davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP (VA)

Relationship started in XX/XX/XXXX when I was offered a " teaser rate '' of 0 % until XX/XX/XXXX as their " teaser term ''. I transferred {$5300.00} plus a transfer fee of {$150.00}, In XX/XX/XXXX, my statement was never received but despite that I continued to pay at least {$300.00} far beyond the minimum required payment as I was intending to payoff entire amount by XX/XX/XXXX. Since then monthly statements came as well but never on time and exceptionally worst in XX/XX/XXXX. They then started to charge fees and adjusted the interest rate to 28.99 % which I was constantly calling to correct. Frankly, this account has been so poorly handled by this company. As a matter of fact, in XX/XX/XXXX, I was sent an incorrect statement with incorrect balances not intended for me. 
After all this wrangling, going back and forth and wasting my time, I decided to close my account after paying in full principal amount of {$2900.00}, plus some fee for {$82.00} To date, this company continues to charge me fees and counting. As of XX/XX/XXXX, they reported {$250.00}. They always claimed non-receipt of timely payments. With all this pandemic and inefficient mailing system, it is certainly not my fault!! I am also attaching several letters I sent to them
Consumer complaint received 2020-06-12
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: EQUIFAX, INC. (AZ)

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 immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 
XXXX {$800.00} XXXX {$240.00} XXXX {$360.00} XXXX {$77.00}
Consumer complaint received 2021-02-11
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: CITIBANK, N.A. (NY)

There is a DSNB MACYS account reporting on my credt. I have no IDEA as to what this account is and believe it was opened fraudulently. Upon contacting DSNB they told me that they have someone else 's birthday and last name associated with the account. I woud like this account to be removed from my credit profile as it doesnt belong to me.
Consumer complaint received 2021-02-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I have a home equity line of credit from Citizens Bank, NA. Every month I was giving an extra {$1500.00} a month all towards the principal amount. I was also paying the minimum payments of principal and interest. So now it came to my attention that the bank was taking an extra interest amount off of the XXXX extra I gave a month. I asked them to correct the issue and they did and went back a couple months. I wanted the entire Line redone correctly because the bank is keeping all the extra money I gave because they misdirected payments. Please help with this. Thank you.
Consumer complaint received 2021-02-12
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)

I bought a XXXX  XXXX prepay gift card on XXXX at a XXXX store I put {$300.00} cash down on the card I never used the card. I checked the balance when I got home that night an hour or so after I bought the card and it already had {$140.00} charged on it, I will say this again I never used the card and to this day I have not had Acess to the funds I put down. After finding out about the charges I didnt make I called the number on the back of the card. The only why I could talk to a person is by entering the card number, exp. date and code on back and getting a recorded voice say the card numbers are invalid please try again after doing 4 to 5 time it gives the option to talk to customer service, they told me when I finally got a person there are no direct phone numbers to get to customer service, so I have to go though this process every time I want to talk to them and it takes about 30 ; minutes to do this process every time. 
Well I told them I didnt use the card and I filled a fraud complaint, they sent me a email and I faxed it to them XXXX XXXX XXXX who has a fax machine any way these days. Well I do now. And the card was put on hold including the undisputed amount of {$160.00} I had no acess to any funds. Well its XXXX XXXX XXXX and they are saying it will take 45 to 90 days to complete the investigation. Thats from XX/XX/XXXX I am told even though I faxed almost 2 weeks before that. 
I have spoken to 5 or 6 different representatives and its been a different story almost every time.
Consumer complaint received 2021-02-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I applied for a modification with Wells Fargo last XXXX. I asked for a lower interest rate or lower monthly payments. I received a letter instructing me to do a Short Sale. 
I have a lot of equity in my condo so I felt insulted to my hardship. 

I am a XXXX year old XXXX to my parents XXXX & XXXX respectively.My dad is a XXXX XXXX XXXX Veteran confined to a XXXX  ... My Mom has XXXX XXXX  XXXX. 

I am legally XXXX since XXXX. I can not move them or leave them.We can not afford a XXXX home. 

When I initially applied I listed XXXX per month income. They denied me saying not enough. Then I included my parents and the figure became XXXX per month. They still denied me. They assessed my condo at XXXX as a 2 bedroom. I told them this is incorrect its a 3 bedroom and one just sold in XXXX for XXXX. They didnt change their 2 bedroom assessment. 

I can not work based on the above circumstances and can not move my parents. If it was just me I would sell but it is not and I dont know where we would go. I am not behind on Any Payments and My Credit Rating is Excellent. The problem seems to be Low Income and there is nothing I can do about that. I bought this condo for my parents in XXXX. I owe approximately XXXX on my mortgage with Wells Fargo.
Consumer complaint received 2021-02-12
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. (UT)

On my credit report I was looking into, I noticed that the information that was on my credit report that was reported for my Vehicle Loan and the Company, has reported in correct information as with they have not reported to the credit bureaus monthly as agreed when I purchased the car. They have incorrect, false information that has personally not helped my credit score whatsoever since opening the loan last year. Theyve reported spotty and also reported I was 90 days past due one month which is incorrect. The payment amount monthly I pay is incorrect as with the balance and initial loan amount. Ive contacted them and they said they would contact me back but I never heard back. I sent messages as well detailing the mistakes and inadequate information being reported and they never responded. But they did harass me and contact me via phone, text and email daily when i was past due with my payment. But now refuse to contact me back, or state that the information they have doesnt reflect that. I was denied a credit card based on the information they reported that is incorrect, false and not true. Ive not seen a credit score increase at all since getting this vehicle loan, and I wanted to get help as they are required to report to my credit bureaus monthly with correct information. They have not attempted to fix this information nor provide me with documentation that I can submit to the bureaus detailing opposite information.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I started the year off by checking my credit report and I found a whole bunch of stuff on it that was not mine and a lot of stuff that was just not true so I sent some letters into all three bureaus and I have yet to hear anything. Its been along time and I just don't understand it. I called and told them about it and they were very rude. It was hard to get someone on the telephone. I want this stuff removed from my report as the FCRA says because this is some total catastrophe. Please make them abide by the law
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

I had a fraud credit card open on XX/XX/XXXX. On XX/XX/XXXX I had issue resolved to my favor from bank credit card. Enclosed letter stated to my favor as a fraud and they will remove from my 3 credit report agencies. They don't remove and leave in my credit report so it harms my credit score. I have contacted them and spoke with supervisor since XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They state it will be removed every time I call them and resolved. Its been 9 months and still unsolved. I don't understand why bank treats people in this form when knowing it was fraud. They need to remove from all 3 credit agency as they said they will do. thank you for assistants. 
amount {$2600.00}
Consumer complaint received 2020-06-11
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I contacted SPS/Select Portfolio Servicing as they had accessed my credit file and reported to XXXX, XXXX, and XXXX  an account established in my name fraudulently. 

On XX/XX/XXXX I received a notice that my credit dropped by 100 points. It was due to SPS/Select Portfolio Servicing reporting of a mortgage paid late allegedly owed by me. I contacted SPS/Select Portfolio Servicing on XX/XX/XXXX, and XX/XX/XXXX disputing the account to SPS/Select Portfolio Servicing, XXXX, XXXX  and XXXX  and providing them with two separate police reports of identity theft naming SPS/Select Portfolio Servicing. 

I then notified Select Portfolio Servicing to CEASE AND DESIST under the FCRA. Upon receiving proof of the item as being fraud it is not to be reported any longer. I provided Experian with a second police report that identified SPS/Select Portfolio Servicing as fraud. I also disputed it with again and provided letters of dispute sent to SPS/Select Portfolio Servicing on XX/XX/XXXX ; XX/XX/XXXX, and XX/XX/XXXX. 

I AM THE VICTIM OF FRAUD. 

On XX/XX/XXXX ; I mailed another letter of dispute with a cease and desist to SPS/Select Portfolio servicing via CERTIFIED MAIL to their Utah and XXXX Florida office to CEASE AND DESIST reporting and collections of this fraudulent account as it is defaming and willfully harming me as a consumer.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on XX/XX/2021 I applied for a Bank of America cash rewards credit card. I applied once and the credit card was approved for XXXX USD. However they pulled my credit score more than once and I noticed that I have 3 hard inquiries the same date from the same bank dropping my credit score a lot. 

I tried calling and discussing with bank of America without success Please help
Consumer complaint received 2020-06-12
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: Conduent Incorporated (GA)

Over the past weeks I have been unable to log into my account due to a locked out. ( Forgot my password ) when I tried to reset it, it said I had tryed too many times and the account was now locked ... thats awesome HOW DO I GET THE ACCOUNT UNLOCKED? to make matters worse I was using the customer service helpline to transfer my funds to a different account ... .that option is no longer available!! I hear it's been removed!! If that's true than why is the information in the brochures. This has been ongoing for weeks now and i can't get a real person on the phone. What do I need to do to resolve these issues? Do i need to call a different number?
Consumer complaint received 2020-06-12
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. (AR)

My identity has been compromised. I tired to file my tax return and the tax professional told me that my social security had been used already to file my tax returns. I had to contact IRS to take measures. I soon received a call from a collection company as well that I owed money. Everything was making sense after I found out my identity had been compromised. My name and social security have been used for quite some time now and there were these things from my report. XXXX {$6000.00} XXXX {$880.00} XXXX {$1200.00} XXXX {$520.00} XXXX {$1300.00} XXXX {$0.00} XXXX {$420.00} XXXX {$410.00} XXXX
Consumer complaint received 2020-06-12
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 recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX {$1100.00} XXXX {$10000.00}
Consumer complaint received 2021-02-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

The Citibank abused me by manipulatingmy retirement savings. Citi mailed me the offer in XXXX XXXXand promised the signupbonus but refused to pay It. The Citi Bank just got an advantage from my savings. 

I contacted Citi 3 times via XXXX : In XXXX they told me that the bonus will be paid in XXXX month later .In XXXX I called twice to open an investigationbut they played the dirty game by referring me to different promotions that started on XX/XX/XXXX instead of XX/XX/XXXX. The docs are attached.. 
Citi doesnt accept electronic communication and used just voice to prevent any records in customers needs.. Is that acceptable? Mailing option is not reliable and takes weeks and weeks.
Consumer complaint received 2021-02-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc. (TX)

Someone had stolen XXXX dollars from my square ash app. account, and when I had ordered a back charge as they asked me to do. Someone in that company got mad and closed my account for a false reason. And removed the DNS settings from my website that I bought from them on XX/XX/XXXX. There rendering the website from working or showing up. I tried to email them but they blocked my email. When I asked them not to shut down my website because I was going to get it transferred they removed the DNS settings so that it would not work. I paid XXXX for it on XX/XX/XXXX, and that was for the whole year. Its expiration date is XX/XX/XXXX. And my website is not working because of what they did out of spite and hate. The name of the website that was removed is http :XX/XX/XXXX
Consumer complaint received 2017-06-01
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: SYNCHRONY FINANCIAL (NC)

In  XXXX  of  XXXX , I paid off thi s Amazon Store ca rd. 2 months after I paid it off, there were re-occurring charges that started. My statements come in my email, but I did not feel the need to check them as I had paid the account off. I received a paper statement in  XXXX  and sure enough, they also reported me 30 days late in  XXXX   XXXX . I called, they refunded the charges, but refused to remove the reporting. I did not push the issue, lesson learned, do n't trust this bank. Again in  XXXX , I paid this account off  (   XXXX   XXXX  ). No need to check my statements, I did not make any other charges that needed to be paid. Again, paper statement received in  XXXX , I received a paper statement and again, this bank reported me 30 days late. I called Syncrony Bank, I called Amazon. They waived {$20.00} and refused to do anything else. I disputed with  XXXX  and received a letter dated  XX/XX/XXXX  that all was reported correctly, no proof, nothing. I closed the account and disputed with AMazon and Synchrony again.  XXXX   XXXX , now they are reporting me 60 days late. I just called and their collection department waived {$53.00} in fees and I paid the stupid {$21.00} balance that I DID NOT OWE because I feel like my credit  score is being held hostage at  this point. Again, they say they will enter a dispute and research will take 30 days. To my surprise, I see an article today on  XXXX   XXXX  about Amazon and their re-occurring charges. It seems I am not the only one in this nightmare. I want ALL of the negative credit reporting from this bank removed from my credit report. This is unfair - how do I know to pay something that I DO N'T know is there because I paid the account off  XXXX  balance!!
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (TN)

Im reaching out because, I continually tried disputing fraudulent and erroneous accounts and personal information directly with the credit bureaus to remove them from my credit profile. The keep saying that the Lexis Nexus and providing them with the information. I have contacted them and they are saying my records are frozen and that no information is being sent from them. I contacted the court and they stated they don't even report to credit. It clear that one of these companies is lying. Especially since the credit bureaus were initially provided with documentation of an affidavit to report the identity theft. I work over the road as a truck driver and me and my father share the same first and last name even our our middle name starts with the same letter. I did not receive any response to the information provided. When I called I was advise to resubmit the information. This issue is continuing to destroy my identity. They ALL have failed to do my investigation in full and delete ALL the remaining fraudulent accounts on my credit file. In addition, Due to failure in NOT responding is an automatic FCRA violation of them not properly handing my dispute. I am just ready for this nightmare to be over with!
Consumer complaint received 2021-02-11
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (AZ)

THIS IS NOT A DUPLICATE!!! 

XXXX  XXXX claim this item Accurate & Consistent but its 2 different incorrect spelling of my name in the original contract which are highlighted in the attachments. which is a MAJOR Violations UNDER THE FCRA & FDCPA
Consumer complaint received 2017-05-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TRANSWORLD SYSTEMS INC (NJ)

XXXX / XXXX / XXXX  We purchased a product called  XXXX  off a direct marketing infomercial. On  XXXX / XXXX / XXXX  they claimed it was for  XXXX  with 100 % money back guaranty. So we ordered it it wa s a 4 week  supply. We tried it  for two weeks.  It made my wife  XXXX .   We called the company they told us they was not going to honor the guaranty. So I called my credit card customer service. Advised me to dispute the charge. So they can correspond with the merchant foe me .so I did do so. The credit card company sent the merchant numerous requests to correct the issue they didnt respond to the credit card company request during the required time allowed. I received a response from the credit card company that they had made a ruling in this dispute case. And refunded my account from this merchant. They advised me that this issue was solved.  <P/> Now I have received letter from transworld system inc collections on  XXXX / XXXX / XXXX  at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Pa  XXXX  contact #  XXXX .   Requesting me to respond within 30 days. I tried to call the contact # and get a recording that this phone # is out of service Can pleas assist me in this matter  XXXX  and  XXXX   XXXX   XXXX  cell  XXXX
Consumer complaint received 2017-05-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION (TN)

I contacted the CFPB back in  XXXX  or  XXXX  with problems wi th Sallie Mae. After you contacted them, they finally told me they did have a forbearance. Now, I still do not have a job. Every month they increase the interest. This month my interest sits on 3 loans : 10.375 %, 9.750 %, and 8 %. These interest rates are highway robbery, and every month they increase. How are students suppose to pay loans back? Student loans are meant to help students not destroy them. I am a single mother and struggling to get a job even after completing school. They make it to where I will spend the rest of my life struggling to pay back their loans. It 's only Sallie Mae that is highway robbery. My federal loans have been extremely nice and helpful.
Consumer complaint received 2020-06-12
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)

XXXX  XXXX XXXX {>= $1,000,000}. I have reached out to this company several times in reference to these accounts. XXXX  XXXX offered to put loan in deferment to investigate and will remove these accounts while they investigate. These accounts are fraudulent fed loan is now violating fair debt reporting act. please assist