davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC (CA)

I filed a complaint they responded to you but seems they are still charging me a {$60.00} fee over my normal payment. they cashed two payments that I subtracted the {$60.00} from but did not apply and charged a late fee. 

I am unemployed, have no phone and am out looking for work. Of course I did not answer my door but that does not give a takeover lender the right to charge me. Send me a letter. they do not have the right to assume everyone has a phone or a computer, I do not I am writing from a friends home and that is not always the case. 

I show my payment as {$1900.00} so how many {$60.00} charges are they adding. That is what needs fixing. I mailed XX/XX/XXXX payment on XX/XX/XXXX and they still have not applied payment yet I put the contentious {$60.00} in the payment so why is it not applied yet for XX/XX/XXXX. 

These folks are overcharging me late fees when they have the proper payment per my records as the {$60.00} was added and not removed in XX/XX/XXXX seems they are feeding you a story as I have paid {$1900.00} for months and then they added the $ XXXX.to this payment I am looking at my XX/XX/XXXX statement and they have the XX/XX/XXXX payment of XXXX in suspense with an added late charge of XXXX How, the payment went up when they supposedly added this door knock charge? send a letter if you want a response that is what real businesses do. I am so disgusted and I want help. 
If the payment is XXXX then they need to explain it better and I will send the difference but they can not keep my money AND charge me late fees I am not a bank. They need to be a bit more transparent on their charges and they are vague. How does a payment go up without a breakdown. The current breakdown shows a XXXX payment then the statement comes as XXXX what am I supposed to think. I refuse to pay late fees do to their non transparency. If my payment is XXXX fine, I want a breakdown. Since my Taxes are under {$6600.00} annually why are they collecting in escrow {$7100.00}? where is the transparency. 

Have them send me a letter if they have questions, it is not ILLEGAL in California to not have a phone. very sad. Please have them send a bill showing the money I owe for which I believe is {$120.00} but will refuse a late charge as I was on time and wrote on every statement for an explanation and received nothing but more nonsense that they sent you. I also do not believe it is legal to charge more than what the taxes actually are in an impound account but yet they are If they paid {$4400.00} for my taxes as the bill is {$3200.00} twice yearly. Have that explained also.
Consumer complaint received 2024-08-17
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. (OH)

- XXXXXXXX XXXX XXXX XXXXXXXX - XXXX XXXX : XXXX - XXXX XXXX XXXX XXXXXXXX I found several fraudulent accounts on my credit report due to identity theft. These are severely impacting my ability to obtain credit. Under Section 605B of the FCRA, I request their immediate removal. Please investigate and correct my credit file promptly. Thank you for your swift action.
Consumer complaint received 2016-12-22
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America took {$4700.00} out of my personal checking account today without my authorization. I called to get information as well as get my money back, they told me it was for an unpaid business credit card I opened in 2014. I told them I never opened a business or personal credit card with them and to put the money back into my account and conduct an investigation. They told me they will conduct an investigation in XXXX to 90 days and will not give me my money back until the investigation is complete. I feel helpless and I do n't know what to do. Please help.
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

All XXXX credit bureaus are reporting a bankruptcy tax lien on my credit file XXXX are showing on XXXX for XXXX different amounts under a bankruptcy that I attempted to filed in XX/XX/XXXX. I was not allowed to go under the protection due to owing back taxes. II have been working with the IRS to resolve my tax issues I want this removed from my credit report Due to never filing bankruptcy listed below are the account information for each bureaus XXXX XXXX {$20000.00} XXXX - XXXX XXXX {$20000.00} Experian XXXX Filing date XX/XX/XXXX in XXXX County Superior Court amount is {$16000.00} XXXX XXXX County Superior Court the court system which is report incorrect information is XXXX County Superior Court XXXX XXXX , GA XXXX phone number XXXX XXXX County Superior Court XXXX XXXX , GA XXXX XXXX I will be contacting both of the counties to get any Documents that they have to prove my claim
Consumer complaint received 2015-12-17
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (MA)

In XXXX of XXXX i purchased a computer from the retail provider BEST BUY. There was a no interest promotion for 12 months as long as the balance of the computer was paid within that time period on my BEST BUY credit card. I made the purchase, in XXXX of XXXX i went into a BEST BUY store in XXXX North Carolina and made a payment to the card before i purchased items with my Best buy credit card. Before i made the purchase i asked specifically if making a purchase effects the promotion they reassured me no and that all my payments would first be applied to the promotion balance first after the minimum payment was satisfied, and it was ok to use my card at will. I made a payment and made the purchases. I use my card pretty frequently for small things there but i never pay the minimum payment. I made a large {$700.00} payment online months later to satisfy the majority of the amount oed for the promotion, and have paid well over the {$1000.00} in payments over the minimum payments over the past year. In XXXX my statement came with a charge of over {$300.00}. I called BEST BUY card services immediately and they informed me that my payments were not being applied to the promotion because i never called over the phone to them and asked for that request. I explained to them that if they checked i always made payments more then what the minimum was owed to satisfy the promotion. they stated that they are not required to do that based on the credit card act of XXXX. I stated that that makes no sense that they would apply payments to the lower balance purchases of {$50.00} and {$80.00} and not satisfy the {$1000.00} purchase. I stated that this is a form of fraud that they would deliberately apply payments to a different balance that results in a massive financial gain for the company. they kept referring that the credit card act allows them to do that and i disagreed.i called XXXX more times over the next few days and they noted the account so every time i called they just kept repeating that the credit card act allows them to do this, even though in the store where they took the payment. they stated the people in the stores do not know this information and that i still have to pay. i asked how could they have representatives that are giving information that is false and they know it, but they are not bound to the information their representatives are giving and that i owe this money. I asked how could this be that in the store where they deal directly 100 % of the time with the customers, and giving misinformation 100 % of the time that costs the consumers large amounts of money and results in a massive gain for the company. they again referred to the credit card act and then offered me a deal that i pay the entire amount of my card ( which is a {$2000.00} limit ) and they will waive the interest or i have to pay the interest. i said that is completely absurd and criminal. I have paid well over {$1000.00} in payments as i use my card frequently. This is more than unjust and criminal
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OH)

On or around XXXX I discovered than XXXX XXXX Bank has the wrong date on file for my bankruptcy. The account is closed but my dates were not properly updated with the records they have it reported as being charged off XXXX of XXXX when it should be XXXX XXXX almost 10 ago and not 5 years ago. The XXXX XXXX account was the whole bankruptcy case. There is a serious and obvious error please delete this account from my report it is wrong.
Consumer complaint received 2015-12-05
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Franklin Credit Management Corporation (CA)

Predatory Loan with Franklin Credit took a XXXX loan out XXXX 2006. Paid a total of XXXX on a XXXX 15 year loan. The Principal on this loan has not gone down. Still owe XXXX the original interest rate on this loan was 13.750 % the interest rate and the monthly charges fluctuate.
Consumer complaint received 2016-07-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (PA)

Experian has repeatedly violated my rights under the FCRA as well as the XXXX. Below is a list of violations which should suffice for cause to investigate Experian : 1. ) I submitted a written dispute via certified mail which was received by Experian on XXXX, and in violation of the Fair Credit Reporting Act Section 611, Experian never provided written response to my dispute. 

2. ) I submitted a written dispute via certified mail which was received by Experian on XXXX, and in violation of the Fair Credit Reporting Act Section 611, Experian never provided written response to my dispute. 

3. ) I submitted a written dispute via certified mail which was received by Experian on XXXX regarding a data furnisher XXXX who was including my SSN in the account number of an account on my credit report, which does not comply with XXXX guidelines in the XXXX Credit Reporting Resource Guide ( CRRG ) ( which is aimed to protect my rights under the Gramm Leach Bliley Act 's Safeguard Rule ) of protecting my non-public personal information by ensuring my SSN ( in whole or in part ) is not unmasked within a tradeline 's account number. I stated if Experian did not respond to this dispute ( as they had not the last 2 times ), I would file a complaint and sue. Experian replied, and did not comply with XXXX guidelines aimed at complying with Gramm Leach Bliley Act 's Safeguards Rule, and mask/scramble my SSN in the account number. My account number has not been updated, and my SSN is still unmasked in the account number in part for that account. 

Due to multiple violations of my rights under both the FCRA and XXXX, I 'm reporting Experian as a major offender of consumer rights. It is also my strong contention that Experian is NOT verifying information with the data furnisher as they are required via the FCRA through the XXXX system. My contention of this is due to the fact that 1. ) They have provided no proof they have submitted an ACDV to the data furnisher XXXX to verify/update my account, and XXXX. ) Any disputes of this particular account through any of the other credit bureaus ( XXXX, XXXX, and XXXX ), have indicated that XXXX has NOT RESPONDED to the XXXX, leading to a deletion of the account. 
Therefore, pending proof of Experian 's XXXX record of disputing this account with the data furnisher, I content they have not verified my dispute with the data furnisher, for which they are required to do per the FCRA, and in turn significantly violating my consumer rights under the FCRA rights. Otherwise, due to no response from the data furnisher, this account should have ultimately been deleted. 

I can supply documentation for all of the above upon request.
Consumer complaint received 2016-06-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (IL)

While speaking to a clerk by the name of XXXX at the Judges chambers ( phone number XXXX ). The clerk advised me that their courts did not report this information to Experian and that the federal courts does not even have a subscription to report to ANY credit agency. In addition, the clerk from the court explains that the courts do not physically verify or give out social security numbers or any information to any THIRD PARTY companies. So if they did not report this information how did Experian? According to the FCRA it is not permissible for you to report THIRD PARTY unverified information. In addition the FCRA also state that the credit reporting agencies can not report inaccurate information and according to Federal Court records. If they would actually call or ask for the documents they will actually see that this is not mine!
Consumer complaint received 2015-10-23
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (OH)

I am a competent person with a lot of debt. I am trying to clean it up. I have ALOT of experience just logging onto the computer to see the interest charges and my APR. Sear makes it impossible for me to see any of this information. Based on the " ease of use '' and rather simple process of the other credit card companies I deal with, Sears hides this information -- There is no PDF way to download credit card statements. Rather it is some tab delimited or other inconvenient mode. This is deliberate. I have a 25 % variable interest rate -- But still to date can not see the charges that are a result.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (GU)

On XXXX XX/XX/2024 I tried to access my XXXX XXXX XXXX XXXX from Experian through the " XXXX XXXX  site. I was unable to access my credit report online. In their FAQ section, I saw a reference to a mail order form called the " XXXX XXXX XXXX XXXX Form ''. I was unable to find that form on their website. I had to come to the CFPB website to find it. I found it quickly here. And the link was located on THEIR WEBSITE! It's shameful that they hide the form from consumers. 

This borders on willful negligence on the part of the credit reporting agencies that XXXX XXXX. They are creating barriers to providing information that's protected by law. 

I sent a complaint through XXXX  as well. Please keep them accountable. And make them do better by consumers.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2016-11-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Med-1 Solutions, LLC (FL)

XXXX in XXXX, Florida incorrectly charged me a {$40.00} co-pay for XXXX when the co-pay per contract is only supposed to be {$25.00}. I sent the collection agency a copy of my medical insurance card documenting the correct {$25.00} charge as well as calling my medical insurance company that informed me that the XXXX was using the wrong tax payer id number and that is why the charge was incorrectly billed. I have contacted the collection agency numerous times including certified mail but they continue to send me collection notices.
Consumer complaint received 2016-11-23
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial (MI)

I had applied for a payday loan and when I notified them of their interest rates I agreed to pay XXXX a month 5 months by money order. When I sent the first money order they said they never received it and I told them I would check on it but no pay anything else until XX/XX/XXXX. They are not licensed in my state and I did owe XXXX so I told them I would pay that monthly but I am enclosing an email with threats and I am assuming it is from Spotloan because the loan company they list I have not dealt with. When I tried to reply to this email it was blocked. I do not appreciate being threatened by a lender that I had agreed to pay and they tell me they did not receive my money. I am attaching the email for your review. I can not respond to the email attached nor can I discuss. Please not that Spotloan is the only loan that I had and I discussed this issue with individuals before I have no idea who this actually is but I do n't appreciate being threatened and I tried to work out the issue
Consumer complaint received 2016-09-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (FL)

Per an advertisement for an incentive of {$400.00} to open a new checking account in order to attract new customers, which is still going on on the Citi website, I applied for and was approved for a Citibank Account Package for account # XXXX. My initial deposit of {$15000.00} posted on XXXX XXXX, 2016. 

Per the terms for the incentive it stated that in order to qualify for the {$400.00} incentive I would need to open a new Citibank Account checking package, deposit {$15000.00} of non-Citi funds within 30 days, and keep the funds there for 30 consecutive calendar days, which I complied with. 

On XXXX XXXX, 2016, with {$15000.00} still in my account untouched, I sent an a message through my online account to confirm that I met the qualifications for receive the {$400.00} incentive. On XXXX XXXX, 2016 I received an email fro XXXX XXXX, Director of Client Research, that I had indeed met the necessary requirements and to allow 90 days from the qualifying translation to receive the {$400.00} incentive. 

The terms do state that the new checking account in The Citibank Account Package must be open and in good standing at the time the cash bonus is credited to the checking account. By XXXX XXXX, 2016, the {$400.00} incentive should have been applied to my checking account which I fully intended to comply with the terms and to keep the checking account open until then, and even longer in hopes for a good relationship with Citi. However, when I logged into my account on XXXX XXXX, 2016 I noticed my balance was {$0.00} and that the account had been closed. 

I called the customer service line where they stated they could not see a reason for the closure but that a check for the {$15000.00} had been mailed to me and to call the new account customer line on Tuesday with any other questions. I received no notification or information on why the account was closed. I found it odd that shortly after receiving a letter that my account was investigated and that I qualified for the incentive, my account was closed days later. This has left a bad taste in my mouth about how Citi runs their business and has me questioning if I would want to have any relationships with them in the future.
Consumer complaint received 2015-08-18
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (OH)

. For the past 2 months I have been receiving a photocopy of my printed statement. The pages are black & white, the coupons are printed on XXXX pages XXXX front on XXXX page and back on another ) and the billing disclosures are illegible, the ink is smeared and impossible to read. I called last month and was assured that another statement for XXXX & XXXX would be sent. And instead another photo copy was printed and mailed. Fair Credit Billing Act requires my billing statement be legible and contain legal disclosures for billing disputes, etc. I can not even read the billing dispute address on my statement. I am not making a payment until I receive a regular bill that can be read and I expect any late charges for XXXX, XXXX, or until I get a bill to be removed. 

I would like to add to this complaint that I received a call from Macys at work on XXXX at XXXX from XXXX at that time i told them not to call me at work or on my cell anymore. I received a XXXX call also at work on XXXX at XXXX from XXXX again at my place of employment XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CO)

This letter is a request for the steps your company took when investigating the disputed items. Please provide a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? 
Additionally, I would like to know the address you sent the request to or the phone number you used to contact them. Please do not send a generalized response outlining normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

ACCOUNT : XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2016-06-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OH)

I contacted Experian, sent them a copy of my drivers license and social security card, they are currently reporting XXXX total different social security numbers to my credit report however only XXXX of them which are off by XXXX digit belong to me. After sending them proof of my social security card I was assured that the combined information would be removed but it has not. 

These accounts include : XXXX XXXX XXXX XXXX XXXX- XXXX for XXXX, I currently have XXXX there is now way I owe XXXX a bill XXXX : checked both accounts, confirmed with them neither are under my social XXXX- called XXXX XXXX directly. I only have XXXX bill with them for a different balance this account does not match my information.
Consumer complaint received 2016-03-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (MA)

Experian refused to release my credit report to XXXX XXXX stating the reason as being related to fraudulent address. I called Experian on XXXX occasions after initially uploading their requested proof on my address ( drivers license, utility bills, insurance bills ). And told initially that my acct was updated and refused again to release my report. Told that they never received the upload ( after another person there said they did ) and then told to email the documentation. I emailed this to XXXX XXXX XXXX/XXXX/16. Was again ( 3rd time ) told by XXXX XXXX that Experian would not release my credit report on XXXX/XXXX/16. Today I called Experian again and was told that I never uploaded any documents and that I could not have emailed them. I have proof XXXX. They have refused to transfer me to a manager for assistance. They are now asking me to repeat the process. I have been at this now for 3 months and am being denied credit. HELP!!!!!!!!!!