davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-02
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: EQUIFAX, INC. (VA)

This company is reporting a late payment for XX/XX/2023 but this account has never been late for the life of the loan. Its simply rude representatives that do not care anything about the consumer or trying to resolve an issue that is of no fault of the consumer. This company responded to a complaint but omitted key information. The company failed to disclose that each time I called them I explained to them that I mailed in the first letter in the appropriate amount of time and was repeatedly told by the representatives that there was nothing they could do to help me and that I just needed to make regular payments. I kept calling. I did not just decline as they put in their response. That doesnt make any sense why someone would continue to call just to decline to pay. I explained that I was on military training in an XXXX XXXX and could not receive phone calls or mail from XXXX XX/XX/2023 to XXXX XX/XX/2023. This company is lying by leaving out so many important facts. I gave them proof that I was on military duty and the representatives laughed at my situation over the phone. I could only use the phone a few times. I sent that paperwork through the mail and whoever accepts the mail for the company did not get it to the right place. The included apology is just another slap in the face. Im never buying another XXXX after this. A horrible way to treat military when I called repeatedly telling you I could not accept phone calls or receive mail and that I needed to handle the situation while I was on the phone calling YOU. I have provided proof that I was on military duty. This company is reporting this situation inaccurately. This is in violation of 15USC code 1666b. The company is also violating 15 USC code 1681i ( 5 ) by reporting inaccurate information. They keep saying that they did not receive a form back however I have repeatedly called and told them that I mailed the form in as instructed on the form. They can not provide any proof that they did not receive the form that I sent in. The requirement to provide proof is on the company and they have not done that. They just want to take advantage of a military member that had no way of contacting them except sporadically due to training. They are even misspelling my name in the responses, continuing with what seems to be the standard of reporting inaccurate information.
Consumer complaint received 2019-07-12
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: Experian Information Solutions Inc. (NC)

XXXX emailed my bill to me in XXXX and I did not know they were not mailing my bill. When I realized it, it was too late. Im XXXX years old and I have never ever had a negative mark on my credit. Ever! I have completely paid XXXX off and I will never use that card again. I have always been diligent about paying my bills on time and I refuse to accept this ONE negative mark in my credit. Look at my history, I have never been late on anything. If you guys cant work with someone with my excellent credit history, why do people like us bother to try and be perfect with our bills?
Consumer complaint received 2020-09-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (OH)

A private number called me, and my ex-wife 's phone which hasn't been my number in 19 years, and left the following message : " Hello my name is XXXX XXXX bonded dispatch or operator number XXXX with the County Courier service office. Our office has been retained to deliver legal documentation to your property address. This is regarding a pending complaint being ordered and summons against a. If no contact is established today our field agents will be dispatch out to your property address and place of employment on record. It is very urgent that XXXX does contact the issuing firm today at XXXX and when calling refer to complaint case number XXXX. If no contact and samples with the issuing firm today will result as an order of non-compliance and after that it's my final attempt for delivery of the documents will be filed and recorded as a failed action to serve. Once again the phone number is XXXX. '' When I called back I got a XXXX XXXX who used more pseudo legal language and threatened to sue for an alleged debt from 2010. He threatened to go to my employer and file with the court if I didn't settle on the phone.
Consumer complaint received 2020-09-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (MO)

I contacted NCS to have them delete an account that did not belong to me. NCS and I agreed to delete the account if I paid the full amount. NCS also agreed to send a letter stating that the letter was paid in full to delete. The letter I received in the mail only stated that it was paid and full and did not have the language that it would be deleted. I recorded the conversation and if you listen to the last 30 seconds of the phone conversation the representative agreed to have that language written in my letter. I am requesting that NCS adds this language to my letter as well as remove this item from my credit report. They violated 15 USC 1692e by making a false and/or misleading statement.
Consumer complaint received 2018-01-17
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. (NY)

I am writing you because one or both of these items showed up on my credit report and they do not belong to me and are fraud and would like them removed at once. This has been an ongoing problem as I am a victim of identity thieft so please remove these items because they do not belong to me. I have attached lastest police reports to support. 

XXXX XXXX XXXX XXXX XXXX {$1400.00} is fraudulent and does not belong to me please remove. 
Company is called XXXX XXXX XXXX XXXX XXXX amount claimed owed {$1300.00} this is also fraudulent and does not belong to me please remove. 
XXXX XXXX XXXX and they claim I owe {$1700.00} this account is also fraud and does not belong to me please remove.
Consumer complaint received 2020-08-16
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. (NY)

I previously sent toTransunion and XXXX  documentation that I have been a victim of identity theft, please see attached FTC report and required Identification again for this second request
Consumer complaint received 2020-09-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

Amerisave Mortgage Corporation charged me a {$500.00} application fee on XX/XX/XXXX to process my refinance application. Started the loan process with loan originator XXXX XXXX. 
Was sent disclosures including Loan Estimate which I was told was the 'worst case scenario ', that rate would not go up though not yet locked, and it would close in 45 days at the most, with no appraisal required. Provided all requested documents. 
XX/XX/XXXX told loan conditionally approved, asked to send insurance documentation for both HOA umbrella policy, and my condo policy to reflect Amerisave as the lender and to include their loan number. XXXX XXXX leaves a voicemail saying everything looks good, we'll be closing in less than 2 weeks. XX/XX/XXXX loan processor XXXX XXXX emails me that nothing else is needed from me at this time. By XX/XX/XXXX I have not gotten status from XXXX or XXXX, though it now shows on my loan status page that rate lock expires XXXX ( I was never notified when it was locked ), and must close by XX/XX/XXXX to avoid an extension. 
I have given them everything they've asked for, and when I ask if anything else is needed, no reply. I leave urgent messages to speak to manager, which are ignored until I say I'm going to file a complaint with the XXXX. XX/XX/XXXX manager XXXX XXXX calls me and assures me he's going to help. He tells me there's a problem with my year to date income, coming in below what is normal for my stated annual income. I explain that I was on furlough due to Covid for 3 months, but have now been back for 3 months and will make stated income ( even during furlough I made the income due to Unemployment Insurance ). Today I got a no reply automated email from Amerisave saying they have closed my file due to it being incomplete and they are denying the loan. I believe this is a scam to not honor the loan rate that they committed to. The email has a link that will supposedly download a document with details on why I was turned down. When I click on it I get a message saying I must log in, but when I do, link not available just a statement that " You are all caught up '. I have been lied to and given the run around for almost 2 months. I want them to honor what they said when they constantly told me the loan was going to close soon. I could have pursued a mortgage with another company, so at this point I have been placed in a difficult position due to their dishonest business practices.
Consumer complaint received 2020-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

On or around XX/XX/20 I was the victim of identity theft and Citibank wire fraud. Online access to my checking and savings account was frozen however the bank did not make every effort to notify me either my email, text or phone numbers associated with my account. Aside from a large amount of money withdrawn via wire transfer, there were also multiple ATM withdrawals and debit purchases by the perpetrator. 
I made numerous calls to Citibank supervisors and went into my local branch over the ensuing weeks ( most recently on XX/XX/20 ) to try to resolve this issue and its now nearly 2 months later and the issue has still not been rectified. My account is still frozen, I reach out to supervisors and do not get responses or follow up.
Consumer complaint received 2018-01-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (GA)

I worked for Wells Fargo for about 2 yrs. In that time, I took out a loan and made my payments. Once I left the company due to the companys unethical behavior, and out laddish sales goals. I counited to make my payments which where automated by the company to come to be taken out of my account. The company then waiting 5 months to inform me that my payments werent being taken out. I set my automated payments once again and was back on track with payments via the company. A few months pass and again I get a call from the company stating I am behind and my payments have not been taken out. At this point more, money and fees had been taken out. I would like this removed and off my credit. Wells Fargo has taken advantage of its customers and I should not be penalize for unethical behavior. 

Thank you, XXXX XXXX
Consumer complaint received 2020-09-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (WI)

Aargon Collection Agency did knowingly, willingly and intentionally harm my credit report by listing a collection to at least all three major credit bureaus for a hospital bill that they are in full knowledge of is in dispute due to medical malpractice. 

The hospital bill they have intentionally and maliciously posted to my credit bureau was for an ER visit where I was immediately sent home only to have 2 XXXX XXXX and a XXXX within 24 hours and taken to another hospital for proper treatment. 

Aargon was notified of this through disputes through the credit bureau and through two eMails directly through their website. They have intentionally ignored all of these and continued, with malice, to destroy my credit file despite these known facts. 

A lawsuit is currently being drafted against Aargon for these issues, in the meantime - I feel a federal indictment of them is warranted. This is intentional, malicious and against the law.
Consumer complaint received 2018-01-17
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. (MN)

I have sent letters in XXXX & XXXX about Experian reinvestigating each hard inquiry on my credit report. I have not received any response to this matter in the mail. I have had identity theft in the past and Experian has the police report and identity theft report on file. My SSN number, multiple credit cards and more were taken at that time. I had 3 burglaries between 3 years XX/XX/XXXX-XX/XX/XXXX. Multiple hard inquiries on my report I did not make and have no permissible purpose to have them reporting.
Consumer complaint received 2018-01-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M.A.R.S., Inc. (HI)

A collection account was established on XXXX XXXX, 2011, for breaking a lease due to a military XXXX with proper XXXX indicating XXXX dates. The balance on the account has always been {$0.00}. XXXX XXXX XXXX told me that there is nothing they can do about it being a collection account on my credit history. This is also listed as derogatory on my credit history and I would like it removed.
Consumer complaint received 2020-09-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

This is a continuous problem from cfpb # XXXX dating back to XXXX. XXXX, XXXX. 
In XX/XX/XXXX I received an e-mail from XXXX XXXX that there was a change to my score. It stated that a CO ( charge off ) was placed on my score. Then on XXXX XXXX, XXXX my score changed again and placed the CO ( charge off ) back on with a negative -87 points. I need to know what is going on. My current lawyer XXXX XXXX, says he has not received anything from the collection agency nor XXXX  XXXX XXXX, nor have I received any information. XXXX  XXXX XXXX chose to put my account in " collection '' rather than taking me to court to prove my case. Do to me having a major XXXX I chose to offer XXXX the deed to my property to rectify this debt. I had to secure a senior living complex to live in at that time-last year. In trying to obtain this living arrangement XXXX took {$10000.00} from my account unknowing to me until later. To me this act was not " Just '' or " Fair '' do to the fact the debt was placed in " collection '', and my only funds is my pension with no Social Security payments because I do not qualify with only 31 credits. I would like for my lawyer or myself to find out if the deed offered was accepted or not. 
I pray that this problem is solved once and for all, I have suffered XXXX and a XXXX from this going back to the initial problem back in " XXXX '' with the loss of {$10000.00} and over the years paying two ( 2 ) lawyers.
Consumer complaint received 2020-09-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: FIRST REPUBLIC BANK (MA)

1. Applied for loan program for a personal loan on XX/XX/XXXX 2. Paperwork was submitted as requested by XX/XX/XXXX 3. Loan application was kept on hold for over a month 4. Loan application was denied indicating high debt to income using arbitrary non standard methods of calculating monthly payments.
Consumer complaint received 2020-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I reached out to Transunion on 4 occasions, I mailed them disputes on XX/XX/XXXX and XX/XX/XXXX, the dispute from XX/XX/XXXX did not have tracking which led me to send the dispute from XX/XX/XXXX via Certified Mail which shows it was received on XX/XX/XXXX. I called to speak with them again and 2 supervisors informed me that nothing had been received since XX/XX/XXXX. I provided them with tracking and she sees it was received but they have no information that it was received. I confirmed the address and they verified it is in fact correct. I asked for an alternate way to ensure it is received in the future and they had no other way besides mail.
Consumer complaint received 2020-09-23
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. (TX)

A transportation broker charged my credit card {$1200.00} when I tried to terminate their services because they were unable to locate a driver. Our contract indicated they were authorized to charge {$100.00} in the event they procured a driver to transport my automobile. On the same date that they charged my credit card, I contacted Citibank and indicated that they were not authorized to charge my card that amount. At that same time, I was never told that I needed to go through " Billing dispute '' versus the fraud department. 
Citibank stopped the payment and requested additional information from the vendor. Both the vendor and I submitted the contract which specifically stated that a {$100.00} charge would be payable by credit card and the balance would be due in CASH and paid directly to the driver. Even having the contract from both parties, Citibank still reversed the payment and has paid the company {$1200.00}. The company never procured a driver so they were not due anything, however, if I were to be liable for anything based on the contract the most that should have been processed on my credit card was the {$100.00} as stated in the contract. Citibank is now saying that they investigated fraud and if I had a dispute with the amount the information should have gone to their billing dispute department. I don't understand why they did not send it to billing dispute upon receipt of all documents. Now, I can not get anyone in billing disputes to handle because the " fraud '' department has the file locked. I don't know what any of this means, but Citibank has become as negligent as the vendor. I have called Citibank 11 times and submitted all documents and they still have not created a billing dispute nor helped me in any way. In the interim, this charge is now on my credit card and payment is expected or it will mess up my credit. Finally if anyone at Citibank took the time to read all of the documents, it would have been clear without doubt that this vendor was not due more than a {$100.00} feed and they allowed this vendor to steal {$1100.00} so they should be liable.
Consumer complaint received 2020-09-23
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: CITIBANK, N.A. (MA)

On XXXX 14,2020, my LLBean MasterCard on Citi Bank was declined for a local hardware store purchase. I phoned the customer service on the back of my credit card and was told the card was declined because I had missed a payment. I replied that I never saw a statement. It turned out that, on XXXX XXXX, 2020, someone ( s ) had enrolled me in " paperless online billing '' using all my personal data -- likely including SS number, credit card number and 3-digit number on the back, etc. -- to bypass any alerts that the card company may have used to alert me to the illicit charges to my account. My actual credit card was not stolen and I had only used it in that period for local, trusted services. To enroll my account in on-line paperless billing, the thieves created a phony profile of me that included phony phone number, email address, passwords, etc., so that, although MC attempted to call me to verify these unusual charges, there was never any answer at the phony number listed on my profile. I have talked at length with Citi LLBeanMC customer service and security ops at Citi Mastercard and determined that the bulk of the nearly {$10000.00} in charges were for purchases through XXXX out of XXXX XXXX. There were other charges as well ( they opened a XXXX account, several charges to XXXX.XXXX, XXXX in Arizona, etc. ). There were a total of 31 illicit charges to my MasterCard account totalling {$9500.00}. Citi Mastercard has been very helpful in resolving these charges, but I am reporting this incident to make others aware that this sort of crime is taking place. It makes sense that credit card companies put in place more two-factor authentication measures than what seemed to exist in this instance.
Consumer complaint received 2020-09-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I spoke to this company about my hardship due to Cov-19 that I had and they told me for my XXXX and XXXX payment I could do a deferment with them and if I need them to another because of the pandemic contact them back so I did do one for XXXX also. This was not suppose to effect me negative in any way. Now I am showing all late pays for XX/XX/2020 and XX/XX/2020 and now XX/XX/2020. They stated this should not hurt my credit now it has.
Consumer complaint received 2020-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (CA)

I have a promotional rate and not able to make payments right now due to COVID-19. Discover does not want to defer the XX/XX/2020 payment.
Consumer complaint received 2020-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see 30 late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.