davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (TN)

Citi responded to a request from a total stranger to have them mail the person my credit card. 

Citi sent them my card and the stranger put {$2500.00} on my account at various stores in person between XX/XX/XXXX and XX/XX/2023. They gave the stranger full access to my online account as well. 

I filed a dispute with Citi on all the charges last month, but Citi then closed the dispute on XX/XX/XXXX stating that they could not get a hold of me for additional information. No attempts were made to contact me by phone, email or mail. 

They re-opened the account and now the stranger is back in it and I am completely helpless to stop what they're doing. I filed a report with the FBI as the police instructed as well.
Consumer complaint received 2023-03-14
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC. (NY)

I enrolled the " Move money promotion '' from Ally bank back in XXXX last year. " Move money into eligible saving account and get 1 % bonus ''. I move {$50000.00} into my saving and satisifed all the condition by keeping the money in the account. Base on the term, I should get the bonus by XX/XX/23. I still hasn't get my bonus yet. Call them few times but still hasn't received my bonus.
Consumer complaint received 2023-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

I have federal student loans and the servicer is Mohela. On XX/XX/2023, I spoke to a customer service representative on the phone and they put in an application for the SAVE plan. On my application, I indicated I would be filing taxes as married filing separately. I was told my monthly payment would be $ XXXX once processed/approved. After a few weeks, the application was processed/approved, but for $ XXXX. When I called to ask what happened, the Mohela representative told me that everything on my application was correct, but that Mohela had processed it incorrectly- on their end, they processed it as married filing jointly, and that due to this, it considered my spouses income, which caused the payment to jump to $ XXXX. They confirmed that it was Mohela who made the error, and that $ XXXX should have been the correct payment. The representative submitted the application to be re-processed on XX/XX/2023 with a note on it about the error that was made on their end. However, my next payment is due XX/XX/2023. I check daily, but there have still not been any updates on the re-processing. I got a letter on my Mohela account on XX/XX/2023, stating that there was a processing delay and it could take up to 90 days. I feel that I should not have to pay this much, when the outrageous payment amount is incorrect and it is due to an error on their end! But it is going so slow, and I am worried it will not be processed and corrected by the time the payment is due. 
Unfortunately, since both my initial SAVE plan application and the second application for re-processing were submitted by Mohela customer service representatives, I dont even have access to a PDF copy of the submitted application. The only thing that shows on my Mohela account for documents received is the document title IDR, processing, submitted XX/XX/2023, and IDR, approved, submitted XX/XX/2023. The applications arent available to be downloaded.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 in 60 days 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 21 days before the payment due date. 


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 21 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 XXXX
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (ID)

I called XXXX XXXX XXXX for a " free estimate '' for a furnace problem as they advertised on line. They said they needed to have a credit card number to come out but they wouldnt charge my card. Several weeks late, on XX/XX/XXXX a tech came to my house. He looked at my furnace and said I needed a new motor. He did nothing to repair it and said that someone will call me with a price, then he left. He was there for 15 minutes. They said it would be {$700.00} or so. I said ok... but then they sent me a text saying it would be {$1100.00}! I sent them back a text immediately saying there was some mistake because I look up the cost of a motor on the internet and it was only about {$250.00}. So I said I didnt want the service. They then billed Discovercard for the {$1100.00} ... .later they took that off but added at charge of {$300.00}. Discovercard sent me a notice of that charge. I called them within minutes to say it was not authorized and told them the details. They said it would be investigated and they would give me a temporary credit. I kept waiting for the credit to appear. When it never did I called the XXXX XXXX on XX/XX/XXXX and spoke with XXXX she said she would fix it. On XX/XX/XXXX, XXXX I spoke with XXXX who said she would fix it, still nothing, then on XX/XX/XXXX I spoke with XXXX XXXX XXXX XXXX I spoke with XXXX and Corporate Headquarters on XXXXXXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX I called again and no claim was denied. Today I called XXXX at the Corporate Headquarters. I never authorized a charge of {$300.00}. I was never given any communication from XXXX XXXX of any amount due, I only found out about the charge thru my Discovercard account. I asked the company who was the owner, they refused to tell me. Finally, my neighbor came over feeling so horrible about what happened. He looked at my furnace and said the motor was fine. He tightened a bolt and it has been working perfectly since then. He has offered to write a statement to this affect.
Consumer complaint received 2023-03-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC (TN)

On XX/XX/XXXX, XXXX XXXX XXXX of CrossCountry Mortgage, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Tn XXXX was given permission to perform a credit application on my spouse and I for pre-approved on a FHA loan. Once CrossCountry Mortgage obtained a copy of both credit reports an agent representing CrossCountry Mortgage named XXXX XXXX contacted us. The Agent advised us that there were some things we needed to have removed from the disputes department with all three credit bureaus before approval. After starting the process of having the items removed from our credit reports the scores began to decrease rapidly within two weeks into XXXX of XXXX. Therefore, we contacted XXXX, XXXX, and XXXX on XX/XX/XXXX of XXXX, to inquire why our credit scores were taking a fall. All three Credit Bureaus advised several hard inquiries perform by CrossCountry Mortgage and XXXX XXXX was reason for the decrease in our credit scores. We advised all three credit bureaus that only one credit pull was authorize by us in order to get approval by CrossCountry Mortgage. The all three credit bureaus supplied us with dates and times The CrossCountry Mortgage performed each inquiry and mailed us paper copies of our report via USPS to our home address. Before we could address CrossCountry Mortgage to voice our concerns about the excessive inquiries made on behalf of their agent XXXX XXXX XXXX ; The CrossCountry Mortgage provided us with an email pre-approval letter on XX/XX/XXXX. Therefore, we didn't question XXXX XXXX XXXX the agent for CrossCountry Mortgage about the excessive inquiries, who was only given one authorization to pull our credit. After finding a home located at XXXX XXXX XXXX XXXX XXXX, TN XXXX, we placed a down payment of {$2000.00} dollars of earnest money for the home. Nevertheless, before closing, a vender was hired to inspect. The Veracity Home Inspection located at XXXX XXXX XXXX XXXX, TN XXXX, Owner XXXX XXXX XXXX conduct a home inspection on XX/XX/XXXX invoice to us. On XX/XX/XXXX, we received a call from a XXXX XXXX XXXX, an agent representing The CrossCountry Mortgage. XXXX XXXX advising, he would be completing our mortgage final obligations for CrossCountry Mortgage. On XX/XX/XXXX, XXXX XXXX called to say we did not meet the financial obligations due to our credit scores not qualifying. At this point we advised XXXX XXXX The CrossCountry Mortgage Company was responsible for the decrease in our credit score. Therefore, we voiced our concerns about their companys work ethics. XXXX XXXX continue with no hesitation to explain the at fault CrossCountry Mortgage and the termination of agent XXXX XXXX who is no longer with The CrossCountry Mortgage Team along with his deepest apology. On the very next day we called to speak with XXXX XXXX XXXX to file a complaint ; however, after several no contact with XXXX XXXX we sought out advise. Furthermore, the reason for filing a complaint with The Consumer Financial Protection Bureau XX/XX/XXXX.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Pursuant to 15 USC 1666B reporting agency is showing late payments that are inaccurate on my credit report without my consent. 

Reporting agency are carrying debt that they did not verify validity and has passed the reporting period and is negatively effecting my score.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (VA)

On Saturday, XX/XX/XXXX I applied for an Ulta credit card in their store in XXXXXXXX XXXX. They said because their address for me was outdated that the bank was going to contact me for more info. 30 days went by and they never did. I also received nothing in the mail. I called Ulta and was told that my credit file was locked and that I needed to call XXXX which was the only of the three agencies that showed the hard hit. I contacted them and they confirmed it was never locked and I also found this on their website when I logged in. Not to mention I had received a Victorias Secret credit card ( same company ) the month prior. I was told I needed to contact Ulta back and they would need to remove the hard hit and then I can try again to apply and they can try pulling it again ( I did not want Two hard hits, especially considering they last two years ). I was transferred to an automated line confirming that I would receive mail correspondence within 30 days from applying which clearly I never did hence my call ). I called Ulta again and again and no one wanted to help and kept transferring me to this obsolete line. I had to ask for a supervisor. I was told to write to Ulta and I waited another 30 days. Crickets. I sent them proof of the hard hit and proof of my over XXXX credit score. I also included proof that my account was not locked. I just want the credit card or I want the hard hit removed.
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 status incorrect
Company: EQUIFAX, INC. (FL)

I checked my credit and I noticed an account for XXXX XXXX in the amount of {$210.00} with the ORIGINAL CREDITOR as XXXX XXXX XXXX. First, this debt is a violation of HIPPA rights, as I did not sign a release to have my medical records, including costs, shared with any outside agency. Second, I never received any correspondence from the medical facility or the doctor after my emergency care as I made sure they knew that I was indigent and had no income. Third, I have a right to be notified with proper instructions on how to dispute, according to the Fair Debt Reporting Act. 

I contacted XXXX XXXX on XX/XX/XXXX and they responded on XX/XX/XXXX. 

XXXX XXXX responded and states : The address provided by XXXX XXXX XXXX from the visit to XXXX XXXX XXXX in XX/XX/XXXX is XXXX XXXX XXXX in XXXX. Due to the age of this account, we have chosen to close the account in our system. We will notify the credit bureaus of the closure and request they delete the record. 

I tried to submit a dispute via Equifax website and XXXX website but Im having issues verifying my identity. The questions asked DO NOT pertain to me. I DO NOT have an auto or personal loan in my name.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have never been late in making my payments. I previously contacted the company, but they did not respond to my request. I am now requesting that the late payment reported for XX/XX/XXXX be removed, as it did not occur. Thank you for your assistance in these matters. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX BALANCE {$11000.00}
Consumer complaint received 2018-07-16
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 was shocked when I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX Account : XXXX I was never late 30, 60,  or 90 days late in the months of XXXX.. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.
Consumer complaint received 2024-08-28
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. (NY)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process.
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

The total balance of the Lowes SYNCB was paid in full in XX/XX/2018. The balance still have been failed to be updated correctly of XXXX, XXXX, and XXXX. Tried to resolve with Lowes but failed to do so. I need the correct balance of {$0.00} to reflect on the credit report.
Consumer complaint received 2023-03-14
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. (MD)

A XXXX XXXX XXXX XXXX loan is erroneously appearing on my XXXX, XXXX, and Experian credit reports. According to the reports, this account was opened on XX/XX/XXXX and the current status is Late. Despite requests sent in writing via US Postal Service in XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX has failed to supply a contract to which they are a party nor any other evidence to support the claim that this account is valid. They are in violation of the FCRA, TILA, and the Gramm-Leech-Biley Act Under the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency is only allowed to furnish information about a consumer 's credit history with the consumer 's consent. Specifically, Section 604 of the FCRA states that a consumer reporting agency may only furnish a consumer 's credit report to those who have a " legitimate business need for the information '' and who certify that the information will be used for " permissible purposes. '' Section 604 also requires that the consumer be notified in writing of the request for the credit report and that the consumer has the right to know the nature and scope of the request. 

Furthermore, Section 607 of the FCRA requires that a consumer reporting agency maintain reasonable procedures to ensure that the information they report is accurate. If a consumer disputes the accuracy of any information on their credit report, the consumer reporting agency must investigate the dispute and correct any inaccuracies. 

Under Section 605B of the FCRA, a victim of identity theft can request that the credit reporting agencies block any information that is the result of fraudulent activity. Specifically, Section 605B ( a ) ( 1 ) states : " A consumer may notify a consumer reporting agency that the consumer disputes the accuracy of information in a consumer report on the consumer on the grounds that the information relates to a fraudulent transaction or to an account or to other products or services that were obtained as a result of identity theft. '' This includes items that were created by an imposter, or those that were created by the thief using my personal information. 

Furthermore, under Section 621 ( a ) ( 2 ) ( A ) of the FCRA, I have the right to submit a sworn affidavit to the credit reporting agencies stating that the information on my credit report is the result of identity theft. The affidavit should include a statement that I did not create the accounts or authorize the charges and that I am not responsible for them. I have attached a copy of the FTC 's Identity Theft Affidavit to this letter. 

In light of these laws, I respectfully request that any and all items on my credit report that are the result of identity theft be removed immediately. I did not consent to the reporting of fraudulent charges or accounts and therefore, they should be removed in accordance with Section 604 of the FCRA.
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (AZ)

On XX/XX/2023, I received an alert from Experian indicating an XXXX point drop in my credit score. The alert stated the reason as a 30 day late payment. My accounts are paid as agreed and no late payment of any kind exists. Additionally, there is no record of any creditor, loan, organization, or other entity associated with the late payment. No other credit bureau reflects this information, and my score with XXXX and XXXX remains unchanged. I have repeatedly contacted Experian. They have refused to correct the error. They have refused to allow a formal dispute because no actual record of the late payment exists. In every communication with Experian representatives, they have agreed that the score decrease is erroneous, however they refuse to correct the score simply because they dont know how. The last representative I spoke to literally stated You didnt deserve this, but we are unable to do anything to correct it because there is no record to dispute. I have reached a stonewall after hours on the phone attempting to resolve this issue with Experian and hours communicating with my financial institutions to confirm that the negative information was false. Thank you for your time in this matter.
Consumer complaint received 2023-03-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to E-Oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for :