davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

A couple of months ago, I asked Discover card to raise my credit limit. Discover card Associates kept making excuses why they couldnt raise my credit limit also they were telling me that I have serious delinquencys on my credit. One of the associates that I spoke to told me that my credit score was XXXX. So I dont know where he got that from. They said they have there own credit bureau. Thats how they judge you on your credit score not the three bureaus XXXX, XXXX, and XXXX. I spoke to several people about getting the credit raise but they would not raise the credit limit. So I reached out to the executive office XXXX. He had an executive lady from his office reach out to me and she told me that they was not gon na do it and never really gave a decent or intelligent answer on why. So I asked to speak to someone else about the situation in the executive office they wrote me a letter by email stating the same thing. So never did get any  resolution to this problem. Then three days ago, I received an email stating that they were going to close my account in 30 days from the date of this email also they were going to lower my credit limit. So once again, I reached out to the executive office XXXX. To get this problem resolved. XXXX had this lady call me. As soon as I started talking with this lady she was very rude and Disrespectful. So while we were talking she started telling me that yeah we did an investigation on you and matter fact we did another one on you just lately. I said well what was the investigation about. So as I proceeded to started Talking about this subject. All of a sudden she says is there anything else that I can help you with. I told her I wasnt even done with the conversation. So no theres nothing else you can help me with. She stated you have some serious delinquencys. I said I look at my credit report daily what are you talking about. Then she stated, you havent did any Activity on  your credit card in six months.

( Within the last six months we have been in COVID 19 ) This is  almost like a situation with a landlord and a tenant. The tenant is not able to pay at this moment ( Due to pandemic ) and the landlord Gives the tenant eviction notice out of Spite. 

I Told her most credit Card company dont closed your account within 6 months. For no activity. 
I spoke to another associate before I spoke with her. He told me that it had to be no activity in 10 months. I ask the CEO ( XXXX ) of  Company will they send me the disclosures that I sign at the time. About the 6 months inactivity will terminate your account. Also, the serious deficiencies that they see in their own credit bureau. I would like The consumer Financial bureau to investigate what type of Credit bureau is discover going by. Because they have stated several times that they do not go by XXXX, XXXX, and XXXX.
Consumer complaint received 2020-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

I had a upside down loan applied for a Making Home more affordable modification loan it took three modification the last one, they promise to take a XXXX XXXX XXXX  off but they put it at the end of the loan. They did not keep their agreement, this is Wells Fargo Mortgage Bank in XXXX XXXX IA. I now have been transfer to XXXX XXXX XXXX in XXXX of this year, who is charging me XXXX more dollars than wells Fargo. 
My Wells Fargo loan # XXXX the three modification dates : XXXX XXXX. XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX LOAN # XXXX I need help I appreciate very much you helping me to get my money from both of these loan companies Thank You XXXX XXXX
Consumer complaint received 2023-05-05
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. (NE)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 ( C ) ( 5 ) Sections States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other advise items of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

In XXXX, 2020, before the problems with COVID 19 appeared, we paid {$61000.00} for a XXXX Cruise using our Citibank Visa card. On XX/XX/2020, XXXX XXXX XXXX ( XXXX ) informed us that had to cancel our cruise due to CDC guidelines. We chose to receive a refund instead of re-booking another cruise next year. On XX/XX/2020, XXXX returned {$61000.00} back to Citibank creating a {$54000.00} excess credit in our account. We called Citibank on XX/XX/2020 and spoke to customer service. They initiated the process to wire transfer {$54000.00} to our checking account and that it would take 3-5 business days. We never received any money from Citibank so on XX/XX/2020, we called Citibank Customer Service again. This time we were told that because it was such a large amount, it had to be approved by 2 different supervisors and that the final approval had been done on XX/XX/2020. We were told again that we should see the money in our checking account in 3-5 business days. Again we never received any money so on XX/XX/2020, we called Citibank customer service and this time we asked and spoke with a supervisor named XXXX. She could not give us any reason why we hadn't received our money yet and she would have to research 2 departments to find out what happened. She gave us no timetable as to when we were going to receive our money but that she would contact us if she found out anything, As of XX/XX/2020, we have received no money and no information from Citibank as to when we will receive our money!
Consumer complaint received 2023-05-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This account is reporting late as reported in my Equifax and Credit bureaus. This account should not be showing the current status of 30 days late since its already been paid for. It seems impossible to accrue late on an account that has already been paid. Please report the payment status positive and update all late from reporting on this account. 
XXXX XXXX  XXXX
Consumer complaint received 2020-09-02
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. (CA)

Citibank credit card for XXXX charged my account and I submitted this as fraud or dispued account. I spoke to the company once before and found out that they had reversed the charge. The company charged my card after 3 months and this time went to fraud. The person ask me questions that were not appropriate such as do you have family members that steal from you? Do you give the credit card to someone else? Did I have plaster or work done on my home? The asked if I had any loans that I applied for or credit cards. In addition, the representative was going to ask more about my personal details and I advised them I was calling about a incident that I am being charged that I was told was closed. The company replaced the card due to the breach and now I had a customer service agent accuse me indirectly that I have a charge that they can ask my whole financial history. My request was simple where did the money get deposited and to whom did the money get deposited. They didn't have any of the information it was a one sided discussion where the company wanted to charge me and not look into it even though it has been over 60 days since it has been closed. The company had to send me a check for overpayment. This shows up as a new charge on the card. I have asked for the supporting documents and the company has provided none. They are overstepping their rights under the Fair Credit Reporting rights in addition the representative was rude.
Consumer complaint received 2020-09-15
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: Experian Information Solutions Inc. (MI)

On XX/XX/2020 I submitted consumer complaint letters to Experian and XXXX because of the inaccurate things on my credit report that we hurting my credit report. I then sent a 30 demand to comply on XX/XX/2020 and still didn't get a response from ANY bureau. I then uploaded complaints to the CFPB XX/XX/2020 in which I recently found that they ceased my investigation saying that " this is you ''. I don't understand. I XXXX XXXX have filed complaints with these bureau because they have failed to inform me of their investigation and it has been 3 months. This is violating consumer rights and laws.I am stressed. These accounts that are on my report and not right and are affecting my lively hood. Could someone please look into this for me. Please feel free to contact me.
Consumer complaint received 2023-03-18
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. (TX)

in accordance with the Fair Credit Reporting act Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Just saw an incorrect open account from XX/XX/2020 from XXXX XXXX XXXX XXXX list with a collection agency called XXXX XXXX  that I have no knowledge of. And, did not open any account with a communication company on XX/XX/2020. 

In addition, never received a disclosure in accordance with Federal Truth in billing or credit reporting act as a matter of law. 

Please have it remove now in good faith and follow FTC guidelines.
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NE)

My credit score has been consistently fluctuating by large numbers ( up to 32 points at a time ) since XXXX of XXXX. My XXXX report states that my Federal Student Loan balance ( Serviced by Nelnet Lns ) has increased by upwards of {$2500.00} and the following month decreased by the same amount which shouldn't happen due to the fact that my student loan payment comes out of my payroll and is matched by my employer. XXXX has decreased my score by 16 - 32 points everytime Nelnet has reported my balance increasing ( which is inaccurate because my balance hasn't increased and i've never had a late payment ) but when Nelnet reports my balance decreasing, the points are not given back. My credit score SHOULD NOT BE FLUCTUATING due to my student loans. I have contacted both XXXX  and Nelnet. 

XXXX - When i contacted the company, i received THE WORST CUSTOMER SERVICE i have EVER experienced. That is saying a lot, considering i have been employed in customer service and loan servicing industry my entire adult life. Not only was the agent rude and combative, but he then explained that there was absolutely nothing he could do for me. When i asked to speak to his supervisor, i was placed on hold for 5 HOURS! Unbelievable! Unacceptable! 

Nelnet - The customer service agent was very nice and helpful but i was told that there seems to be nothing wrong with my account and he didnt understand why i was being negatively reported. 

This situation is in direct violation of UDAPP and FCRA guidelines. I have been dealing with this issue for 8 months and, quite frankly, i don't understand where the issue lies. I need this issue to be resolved as it is adversely affecting my ability to live in today 's society as a single individual. Please help me.
Consumer complaint received 2020-09-01
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

I was checking my credit when I noticed nine separate ( 90 ) day delinquent accounts from Navient, my student loan holder beginning in XX/XX/2017 and received no notifications whatsoever over the supposed 90 days of late payments. I have been enrolled in their Income Based Repayment Plan for nine years qualifying for a XXXX   balance payment annually. The process starts and continues once you file your income taxes and upload them on Navient 's website with your IDR application annually. My plans have consistently run from XXXX of one year to XXXX of the following year. There was no point in time when I had lapsed from a qualified " XXXX '' payment to being late, specifically in XX/XX/2017 when I had not yet filed my income taxes as I would normally in XXXX so that I could reapply before XXXX the following year. I have utilized the credit dispute services of XXXX and made numerous phone calls to Navient. There is no way for a loan holder to hold anyone accountable for what they do or say as not one person has an email that we can utilize as proof of document submission or conversations/instructions given by Navient agents. This has hurt my credit score, employment opportunities, and caused increases in my insurance premiums.
Consumer complaint received 2020-09-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ASSOCIATED BANC-CORP (WI)

I tried to book a vacation property online and it ended up being a scam. We never were able to check in or get a hold of the " property owner '' again. I used XXXX through associated bank to wire money to this property owner on XX/XX/2020 for {$1700.00}. After i found it they were scamming me, I immediately called the police ( filed a report in XXXX County under incident number XXXX ). This person has scammed at least 2 other people that I know of and they have opened police reports in XXXX county. I also submitted a case through associated bank and they denied the case. That is under case number XXXX
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I am filing a Complaint against Experian and against XXXX XXXX that is listed on my Credit report twice. I have disputed then at least 6 times and each time I dispute them they come back with an different answer saying that the account is accurate causing my score to constantly drop down to a XXXX and I paid all my Bills on time before my Bankruptcy. I have explained to them over the phone and through the dispute that this account is in Bankruptcy at first in a Chapter XXXX and then after that a Chapter XXXX and they never put the account in either Bankruptcy. They just kept putting it as past due and pulling my Score down disobeying the Bankruptcy Laws. So I will like to file a Complaint against XXXX and Experian for keep allowing them to do it, and I have submitted proof of both Bankruptcy documents to show that XXXX is on my Bankruptcy Documents. Please Delete Both accounts from my Credit File if they can't obey the Bankruptcy Laws.  and put my Credit Scores back up in the XXXX where it should be. 

Thank You, XXXX XXXX XXXX
Consumer complaint received 2020-09-15
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. (OH)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-09-15
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. (CA)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Consumer complaint received 2023-05-05
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: Experian Information Solutions Inc. (TX)

In Accordance with the Fair Credit Reporting Act, XXXXt Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666 b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason
Consumer complaint received 2023-05-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (PA)

I was behind in my mortgage due to loss of income caused by the COVID-19 pandemic. I applied for a grant from Pennsylvania 's Homeowner Assistance Fund ( HAF ) and was approved for a full mortgage reinstatement in XX/XX/2023. Shellpoint still has not credited my account with the payment. The HAF program administrator confirmed that they wired Shellpoint {$31000.00} on XX/XX/23 but have not been able to find out what happened to the money. Therefore Shellpoint 's latest statement shows me as owing {$34000.00}. Because Shellpoint has not credited my account, they have continued to report me as delinquent to the credit bureaus when I should have been reinstated. Also Shellpoint has added property inspection fees and late fees that they would not have charged if they had properly credited my account when the HAF funds were sent in XXXX.
Consumer complaint received 2020-09-01
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/2020, Capital One Bank sent me an email ( copy attached ) informing me that I was eligible for a bonus on a savings account XXXX opened under offer code XXXX. Despite this written notification, the Bank is refusing to credit the bonus to my account.
Consumer complaint received 2020-09-01
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.