davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
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. (NC)

Recently I did an investigation on my credit report and found several items that were inaccurate.Under 15 U.S code 1681e ( b ) accuracy of a report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information possibility accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. in accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.PLEASE DELETE IMMEDIATELY IT HAS ALREADY BEEN DELETED BY OTHER BUREAUS PLEASE DO THE SAME THIS IS ILLEGAL AND NOT MORALLY RIGHT.
Consumer complaint received 2024-11-22
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: CITIBANK, N.A. (MD)

To whom it may concern at citi bank In response to your letter sent This will be my last message to you so rejoice, but I will not fail to let u know that you have failed me as a bank.

You seem to blame everything on me with excuses that information I provided was wrong ( recipient name and account number ), but you have failed to take responsibility for your own mistakes- As a bank which I use to trust and with your years of experience in banking- Are you not suppose to know that an account number is wrong or right? especially when the digits are short some numbers or realize that account numbers are usually XXXX, XXXX or XXXX digits? - is this the first wire transfer you are sending to XXXX? Are you a amateur bank? Do you not know that XXXX transfers may require transit number from your so many years of experience? If you have to wire a transaction with the wrong account number before u can realize that it is wrong then you are an amateur bank and what ever system you are using XXXX you are not really an experienced bank like u claim. You blamed it all on me -Citi bank you should take responsibility too and refund my money because it is your fault and you should know better- my account number is accurate - only the transit number was not added which Citi bank did not produce a column for me to add it - Citibank pls take responsibility for your mistake -get a better system that works - your system XXXX- it is designed more to steal from me than to figure out accurate transaction processes. I hate your bank now
Consumer complaint received 2016-06-30
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE (LA)

I was interested in opening a credit card account with UPromise by Sallie Mae, so I filled out the appropriate information so that they could run an instant credit report check. After the check I was approved, and offered a contract of 14.24 % with a {$2000.00} credit line. When I received the card and terms in the mail the contract had now been adjusted to 23.24 %. I immediately called their service number and informed them I had been promised a 14.24 % contract. They offered no excuse except to close the account for me. After closing the account they told me to destroy all documents and emails that I had pertaining to the account and card.
Consumer complaint received 2015-05-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (WI)

I have previously contacted US Bank in reference to monthly account maintenance fees. I learned that the minimum account balance to avoid the fee is {$1500.00}. Despite having this minimum balance, on XXXX/XXXX/2015 I was charged this fee. This is in addition to XXXX previous months where I was charged, and US Bank had to waive, this fee. In this circumstance US Bank has declined even after multiple attempts to credit this fee despite it being charged due to bank error. This is a predatory fee that is being charged in error and must be credited. 

The reason this account was left open with the balance was that US Bank sent me a promotional email titled " {$5.00} For XXXX ''. This is essentially where if I used my bank account for XXXX bill pay payments in the month of XXXX I would receive a {$5.00} account credit. I reviewed the fine print in the email and proceeded to schedule bill pays through US Bank 's website. I met all requirements that were laid out in the initial marketing email. I contacted US Bank on XXXX/XXXX/2015 to inquire why I have not received this {$5.00} promotional credit yet. In the reply, US Bank stated that there were additional requirements that I had not met. I went back to review the marketing literature again ( promotional email ) where no additional requirements were disclosed. This constitutes an unfair, abusive and predatory practice to enforce terms and conditions that were never provided to begin with. As all initial requirements were met the {$5.00} must be credited to my checking account.
Consumer complaint received 2016-03-30
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc. (TX)

I am getting numerous calls a day from Cons. They call my work, cell and home loan. I am working with a debt consolidation company and they are refusing to work them. I have a stressful XXXX coming up and they just keeping harassing me. In XXXX hour they called XXXX times and I talked to them each time and they ask for the same thing.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (DC)

I recently reviewed my credit report and notice I had fraudulent Inquiry on my report. Please remove this Inquiry from my consumer report. It is hurting my ability to obtain credit. 

XXXX : XXXX - XX/XX/year>
Consumer complaint received 2024-10-22
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. (CA)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2016-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (KY)

I have been paying on my mortage for twenty years and instead of going down it has gone up. I got my mortage statement today and it tells me why. Principal=XXXX, interest=XXXX, escrow=XXXX which comes out to be my payment of XXXX. There 's something wrong with this picture and no wonder my mortage is not going down. My interest rate is suppposed to be 5.125 %. I have been paying on this house for at least 20 years and my mortage has been sold at least once a year. I 'm totally fustrated with all this and I am now XXXX and still trying to work to meet this high house payment. please help.
Consumer complaint received 2024-08-28
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. (FL)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-10-22
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. (GA)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is a formal request for re-investigation because XXXX ( XXXX XXXX  XXXX ) remains in violation of the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 2 ), which requires data furnishers to report accurate and complete information to credit reporting agencies. Despite the balance on this account being settled and reported as {$0.00}, the payment status continues to be inaccurately reflected as " Charge-off. '' This incorrect reporting misrepresents the true status of the account, which has been fully resolved. The failure of XXXX to correct this reporting is a violation of their legal obligation under the FCRA. Additionally, under FCRA Section 611, I have the right to dispute inaccurate or incomplete information on my credit report. The current charge-off status is misleading and should no longer apply to this account. It is imperative that this status be deleted, as it incorrectly portrays unresolved delinquency despite the account being paid. 
Furthermore, FCRA Section 609 entitles me to verify the accuracy of all information being reported. Upon reviewing the information, it is evident that XXXX is not in compliance with its obligation to maintain accurate and up-to-date records, and the charge-off status must be corrected. Reporting this account as a charge-off after it has been settled and closed is harmful to my credit and incorrect. I am requesting an immediate re-investigation and that the inaccurate charge-off status for XXXX ( XXXX XXXX XXXX ) be removed from my credit report. This status is both inaccurate and incomplete, and its continued presence violates the FCRA. I look forward to receiving confirmation that this charge-off status has been deleted.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late ! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2017-06-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

XXXX   XXXX   XXXX   XXXX  has reported that my Auto Loan #  XXXX  was 30 days late in the month of  XXXX   2017  and  XXXX   2017 . There has been several adjustments on my account due to them misapplying my payments ; therefore, the statements I have been receiving are not accurate. I have been paying on this loan for the last 2 years and I have never been late and they are stating that they are not able to make any adjustments because they are reporting accurately even though the representative that I spoke with clearly informed me that my payment was indeed not 30 days late.   XXXX  I have reached out to them on several occasions to have this resolved and I submitted a dispute with th e Credit Reporting Agency  as  XXXX   XXXX   XXXX  told me to do ; however, they are still not updating the reports which is causing an adverse affect on my credit score at the moment.
Consumer complaint received 2016-12-19
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (MN)

Synchrony Bank of XXXX Florida created a fraudulent bank account in my name and issued an Amazon credit card that was used to purchase a XXXX laptop computer. I was never contacted about the creation of this bank account or issuing of the credit card.
Consumer complaint received 2016-03-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TCF NATIONAL BANK (MO)

I bank at TCF Bank in Minnesota. I purchased a laptop from an international seller, which resulted in me being charged an international fee. When balancing my checkbook, I did n't account for the international fee which resulted in me being overdrawn by {$6.00}. I was then charged a {$37.00} overdraft fee on top of it. I went into the branch and called the customer service line and they just explained that the policy is to charge anything over {$5.00}. I VERY rarely overdraw my account, and thought the bank would take care of its customers in a better manner than charging {$37.00} for an overdraft of less than {$7.00}. In addition, I made a cash deposit the very next day to cover the overdraft situation because I do n't like ever being in an overdrawn situation. This seems outrageous, and I believe the Truth in Savings regulation should be updated to no longer allow any overdraft fee greater than the amount actually overdrawn.
Consumer complaint received 2015-07-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

My current mortgage company - Greentree Servicing LLC has been increasing the money needed for escrow every year, but it turns out they never used the money to pay my tax bill for the last few years. In addition, the did not pay my homeowners insurance last year. I discovered this when I went to refinance with another company. I now owe, back taxes, homeowners and GreenTree Financial took all of my escrow money. I even overpay each month, yet they are requesting more money for me to buy out my loan. What happened to the money that went to escrow each year? Why did they tell me I had to pay more money for my escrow account, but they never used the money for my taxes or my homeowners.
Consumer complaint received 2016-03-29
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NJ)

I made my payment to my Citibank MC on the due date of XXXX XXXX, 2016 through the phone system and received a confirmation number of XXXX. However, I was very surprised when I called to make my payment on XXXX XXXX, 2016 to find out I was charged a late fee of {$25.00} for my payment on XXXX XXXX, 2016. I called and the Agent told me the payment was received on XXXX XXXX, 2016 and not on XXXX XXXX, 2016. I told him I received a confirmation that the payment was made on the due date of XXXX XXXX, 2016. As I usually make my payment on the phone system the XXXX of every month.
Consumer complaint received 2015-07-14
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (OH)

My husband who was a XXXX used my credit card to buy a part. And then lost his job. So the CC came last on the list. I was a XXXX card with an available balance of of XXXX. I have had this dispute since XXXX 2014 which is past the 30 days. Now 14 months later I am trying to buy my first home. I have called to try resolve this but they are not will to come off of the fees and added charges. I do not think I should have pay all profit they are gaining from this bill
Consumer complaint received 2016-12-18
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (MO)

Lowes consumer credit card website routinely attempts to make consumer credit card statement payments " minimal amount '' or defaults payment dates to the last day prior to becoming delinquent in an attempt to increase revenues from late payments and interest. Multiple times I have selected the " pay current balance '' button on their bill pay site only to have the next page " confirmation page '' select the " minimum payment '' amount. I believe this is intentional and an attempt to increase revenue from interest.
Consumer complaint received 2016-01-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc. (TX)

I was scammed into buying what I thought was a one-year contract for XXXX. After one year my bill went from {$30.00} to XXXX. I told them unless they could put me on a cheaper plan I would have to cancel my service. They did not object, or give me any options, so I called XXXX XXXX and got a lower cost plan from them. I called XXXX and told them I wanted to cancel my service. Then I was told that I could not cancel without a fee to cover my TWO-YEAR contract. When I told them I did not have a two-year contract, they told me I did have one and that I could have gotten a cheaper plan with them.. But it was too late as I had already agreed to a plan from XXXX XXXX. 

Now a collection agency, CBE Group, is trying to collect {$220.00} from me and I ca n't afford to pay them. The letter contains this notice, " Unless you notify this office within thirty days after receiving this notice that you dispute the validity of this debt or any portion there of, this office will assume this debt is valid. If you notify this office in writing within thirty days after receiving this notice, that you dispute the validity of this debt or any portion there of, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment of verification .... '' I can not pay, and need help.
Consumer complaint received 2017-06-28
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. (GA)

I am a former student in XXXX GA, I was attending XXXX XXXX and had to drop out for a few semesters due to illness I have been paying on my student loans through Navient. I am currently seeing that there is a lawsuit against Navient. I am still currently paying them and want to make sure that I am not paying them for no reason. Can someone please assist me with this