davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

VANILLA VISA : I received a {$25.00} Vanilla Visa Gift Card in XX/XX/XXXX. 

On XX/XX/XXXX, I tried to use the card to shop online as follows : 1 ) XXXX : Online purchase of items up to {$25.00} + use of XXXX Gift Card. DECLINED. A subsequent purchase went through but only because I also used a separate XXXX Gift Card that had sufficient funds to purchase the entire order. The Vanilla Visa never worked, could never be applied no matter what I did. I tried 4 times. 

2 ) XXXX : Online purchase of a XXXX gift card, DECLINED. I tried XXXX 3 times. 

3 ) XXXX : Online purchase of a XXXX XXXX XXXX. CANCELLED I reviewed the Vanilla Visa website FAQs, clicked on all pages associated with my card and called XXXX. " XXXX '' answered my call and told me to choose another vender. When I explained my experiences and mentioned that I had already tried three ( 3 ) mainstream vendors, XXXX, XXXX and XXXX, " XXXX '' told me again to try another vendor and suggested I try XXXX. 

I asked if I could use the card in-person and was told I could not. I was also told I could not use Vanilla Visa to purchase gift cards and that I could never apply Vanilla Visa to orders in excess of its face value even if I paired Vanilla Visa with gift cards or other forms of payment. 

I asked for a reference number for my call to XXXX XXXX Customer Service and was told there was not one, that I should use the card number itself to reference the call ( XXXX XXXX XXXX XXXX ). I called today XX/XX/XXXX at XXXX XXXX. 

In addition to Vanilla Visa, I have had great difficulty using other Virtual Visa Gift Cards.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2021-03-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

In XXXX or XXXX ( XX/XX/XXXX ) I engaged my mortgage lender about a mortgage deferment program due to the loss if income, and eventual loss of job, that I suffered due to Covid-19. They informed me that, due to demand, they would put me in the backlog of mortgage deferment program applications, and temporarily place in a forbearance plan until they could reveal their deferment program. 

Since then, I have called at least each month, and in many cases multiple times per month, to ask about the status of my deferrment plan. Each time I have been told that the derment plan is " in progress '', that they are " working on it '', and that the agent has " escalated '' the plan. 

To this date I have received zero communication from them. They have never called me back - I have always had to follow up, and progress through the entire phone tree, often taking 1 hour each call, just to finally speak to a loss mitigation specialist, who each time has zero information and repeats the same line without giving me any additional information.
Consumer complaint received 2021-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

Basically, Im dealing with a loan service company named Loancare on my current mortgage and they lack any type of support. I can not seem to login to or view my account, which I need to do because I believe they double billed me after sending a paper statement past the due date. That leads me to question their processes as I dont want it to affect my perfect credit score if they show I was late on a payment because of their internal issues. There is absolutely no phone support or email support either. Ive tried to get ahold of them many times to no avail. I believe its illegal not to provide my loan details to me easily and accurately and they seem to not been able to provide me basic banking information. There are many, many complaints about this very same thing online about them as well. I dont even know if they show me current or when my next payment is due at this point. Its not right and I feel they should be dealt with. I dont know what further steps I can take. Please help!!!
Consumer complaint received 2021-03-01
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. (TX)

XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$9800.00} written off. {$9800.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$9800.00} Date XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$5600.00} written off. {$1300.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$5600.00} Date XXXX Dispute
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (MD)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-01
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (MI)

Between XX/XX/2020 and XX/XX/2020 I was laid off from work due to COVID I called the credit company and asked them to note I was effected by COVID and may be unable to.make.even minimum payments until I find work or go back to work. It was noted that my file was effected by a natural disaster and wouldn't effect my credit score. Now I look and I have 5 months of missed payments effect my credit score.
Consumer complaint received 2021-03-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (FL)

This is the second complaint of this kind. Navient reaches out to random associates of mine some of which I haven't spoken to in decades. These individuals are not listed as references and I have zero idea on how they obtained their information. One went as far as to share this message on social media account. They have shared information about my account with these individuals. I requested via email on XX/XX/2021 which was confirmed received that they have been harassing individuals on my social media that are in no way on any of my applications requesting it to stop and I still receive messages that it is continuing as of today XX/XX/2021. I also explained I work at a XXXX explaining why it would be difficult to reach me by phone and it still continues.
Consumer complaint received 2021-02-26
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 multiple 30-60 days 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.
Consumer complaint received 2021-03-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (IL)

Company of complaint : Navient Date of complaint : XX/XX/XXXX I am 1 day past my grace period for my due date on my private student loan and Navient has called every single hour on the hour. They have already spoken to the co-borrower of this loan and they were very rude in the manner of how they spoke to him. He let them know I was the one who took care of this account and they told him he is responsible for this account and its extremely past due. Which it is NOT. they continued to call every single hour on the hour after speaking with him - I answered the and they hung up the call at XXXX on XX/XX/XXXX and called the co- borrower again. This is harassment. This is not the first time this has happened when my loan was first transferred from Sallie Mae to Navient I asked they do not contact the Co- Borrower and they refused my request. The Co- Borrower has also requested they do NOT contact them and they do not respect that. According to the FDCPA they can not do that.
Consumer complaint received 2021-03-01
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: Shellpoint Partners, LLC (CA)

XXXX reported me late time after time. I missed one covid payment and was always current and they kept reporting me late. Now i can no longer get a refinance, i am totally current
Consumer complaint received 2021-03-01
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: BARCLAYS BANK DELAWARE (MA)

I see multiple 30-60 days 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.
Consumer complaint received 2021-03-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XXXX of XXXX I was issued a Bank of America XXXX XXXX XXXX card for the purpose of receiving unemployment payments from the Arizona XXXX. This card was used used for three months until XXXX XXXX  when Bank of America closed the card and took all {$3500.00} that I had in my account. 

This account closure : 1. Was done without my consent. 
1. Was made without appropriate notification from Bank of America. 
2. Was done without appropriate legal justification. 
3. Was not done in accordance with the policies set out by Bank of America upon opening of the account. 

As of XX/XX/XXXX I have spent dozens of hours making hundreds of calls and emails to both the Arizona XXXX and Bank of America card services, and I have still not been able to retrieve any of the funds taken from my account on XX/XX/XXXX nearly 8 months prior. Nor have I received any explanation as to why my account was closed and my funds taken. 

This is a very large issue for me as I lost my job working in hospitality due to Covid and the loss of {$3500.00} represents a significant impact on my livelihood and ability to survive over the last 8 months. 

Bank of America has since issued a new card but has still NOT refunded the {$3500.00} taken from me on XX/XX/XXXX, nor have they been able to supply any reasoning or justification for why my money was taken to begin with.
Consumer complaint received 2021-03-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (NH)

My loan auto loan for my XXXX XXXXXXXX XXXX has had several payment issues with my loan company. Payments were not posted to my account yet they took the money. They were going to repo my XXXX and demanded payment so I had to send them an official bank check which caused me many financial hardships because they had my 4 payments from XXXX XXXX who took my money instantly from my debit card. Exeter demanded an official bank check to stop the repo. So they are keeping four payments that now make my account ahead. Even then they refuse to grant me my account history are still saying I'm behind and now I find they have sold my loan to a debt collection agency when I was never behind in payments. I find their actions are unfair and abusive to my credit report and me. XXXX XXXX has closed my account for reporting it to my bank both XXXX XXXX and Exeter Finance refuse to give me my payment history. How is Exeter allowed to charge off my loan as bad debt when I was never late in the first place and then sell it to a debt collection agency. This is so unfair.
Consumer complaint received 2021-03-01
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: EQUIFAX, INC. (SC)

I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2021, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Consumer complaint received 2021-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon checking my credit report, I notice an account from XXXX XXXX XXXX  that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. I even threaten to escalate this violation higher to ensure that my rights were being upheld and still got no respond from them. I also sent certified letters to the three credit bureaus on XX/XX/2020 asking them to verify or remove the negative report on my credit report. I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2021-03-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

I filed a dispute with Citibank that was supposed to take ten days to issue a provisional credit or supply me with a result. It has been completely mishandled and I can't even get correct information from the dispute team. They provided me with the wrong dispute number and incorrect information to put on my customer statement that I faxed in. Whenever I called to follow up, they stated that it was being worked on and in process. It was not being worked on because the Dispute back office was never received the information as the dispute number was wrong. 

I spoke with a supervisor on XX/XX/2021 who corrected the dispute number and then gave me the email to send over my statement with the information I needed to have on it. He forwarded the complaint about the handling of this issue. He also sent over an emergency expedite request. The original dispute was filed on XX/XX/2021. The correct dispute number is XXXX. 

I called the dispute line today and I am still getting incorrect information.
Consumer complaint received 2021-02-28
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. (FL)

I sent a dispute to Transunion on XX/XX/2021. These inaccuracies are seriously harming my credit with my Credit score being XXXX. These accounts were never verified after multiple attempts to reach XXXX directly and didn't receive any response .Under Federal law I know that if the information Is either proven to be inaccurate, missing, or erroneous that they are required by FEDERAL LAW to DELETE them IMMEDIATELY! I have provided documentation supporting my complaint attached below. I am a litigious consumer and fully prepare to act under the full extent of the law to get this resolved. Under the FCRA, unverifiable accounts must be removed and I was never provided a copy of verifiable proof, the account must be removed. I also have mail receipts attached as well.
Consumer complaint received 2021-03-01
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. (LA)

I submitted a complaint to Transunion in early XX/XX/2021 and to cfpb on XX/XX/2021, about Transunion 's arbitrary lowering of my credit rating on XX/XX/XXXX, by more than 100 points, with no explanation and no no information change on their credit report of me as posted on XXXX XXXX, and as reviewed on the Transunion site, by me. I was assured by cfpb that Transunion was reviewing my complaint. After a full month of damaged credit which was eliminated the possibility of my applying for car credit, at all, I still see ny explanation for the 100+ drop and no communication other than robo stuff from either Transunion or cfpb. 
I can only conclude that neither Transunion nor cfpb are the slightest bit involved in fixing what has become a crisis for me. So much for our tax dollars.
Consumer complaint received 2021-03-01
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: DISCOVER BANK (OR)

I initiated a billing dispute over a charge I do not recognize. It would be refunded, then placed again on my account, then refunded, then placed again on my card. This occurred 6 times from XX/XX/2020 to XXXX XXXX in XX/XX/2020, I wrote a letter to the credit card company and the company that says they are due money. I have had no response. 
I don't recognize the charge, I was not provided with any information on what this charge is for. I truly do not understand how a company can allow a refund, then a charge - 6 times. 
I will be happy to leave Discover company, as they have not been in contact with me nor have they have been helpful. I have left this card open until I have this resolved with the CFPB.
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX Balance {$770.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX  XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2021-03-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LOBEL FINANCIAL CORPORATION (CA)

I was given a loan for {$22000.00} to finance a XXXX XXXX XXXX XXXX XXXX. I paid {$27000.00} down on the vehicle so my payments were not as high. Unfortunately I was involved in an accident on XXXX XXXX XXXX and my vehicle was deemed totaled. I was covered fully by XXXX XXXX XXXX and they then took over the case. It Has now been 4 months since this accident has occurred and I have not gotten a vehicle to drive, I Was offered a settlement but money was being subtracted that was not negotiated in the very beginning. XXXX XXXX then told me that I was financed XXXX when on the contract it clearly states that I was financed XXXX and I only had the vehicle for 3 months and since they took long to figure anything out I now have late bills with late fees of over XXXX and they are saying I owe them this ridiculous amount of money. 


























































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Consumer complaint received 2021-03-01
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. (PA)

All of my complaints within the CFPB were not taken seriously were not handled properly I was talk at not to. They refused to handle my complaints properly every time I got some type of notice about a complaint and I tried to respond I was not able to respond in a timely manner because my email would always bounce back to my mother who had some previous complaints which had nothing to do with me I want my complaints with respect reviewed and started from the beginning so that I can get a proper handling of that with this new administration. How I was unjustly treated. I told them I was a XXXX Veteran and that meant nothing to the them.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.