davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

I filed a complaint ( # XXXX ) with the CFPB on XXXX/XXXX/16 regarding Citibank not depositing XXXX XXXX XXXX miles into my account for a promotion I had met the terms of. They responded on XXXX/XXXX/16 and said I would receive the miles within 60 days. Those 60 days have now passed and I have still not received the miles.
Consumer complaint received 2017-01-27
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (FL)

Citicard Corp. continues to decrease my credit as I am paying down my balance, My desired resolution would be to get permission from me to run a credit check continuously when ever they feel they want to without asking. They say they sent me an email but I received nothing and also a text message but again simply not true. I authorized them one time to do this credit check initially to obtain their card I no longer desire to have their credit cards so I am paying them off and closing the accounts. The card company representative had informed me that she checked into this and seen that XXXX credit consumers has this listed on my credit report I did not give them permission to check my credit over and over again without consulting me first.
Consumer complaint received 2019-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (TX)

I need assistance with obtaining resolution on a late mortgage property tax payment from XXXX. 

My loan servicer was Statebridge mortgage company and my property taxes were escrowed and were supposed to be paid by Statebridge. My loan account showed that the taxes were paid and the money was removed from my loan account in XX/XX/XXXX and paid to XXXX County in XXXX of XXXX. 

I refinanced my mortgage and closed on the refinance in XX/XX/XXXX. In XX/XX/XXXX, I received an escrow refund from Statebridge. On XX/XX/XXXX, I received a letter from an attorney stating that my property taxes were late and that I was assessed fines in excess of {$640.00} for non-payment. 

I contacted Statebridge, in writing, 3 times with a notice of error. After not receiving any response, I began calling Statebridge and all they told me was that my taxes were paid. I finally got them to stop saying that the taxes were paid and then MIRACULOUSLY, they began to say that XXXX county RETURNED my taxes in XXXX and that's why I received an escrow refund. I asked for proof of the return payment and all they would give me is a loan history detail report. 

My new mortgage loan servicer paid the past due balance and late fees and rolled them into my loan payment, causing undue financial hardship on me and my family. 

I am not responsible for the late fees and would like to know if there is any recourse or assistance that you can provide in helping me obtain resolution. 

I received a letter in the mail from XXXX XXXX XXXX XXXX XXXX, XXXX dated XX/XX/XXXX stating that the property taxes for my home, XXXX XXXX  XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), were delinquent. 

I logged in to the Statebridge Company portal and pulled up the account activity for XX/XX/XXXX through XX/XX/XXXX to see if the property tax funds were dispersed and allocated accordingly. 
The statement showed that on XX/XX/XXXX, there were two Tax Bill Disbursements. One in the amount of {$4400.00} ( XXXX County ) and the other for {$1500.00} ( XXXX County ). 

I then proceeded to log on to both county property tax portals to find that the XXXX County taxes were paid, but the XXXX County taxes did not show a payment. 

I received the letter in the mail on XX/XX/XXXX. I contacted Statebridge Company XX/XX/XXXX at approximately XXXX CST to discuss the discrepancy. The representative advised me that he showed that the property taxes were paid and requested a copy of the delinquency notice. Per his request, attached is a copy of the delinquency notice from the attorney and the XXXX County Delinquent Tax Statement. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, TX XXXX XXXX cell email : XXXX XXXX
Consumer complaint received 2017-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This account is reporting a total of 6 missed payments that are not correct, Also Equifax fhows 6 missed payments but XXXX shows 4 missed payments. They continue to report actively on my credit report and even though I paid this credit card in full way back in XX/XX/XXXX and requested it to be closed its still reporting actively most recently as XXXX XXXX 2017. I emailed the company twice about this error and still have not gotten any response back. I was recently denied for a auto refinance due to these incorrect  missed payments reporting.
Consumer complaint received 2017-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX ( XXXX ) XXXX XXXX  XXXX XX/XX/XXXX This complaint is about fraud and it involves XXXX XXXX XXXX XXXX XXXX, a school for profit I attended in XX/XX/XXXX and XX/XX/XXXX. While attending XXXX XXXX XXXX XXXX XXXX, I was assigned an XXXX at XXXX XXXX XXXX XXXX as a means to start working on my thesis. XXXX is involved in grassroots activities trying to help steer its youngsters into ethos of social productivity. XXXX is located in XXXX, XXXX one of XXXX XXXX XXXX 5 boroughs whose residents are mostly minorities ; it is a very tough neighborhood reknown for its deadly violence due to a large influx of XXXX XXXX or XXXX. I, for days to come, along with my colleagues, were instructed to saturate the XXXX neighborhoods with leaflets as a means to attract a large turnout for XXXX annual message of non-violence during the summer. I was served last year with legal papers and every time I showed up in Court, the other side had a problem with lawyering up for the case, at least 4 or 5 times. Finally, on XX/XX/XXXX, Counsel for  XXXX offered to drop charges against me if I would drop charges against them, I refused. My attitude was such because XXXX XXXX has almost {$30000.00} of my students loans in their coffers and I have nothing to show for it. The judge rescheduled the hearing for XX/XX/XXXX. I received an invitation letter in early XX/XX/XXXX for a Court date, I called the District Court to complain about two calendar days and the associate reminded me that my Court appearance was for XX/XX/XXXX. Then the judge and XXXX decided to have their motion behind my back. I do not have a diploma ( degree ) for my studies because XXXX never replaced XXXX with another XXXX. In XX/XX/XXXX,  XXXX through their legal counsel served me with legal papers claiming that I have an overdue balance of {$7800.00} I countersued XXXX for {$30000.00} a sum close enough to the amount spent for my studies at XXXX. Further, the Plaintiff provided a set of Exhibit boguses from page 3 to 5 in which it failed to show why Defendant never graduated. On the Defendants second year, XXXX tried but failed to get its GED program rolling which was the centerpiece of the Defendants thesis.
Consumer complaint received 2023-08-10
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Debt Collectors International, Inc. (FL)

A man named XXXX XXXX calling from DCI makes repeated attempts to collect an invoice for my attic repair damaged during hurricane XXXX. I had a contracting company fix the attic and an invoice was sent to my insurance claim and am awaiting the payment. The XXXX is aware. XXXX from DCI continues to call threatening on my contractors behalf he claims to send me to collections if I do not pay half of what he claims is owed. Furthermore, he is now calling my significant other harassing him for payments. There has been no letter in the mail regarding this and he is extremely aggressive. Please help in this matter. 

Thank you
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

On XXXX XXXX, 2017 I sent a certified letter to XXXX, TransUnion, and XXXX on behalf of myself and my husband regarding a Bankruptcy listed on our accounts. Per the FCRA 623 ( a ) ( 5 ) requesting validation with the original creditor. I have contacted the Bankruptcy courts and requested policy information regarding the validation of the Bankruptcy court records, as the information appearing on our files is inaccurate and inconsistent. Per the Bankruptcy court they have not only not received any requests to validate this information, they do not validate this information and they only provide the case number and name on a bankruptcy. As such there is another couple within the same county we live with the same names as my husband and I and our information is frequently confused when we have gone to assess our personal property and have received mail for the other couple from the Tax assessors office in the past. I have requested copies of the documentation used to validate this information and it has been returned to me again as verified without providing documentation. Per the FCRA 609 ( a ) ( 1 ) ( a ) I am now turning to you for assistance in this matter. And request that unless physical verification can be provided to me all information obtained in these listings which is inaccurate, inconsistent and erroneous be removed from our credit files. Instead, I am in receipt of letters stating that unless I provide new information to support my claim they will not be re investigating this matter again. The investigation never took place to begin with.
Consumer complaint received 2016-03-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have been on the phone for 7.5 hours trying to get my credit report straighten out with trans union the information they have on my report is incorrect and they have people that can hardly speak English and I advised them there should be nothing pending on my report and they kept talking in jiberish that I could not understand and I advised them that XXXX XXXX plus dollars was paid off on the XX/XX/XXXX and should be closed out and they said it is not their responsibility to correct the problem I also contacted the creditors that were paid off and they said it is n't there problem to get it off my report so I am being held up on buying a home of about XXXX or XXXX items that show in collections that were paid off by my health insurance. I guess their purpose is to keep people from buying anything and not taking responsibility for their action I think this is criminal XXXX and would like this issue resolved that is why our country is in the shape it is in now and people are voting for someone who is not getting paid under the table to look the other way which I am sure you are also but I have stated my complaint and I believe that you all will just look at it as oh well just another complaint aint know wonder people are going nuts in this country I am beginning to see why just by dealing with it XXXX
Consumer complaint received 2017-07-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC. (NC)

On XXXX XXXX, 2017 I fell behind on my mortgage payments in the amount of XXXX XXXX because of an increase in my monthly HOA dues and a temporary reduction in my household income. On XX/XX/XXXX, I submitted an application to my lender, Sun Trust Bank requesting options that might be available to help assist me with bringing my loan current. I asked the bank if they could temporarily give me time to pay my monthly payments and if they were willing to forebear some of delinquent amount until I am able to bring my account current. In the interim, the bank continues to charge me late fees and other assessments thus making it harder for me to catch up. It is has now, XX/XX/XXXX, nearly 90 days and the bank has n't offered an alternative resolution or any assistance. Instead, I have been getting the runaround from its Home Preservation Department ; they are ones responsible for expediting my paperwork. They constantly make threatening and harassing phone calls and keep telling me documents are missing from my file and it is incomplete. I continually keep submitting and resubmitting the same documents over and over. It is becoming a never-ending paper chase. When I ask to speak to a supervisor I am told I have to wait 24 hours for someone to call me back. I have n't been able to reach a supervisor and one has not returned my calls. I would like for someone from the bank to explain why my paperwork keeps getting lost and why my documents are not being uploaded and put into my file for review. On XX/XX/XXXX, I spoke to a representative, which I will refer to as badge number XXXX. I have attached the following documents that the bank claim they are in need of along with my complaint. I 've also sent a copy of these documents to the Home Save and Debt Counseling Specialist with which I am working with at XXXX.
Consumer complaint received 2017-07-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants' Credit Guide Company (MI)

I, Called XXXX XXXX Starting on XX/XX/XXXX to resolve a debt that I owed in the amount of {$320.00}. this company could not find my account. I informed them that it was in collections, they then informed me to call the collections agency that they no longer had that account. I then called the collection agency and they could not find the account. I had a order number that I gave the collection agency and they were able to find my account. The collection agency informed me that they returned the account back to XXXX XXXX. I then called XXXX XXXX on XX/XX/XXXX and informed them that the collection agency says they no longer have that account. I gave XXXX XXXX my file Number once again and they were able to find the account. I asked if i should pay them, XXXX XXXX or the Collection Agency they said that I could pay either one. before agreeing to pay i asked the associate that I spoke to " Once payment is made in full will the charge off be removed from my credit report and he answered yes. I then asked him if he was sure he repeated yes '' he assured me as soon as there office received full payment that the charge off would be removed from both credit Bureau 's i sent a cashier 's check in the amount of {$320.00} to Merchants ' Collection Agency. I  then called XXXX XXXX back after payment was made, spoke with a supervisor and he said that they would not be removing the charge off from my credit report. He said " the he could but he would not because it is not company policy ''. I informed him of the conversation that i had with one of their associates and i gave him that person name. I explained to him that that was unlawful what they did to me. He then apologized and said he was going to have a coaching/training meeting. This is Larceny by Conversion and this company reported that the account was paid but refuse to removed the charge off from my credit report
Consumer complaint received 2017-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HW Holding, Inc (CA)

I am here to complain about a collection agency named " HUNTER WARFIELD '', located at XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX This agency placed false collection case against me with the wrong address, amount and wrong debt. I sent a certified letter to HW and asked it to verify the debt, however, it never really verified the debt but still reported a collection case to all three credit bureaus and ruined my credit score. This agency was collecting the debt for XXXX at XXXX XXXX, a XXXX XXXX XXXX, and it claims that I owe XXXX XXXX XXXX XXXX  for {$2300.00}. The truth is, Hunter Warfield collected a debt that does not belong to me. The debt was to address XXXX XXXX, but I lived in XXXX XXXX.  The debt never belonged to me. Second, XXXX and I went to the Supreme Court of California and both parties have settled the case. The debt can no longer be collected by a collection agency, since it is in litigation. The settlement amount is {$2300.00}. HW was collecting the wrong balance. Third, most importantly, the Supreme Court has decided that this debt does not have a due date, so the debtor can pay the creditor anytime. However, ignoring all those facts I requested the HW to verify, HW still posted the false collection cast on my credit files. I first received the collection letter onXX/XX/XXXX, and I sent back the letter to HW to ask it to verify the debt on XX/XX/XXXX, and HW posted the false collection case on my profile on XX/XX/XXXX. It never really looked into my letter to verify the debt before it post collection case on my account. This agency has historical issues with all kinds of consumers. On behalf of XXXX XXXX XXXX XXXX, it posted all kinds of wrong collections on consumers per it 's BBB ratings. It has a C- rating and had 5-6 collection issues with consumers. Please investigate this collection agency and give me some justice. I 've already gone to the court with this business and still have to face all kinds of trouble this agency brought me. The california supreme court case number is XXXX. Please look into this agency.
Consumer complaint received 2019-11-07
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. (LA)

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THROUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2017-06-12
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NATIONSTAR MORTGAGE LLC (IA)

Okay, so I am getting  XXXX  tired of dealing with this. I filed a complaint  XXXX  after NUMEROUS attempts to get it resolved directly with the mortgage company. After having the complaint forwarded to them from you, they finally figured out they were wrong the entire time. They admitted as much in the complaint and agreed to start reporting this m onth (  XXXX  2017  ). Here is the problem, you guys just closed the complaint without asking me if it was resolved, which its not. Here 's why- I should several years of on time payments reported with this account which would significantly improve my  credit score by increasing the average length of credit accounts, and % of on time payments. So the issue is still not resolved, and i 'm trying to figure out why nobody consulted me before closing it.
Consumer complaint received 2022-09-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Goal Structured Solutions, LLC (NY)

My name is XXXX XXXX, I attempted to use a balance transfer check in order to pay Launch Servicing , LLC, but the check never reached their hands according to a representative. I contacted them by phone on three separate dates. To be specific, on the XXXX of XXXX, XXXX of XXXX, and the XXXX of XXXX. However, they all resulted in disappointment. On the XXXX, XXXX day, and the XXXX of XXXX, I tried leaving messages regarding the status of the balance transfer check and received the same reply, the check had not been received. Yet the check was posted on the XXXX of that same month! 

The check number is XXXX, posted on my credit card ending in XXXX on XX/XX/XXXX, of this year, for the amount of {$1500.00}.
Consumer complaint received 2017-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I had my ATM card and while I was on vacation in XXXX XXXX some used my card and made several ATM withdrawals and make a lot of purchases in the USA while i was still vacationing in XXXX.
The fraud took place from XX/XX/XXXX thoughXX/XX/XXXX.
ATM withdrawal {$160.00} date XX/XX/XXXX ATM withdrawal {$330.00} date XX/XX/XXXXATM withdrawal XXXX date XX/XX/XXXX ATM withdrawal XXXX dateXX/XX/XXXX ATM withdrawal {$330.00} date XX/XX/XXXXATM withdrawal {$330.00} dateXX/XX/XXXX ATM withdrawal {$400.00} date XX/XX/XXXX Purchase XXXX {$44.00} date XX/XX/XXXX Purchase XXXX XXXX XXXX {$120.00} dateXX/XX/XXXXPurchase-XXXX XXXX XXXX XXXX XXXX {$290.00} store # XXXX dateXX/XX/XXXX Purchase XXXX XXXX XXXX {$300.00} date XX/XX/XXXX Purchase XXXX XXXX XXXX {$720.00} date XX/XX/XXXX Purchase XXXX {$820.00} XXXX XXXX date XX/XX/XXXX Purchase XXXX XXXX {$850.00} store # XXXX XXXX XXXX date XX/XX/XXXXPurchase XXXX {$1000.00} XXXX XXXX XXXX XXXX dateXX/XX/XXXXPurchase XXXX XXXX {$11.00} date XX/XX/XXXX Purchase XXXX XXXX  {$26.00} dateXX/XX/XXXX Purchase XXXX XXXX {$44.00} store # XXXX XXXX XXXX XX/XX/XXXX Purchase XXXX XXXX {$94.00} date XX/XX/XXXXPurchase {$880.00} XXXX XXXX XXXX XXXX date XX/XX/XXXX
Consumer complaint received 2017-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Trans Union ( " T.U. '' ) provides is providing different credit information regarding instant consumer to different creditors. Attached is a XXXX XXXX report wherein T.U. not only provides inaccurate information, but the information being reported in the XXXX XXXX report fluctuates dramatically without just cause. 1. T.U. has deleted the Bankruptcy dated XX/XX/XXXX from my T.U. credit report, but continues to report it to XXXX XXXX on my XXXX XXXX Account. 2. T.U. currently reports that 75 % of my payments are On-Time payment, but in XX/XX/XXXX, T.U. reported that 90 % of my payments have been On-Time. Of particular importance, my T.U. credit reports indicates that I have had NO late payments in nearly 24 months. 3. T.U. reports to XXXX XXXX XXXX XXXX that my oldest credit line is XXXX years old, when they previously reported that my oldest credit line was XXXX years old. Amazingly enough, on XXXX XXXX T.U. report my oldest line of credit is only 5 years old.
Trans Union is obligated to report accurate information. 15 U.S.C. 1681e ( b ) states that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. On information and/or belief, T.U. can not be following reasonable procedures to assure maximum possible accuracy if T.U. is sending disparate consumer reports to varying creditors, XXXX XXXX, XXXX XXXX and XXXX XXXX. Clearly this is lacking in each of the reports.