davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (LA)

I was reviewing my credit card statements for my Best Buy Credit XXXX through CitiBank and I noticed a fee that they were calling a debt protection  fee. I went as far back as i could on the available statements which was XXXX of XXXX and noticed the fee was there. I do not recall ever agreeing to this service or signing up for it. If so I was misinformed of the product. The amount ranged from {$16.00} to {$19.00} each month as far back as the previously mentioned date above. I looked at the overall amounts charged in fees and here is what i found per year : XXXX - {$430.00} ( I had late fees in this so the fees for the service were likely around {$270.00} XXXX - {$280.00} XXXX to date - {$150.00} I checked the internet and saw that CitiBank had been recognized as committing unfair acts and I feel that I was one of those they misrepresented information too and taken advantage of. 

I feel like a fool for not keeping track of my statements and looking over them each month.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (MA)

On XXXX/XXXX/XXXX, I opted to enroll in the TrustedID Premier identity protection service offered by Equifax in response to the Equifax data breach announced in XXXX XXXX. As of today, XXXX/XXXX/XXXX, the service is not accessible, as the TrustedID Web site is not functional. That is, when I click on the link in the TrustedID Premier product activation email received from Equifax, it returns an error message stating the site can not be reached. The same thing happens when I try to access the TrustedID Web site directly via an Internet browser. ( This is not a browser problem, as the browser accesses any other Web site I attempt to access. ) Equifax has not addressed the complaints on this issue that Ive sent them directly by email. Further, there is no message or status update to consumers regarding the issue on the company Web site. To sum up, Equifax is failing to provide a service as advertised : A service essential to helping consumers protect themselves against the potential fallout of the companys failure to protect consumers sensitive personal information in the first place.
Consumer complaint received 2017-09-21
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. (FL)

There is a delinquent payment posted to my credit report for my XXXX account ; however, this was the fault internally of XXXX when they transferred out of XXXX XXXX. I was in income sensitive forbearance when this transfer occurred. I moved to Florida to pursue work with my BA Degree, which I had not obtained up to XXXX. I had submitted the proper forms for deferment. I was in a major car accident where I had to go through XXXX in XXXX. I never received any type of correspondence from XXXX regarding the status of my forbearance. I then started to look into going back to school to obtain my Masters Degree. I was accepted in late XXXX. It was not until I looked at my credit report that I noticed there was a delinquent payment noted on my XXXX account. From when XXXX XXXX was the servicer back in XXXX XXXX. This was when I was still in XXXX and determined to be XXXX XXXX XXXX from being XXXX by a XXXX XXXX, and I lost my job due to this injury that was not my fault, and I have hundreds of supporting documents from the lawsuits. I never received written or email notification like I do from XXXX XXXX XXXX, and my current XXXX  Loans. I was in injury and jobless forbearance in XXXX, and then I went direct into my MBA degree in XXXX. Also, it is only 1 payment marked as late, and it is marked as 120-149 Days late under worst payment status. under Times 30/60/90 days late XXXX appears. How can I not have marks under 30, 60 days late and a huge hit on 120-149 when I was entering school, in rehabilitation for injury, and in forbearances with my other loans. I filed all the correct paperwork out. This is the fault of XXXX and their mishandling of digital and physical paper files, and not sending out proper communications. Also, this hit is the only derogatory mark on my credit and it is making it so I can not even rent my own apartment or condo. This mark is unfair. I have already disputed it twice, and there is a mark consumer disagrees and previous dispute on my credit report in which my broker stated I would not be able to get a mortgage until that is removed, and XXXX Refuses to remove it. They hang up on me every time I try to talk to them about this.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

please take note that I continue to unequivocally dispute the remaining items that have yet to be deleted. 

These accounts are inaccurate and incomplete. They are having a MAJOR NEGATIVE IMPACT on me being able obtain credit right now and that is not acceptable.

As provided for under the Fair Credit Reporting Act ( " FCRA '' ), consider this letter my request that you reinvestigate the following accounts and delete them from my credit report.

Creditor has failed to comply with 15 U.S. Code 1681 is part of the Fair Credit Reporting Act ( FCRA ) to the reporting agencies. Failure to provide fair and accurate credit reporting to the efficiency of the banking system and public confidence. The FCRA aims to ensure that consumer reporting agencies adopt reasonable procedures to meet the needs of commerce while being fair and equitable to consumers, particularly regarding the confidentiality, accuracy, relevancy, and proper use of consumer information. 


XXXXXXXX XXXX XXXXXXXX : XXXX The balance reported is incorrect
Consumer complaint received 2017-09-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TCF NATIONAL BANK (CO)

On the night of XX/XX/XXXX while I was vacationing in XXXX I became a victim of Hackers using my business checking account making unauthorized purchases while I was receiving phone calls from TCF Bank representative making me aware of this fraudulent purchases, I attempted numerous times to call them back at the number provided XXXX extension XXXX without any response and it was until the next day when I was able to communicate with a representative who immediately said it will cancel my debit card these Hackers were apparently using, at the time they asked me if I lost my card and I responded that I wasnt sure but that I did not have the card with me but it was in my home in XXXX Colorado. I was vacationing in XXXX from XX/XX/XXXX thru XX/XX/XXXX, so I was told and investigation was been in place and that I should receive a response from someone from my bank, all of the sudden no one ever contacted me and I received my 1st notice dated XX/XX/XXXX stating that based on the microchip technology they believe this transactions were authorized because whoever filed the complaint over the phone stated that I had the debit card in my possession which was wrong so I went back to the bank and reenter another claim on XX/XX/XXXX and then again I was told someone will be in touch with me since no one at the bank would be able to help me, until now no one ever call me in the phone and so then I  received my second notice stating the same exact response from the first notice and I went back to the branch and the representative called some number where he was told to tell me to write a letter as I fully disagree with their decision they were taking for the simple reason that they are not making any investigation because every time I use my debit card with or without a microchip I either have to insert my PIN or sign as credit and because I do not have any details of this fraudulent purchases nor I have received any new debit card they said they will send me, By this means, I do ask the Bank to perform a deep investigation and if they believe I made those transactions to proof to me and to give me full details of every transaction that was made fraudulently and that someone communicates with me or if they believe I made those transaction to proof with my signature or PIN with date and time of every transaction until this case is fully clear, the same happens with other business account I have with XXXX XXXX who immediately filed and investigation and reimbursed all of my money from an unauthorized purchases. Thank you very much for your attention in this matter as I expect to clear this matter by receiving full reimbursement of all the fraudulent transactions in the amount of {$2200.00} should you need any further information please call me direct line XXXX to answer any question you may have, thanks Sincerely ; XXXX XXXX
Consumer complaint received 2017-09-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (FL)

Navient is an awful, deceiving, rip-off, worst customer service company. 
they have me paying 12 % interest and will not refinance.
In addition, I have submitted 4 applications to remove co-signer and refuse to process application, being returned to me saying something or other is missing. Their customer service is incompetent and not able to resolve my request
Consumer complaint received 2017-09-21
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 — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

In XXXX of XXXX I moved out of the state of Michigan. I was unaware that anything that my bank account at XXXX XXXX went negative. I had stopped using it when i moved. in XXXX i attempted to open a joint account with my teenage son at XXXX XXXX XXXX and was declined because a chexsystem report. I contacted chexsystem and discovered it was from XXXX XXXX. I contacted XXXX XXXX branch in which i had the account. They said the account was charged off, and i could not pay it off ( {$39.00} and some change ) I asked how i could have this removed, the representative at the time told me to dispute it with chexsystem. I did. The dispute showed i was responsible, which i never actually disagreed with. I just wanted to pay it. I finally contacted a corporate office, who gave me the ODP department. They told me to pay the balance, and it would be removed. they also told me to include a letter stating i wanted a copy of the letter of it being paid for my records. When i recieved that letter XXXX/XXXX/XXXX It was titled Paid in full letter. and stated that i had paid my balance and closed my account with XXXX XXXX, however, it would remain on chex system. This is unfair. I paid my balance. This remark should be removed. It is keeping me from opening accounts for my children and improving my financial future. I paid my debt. They need to remove the remark from my record, this could even keep me from advancing in my job as i work for XXXX XXXX XXXX. This is all under my maiden name of XXXX XXXX.
Consumer complaint received 2017-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I received a letter from XXXX stating that my loans were being transferred to FedLoan Servicing because I qualified for PSLF. On XXXX XXXX I received a letter from FedLoan stating that my previous employment had been approved and that I was in a qualifying repayment plan. I was told they would track how many remaining payments I had to satisfy the 120 payments needed for forgiveness. After my account continuously said 0 qualifying payments, I contacted FedLoans to inquire. The customer service representative stated that I had made several late payments outside of the 15 day grace period. I told her this was inaccurate because I had always been on automatic deductions since I started repayment of my federal loans. I was told in XXXX XXXX that it would take 90 days for the information from XXXX to be in their system. After speaking with them on XXXX XXXX, XXXX I was told that they would have to re review it and it would be another 60 days. The customer service rep said that she was not qualified to review my file. This contradicts what I was told in XXXX XXXX when I was told that everything was approved.
Consumer complaint received 2017-09-20
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. (CA)

Due Date : XXXX of every month Payment Received : XXXX/XXXX/XXXX - {$73.00} XXXX/XXXX/XXXX - {$52.00} XXXX/XXXX/XXXX - Late Payment of {$15.00} assessed, reduced to {$8.00} XXXX/XXXX/XXXX - Contacted NAVIENT regarding late fee advised late fee was for month of XXXX and XXXX XXXX but could not provide clear amounts. I requested a statement showing that this outstanding balance was for late payment in XXXX and have not received anything and was told they do not need to show proof that this was for a late payment, no late payment is listed on the statement, instead the {$8.00} amount is listed under " other fees '' however on my online account shows " late fee assessed ''. The {$15.00}?? amount is not listed anywhere. The representative could not even provide me the correct amount of the late payment. 

XXXX/XXXX/XXXX - Late Payment listed on the account and advised by NAVIENT that if I feel I must complain they do not need to show proof or a breakdown or any notice of what fees are for. I was next told I probably " missed '' it on my account when I had automatic payments set up. Supervisor told me, " If it makes you feel better go and file a complaint we are not providing documentation showing the " other fees '' as late fees nor will we provide documentation with a breakdown showing the amounts of the late fees and what months they were for. Says " late fee '' was assessed by XXXX but could not show proof. 

Also now that they " waived '' part of the {$15.00} I have nothing to connect it with and no idea where they got this amount from. Late fees should not be assessed by a prior Loan Servicer 4 years after the fact. Makes no sense.
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (IL)

FROM XXXX XXXX > XXXX : 2 HARD CREDIT CHECKS I DID NOT AUTHORIZE FORM BANKS I DONT USE! 

XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2024-09-05
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. (CA)

For few months now I have reached out to the bureaus and to the mortgage company for the XXXX time XXXX day late on my closed mortgage account, the company has responded but it feels like its general standard letter they send to anybody who has any questions or concerns. I was under induced medical comma in the hospital, that is why my payment didn't go through by the time I realized it it was too late. I have XXXX debt, I have never had any late payments on any of my mortgage accounts you can see that on my credit report. I kindly ask you to remove the XXXX time XXXX day late from XXXX of XXXX. Please as a good faith, as XXXX time curtesy please remove the XXXX time XXXX day late, again this would have never happened if I was not in a comma. Thank you
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My complaint is the consumer agencies are reporting to the credit Bureau ( TransUnion, XXXX  and XXXX ), my personal information from my consumer file, and public records showing a Banruptcy Chapter XXXX # XXXX, i want removed. that causing problems for me and my job. Under the Fair Credit Reporting Act it is unlawful and not in compliance.
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (TN)

I recently learned from my Equifax credit report that all of my former employers have been deleted from my history. 

My first employer from XXXX was XXXX XXXX. 
2nd employer XXXX -XXXX XXXX XXXX. 
3rd employer XXXX XXXX. 
4th employer XXXX XXXX XXXX XXXX XXXX XXXX. 

The Social Security Admistration have my history in their data base and have written a for me to be able to get XXXX. 

I am deprived of health care insurance due to theft of my identity. You recently updated my name to XXXX XXXX XXXX. I 've been told by the FBI to pull my transcripts from IRS showing my wages from my employer. Please advise if you need copies.
Consumer complaint received 2017-09-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am sick and tired of this company sending repeated letters about a debt I dont owe to them. I have requested they stop contacting me and yet they keep sending me information stating its in response to my dispute ... I HAVE NOT FILED A DISPUTE WITH THESE PEOPLE! EVERY WEEK THEY ARE SENDING ME LETTERS AND IM TIRED OF IT!
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2016-01-24
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: ZestFinance (TX)

Zest cash has continually debited my account on a weekly basis for various amounts. Despite the original amount not being held with sufficient funds. Each attempt incurred a XXXX dollar ACH fee with XXXX XXXX. Should the initial debit fail several others will take place.I have also noted that the website does not offer the ability to check your account or even offer to take a loan out in my state of Texas
Consumer complaint received 2016-09-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Strategies, Inc (UT)

This company has furnished false information to the credit reporting agencies ( CRAs ). They CRAs are showing that I opened an account with this company on XXXX XXXX, 2012. I have never opened an account with this company.
Consumer complaint received 2016-12-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (OH)

I am on a student loan deferral from the XXXX granted by my XXXX contract. I have submitted the annual forbearance form every year since eligibility began in XX/XX/2013. My paperwork was late in XXXX - XXXX due to administrative failures at my unit of assignment during XXXX I confirmed with the servicer, FedLoan Servicing, that my deferral was backdated and my account credited, however, my XXXX trade lines had already been reported by the time the error was corrected since I was already 90 days past due. I have filed XXXX disputes since I originally discovered the issue, with the most recent dispute results arriving this morning. Today I spoke with Employee ID XXXX at FedLoan Servicing -- she was very helpful. FedLoan Servicing is refusing to fix the XXXX past due report, although they have backdated the deferral and any monetary penalties. The last time I spoke with a representative at FedLoan Servicing, I was told that I do not have to worry about my unit processing my paperwork after the deadline because the deferral would be backdated appropriately. This is not what happened, and as I am applying for mortgages to purchase my XXXX house, I have XXXX trade lines with XXXX past due records as XXXX of XXXX negative trade lines -- the other is a tax lien from the City of XXXX, NY for parking tickets I 'd failed to pay several years ago. FedLoan Servicing 's inability to enact sensible procedures is unjustly affecting my ability to lend at a rate commensurate with my riskiness as a consumer. 

The XXXX negative trade lines also affect my ability to acquire credit where automated credit decision engines are used to summarily decline applicants with a certain number of XXXX delinquencies -- a common practice in consumer lending, as these individuals tend to be exceedingly risky in today 's credit climate.