davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (SC)

I am behind on my mortgage payments. I tried to go online to make a payment and it says I must call the office before they will allow me to make a payment. My company, Citi Financial, only takes checks and will hold them for up to 10 days before clearing my account. Online debit or credit card is not an option. I have tried in the past to talk to them but they hold me up on the phone for up to XXXX hour with insults and threats when I just want to make a payment. The closest local office is XXXX miles away since the office in my town no longer services my mortgage. How can I get them to take my payment as I am trying to get the account current but do not have all of the money at one time? My only income is through my job.
Consumer complaint received 2015-11-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

I was a patient XXXX Clinic and the owner, XXXX XXXX XXXX, was my XXXX. 
I went to this clinic XXXX. During the time that I received XXXX, I spoke to XXXX about my inability to continue XXXX due to the co-pay situation since I only had XXXX and they did take my Medicaid. 
XXXX told me personally to continue the therapy and that the co-pays would be written off. 
I would nt have continued otherwise. 
The co-pay was never written off and it has been sent to collections for some time now. Additionally, it has appeared on my credit report and it has adversely affected my ability to obtain credit. 
I am respectfully requesting that this debt be cancelled per the discussion that XXXX and I had during my XXXX sessions. In addition, I need the debt removed from my credit report. 
I have attempted to resolve this with collection agency and the clinic. I sent letters XXXX and they refuse to respond. I have made phone calls XXXX and they want to record my call ( which I am fine with as long as I get to do the same ). They have refused to have a mutually recorded conversation. They have refused my calls under these terms. I have requested XXXX to remove this debt off my report since they have not been able to validate the debt and they refuse to resolve it with me.
Consumer complaint received 2022-09-13
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)

In compliance with the Fair Credit Reporting Act. XXXX, Trans Union, XXXX, has violating 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 consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains personal information about a consumer, unless the consumer consents to the furnishing of the report.
Consumer complaint received 2017-01-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (TX)

Since I got my permanent resident status, I am banking with BBVA Compass. My relation with the bank is under two years. 

Recently closed my office and immediately asked BBVA to stop payment monthly rent, to the owner of property, I made a stop payment request on XXXX/XXXX/2016, and again on XXXX/XXXX/2016. 

Due to some password issue, I visited bank branch on XXXX/XXXX/2016 and enquire about balance, which was in positive. If on XXXX/XXXX/2016 branch manager showed me positive balance. 

BBVA on backdate made payment of rent, ignoring my online request for stop payment and charge certain amount as overdraft protection. 

Since there was positive balance so I made deposits on my XXXX credit cards, resulting bank made payment and exercise overdraft protection twice as XXXX transfers. 

Now BBVA instead admitting the mistake of over sight of stop payment request, pull more money and negative balance increase. 

I want to close my XXXX accounts of BBVA and wanted them to adjusted unnecessary pulled out money and refund wrongly made payment of rent. 

They blocked my online account access. 

There is no customer service telephone is answered, only getting the message " ALL AGENTS ARE BUSY '' and phone hang-up. 

Wanted to file complainant through corporate website, but getting this message " We 're sorry, the page you requested was n't found '' When visited online chat services I am getting this message " your request has been forwarded and you will be assisted in a few moments ''. Moments they mean over one and half hours. 

CFPB is humbly requested to intervene and help me to close my account and asked BBVA to issue clearnce letter once matter is resolve.
Consumer complaint received 2022-09-13
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. (MD)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NH)

On XX/XX/2022, I called customer service for my XXXX XXXX XXXX XXXX because I was charged late fees of {$41.00} due to the fact that with the switch from XXXX XXXX  to Barclays Bank my statement was not received. I was told the fees would be waived, and to just pay {$30.00} which I did. 

On my next statement I saw I was charged the {$41.00} fees + a {$2.00} fee. I called customer service again in XX/XX/2022 to inquire and I was told not to worry, my balance is {$0.00} and I didn't need to pay anything. So I did not pay in XXXX. 

For the XX/XX/2022 statement I was charged the same {$43.00} + a new {$32.00} late fee, or {$75.00} total. I should not have been charged any of these fees due to waiver of {$41.00} in XXXX which is still not reflected in my statement. 

When I called Barclays, I was told the {$41.00} was waived even thought it obviously was not and I was charged an additional {$32.00} fee. I was then told I'd be transferred to a " relationship manager '' but was placed on hold for an hour with no one ever picking up the phone.
Consumer complaint received 2015-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (NC)

I have been working with SLS ( SPECIALIZED LOAN SERVICES ) since XX/XX/XXXX. They have ask me over and over again for the same documents as you can see in the documents provided. I ask for a pay off so that I could seek help in other places, they faxed me another clients information then about 2 days later I received the hard copy in the mail ( see attached documents ). Once I notified them of the wrong documents they had given me it was just a few days that I was given a work out payment @ more than XXXX the amount I was already paying. The payment does not add up for the financial proof that I provided SLS on numerous occasions. In the work out payment approval I was told that I was to pay a payment of {$1500.00} for 7 months, from XX/XX/XXXX, thru XX/XX/XXXX, with the months totaling 9 months instead of 7 months. I called my work out agent and she could not explain to me either how SLS came up with the number XXXX. I am working with an agency now for help at a " one time lump sum payments that are behind through one of the Government Funded Programs and what concerns me with that is that I have read several complaints on the Consumer Affairs web site where the lump sum payment was applied to someone else 's account which left them in their same predicament. I need help with this situation not just for me but for everyone that has been taking advantage of from this company. I look forward to working with you to resolve this issue as soon as possible. Thanking you in advance!
Consumer complaint received 2024-08-30
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

I am submitting this request to formally dispute the inaccurate reporting on my closed account with account number [ XXXX ] on my credit report. Despite my previous disputes, this issue has not been resolved, and the incorrect information continues to appear on my credit report. 
KOHLS/CAPONE XXXX XXXX : {$0.00}
Consumer complaint received 2022-09-13
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX  XXXXdischarged Filed on XX/XX/2017 Reference number : XXXX
Consumer complaint received 2022-09-13
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: LEXISNEXIS (MD)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2015-07-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Professional Medical Management, Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXdebt collector : Financial Recoveries XXXX 

My name is XXXX XXXX. I sent a dispute letter out to Financial Recoveries using certified mail on XXXX/XXXX/2015. It has been XXXX days since i sent the letter and when i called them, i get different dates XXXX has received it. I then tell them it has been thirty day and the response from Financial Recoveries was the companies XXXX days to responded start from the day it is received the dispute and not the day it is mailed out. is this true? if not, could you look into it. Plus, the collect account is still being reported has open or closed and not " being disputed '' could you pleas look into that and see which is not report Financial Recoveries or the credit Bureau XXXX because Financial Recoveries is saying that it was reported the credit bureau.
Consumer complaint received 2022-09-13
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. (GA)

In accordance with the Fair Credit Reporting act XXXX 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 Here are the following XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$300.00} XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$25.00} XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$75.00} XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$30.00}
Consumer complaint received 2016-07-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (NJ)

Amount owed to XXXX was only for {$90.00} total on Acct. # XXXX, for XXXX XXXX XXXX, XXXX, XXXX, NJ XXXX. 
Paid in full " at '' XXXX on XXXX in XXXX on XXXX/XXXX/2016. The " Fraudulent '' amount that you presented on my Credit Report of {$180.00} was given to XXXX on XXXX/XXXX/2016. It is to be taken OFF of my credit report IMMEDIATELY.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Outsource Group, Inc (NC)

MediCredit is showing up on my credit report and hindering my ability to purchase a home. I called the collection agency and they have told me that the original debtor has closed it and they no longer have it. But it is still negatively reporting on all three credit reports. I would like this removed immediately off of my credit reports so it is not effecting me anymore.
Consumer complaint received 2022-09-13
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. (VA)

EXPERIAN I am the natural living man, Executor, trustee, beneficiary and legal copyright owner of the said name stated on my birth certificate and social security card and all other variations of such name/entity. I have sent the necessary documents proving my sole ownership. Experian has yet to respond to my request/dispute and it has been well over 30 days since the notice has been received by EXPERIAN which is a direct violation of 15 USC 1681i ( a ) ( 1 ) ( A ). According to my congressional findings Pursuant of 15 USC 1681b ( 2 ) - A consumer has the right to DEMAND remedy by means of written or oral communication. In addition, based on the due diligence I have done, according to 15 USC 1681 ( a ) ( 1 ) - Congressional findings and statements of purpose : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. As EXERPIAN would know, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the for the consumers right to privacy. I am afraid that EXPERIAN has not been exercising their grave responsibilities that were given to them, nor performing reasonable procedures for meeting the needs of the commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to me, the consumer, regarding the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of 15 USC 1681b Reasonable Procedures. I have remained humble throughout these past couple of years despite all the stress, abuse, and harm that EXPERIAN has caused me. I have had enough of the abuse and unfair practices from EXPERIAN. Pursuant of 15 USC 1681b ( 2 ), I did not give EXPERIAN any form of written instructions to accept, furnish, or report any information on my behalf. By the powers vested in me by the TRUE living GOD, I hereby DEMAND that all Negative accounts, Late Payments, Inquiries, Delinquencies, Charge Offs, that was not Authorized or Verified by me, the consumer, in written format to be Updated IMMEDIATELY according to 15 USC 1692g ( a ) ( 4 ).
Consumer complaint received 2015-09-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (PA)

I have derogatory mark on my file from XXXX XXXX. I called and got a pay off amount a good while ago and paid it off and suddenly they say I owe $ $ XXXX-If I were paying them off why would I not pay {$2300.00}? This is an error and I want it removed from all XXXX credit bureaus as paid in full. Thank You
Consumer complaint received 2022-09-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Late XXXX to early XXXX XXXX XXXXXXXX I opened a checking/savings account with JPMORGAN, CHASE BANK XXXXXXXX XXXX XXXX XXXX in XXXX XXXX NY XXXX XXXX 
On XX/XX/XXXX there was a transaction made through XXXX that I did not authorize to a XXXX ... .. for the amount of {$15.00}. 
Note- my wife was not an account holder yet at the above date and the bank claims she authorized the transaction. 
We do not use XXXX we never did. A XXXX representative confirmed that we have never had an account with them nor made any transactions through them via a third party. 

On XX/XX/XXXX my wife becomes an account holder as well and the transactions continue XX/XX/XXXX XXXX {$1000.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$4000.00} We personally visited the branch, filed a complaint and explained we did not authorize the transaction. We then filed a police report with XXXX police second precinct. 
Our account was restricted, my wife was taken off the account since the bank said all transactions were made using her personal info. 
We took every step we were advised to take for identity theft. 
My account was again compromised in XX/XX/XXXX from a Chase branch in the XXXX where an individual was allowed to change the account phone number using my wife 's info when my wife was off the account and the account was restricted and under investigation. 
The bank assured us they were investigating. They told us to come back with a letter saying the transactions were, in fact, authorized by my wife when they were not. They clearly didn't believe us and wanted the matter to be off their hands. 
we need further investigation of the matter. 
The bank failed to protect us before and after the initial complaint and we are treated as the perpetrators instead of the victims. It is strange that these withdrawals were allowed to occur even after my wife was removed from the account under her name. There was not a single alert that sounded when this occurred to signal theft even after all of our trouble.
Consumer complaint received 2022-09-12
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. (NH)

TransUnion is reporting 3 Dept of Ed XXXX accounts inaccurately. 
The accounts are all paid and closed. The items they are reporting inaccurately are The payment status : they are reporting " late 120 days '' this needs to report the CURRENT status as paid as agreed. 
The two year history is outdated, they are reporting over 4 years old. This needs to be removed. 

Ive included the copy of my credit report for all three accounts with the areas highlighted that are inaccurate,
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Adjusters, LLC (TX)

XXXX XXXX XXXX shows XXXX different times for XXXX accounts within my credit report. One amount for {$570.00}, the second amount for {$380.00}, and the third amount for {$660.00}. I need proof of purchase as I am not sure who these accounts originated from and certainly not 3 of the same accounts resulting in collections for different amounts all with the same orgination date listed. These accounts are a huge red flag.

National Credit Adjust is showing 2 accounts on my credit report. One in the amount of {$310.00} and the second in the amount of {$1300.00}. I have not had any success in getting information from this creditor and would like to obtain proof of purchase along with the origination date. 

XXXX XXXX XXXX is showing 2 collection accounts on my credit report. The first collection amount is {$790.00} and the second collection amount is {$830.00}. Please provide proof of purchase as well as all originating documents to confirm account ownership.
Consumer complaint received 2022-09-12
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-12
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.