davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (MN)

Citi XXXX yes or no did you have Relation with XXXXXXXX XXXX XXXX? Regarding the account listed above? They said you did and you said you did! See file For Additional information in your own words But they were unable to send me documentation to prove to me that had became owners of the accounts I want to also make your Institution fully aware since you were the original creditor you have violated the FDCPA by such actions as notify the credit bureaus! Failure to do so does and perhaps meet the criteria for deletion and I quote respectfully! The law is very clear. I will also need a copy of your contract between you and XXXX also a purchase agreement with a canceled check from XXXX as to How much the debt went for. Also all information that you forward to XXXX Regarding this account Citi I give you 24hrs from the time you receive and finish reading this complaint I asked that you delete this account from my credit file. If you try to go back and add the information that was required of you you will suffer the consequences and I guarantee you the law is very clear in your bank has been around for many many years and you know the rules the loss that you must follow! Respectfully there will be no more
Consumer complaint received 2020-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (TX)

Two accounts from the XXXX on XXXX were placed on my credit report. One account that stated I owed was verified to be inaccurate and promptly removed from my credit report. Rent Recovery was notified that there was a mistake in the accounts and that it should be removed as well. They refuse to do so. I have been contacting them for the past 2 years to no avail. I am told that it is in dispute and will not show up on my credit reports, yet it does. This is clearly a violation of the FDCPA which states that correct information should be updated in a timely manner. I need this account deleted from my credit report asap as I have waited for 2 years now and my account representative, XXXX XXXX, keeps placing me on hold or sending me to voicemail.
Consumer complaint received 2020-07-20
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (PA)

Closed on selling my home XX/XX/2020. 

Mortgage held by Flagstar Bank Insurance premium was sent from my bank back to Flagstar, {$620.00} on XX/XX/XXXX They have yet to return it to me on XX/XX/XXXX XXXX
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Navient Solutions, LLC. (GA)

I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-08-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

On XX/XX/XXXX, I sold a significant amount of stock through the XXXX ( XXXX XXXX ) platform. As a U.S. citizen residing in XXXX, the funds were supposed to be transferred to my U.S. Dollar account in XXXX. However, three weeks have passed, and I have not received the wire transfer. 

XXXX has informed me that they escalated the issue to HSBC, as they are the intermediary bank involved in the transfer. However, every day when I inquire about the status, I receive the same response : that they are waiting for a response from HSBC. Despite my requests, XXXX has not been able to provide me with direct contact information for HSBC, preventing me from seeking updates directly. 

This is not the first time I have sold shares on this platform ; previous transactions have successfully deposited funds into my XXXX account. I have not changed any of my banking information, so an error in the details provided for the wire transfer can be ruled out. 

As an independent contractor, I need to make my tax installment payments in XXXX, which includes paying the income tax resulting from the vesting of these XXXXs. This payment is due in the coming days, and if I fail to make it, I will incur penalties with the CRA in XXXX. 

I have repeatedly asked XXXX for documentation related to the investigation to provide evidence to the CRA explaining why I may not be able to meet the installment payment. However, XXXX has told me that they can only provide documents available through my account, such as a statement showing the stock sale, and can not provide any additional documentation. I have been in daily communication with XXXX for approximately two weeks, but have not received any meaningful updates or resolution.
Consumer complaint received 2020-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CO)

In XX/XX/2020, I open a dispute ( XXXX ) regarding a purchase which I was overcharged due to insurance being added to my rental without my authorization. The citi FAILED to do a investigation within the fair credit and billing act. They automatically closed my dispute without a proper investigation and sided with the merchant.
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent multiple letters to this company trying to verify an alleged debt. They have failed to respond to me in all attempts. They are reporting debt on my credit that I have no knowledge of. This is why I'm trying to verify this debt with the company.
Consumer complaint received 2018-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

I have been going in loan repayment for five years. The total in federal loans I took out totaled {$7000.00}.

In the past two years alone I paid more than {$2000.00} in student loan interest alone. The loan balance was still more than {$7000.00} even after I have been making excess payments. My husband had the same loan, the same repayment schedule and paid significantly less than my interest. Because the interest is regulated by the federal rate seemingly the loans should have been identical. It was not. The only difference was I had a loan through Navient and he had a loan through XXXX.

Consumers beware they are mismanaging the interest accumulation on our loans. Thankfully I was able to refinance the loans and we will no longer be working with navient.
Consumer complaint received 2024-08-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NAVY FEDERAL CREDIT UNION (TX)

My financial hardship started in XX/XX/XXXX when I losted my full-time job. Reduction in hours with my second job ( XXXX ). In addition Reduction in XXXX award amounts which affected me financially. I was look forward to filing my XXXX XXXX XXXX to receive disappointing news that my tax return was being garnished. Each financial situation I was faced with I made sure to contact my Financial Institution to make them aware. It's very unfortunate the outcome wasn't pleasant it was more demeaning. Navy Federal has helped me prior however the resolution I was provided wasn't achievable because I was bad to where I started. No type of options where provided. I also have a credit card with Navy. The representative did not take into account include that account. My account ended being closed out. I contacted Navy trying to get it resolved. What I've come to realize with Navy there's no type of accountability. It falls back onto the member. Which is very unfortunate. I've asked would they be interested in deferring my past due payments, lowering my interest rate which would than reduce my monthly payments. I was denied. My main goal is trying to prevent my vehicle from being repossessed and my credit card from being charged off. I feel since I've experienced a hardship and haven't been able to get back on track the same type of service I was receiving when I had excellent credit has changed drastically. I've written to their Corporate office. I haven't received a called. I was just recently told by a supervisor that if Navy complied with my requests it would affect there Truth in Lending Laws. I was mind blown. I though I mattered. I took it personally.
Consumer complaint received 2020-07-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (NM)

As of XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Texas and XXXX XXXX both indicated that all three credit bureaus were notified that the {$500.00} debt that they had attributed to me was in error. While XXXX XXXX had no problem removing the error, and XXXX  had never attributed it to me, Equifax has continuously refused to remove it. I sent Equifax a letter on XX/XX/2020 asking them to remove the error and enclosed copies of the letters from both XXXX and the XXXX XXXX XXXX XXXX Texas which clearly indicated that the debt is not mine. On XX/XX/2020 they sent me a letter stating that they had researched the debt and that it was being reported correctly as a Paid Charge Off with a XXXX  balance. This is simply not the case but they have refused to delete the debt as the correspondence from XXXX and the XXXX XXXX XXXX of Texas indicated.
Consumer complaint received 2024-09-03
Product: Credit reporting 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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Reporting credit agency XXXX XXXX score is too low compared to XXXX and XXXX. XXXX reports a score of XXXX while XXXX and XXXX report an average of XXXX. XXXX is miscalculating my score otherwise their XXXX would be much closer to XXXX. I have asked them to confirm and they have refused. I want them to issue the correct score and not punish me.
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

On XX/XX/XXXX. I finished paying off my car loan loan to XXXX XXXX XXXX. After I received the paid in full letter and the title for the vehicle. XXXX XXXX XXXX continued to call me demanding additional money. After I paid my car loan off in full. The amount representative from XXXX XXXX XXXX demanded was {$1400.00}. When I refused XXXX XXXX XXXX started to put false information on my credit report. They stated that the {$1400.00} was a " charge off ''. On or about XX/XX/XXXX. I notified the State Of New York XXXX Of The Attorney General, file # XXXX to step in. An help resolve the matter. After a brief investigation XXXX XXXX XXXX admitted that I showed proof of payment. However they refused to stop falsely reporting too all three credit reporting agencies. XXXX XXXX XXXX has severally damaged my credit for the past three years and still continues too do so. They attempted to extort me of funds and have damaged my reputation. They have caused me great lose and the ability to purchase a new home, etc.
Consumer complaint received 2018-04-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (SC)

I took out an installment loan with CashNetUSA ( CNU Online Holdings, LLC ) for {$1200.00}. The interest rate is exorbitant and predatory at 276.23 %. 

To date, I have made 9 payments for {$140.00} each totaling {$1200.00}. I have another payment due on XX/XX/XXXX which will make the total paid {$1400.00}. I will at that time have paid back the {$1200.00} plus {$170.00} in interest which is 14 % of the loan cost. This is a typical credit interest rate unlike the horrific 276.23 %. If I am forced to make all 27 payments, I will end up paying {$3800.00} to include {$1200.00} loan amount and {$2500.00} in interest. This is more than double to loan amount. 

I am requesting that the XX/XX/XXXX payment of {$140.00} be the final payment and my account then be marked closed and paid in full. 276.23 % should not be legal and is certainly predatory.
Consumer complaint received 2021-06-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2020-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (GA)

Enhanced recovery co {$470.00} debt, which only reports to XXXX   that they are trying to collect which is not mine. I have wrote and disputed with this company and they seem to ignore me.I have received no answers. The company can not provide any contract that I have signed with them.
Consumer complaint received 2020-07-19
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-07-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OK)

I got an app on XXXX XXXX  called XXXX on XX/XX/20. XXXX  disputes ( in my behalf ) unnecessary charges from your bank {$850.00} with Chase bank in one year. XXXX  filed reversals thru my bank of bills that were paid this month {$340.00} roughly. I've tried to get thru to Chase '' s dispute dept to no avail. Waited on hold 2 hrs got hung up on ( one occasion ) I've tried to get thru many times. My credit score dropped 41 pts in 24 hours. Please help idk what to do.I have gotten threatening phone calls and texts from XXXX. XXXX
Consumer complaint received 2020-07-18
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. (TX)

Year 2020 on XX/XX/XXXX, XX/XX/XXXX, and XXXX I filed a dispute with Equifax and XXXX  for XXXX XXXX XXXX  and XXXX and it keeps coming back verified within 7-10 days. 

I requested on XX/XX/2020 a method of verification from both Bureaus for each item, I attached the past disputes, as well as the supporting documents from those creditors ; on XX/XX/2020 if was returned as verified from XXXX  and XX/XX/2020 it was returned as verified from Equifax. When it returned as verified it did not explain how with the method of verification that the creditor is providing the bureau. 

XXXX XXXX XXXX  is reporting inaccurate information on my credit file and I have provided both Equifax and XXXX  with letters directly from the creditors showing that the information that is being reported is inaccurate. 

XXXX no longer holds this credit file and it is now being managed by XXXX . I have provided both Equifax and XXXX  with documentation directly from the creditor. I have spoken with XXXX and they have advised me that they no longer have the account and they told me to contact XXXX . 

I have repeatedly over the past 2.5 months gone back and forth with these bureaus regarding this matter. I have requested a method of verification from Equifax and XXXX. They have both been unable to provide me with this information and is still reporting the 2 items on my credit report. The method of verification has not been provided at all. It is my understanding no investigation is being done and my documents are being ignored despite them showing and saying the documents and dispute have been received. The following 2 items XXXX XXXX XXXX  and XXXX need to be deleted immediately from Equifax and XXXX  due to it being inaccurate.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

Theres an account on my credit report called XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I please want to delete this account of my credit report because the credit bureaus are saying the amount of payments and late payments are not properly reported. They keep updating the payments and when they were made. The information isn't accurate and I believe that my credit is being wrongly impacted due to errors with this particular. I have called XXXX XXXX to try getting more information about what is going on with this account. I'm going to upload a Massachusetts ID card and Social Security to verify my identity to help get this deleted from my credit reports.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

Theres an account on my Experian called XXXX XXXX XXXX XXXX  Acount # : XXXX for a balance of {$2000.00} with the original balance being {$2100.00} as said by Experian on my credit profile. This account is a problem account because Experian doesnt give me the option to dispute. This is not my account and should be deleted off my credit as soon as possible. Im going to upload a Massachusetts ID card and a Social Security card to help verify my identity. Please delete this account from my credit report because this should be there.
Consumer complaint received 2020-07-18
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. (CA)

Mr. XXXX XXXX SSN # : XXXX To Whom It May Concern : Hi I have been customer since XX/XX/XXXX and during this time I have enjoyed my experience with XXXX XXXX. I am writing to see if you would be willing to make a GOODWILL adjustment to your reporting to the three credit agencies. I have a late payment on the above referenced account from XXXX of XXXX. Because of my previous payment history never exceeding 30 days I would REALLY like for you to consider removing the negative payment from my credit report. At the time of the late payment, I scheduled a payment of {$210.00} and at that point something happened on the back end system that did not allow my payment to fully process. IT WAS COMPLETELY OUT OF MY CONTROL. I say that to show that the late payment is not an accurate indicator of my actual credit worthiness. I hope that you are willing to work with me on erasing this mark from my credit reports. It it greatly affecting me and my new family from getting a car and getting accepted to a new apartment. Three dealers and 2 landlords have already denied me for having a late payment within this calendar year. 
I have been a very happy customer in the past and hope to continue a long relationship with XXXX. With todays credit industry being so competitive, I know how important it is to maintain good relationships with customers. You guys has been exceptional in my book so far and I hope that you will deeply consider my request!!! I have attached a screen shot of my scheduled payment and an attachment of my bank statement for that month showing the something went wrong and my payment was never taken out. The bank account came back unable to locate but my bank statement for that month prove otherwise. 
Sincerely, XXXX XXXX