davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-26
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (TX)

Initiated contact via written notification of billing errors on XXXX XXXX 2015. Citibank failed to acknowledge and to respond to our Fair Credit Billing act dispute letter. Certified letter was recieved by Citibank of XXXX XXXX, confirmed via recorded telephone line. Contacted citibank multiple times and failed to return call after asking to investigate verbally as well. Last correspondence was via phone on XX/XX/2015 and citibank account manager refused to investigate, escalate, or resolve issue.
Consumer complaint received 2016-02-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NY)

I want to thank you because the last complaint, I sent in regarding an account was corrected. Now I have XXXX accounts that are on my report that are reporting incorrectly. Also I want to point out that if they had investigated it would show reporting incorrectly. XXXX XXXX county child support account number XXXX it shows it was in collection in XXXX of last year. Now clearly this is a mistake that experian refuses to investigate, because if they did investigate it it would show it was paid and reporting incorrectly. Because it is taken out of my check every week and has for the last eighteen years. Here is another example of experian breaking the law. Also how can something be in collections for one month then the next month be okay does that mean it was paid at the end of the month? How can you be in collections for a month and not the next. If I were to make an assumption I would say that 's entirely wrong. The second account is XXXX XXXX account number XXXX ... Again another account this is not mine and they refuse to investigate because if they had they would see this is not mine just like XXXX and XXXX, its almost like they get off on reporting incorrect information
Consumer complaint received 2023-08-05
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: Experian Information Solutions Inc. (MD)

XX/XX/2023, I informed XXXXXXXX XXXX   by mail that my wife XXXX XXXX XXXX XXXX XXXX XX/XX/2023. I stated there was no estate or money to pay her debt. XXXX XXXX called me on several occasions stating I was a joint owner and responsible for the debt. I disputed the debt and explained I was an Authorized User not a joint owner. In a letter dated XX/XX/2023 XXXX XXXX informed me the credit card account has been been updated. My wife 's name removed and replaced by my name. In reply letter dated XX/XX/2023 I again disputed the debt. I asked for written validation that showed I was joint owner. To date XXXX XXXX has not replied in writing to my concerns or requests. However, XXXXXXXX XXXX did report to credit reporting agencies that I was 60 days over due on payments to the debt without saying the debt was in dispute. My credit score was dropped XXXX points and I was denied credit when I tired to replace my 20 year old furnace and air conditioner. XXXXXXXX XXXX closed my wife 's checking account and placed a hold on {$2500.00} balance in the account. XXXX XXXX never notified me or gave me access to my wife 's checking account. They have a copy of my power of attorney authorizing me access to my wife 's financial accounts. XXXXXXXX XXXX is still calling me to the point of harassment.
Consumer complaint received 2015-12-06
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I have already made XXXX complaint against Huntington Bank about my families mortgage. 
We have lost our house to the bank which was unfair and should have never happened and now we are getting notices from Huntington Bank telling us we need to insure the house we DO NOT own since XXXX XXXX of 2015. I have contacted Huntington Bank about this notice and was told that there is NO record of the Forclosure in the Huntington Bank records at the higher up building and they make a note of this Forclosure. We have now received a second notice telling us to insure the house that Huntington Bank has bought at the sheriff sale in XXXX of 2015. We would like to move on with forgetting what was done to us since we lived in this house for 23 years and we was pushed out with NO legal right to do so.
Consumer complaint received 2023-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

During my time of XXXX, my identity was exploited and accounts were deceitfully opened in my name causing considerable turmoil and difficulties upon my release. The accounts are as follows : XXXX XXXX XXXX XXXX opened XX/XX/XXXX  - Acct number XXXX XXXX XXXX XXXX XXXX opened XX/XX/ - Acct number XXXX XXXX XXXX XXXX XXXX opened XX/XX/2019 - Acct number XXXX Even after my release my credit was still being compromised. I have disputed this with the bureaus and the creditor and I've yet to get any satisfactory results.
Consumer complaint received 2023-07-05
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: EQUIFAX, INC. (TX)

Hi this is my second Complaint regarding the Credit Reporting Agencies and their improper furnishing of inaccurate information on my credit reports after they claim they investigated. To date i have no verified proof nor names of the persons that allege in writing a verified debt. Federal and state laws in Texas state that what i am going through as a protected class of consumer is against the law. Please see Attached Identity theft report the listed accounts violate my right to privacy and confidentiality under 15 USC 1681. I have the right to privacy and under 15 USC 1681 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. In addition, 15 USC 1681c ( a ) ( 5 ) states No Consumer reporting agency may make any consumer report containing any of the following items of information, any other ADVERSE item of information, other than records of convictions of crimes which antedates the report by more than seven years. And lastly under 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate. Accounts for deletion : N/A 733472B06940 reported 3/23 Past due {$2400.00}, Accounts for deletion : XXXX  XXXX reported XX/XX/XXXX {$4000.00} Accounts for deletion : N/A XXXX reported XX/XX/XXXX Account for deletion : N/A XXXX reported XX/XX/XXXX {$700.00} Accounts for deletion : XXXX XXXX ACCOUNT FOR DELETION : XXXX XXXX REPORTED XX/XX/XXXX {$590.00} ACCOUNTS FOR DELETION : XXXXXXXX XXXX XXXX reported XX/XX/XXXX {$18000.00} Accounts for deletion : XXXX
Consumer complaint received 2016-03-02
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Neon Newco Corporation (DE)

Net Spend has sent a visa to my work, to my home, sent text messages and emails. I have asked that cards not be sent to me and to take me off there contact lists and yet I still receive info from them. I did n't give them any of my addresses. I did n't request there services and it is impossible to get them to leave me alone. Customer Service will not help and they wo n't let me speak to a manager. I text stop to there text messages but they continue to come and the email address I got from the paperwork they mailed me came back undelivered. Please help me make them stop.
Consumer complaint received 2022-12-29
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. (KY)

hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2017-03-02
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Neon Newco Corporation (AL)

I received a prepaid small business Master Card debit card in the mail that was unsolicited from NetSpend. I 've never heard of this company and have not applied for a debit/credit card. This company is sending debit cards to people where their identity can be stolen in the future. The card indicated that I needed to activate the debit card.
Consumer complaint received 2016-09-08
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

In XXXX 2016, both Macy 's American Express and XXXX XXXX informed me that my cards had been compromised. XXXX XXXX took care of everything quickly. Macys is continuing to claim that I owe them money for something I never bought. Over the months, I have been told I had no balance, then that they owed me money, and now that I have to pay a fraudulent charge because " the vendor reimbursed me. '' I never used this card to buy anything outside of Macys. I had been dealing with Macys online, disputing their final bill to me of nearly {$200.00}. I was told it would be taken care of. Then I received a bill from Macys for this amount plus late charge fees and interest. I wrote a letter to Macys on XXXX/XXXX/16, disputing this charge. I sent documentation along with the letter, but did not send it certified mail. Now I am getting harassing phone calls from someone from Macys demanding that I pay this bill.
Consumer complaint received 2015-05-15
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (FL)

I had a charge on my Home Depot account for {$15.00} in XXXX. I changed my email address on XXXX XXXX to my new email address. Apparently it did n't go through as I never received any email statements for the {$15.00} and forgot about the charge. I noticed my credit score went down and found that Home Depot had me listed as unpaid for XXXX and XXXX 2015 w/ accrued late fess. I called them and they had my new email but could n't verify they sent my bill to the new email address. I spoke to an account rep. named XXXX who said they could n't do anything about sending the derogatory credit to the credit bureau which dinged me nearly XXXX points for a bill I never even received plus late fees. I never received a bill from them!
Consumer complaint received 2017-03-24
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

There have been several difficult situations thatI have had with my loan provider XXXX/ Navient. 
The first of many situations with XXXX began after graduation. After the grace period for non-payment ended. I had a part time job that did not cover the entire loan payment of {$1700.00} a month. The only option I was given was to go into forbearance. I was force to go into forbearance several time due to the lack of job opportunities. When I finally received a full time job and I felt like I was ready to make some type of payment, I called XXXX to arrange a payment plan. I tried to consolidate my loans to try to get my interest rate reduce from the current 16 % it was at. I was told that I could not consolidate my loans because I had past my limit of times I could put my account into forbearance. For many years I was making payments on my loans that did n't even cover the amount of interest accrued that month alone. I was making {$1700.00} a month payments and my loan amounts just kept going up. My account double from the initial loan amount I initially graduated with, before I was able to come into a low interest program. Which at this point I was still paying off all the accrued interest. This program was when my account was under Navient. During the second year of this program my cosigner started the process of getting his home loan refinance. It was at that point that we noticed that for nearly two years Navient was reporting late payments every mouth to the credit bureau, effecting our credit scored. At that point I had called Navient to see why this was happening. I had my payments setup to automatically come out of the bank account ever month before the due date. I was then told that they were allocating my payments wrong and that since I had XXXX loans under my account, that the systems was not spreading out my payment to all XXXX accounts. It was a struggle to get them to send us a letter or statement that this error occurred so that we can have something to send to the credit be bureau. We were promised a letter for nearly three months stating the error they had made. Every week the I did n't receive a letter I would call my account rep and demand I get a letter. After the third week I was no longer able to get a hold of my account rep and the person who took over my account said that everything was fine and that there was no record of the error therefore he could not send letter. I was also never confirmed to me that if had accrued any late payment fees or penalties that they would we reversed. This past few months I had my interest rate go back up to 9 % on my XXXX loan because according to Navient my XXXX co-signers were making too much money. When in fact my co-signers were not in a position to help my make my loan payments.
Consumer complaint received 2015-06-24
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

Citizens Bank held a Boat mortgage for about 13 years on a 15 year loan. The loan was paid off early, but they ( Citizens Bank ) lost the boat title. Now they want me to have run around after it. Which I did. I asked the banks customers department for my time and expenses. The flatly said no, that the Title was my problem. 
The bank, Citizens Bank, told me the lost my title, and it is my responsibly to go and get it and to pay for it as well. They issued a " Release of Lien, " Instead. My account # is xxxxxxxxxxx, and their phone # is XXXX. 
I was never late in 13 years of a 15 year loan, and they had my boat Title as Collateral all of this time. 

I have since drove around and received my title after sitting in a D. of M. V. office for nearly 2 hours, and paid the {$36.00} for a replacement title. 
I have since the bank to reimburse me {$150.00} for my time and travel, and {$36.00}, for the replaced Title. I think that the {$180.00}, is extremely fair, however this amount will go up as I spend more time on this issue. 

My XXXX regression is ; XXXX XXXX, I need help, as I am on XXXX and ca n't go running abound, especially for their mistake. 

My name is XXXX xxxx, xxxxxxxxx xxxx xxxxxxx xxxxxxxxxxxI have the Release of Lien if needed ( a copy, ) as I now have gotten the Title myself. 

The bank in question ; XXXX XXXX XXXX XXXX. XXXX XXXX, RI XXXXThank You, XXXX XXXX ; Citizens Bank.XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (CA)

On XX/XX/2024 I made an online request regarding a personal from OneMain Financial for {$10000.00}. There was not supposed to be a a hard pull inquiry on my credit report unless I accepted the terms and conditions of the pre-approval, yet they did a hard pull instead of soft pull which would affect my credit report negatively. I did not authorize a hard pull inquiry and their email also stated that " checking for loan offer did not affect my credit score. See copy of email below. 

OneMain logo XX/XX/2024 Dear XXXX XXXX : Many online loan sites send us loan offer requests from consumers. One of these sites passed us your request from your search on XX/XX/2024. Important : Checking for loan offers did not affect your credit score.

We understand how important it may be to get the funds you are looking for. At this time, however, we are unable to provide an offer to you. Below are the specific reason ( s ) we are unable to provide you an offer : Insufficient recent bank/national revolving info.

Number of revolving accounts Payment on accounts
Consumer complaint received 2015-07-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Urban Settlement Services, LLC (CA)

XXXX XXXX XXXX failed to post my mortgage payment. I was notified via telephone by an agent of Walled Lake Credit Bureau , LLC, that I was delinquent on my mortgage payment and they demanded payment. I contacted XXXX and found out that they had made an error on posting my payment. The matter was cleared up. I again received phone calls by agents of Walled Lake Credit Bureau demanding payment. I explained to them it was a banking error on the part of XXXX. They refused to accept this explanation and demanded payment. On the next phone call and every phone call afterwards, I disputed the debt and requested copies of their records substantiating this alleged debt. They refused to provide anything. I received correspondence via US Postal Service from Walled Lake Credit Bureau ( WLCB ) LLC, XXXX XXXX XXXX XXXX, Collection Manager, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX stating that I was delinquent on my mortgage payment and they were demanding payment and penalty fees. I again contacted XXXX and again they told me that I was current and had no idea why these people were continuing to harass me. On every notification I received from WLCB, I immediately responded in writing that this Debt was " in dispute '' and requested copies of their documentation substantiating their clients claim. Each and every time, they refused to co-operate and send me my requested copies of their records. They kept telling me to take it up with the client ( XXXX ). Each time I contacted XXXX, they stated that I was current and had no idea who or why these people were harassing me. This practice continued for several months. On XXXX XXXX, 2015, I sent WLCB, LLC a letter notifying them that I believed they were violating my rights and that they are dealing in bad faith. My letter clearly stated : " I need to hear from you regarding this matter so I can bring closure to this matter. If I do not hear from you, I will be forced to exercise my lawful rights. '' To date, they have failed to respond.
Consumer complaint received 2015-09-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

I am making formal complaint against the all XXXX bureau who continue to report the same items on my credit report that are not accurate and were paid off prior to me closing the accounts. I am receiving collection notices in the mail from collection companies that violating my rights as a citizen and soldier. I writing you today to clear my credit report of these inaccuracies from all three bureaus. I have written all three bureau and they have sent me verification in the that was incorrect to knowledge and the companies that reported to these bureaus. I think I should receive a claim for the mistakes on my credit report. I have sent multiple letters and information attach to each credit report that states that the information was incorrect and should be deleted. I request that all item of inaccuracy be deleted from my credit report.
Consumer complaint received 2017-01-11
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (MI)

I closed out a lease with Chrysler capital in XX/XX/2016. On XX/XX/2016, they took an extra monthly payment even though I no longer had the vehicle. I have contacted them multiple times now and get a difference answer every time I call in regards to my refund. I contacted them today and was today my account was " pending closed '' and my refund would n't be processed until the account was " officially closed ''. When I asked how to officially close it, I could n't get an answer from them. They refused to transfer my call and said someone from a different group would call me back in 5 to 7 business days.
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MO)

In XXXX XXXX, we were shocked to hear that our car insurance premiums were being increased because of our credit score. Putting aside the ludicrous fact that a credit score could impact car insurance ; we immediately reviewed our credit report. Amidst our 40 plus years of stellar credit involving mortgages, home equity and auto loans, credit cards - all paid perfectly, we found a past due owed XXXX. The original invoice clearly showed correct shipping, billing address, and phone number. XXXX also had our correct email that they used for daily marketing. Despite this, we never received notification of amount due. We immediately contacted XXXX and paid for our items in full ( {$100.00} ). We declined to pay any late fees - again refering to our order which clearly shows all of our correct information. XXXX billing department stated that they were totally separate from the order department - they were sending the bills to an address several years old. In XXXX, XXXX we received a " Notice of Collection and Special Offer '' from XXXX. We supplied all documentation - again, disputing the idea that we owed any late fees. Our credit score has been severely impacted - a charge off for {$380.00} in late fees still remains listed on our credit reports. This is the only blot in decades of credit history including mortgages, home equity and auto loans, credit cards. We have spent many hours sending documentation to the XXXX credit bureaus ... the only evidence of this effort is the comment " Completed investigation of FCRA dispute consumer disagrees. '' Before this episode, our credit score was XXXX ... it has been reduced to XXXX. We have a paid off mortgage, no car loan, XXXX credit card paid monthly, healthy savings and investments, and solid history of paying all bills in a timely manner.