX. The final dispute result from Equifax, received via mail on XX/XX/XXXX - Part XXXX XXXX. The final dispute result from Equifax, received via mail on XX/XX/XXXX - Part XXXX
Consumer complaint received 2024-01-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (NY)

I was called by a so called student loan serviced who had access to my information. They then offered to consolidate my loans if I paid {$800.00} up front and then paid {$39.00} a month to lower my payments. Not a single dollar amount that I paid has been reduced from my student loan debt and the worse part is that they are still charging my bank account {$39.00} a month and it has been 3 years and I can not stop them from taking the money out of my bank account. The bank said they are unable to help me with this issue.
Consumer complaint received 2024-01-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CA)

Every time ( at least XXXX instances ) that I try to log into my Barclays XXXX XXXX XXXX account on-line over the last 3 months, I have had to waste XXXX minutes re-setting my password just to access my on-line credit card account AT ALL!!! I know I am typing the correct password EACH time since I save it onto a master XXXX spreadsheet. This is BLATANT, UNETHICAL, and FRAUDULENT retalliation for my filing a small claims court lawsuit about 7 months ago against Barclays, on which they paid my FULL demand to settle out of court. 

XXXX XXXX XX/XX/24
Consumer complaint received 2015-06-15
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (WA)

Specialized Loan Services took over my account from XXXX XXXX XXXX XX/XX/XXXX and to date i have not had XXXX payment or interaction that i could call positive. The latest incident is that since XX/XX/XXXX SLS is cashing my payments but not posting any of them to my account. I have called to have a " miscellaneous fee '' of {$110.00} explained. They would not send further documentation and the phone representative said they can not provide or explain. In the last two months i have made the following payments but the value of my loan is rising rather than decreasing. 
XX/XX/XXXX : $ XXXXXX/XX/XXXX : $ XXXXXX/XX/XXXX : $ XXXXXX/XX/XXXX : $ XX/XX/XXXXXX/XX/XXXX : $ XXXXXX/XX/XXXX : {$370.00} ( Pending - on hold until payments post ) TOTAL PAYMENTS MADE : $ XXXXIs this legal?
Consumer complaint received 2024-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: BROKER SOLUTIONS, INC. (CO)

Hello, My issue is getting in a payment for fees, and the start of the process. Since the begining miscommunication, and now that the final fee they sent is owed. I sent in an ACH payment on XX/XX/. The payment was not processed. XXXX XXXX is now telling me that my bank is to notify them when a payment has been made to their company. This makes no sense as they are requesting the payment. They did not process or did anything for weeks about my application. Then once they moved on the loan the terms for their XXXX  program changed. I was then put into a program, where I was put under pressure to sell my home quickly and since rates were fluxuating it took a minute to sell. Then on top of it, I was charged rent, fees and XXXX. XXXX for move in fees. The XXXX stated that was only a deposit, if damages were incurred while moving in. I paid that fee and now I am being charged for it again from this company. I feel this is just a fee, and when I mention to the XXXX team about it. They just said those are fees incurred. This company now is asking for the fee of XXXX. I emailed and mention to them. I paid it and used their XXXX form. There now saying the bank needs to notify them. I feel this company is just making it very difficult to work with. I am very frusterated as it seems they do not know what they are doing. They should not be listed in XXXX XXXX if they can not provide a service correctly.
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Account info Account name BANK OF AMERICA Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/year> A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party.
Consumer complaint received 2024-11-10
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Eastern Account System XXXX XXXX XXXX XXXX XXXX, CT XXXX Subject : Demand for Verification of Permissible Purpose for Reporting Collection/ Creditor Name : XXXX  - Account Number : XXXX - Amount Due : {$420.00} To Whom It May Concern, I am in receipt of your feedback to my complaint filed for the inaccurate collection account reporting for creditor XXXX  ( Account Number : XXXX ) on my credit report. I demand an immediate explanation of the permissible purpose under the Fair Credit Reporting Act ( FCRA ) that allows Eastern Account System to report this collection. 

It is critical for collection agencies to adhere to strict regulations regarding the accuracy and legality of the information being reported to credit bureaus. You have an obligation to not only ensure that your reporting is accurate but also to confirm that you possess a legitimate permissible purpose for accessing and reporting my credit information. 

As of this moment, I have not received any documented evidence or communication that substantiates your right to report this account. Until you provide that information, I am demanding the immediate removal of this collection account from my credit report. 

As a result of these violations, I am entitled to seek damage as specified under the FCRA. Therefore, I hereby demand compensation of {$1000.00} for each violation committed. This claim is made in accordance with 15 U.S.C. 1681n, which allows consumers to seek statutory damages for willful noncompliance with the FCRA. 

I expect a prompt and thorough response to this serious matter. Your lack of action concerning the legalities of your reporting will not be overlooked. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (SC)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to XXXX XXXX XXXX XXXX ( XXXX ) Debt XXXX are legally obligated to adhere to XXXX XXXX XXXX XXXX ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to notify you that I am a victim of identity theft due to a recent data breach. As a result, I have identified fraudulent accounts and inquiries that have appeared on my credit report without my authorization. 
Pursuant to XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ), I request that you block and delete the following accounts and inquiries from my credit file immediately : Fraudulent Accounts 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 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX