davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank Of America  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX   XXXX  BOA Case numbers :  XXXX   XXXX   XXXX  Bank of America declined to refund these  XXXX   erroneous cha rges from  XXXX  totaling  XXXX  or {$160.00}.     BOA asked for a copy of the cancellation : I have no copy of a cancellation. No merchandise or service was delivered. The booking still shows up on their website but I have no physical ticket to return.     BOA asked about my attempts at resolution : The transaction was done entirely online so I had no personal contact with anyone from  XXXX  during the booking process. I attempted to cancel the incorrect booking many times beginning the following day,  XXXX   XXXX    XXXX  . ( Within  24 ho urs of their email. ) I called their customer service number for the  XXXX  at  XXXX   XXXX . I do not have all the names of the numerous representatives and supervisors I spoke with throughout the next weeks. ( They offered only first names. ) The response of each person was only to repeat what it says on their website.   Re-booking charge :    XXXX   XXXX    plus fare difference Refund not possible note : I fully understand the policy of non-refundable fares. However what they are offering to deliver is not what I ordered. ( For example, if I ordered a non-returnable refrigerator online - and the merchant bills me for a television - I would not accept it! ) BOA asked me to describe the specific problem : I attempted to purchase from  XXXX   two  one-way airline tickets from  XXXX ,  XXXX  to  XXXX ,  XXXX  for  XXXX   XXXX ,   XXXX  , and because they were less expensive I scrolled to, and chose  XXXX   XXXX ,   XXXX  . Checking their website the following day I found reservations were mistakenly listed for travel on  XXXX / XXXX /  XXXX   (  XXXX  for  XXXX   XXXX ,   XXXX   ).   I called  XXXX  immediately to ask that they correct their error . ( See results above ) Our  international flight from  XXXX ,   XXXX   to  XXXX ,  XXXX  does n't leave until  XXXX   XXXX ,   XXXX  . We will still be here in  XXXX  on the date they have reserved.   Thank you,  XXXX   XXXX
Consumer complaint received 2023-03-13
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. (FL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 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
Consumer complaint received 2017-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

CITIBANK- I made an online payment XXXX from my Bank ( as per normal practice many times ) - date- XXXX XXXX 2017. For some unknown reason Citibank did not apply those funds to my CC statement. YET- it was taken from my bank - I have all the transaction ID 's to show for this. Yes- there were sufficient funds in my bank account.YES they sent me an email confirmation. After NUMEROUS calls and on-line chats- Citi have not explained why the funds were not deposited to my CC nor can they can confirm where said funds are. One call agent advised it has definitely been returned to my bank on the XXXX but it has n't. I am getting conflicting reports on where the XXXX is or why indeed it was not accepted. I make these payments via this online system every month since joining Citi Credit Card.I reported this to XXXX but they insist no money has been returned and the XXXX was paid to Citi via ACH on line payment and i have to fight it out with them. As of today 's date XXXX/XXXX/2017 my last chat online advised ( brief version ) replies with another conflict of information " Citi will tries to pull the funds for the three time from your checking account -we have placed a hold on this payment until it has cleared the bank. We expect the payment to clear and post to your account on XXXX/XXXX/2017 ''. REALLY!! how can they hold my funds in Limbo for over 7 days? and am I to really now wait ti see if it magically appears on the XXXX XXXX. I am somewhat appalled, frustrated and upset with this situation. Any advice would be most appreciated. THANK YOU
Consumer complaint received 2017-05-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (MD)

On or about  XXXX   XXXX ,  XXXX , I applied for a new conventional mortgage loan as a first-time home buyer through Citi-Mortgage and was assigned a new application number  XXXX . On  XXXX   XXXX ,  XXXX , after obtaining and reviewing my credit history and income,  Citi-Mortgage  notified me that I was " Credit & Income Approved. '' This notification was followed by a formal    Credit & Income Approval letter as well as the Pre-Approval letter. I was advised however that this approval was " good for 120 days. '' See Attachment A.      On  XXXX   XXXX ,  XXXX , I requested an updated pre-approval letter. On  XXXX   XXXX ,  XXXX , another representative at Citi-Mortgage was assigned and provided another application file number  XXXX , and stated as follows : " The 120 day period for your original pre-approval has expired. I can update this no problem, but I would need your permission to re-pull your credit report. Please let me know if that is OK. If so, please let me know if there has been any changes to the following : Current addres s Employer Income Asset b alances I can update your file and send the pre-approval letter to you tonight. '' After providing permission to pull the credit report and disclosing information about my race,  color, sex , marital status and age, on  XXXX   XXXX ,  XXXX , the representative stated, " I do see student loan debt on the report we pulled back in  XXXX  but it did not inhibit your approval. If it is in error, we can remove it from calculations regarding debt to income ratios but I can not do anything about having it removed from your credit report. '' See Attachment B.     Therefore when the conventional mortgage loan was given both credit and income approval in  XXXX   XXXX , the student loan that was appearing in the credit report then " did not inhibit '' my approval. However, on  XXXX   XXXX ,  XXXX , the pre-approval for the conventional mortgage loan under application file number  XXXX  was denied on the sole basis of my rac e, color, sex, marital status a nd age. See Attachment C.     There were no change in circumstances between the approval on  XXXX   XXXX ,  XXXX  and the subsequent adverse action on  XXXX   XXXX ,  XXXX . Therefore, the only basis for the adverse action was based on a discriminatory purpose such as race,  color, sex , marital status and age, in direct violation of the Equal Credit Opportunity A ct ( " ECOA  '' ).
Consumer complaint received 2017-05-05
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. (VA)

XXXX XXXX dob XX/XX/XXXX SS # XXXX XX/XX/XXXX XXXX and XXXX and Equifax will not investigate the correct my credit report. I have send them many letters to correct my XXXX account and they have failed to do so, so I am submitting docs the prove my account with XXXX is closed and has a XXXX balance.
Consumer complaint received 2017-05-05
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. (VA)

XXXX   XXXX   dob   XX/XX/XXXX  SS #  XXXX   X/X/XXXX  Transunion and    XXXX   and  XXXX  will not investigate the correct my credit report.     I have send them many letters to correct my  XXXX  account and they have failed to do so, so I am submitting docs the prove my account with  XXXX  is closed and has a   XXXX   balance.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

To whom it may concern, The credit bureaus continue to disregard the law. I showed them multiple times how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus are required to modify or delete accounts that are not reporting accurate information.

According to 15 USC 1681b ( 1 ) the credit bureaus do not have written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 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.

( B ) Reporting information after confirmation of errors. 
A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact accurate. 

The credit bureau has no respect for laws, and I expect them to be held accountable.
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I notified Experian credit bureau that accounts had been open fraudulent in my name and they still have not remove the fraudulent accounts from my credit report. I submitted a police report, drivers license, social security card, bank statement, and a sign notarize affidavit form to Experian more than four ( 4 ) months ago and still no changes. I first notified Experian over 4 months  ago. I will like for the fraudulent accounts that do not belong to me to be remove as soon as possible. Thank you
Consumer complaint received 2019-10-22
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. (NY)

Please delete this inaccurate information from my report. first premier XXXX  XXXX cbna XXXX XXXX. I don't have or never have XXXX and I never was late on anything I just saw this contacted cards they said its too late. Please help
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello I have lates on credit cards XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX collection? I don't owe XXXX this is incorrect. Its illegal I know my rights, XXXX IS A BIG BULLY. YOU CALL AND THEY TELL YOU PROVE IT. I researched and saw itls illegal to put incorrect information on your report. I filed several FTC reports. Im tired this is ridiculous. How can these banks do this? XXXX isn't my account I want it removed. Thank you I need your help please
Consumer complaint received 2019-10-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (UT)

They call 4 times a day they sometimes call before XXXX XXXX or later than XXXX XXXX they try to verify over ssn number and refuse to tell you anything until you give out your ssn and refuse to give out there name they call multiple times a day every day except Sunday they have multiple different numbers they call from some local others non local
Consumer complaint received 2019-10-22
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: Experian Information Solutions Inc. (IL)

Attempted to remove this fraudulent account before to no avail even after i submitted documents and ask for proper proof of methods used in this investigation and now i have gotten the XXXX police as well as the FTC involved with there own Identity theft fraud report.
Consumer complaint received 2019-10-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (IN)

The Collection Agency, LVNV Funding has illegally reported a loan debt from a company known as XXXX XXXX. They are claiming that I owe them money on a loan that I NEVER took out. Last year, I filed a police report on this matter, it was later resolved and now, this company is attempting to to EXTORT reporting this debt to the Credit Reporting Bureaus as an outstanding debt that is owed to their company. I have not applied for or signed any documentation with this company and I most DEFINITELY OWE THIS collection Agency, NOTHING. 

Once the debt has been removed from the credit bureaus, they are reporting it again, under a ( sub ) name. 

Example : LVNV FUNDING ( COLLECTION AGENCY ) Below are the sub names that are being used ILLEGALLY to report to the bureaus extort consumers out of money that is not owed to them : XXXX XXXX XXXX XXXX ( This was the first sub company name under LVNV FUNDING that used a few months ago in their extortion attempt ). 

*RESURGENT CAPITAL SERVICE LP ( This is the current name that they are illegally using to fraudulently report information to the bureaus ). 

I sent them a certified letter last week, my next step is to file a Police Report against this company and the owner for extortion. I will also be filing a complaint the the Attorney General and the Better Business Bureau. Lastly, I have spoken with an attorney and I will sue them if it becomes necessary.
Consumer complaint received 2019-10-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ( cell ) XX/XX/XXXX Via Certified Mail, Return Receipt No. XXXX XXXX XXXX XXXX XXXX FAMS - Financial Asset Management Systems , Inc . 
Attn : XXXX XXXX VP Operations XXXX XXXX  XXXX XXXX, GA XXXX AND Via Certified Mail, Return Receipt No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FAMS Registered Agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Notice to Rescind Settlement Agreement Dear XXXX, Please be advised that I am rescinding the settlement agreement made with your company for the following reasons. I agreed to a reduced settlement plan with your company last week and paid {$100.00} down using my Visa ending in XXXX. Your company was told at the time that the agreement was contingent upon my receiving the agreed settlement terms in writing within 24 hours. After I did not receive a copy of the receipt detailing my telephonic payment or a settlement agreement as promised, I called back the next day to inquire about when I could expect to receive the settlement agreement and a copy of my transaction receipt. I provided both an email and a fax number. 
As of the date of this letter, you sent one letter dated XX/XX/XXXX still showing a balance of {$54000.00} and a payment due XX/XX/XXXX in the amount of {$500.00}. The letter is attached for your review. The letter does not contain any receipt or acknowledgement of my {$100.00} payment and it does not contain any of our agreed upon settlement terms, include the total amount of the settlement and the agreed upon monthly payment amounts. I still have not received a copy of my transaction receipt for the {$100.00} I paid towards consideration of the settlement agreement. I also have not received the settlement agreement as promised. 
At this time, because of your companys deceptive and unfair debt collection practices and because you have breached the terms of our verbal agreement by not providing terms in writing as requested or a copy of my receipt, I do not feel comfortable proceeding with any payment arrangements made with your company. As a result, I am hereby rescinding any agreements made with your company to settle this debt and hereby revoke any promises of future payments made as a result of this verbal agreement, effective immediately. You do not have authorization to debit any of my financial accounts, including but not limited to my debit card ending in XXXX. I hereby dispute the validity of the debt described in your letter dated XX/XX/XXXX, a copy of which is attached for your convenience, and I demand a refund of the {$100.00} made with my Visa card ending XXXX, within 48 hours of your receipt of this notice. 
Regards, XXXX XXXX. 
Cc : Consumer Financial Protection Bureau
Consumer complaint received 2019-10-22
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NC)

I am not able to obtain housing because Navient is reporting 3 late payments on two different loans for a total of 6 late payments. I lost my job in XX/XX/2018. I became XXXX in XXXX 2018. I am a single mother. I recently gained full time steady employment and I have attempted to obtain housing and I am unable to because of these late payments. I was working less than 30 hours a week for the last year and I am still XXXX. I was on unemployment from XXXX XXXX  to XX/XX/2018 and I was on public assistance for even longer than that. I received these late payments during a time when my focus was on providing for me and my child. My unemployment forbearance was granted in 2018 and back dated but the late payments are still being reported. I have tried to resolve this issue with Navient and have not been successful.
Consumer complaint received 2019-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (MA)

TD Bank has charged me a {$25.00} maintenance fee every monthly billing cycle since XX/XX/XXXX through XX/XX/XXXX. By my calculation this is {$300.00}. When I opened my account with XXXX XXXX ( which was acquired by TD Bank ),  approximately 15 years ago there was no minimum balance requirement. I asked for the {$300.00} to be refunded, TD Bank replied that I needed to look at my account sign up agreement ( from 15 years ago ). They credited my account {$50.00}, so I am still missing {$250.00}. I believe TD Bank wrongly charged me low balance maintenance fees that were counter to my agreement with them. I would like the bank to refund the balance of the fees that they have charged.
Consumer complaint received 2022-11-14
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-10-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (AL)

XXXX sold my mortgage to Specialized Loan Servicing on  XX/XX/2019. Since XXXX, Specialized Loan Servicing has repeatedly refused my mortgage payments. They have  inaccurately changed the amount owed to reflect a significantly higher amount. The escrow itemization is also wrong. I emailed and repeatedly called SLS attempting to pay and explain the inaccuracies without success. I even emailed the CEO asking for his assistance to correct our escrow and accept payment. I received a reply from his email stating he was on vacation and would respond when he returned. Unfortunately he never responded. Our home 's value is almost {$100000.00} more than what we owe SLS. The law firm XXXX XXXX XXXX XXXX located in XXXX is representing SLS, and auctioning our home tomorrow at XXXX XXXX in XXXX county, Alabama. Last month, I was forced to file the attached lawsuit because SLS refused to accept our payment and explain to us why we owe the inflated amount. In XXXX, XXXX and XX/XX/2019 I was told by SLS representatives repeatedly they didn't have all of the documents to confirm the accurate amount which is why they couldn't accept my payments. How could they foreclose on my property when they admitted to not having the proper documentation yet from the recent sale from XXXX? It has come to my attention that an associate of XXXX XXXX XXXX XXXX has a vested financial interest with Specialized Loan Servicing. Is that a conflict of interest? It appears SLS purchased my mortgage with the expectation of foreclosing on my property without allowing me an opportunity to question the inconsistencies. I argue that our lenders and servicers have exploited our mortgage account for financial gain with intent to cause my family financial harm. I ask CFPB to fully investigate this matter, and know that I am prepared to pay what I accurately owe. I beg for your immediate assistance investigating this matter to the fullest extent possible.