davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I have had an auto loan with Citizens Auto Finance since XX/XX/XXXX. On each month, my payment is due on the XX/XX/XXXX, in the amount of {$260.00}. In XX/XX/XXXX, I missed a payment and was charged a late fee, while the past due amount was added to my payment for XX/XX/XXXX. In the subsequent months ( XX/XX/XXXX - XX/XX/XXXX ), I made sufficient payment to cover the past due balance, and the initial late fee that was incurred. As I continued to make additional payment above my principal payment, Citizens continually misapplied my additional monies. Rather than satisfying my past due balance and late fees, the additional monies were applied to my principal balance. As such, my past due balance and late fees continued to compound, through XX/XX/XXXX. In XX/XX/XXXX, I contacted Citizens on three separate occasions to have the payments properly applied, to satisfy the late fees and past due balance. Multiple customer service representatives addressed the issue, and I was told that the extra monies were not properly credited because I " put the payments in the wrong box '' when making online payments. In the subsequent months, I made online payments as directed by the CSRs at Citizens. Payments continued to be applied incorrectly. After multiple conversations in XX/XX/XXXX, I was assured the issue had been resolved, and all payments were properly reapplied, therefore satisfying any late fees and past due balance. After checking my online loan balance, my current past due and late fees were {$0.00}, as assured. In XX/XX/XXXX, I received a statement for my regular principal payment of {$260.00}, plus an additional late fee, despite my on-time payment in XX/XX/XXXX, and the reapplication of my past payments. Upon further investigation, Citizens had reversed all the reapplied payments, once again charging me late fees for a balance that had long since been satisfied. In XX/XX/XXXX, I called Citizens to address the issue. The representative told me he " did not see a late fee on the account, '' and instructed me to make my payment as normal. On XX/XX/XXXX, I made my payment on-time, paying the full amount due, but not the late fees, as I was assured they were not on the account, and should not have been, if Citizens had properly applied my payments to the loan. In XX/XX/XXXX, I once again received a statement with late fees. On XX/XX/XXXX, I contacted Citizens once again, and was told the late fees existed from the XX/XX/XXXX past due payment. I explained the issue once again, including the resolution that was supposed to happen in XX/XX/XXXX. The representative, and subsequently a supervisor, continued to insist the late fee was valid, and would not remove it from the account. As such, I am contacting this institution, as Citizens will not properly reconcile my account.
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CO)

My mortgage with Wells Fargo was in forbearance & though they were not reporting late they kept upping the past due amount every month so my loan showed I owed more than the original loan & has tanked my credit. I spoke to them in XX/XX/XXXX about it & XX/XX/XXXX again & they said they would bring it to the attention of the department responsible. Spoke with them again XX/XX/XXXX & they said they were allowed to report the overdue amount in the balance as long as they dont say payments were late. They also showed that my account was in forbearance on all my credit reports. Credit companies said they could do nothing or change any of that reporting. This in turn has completely messed my credit report up & Ive ended up with reduced credit lines & higher interest rates. The reason showing is my loans are too high balances compared to the original amount & theyre over the limit amount. This is the ONLY problem on my accounts! Not to mention other problems Im having w Wells Fargo holding my sons CD hostage during Covid. Now instead of modifying my mortgage to a lower rate/payment they have put me in a trial 3 month payment for {$200.00}. Less than the original mortgage amount but have told me nothing about what they will be doing with my mortgage & if I will have a lower interest rate & payment after or IF they will be modifying at all! I am XXXX & need help desperately!
Consumer complaint received 2021-10-15
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. (FL)

I was checking my credit report and I saw that my credit score is low. I have no idea why I see that information on my account. I didn't applied for anything. I believe that someone used my personal information
Consumer complaint received 2021-10-15
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: CITIBANK, N.A. (CA)

I am hoping you can help me with my issues I am having with some creditors. I have a debt with both XXXX XXXX and Home depot. On XX/XX/2021 I called both companies to resolve my debt with them when they asked me for the last XXXX of my ssn ( XXXX ) I gave it to them. They told that wasnt my ssn. Well that odd because that it too my ssn. It confusing to me that both company do not have the right information. If they have the wrong information how can they be reporting to my credit?. They refuse to help me because of this mix up which is not my fault. I am at a lose as to what to do on this. I have attached my SSN card and Driver License to prove who I am.
Consumer complaint received 2021-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (KY)

1. In XX/XX/2021, I refinanced my home. I have an escrow balance of {$4500.00} that is rightfully owed back to me from Specialized Loan Services. As part of the refinancing process, this should have automatically been mailed back to me when the loan was paid by the new loan holder.

2. In XXXX, I had not received the check and called to inquire. They indicated the check had been mailed, so they'd have to cancel the check and issue a new check. This process should take around 10 days. That same day, the check came in the mail. I called to ask if they could reverse the check cancellation. They indicated they could not and I should destroy the check. I did this. 
3. Thinking that the check from XXXX was on its way, I waited until XX/XX/XXXX to inquire again. The company indicated the check from XXXX had not been cancelled and someone was supposed to have called me to let me know the XXXX check was cashable. This did not happen. 
4. On XX/XX/XXXX, XXXX ( employee ID XXXX ) indicated he would assign the case to himself and update me with a tracking number for the new check by XX/XX/XXXX. 
5. On XX/XX/XXXX, I called and XXXX indicated " there had been a change in company policy '' that would not allow him to track this case. My understanding is that no check has been issued. Before I could get more details, he hung up on me, or I was disconnected. 
6. I called back and spoke with XXXX ( employee ID XXXX ) who indicated the same information as XXXX on XX/XX/XXXX- the case has been escalated and her notes request a wire transfer or certified mail so the check is traceable. She indicated this would take another 15 days to resolve and that she would call me on XX/XX/XXXX to update me on the status. This appears to directly contradict what XXXX said about the company policy that no longer allows for cases to be assigned to specific agents for resolution. I also requested a supervisor call back, which takes 24-48 hours.

6. No one has been willing to provide a direct number or email to call back to. The phone tree makes it difficult to reach a human person. I have called 11 times and only been able to connect 6 of those times. I have spent approximately 8 hours working on trying to get this resolved.
Consumer complaint received 2021-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (AZ)

PNC Bank purchased BBVA and had about six months to transition accounts. This past weekend, they eliminated BBVA access from customers from Friday-Monday, promising access within PNC 's new system would be up on Tuesday ( XXXX XXXX ). When I was unable to access my accounts on Tuesday, I visited the local branch and spent about an hour with my banker, completing a form which listed all my accounts that needed to be migrated to PNC. That form was sent by the branch to PNC on Tuesday. By Thursday, nothing further transpired and I still had no access. I contacted PNC 's leadership team in XXXX and, while they did not respond directly, they had someone contact me to let me know " they are working on this ''. As of this morning I still have no access and no one at PNC is returning calls or email messages. 
This situation was both predicable and avoidable and, once the problem was created and PNC was properly notified, they have exhibited seeming incompetence and indifference to finding a timely resolution, It is totally unacceptable for my wife and I to have to endure a full week without access to our accounts.
Consumer complaint received 2021-10-15
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: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The consumer reporting agencies need to report all information with complete accuracy, The following XXXX XXXX accounts have been reporting to my credit for a long time with inaccuracy repeated charge - off reports, this account 's is inaccurately reported with monthly charge- offs, potentially re-aging the debt illegally. This constitutes a clear violation of 15 U.S. Code 1681e ( b ), also Omission of account transfer/sale information. The failure to report the transfer or sale of the account misrepresents its status, in violation of 15 U.S. Code 1681s2. Remove the following XXXX XXXX  accounts immediately as they are hurting my credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance was charge off Payment history is not accurate Balance was charge off reported as still outstanding balance, account was transfer to collection agency Payment history is not accurate XXXX XXXX XXXX Balance {$3700.00} Credit Limit {$2700.00} Passed due {$3500.00} Charge off {$3500.00} Balance was charge off Payment history is not accurate Balance was charge off reported as still outstanding balance, account was transfer to collection agency Payment history is not accurate
Consumer complaint received 2017-09-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (TX)

I had a promo finance offer with Comenity Bank / XXXX XXXX, the promo finance expired on XX/XX/XXXX, the remaining amount due on this promo offer was {$620.00}. On XX/XX/XXXX, one day BEFORE the promo expiration I made a payment of {$620.00} which more than covered the promo remaining balance due. However, the bank still charged me the accrued interest a day later on XX/XX/XXXX of ( {$720.00} ) and another small interest fee of ( {$23.00} ) on XX/XX/XXXX. I should have never been charged these amounts. I have called / emailed through their support platform with no success. I am very disappointed with the lack of service I have received on such a clear cut issue and feel I can no longer trust this bank.
Consumer complaint received 2021-10-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have LATE payment on my credit report that should never be report because I was attend school. In 2017 I attend college which I attach the certified letter from the VA education office showing all the date that I attend school. I'm requested the late payment to be change to on time payment an current.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been a victim of XXXX XXXX and my credit report has been used for items that are not mine - please help remove this my information has been stolen please see my new social attached. 
XXXX - XXXX - XXXX XXXX - XXXX -XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
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: EQUIFAX, INC. (KS)

My credit is very important to me and I am deeply frustrated as my credit report contains errors and missing information. Despite my repeated requests for corrections, these issues remain unaddressed, unfairly impacting my credit score. These errors are causing ongoing stress and hindering my ability to get approved for new credit.
Consumer complaint received 2020-10-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Everest Receivable Services Inc. (MA)

everest receivable services located in NY. They are calling everyday and also calling family members and harassing them. They have no right to call family to locate someone and get personal information from them. They call and leave voicemails and I have called and told them that the address is verified. They are still constantly harassing every family member and leaving messages.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2017-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

On XX/XX/17 I received five emails from Navient, one said my forbearance was approved and gave a payment due date and amount. I did n't request this because my loans were paid back 100 % in my chapter XXXX. Case XXXX XXXX county ohio. I have a letter from XXXX indicating a XXXX balance as of my discharge. 

I called Navient and they were rude, could not give me info, and one even told me she could n't access my account even though she had just given me information. She transferred to to someone who was a robot, just insisting I have to pay now that bky is over. 

She was given my current address and confirmed they had an old address They were sending demand letters to a wrong address. If they knew the bky was over, they knew my correct address as it was in the discharge paperwork and XXXX had the correct address. 

One of the letters says the have put this on my credit report as past due and they also want late fees. 

None of the letters show a balance, just principal. 

Another letter was generated today and viewing it online I see they STILL have the wrong address. 

I am trying to buy a new car. This false info must be removed from my credit report NOW.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

XXXX have been reporting late payment to the credit bureaus. In accordance with fair credit reporting act, this creditor has violated my right under 15USC 1681 section 602 states I have the right to privacy ( 15 USCS 1681 section 604 a section 2. It also states a consumer agency can not furnish an account without my writing instructions under 15 USCS 1666b a creditors is not to treat a payment on a credit card account under an open end consumer credit plan or any late for any purpose.
Consumer complaint received 2024-08-23
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: EQUIFAX, INC. (NC)

Account XXXX XXXX showing closed with a balance of {$150.00} on credit report. I made the payment in the amount of {$150.00} for this account to XXXX XXXX XXXX. Reference Number XXXX, on behalf of XXXX XXXX, yet account still shows on my report with balance.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have not been informed that this is the case I am going to end up with with my attempts to dispute these accounts that are affecting me financially, mentally and emotionally - so here I am writing once again, asking if you could just look through my case and investigate the accounts that I am asking for you to verify the accuracy and remove once done. It has come to my attention that I am not getting proper action from your company and it frustrated me especially as someone who is thriving hard to get through a day.
Consumer complaint received 2017-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (CA)

I recevied a notification in the mail on XX/XX/XXXX that the limit on my XXXX XXXX XXXX through XXXX XXXX card had been lowered by {$1100.00} from {$3000.00} to {$1900.00}. This left an available amount of {$61.00}. 
The letter stated that there were several factors involved in the decision. They were : - Length of time credit accounts were open ( I have had positive credit for over 20 years ) - Number of delinquencies ( one over 7 years ago in the amount of {$24.00} ) - Proportion of balances to credit limits ( I recently had to purchase a new AC Unit and used some funds on another credit card ) - Proportion of loan balances to loan limits too high ( The last non-revolving loan I opened was a mortgage with $ XXXX in equity ). 
I have a XXXX credit score and make a very sufficient income to cover all of my obligations. I have not had a delinquency aside from a 30 late payment over 7 years ago. The most frustrating and concerning issue is that I received notification from my credit monitoring service that due to the very minimal available balance on this card, my credit score was negatively affected by XXXX XXXX lowering my limit. 
Aside from a XXXX XXXX card that was needed for an emergency vet visit, I have not opened any new accounts in over 2 years ( the last being my mortgage in XX/XX/XXXX ). 
I contacted Customer Service who informed me that I was welcome to apply for an increase. Of course, this would affect my credit. I am not in need of the funds on this card. I do, however ; take great concern with this bank effectively lowering my credit score without any negative actions on my behalf. I wish for my credit limit to be restored. I will no longer use this card and will pay off the balance as soon as possible.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.