davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion is reporting a payday loan from XXXX on my credit report which it has been reporting since XX/XX/XXXX. I am a resident of Pennsylvania and according to Pennsylvania law it prohibits payday lenders from charging interest rates and fees that aggregate in excess of 6 %, pursuant to Section 201 of the LIPL, 41 P.S. 201. Any unlicensed payday lender engaging in internet lending to Pennsylvania residents is not authorized by Pennsylvania law because it violates the CDCA and the LIPL. According to my credit report my amount borrowed was {$800.00} and I was due to pay {$1300.00} back which I 'm sure is well over 6 % which would make this loan illegal. I have disputed this account with Transunion numerous of times over the past 2 years and it has been verified every time. In XX/XX/XXXX I mailed my dispute in stating that this loan is illegal which made it void and unenforceable and should not be reported but Transunion would not delete the account. About 40 days later I mailed in a follow up letter to the company and CEO of the company yet this account still remains. I would like to know what type of investigation Transunion did for my dispute because according to the Fair Credit Reporting Act all information reported by a credit agency should be accurate. I understand that Transunion relies on information from the furnishers but if I notified them numerous times that this account was illegal Transunion should have reviewed its procedures to ensure accuracy. I believe that Transunion is in violation of the Fair Credit Reporting Act and I am requesting that this XXXX be deleted from my credit report immediately.
Consumer complaint received 2016-08-26
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (AZ)

We entered into a bankruptcy, and our loan was being serviced by XXXX XXXX. During the bankruptcy, they sold the loan to Selene Finance. Unknown to us, the payments kept going to XXXX and were never picked up by Selene, so our house started to go into arrears on payments. We finally ended the bankruptcy, and had over {$29000.00} in arrears with Selene! We showed them the payments that were made to XXXX, and the payments that were supposedly made to them, but they continued to claim we were at fault. We had to enter into a repayment agreement with them in order to keep our house. The payments were double the regular mortgage payments, and the bookkeeping of how they applied the payments was unbelievable. They even added special " corporate '' fees that we never knew about or received an explanation of. These fees were applied to our loan during bankruptcy, and outside bankruptcy during our repayment. We could n't make sense of how they were applying payments, and each month, the balance of the original arrears seems to go higher, and then drops, and then goes higher again. 
We have broken down our payments, provided proof of payments, and even put together a spreadsheet outlining our true arrears. They ignored us. We called several times, and after a while we started to get automatically transferred to a voice mail box. Now after reading all the other horror stories we are worried that even after our repayment plan is done, will they come up with another method to try and make us lose our home? The mortgage statements do not reflect the payments we are making. 
During our bankruptcy we were not allowed to contact creditor and statements online did n't reflect. They did not follow the below rule : New rules effective XXXX XXXX, 2014 require that if mortgage lenders provided monthly statements before a case, they must continue providing statements during the bankruptcy case. These rules were promulgated by the Consumer Financial Protection Bureau ( CFPB ) pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act. 

What were afraid of even after we go through this payment schedule. Are they allowed to make up new fees and we still end up losing our home. I say that because of the phone the harassing phone calls were receiving and mortgage statement that go up and down consecutively
Consumer complaint received 2016-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I 've notified, disputed, and re-disputed to each and all XXXX credit bureau 's to accurately and correctly report that my XXXX was Paid-in-Full. All XXXX bureau 's have XXXX different and varying reports listing paid-less-than-full-balance, collections, or unpaid outstanding balance, which pushed into XXXX XXXX - XXXX XXXX, causing severe and discriminating consequences from a rental apartment company. Additionally, XXXX has also failed to update and/or notify or the XXXX credit bureau 's have failed to update their records citing XXXX60 days late, when in fact that should be XXXXNever Late.
Consumer complaint received 2016-01-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

A fraudulent debt was assigned as an adverse account by TransUnion. A police report was filed an a copy sent to the collection agency used XXXX XXXX XXXX, but TransUnion will not remove the fraudulent address and telephone number that were used for the services or the adverse account, from our personal information in their system. A copy of the police report is attached.
Consumer complaint received 2016-07-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: REGIONS FINANCIAL CORPORATION (TX)

The servicing of my account was transferred to Regions Mortgage in XXXX of 2016. They have not appropriated any of the XXXX payments to my mortgage correctly. They have cashed the checks on time on XXXX occasions. Proof of canceled checks are attached. The first month they actually provided me a refund for a double payment because i went onto their portal and made a payment to insure I would not be late. It took multiple phone calls submission of cancels checks and a couple of weeks to get remedied. They have since not recorded any of my other XXXX payments XXXX and XXXX although they have cashed my checks on time each billing cycle. I wish for Regions to take immediate action to remedy this to insure this is not effecting my credit as I am under contract to purchase a piece of real estate and will be applying for credit on Monday XXXX XXXX. I will not be able to do so with a blemish on my credit report. I look forward to an immediate resolve to this matter.
Consumer complaint received 2015-07-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I assume this is a energy company. Not sure what state it is in but I have never has service with XXXX energy. I was living in Ga at the time they reported the service and I do not believe this company services the Ga area.
Consumer complaint received 2015-06-25
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (TX)

Ally 's auto loan settlementAlly 's markup policy resulted in XXXX, XXXX, XXXX and XXXX XXXX borrowers paying more for auto loans than similarly situated non-XXXX borrowers. 

Ally charged late fees when they agree to put payments at the end of the term without late fees, they have charged a total of {$760.00} after I made last payment online and Ally took the XXXX XXXX payment option off their pay web site in XX/XX/XXXX and could not make anymore payments. Ally charge late fees on XXXX XX/XX/XXXX XXXX of {$1600.00}
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX, XXXX  XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2023-04-24
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. (FL)

Dear CFPB : I have disputed the inaccurate accounts within my credit report for almost 5 years now. Every time I dispute is sent in with attaching documents, the credit bureaus dont hesitate to send responses in the mail and or email saying ALL ACCOUNTS ARE VERIFIED AS ACCURATE. Well, how accurate are they XXXX and TransUnion? 

XXXX has also stated in their disputes that they will NOT be investigating these accounts anymore because they have been previously verified by the furnisher. This is a violation of the FCRA and Im demanding {$1000.00} fine be paid to be for each account that was not investigated as well as the inaccurate information within. 

XXXX lists XXXX as having payment history but TransUnion doesnt show any payment history. Whose correct? 

Next, XXXX lists XXXX XXXX with no payment history and no date that the account will fall off my credit report. Why and how is this account accurate? Where is the ON RECORD UNTIL date XXXX? Or do you plan to keep this on my credit report forever? 

Third, TransUnion lists XXXX with no payment history but XXXX has payment history. Whose correct? These are answers that Ive been trying to get for over 5 years now to no avail. 

Lastly, TransUnion lists XXXX XXXX with 6 months of payment history for an account that was in good standing and open since 2016. Where is all the other years of payment history TransUnion?? 

These accounts are clearly inaccurate. Both XXXX and Transunion can not be correct. Someone has to be wrong here. 

If the same information is being reported by the exact same data furnisher, why are these accounts not showing the same information? Why are there errors and discrepancies? 


I DO NOT want another reinvestigation done because you supposedly verified these accounts as accurate. Now Im demanding {$1000.00} for each account listed and the immediate deletion of the accounts mentioned above. Failure to do so will results in me taking a higher action. 

Respectfully submitted, XXXX XXXX XXXX
Consumer complaint received 2017-03-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (WA)

My escrow account monthly payment has increased over {$120.00} in a 2 year span. I 'm in the mortgage industry so I 'm not confused, however Nationstar Mortgage is. They are an extremely poor servicer. They 're excellent at obnoxios/unnessary harassment of very good accounts but other than that they are pariahs. Long story short they have butchered my annual escrow analysis ( again ) and now are mandating that I pay an additional {$70.00} a month this year in addition to the {$50.00} increase last year. Yes my taxes have increased moderately but my payment now should be worst case {$900.00} a month and it is now, due to their incompetence, {$980.00} a month starting next month. Contacting them is a total waste of time so I 've resorted to complaining to the CFPB. Again they are excellent at actually reminding you of payment due 10 days in the future but other than that they are a liability as a mortgage servicer to the industry ... .and they do n't give a XXXX. I would like to force them to make an appropriate escrow analysis and correct their foul up.. Ultimately I 'd love to see them barred as a servicing candidate.
Consumer complaint received 2015-06-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (AZ)

I switched carriers for my cell phone in the last month of my contract. The plan was supposed to pay down the penalty every month for early termination. I was only to pay {$50.00} if anything, {$10.00} per line plus my balance which was approx {$350.00}. I got my bill showing an {$800.00} balance and when I called to talk with someone at XXXX XXXX XXXX they hung up on me numerous times while transferring me and then told me my plan had changed but could n't give me specifics. Now my credit report is reflecting XXXX XXXX accts for the same amount and XXXX for XXXX wireless which is the same acct. how do I get this resolved? It shows I owe over {$2500.00} for an {$800.00} balance because XXXX separate reports.
Consumer complaint received 2015-07-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MD)

This complaint is against XXXX and Equifax and XXXX XXXX. XXXX XXXX reported to XXXX Equifax and XXXX to delete the credit card account noted above from your credit file. " In the process XXXX XXXX associated my SS # with my mother 's name and vice versa. A complaint is currently on file with Consumer Finance # XXXX regarding above-mentioned. As of today XXXX/XXXX/2015 under personal information for myself, Equifax has listed " formerly known as mother 's name ''. XXXX has mother 's name associated with my credit file. We are now in a much bigger situation, I believe with Privacy Act Laws. I have been put on hold for financing for a Mortgage Loan. Because of this situation I have also lost the opportunity to access Federal Funds to help with closing costs. This all starts with XXXX XXXX and the way information was reported to the Credit Bureaus but the Credit Bureaus will not accept documentation from me or my mother to correct this error and XXXX XXXX seems to be all over the place. I feel like no one is doing anything. These are errors that have created an identity issue. If I dispute my credit file I risk the dangers of scrutiny by Underwriters and if I do n't dispute who helps? This is a major issue that needs to be rectified immediately not in XXXX days.
Consumer complaint received 2016-03-10
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (CO)

On XXXX/XXXX/2016 I received by postal mail from an organization called AFNI and demand that I pay {$160.00}. The demand said vaguely that the obligation stemmed from " XXXX, formerly XXXX '' but lacked any other documentation, evidence or proof. I responded with a letter, sent certified mail, on XXXX/XXXX/2016 saying I had no knowledge of any such debt, and demanded documentary evidence. The Post Office advises my letter was delivered on XXXX/XXXX/2016. As of this date, XXXX/XXXX/2016, I have received none of the requested information, or any other communication, from AFNI. We have followed up with a second letter to AFNI, noting no response to our first.
Consumer complaint received 2016-07-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (AL)

I am filling this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verifty the accounts i disputed.Being that they have gone pastthe 30 day mark and can not verifiy these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to -- -promptly delete all information which can not be verified.that i have desputed.Please resolve this manner as soon as possible.Thank yoi.
Consumer complaint received 2016-12-22
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: Fidelity National Information Services, Inc. (FNIS) (SC)

I tried to purchase my glasses at XXXX in XXXX, XXXX. It was denied on my account with XXXX Bank, by Certegy. My account was and has always been in good standing and it was embarrassing and completely unnecessary for them to deny it.
Consumer complaint received 2016-06-06
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

Hi, I have a Macy 's Star credit card since 2012. XX/XX/XXXX I lost my card so I called up Macy 's and logged a complaint for it. They immediately blocked my card and told me not make any payments as they are doing investigation on it and they will send a new card. I got the new card in few weeks but post that I did n't get any statements from them neither I did shopping XX/XX/XXXX. In XX/XX/XXXX when I went to Macy 's department store, I finally got to know that they have closed my account for non/late payment and reported my name to credit bureau. 
When I called up to enquire about it, I was actually surprised and traumatized that they are not even bothered if they have closed my account and send my name to credit bureau. They were just asking me make the payment for all the charges. After lot of argument finally they settled my account for the balances and I made the full payments but still my name is still reported credit bureau for the mistake I did n't made. 
Lastly I am the customer since 2012 and I did n't even made one late payment and still they closed my account and sent my name to credit bureau that to without informing me. It is really not expected from them. 

Please help.
Consumer complaint received 2016-03-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

I received a letter on XXXX XXXX, 2016 stating all of my Citibank , N.A . credit card accounts were closed ( accounts ending in XXXX, XXXX, and XXXX ). I lost access to XXXX of my Citi Thank You Rewards points ( in account ending in XXXX ). I confirmed the exact amount of points on the phone with Citibank. Normally you have 60 days to access your points after the closure of an account but when calling Citibank, I was told that I could not do that. Each point could be used at a value of XXXX cents a point for airfare. Therefore, I lost {$760.00} of money from my account that I had already earned. Citi is not giving me access to that. I would like access to those points to redeem them for their value or to be paid the value of the points in a check. 

On XXXX of my accounts, I paid a {$450.00} annual fee. I would like to have the annual fee prorated for the remainder of the time that I now do n't have the card. 

If Citibank is going to close my accounts, then I want to get the rewards that I had already earned and the annual fee money back.
Consumer complaint received 2023-07-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BMO Bank, N.A. (NY)

I purchased a merchandise online and paid through XXXX which the bank decided my dispute was not on my favor as it was authorized. It is true that it was authorized because in my belief the transaction that I had with the merchant was not fraudulent. I emailed the bank XXXX XXXX to reconsider my case on the basis of Non -delivery of goods as there were no goods delivered to me but they did not reply to any of my emails.I paid {$6800.00} USD in total. 
{$2000.00} XX/XX/23 {$1200.00} XX/XX/23 {$2000.00} XX/XX/23 {$1500.00} XX/XX/23 I had reported the case to FBI and XXXX police as I am a XXXX citizen working in XXXX, NY. 
Please help me recover my funds as I don't know what else to do. 
I can provide you the pertinent information and documentation if you need them. 
Thank you so much.
Consumer complaint received 2015-12-24
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (NY)

In reference to my response from Citi Bank I was contacted by a rep by the name of XXXX XXXX I spoke to hear about my credit card request she promised me that my credit card application would be reacessed for credit card approval. I then call the reacessement line to get a up date only to find out that a credit card application reacessement was not submitted so she lied to me about submitting a request. this is one of the problems of the big banks no respect a bad customer service that lies to customers I am requesting that this be looked into because this only proves my point that these big banks do discrimmate againist minoritys I do n't understand why I was lied to about my credit card reacessement which was never submitted.
Consumer complaint received 2016-10-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (AZ)

I applied for Citibank checking account on XXXX XXXX 2016. Since that point of time I got some emails to send the driver 's license, utility bills, address proof etc..all of this was provided to them on XXXX XXXX 2016. I got some information about my account # and routing # also ... .got my debit card also ... but till now I am not able to login to my account online. I can not even use my account. I believe more than 2 weeks is too much a time to have this kind of access? There is absolutely no chat support available and no email address where i can ask them to provide this access ... i tried calling them once and chatting with them about this issue but no success after 2 weeks also.
Consumer complaint received 2016-03-18
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (NC)

My son has a student loan through CITI. We cosigned loans with him. After struggling to make payments he worked out a solution with CITI and has been making the agreed to payments. The lat payment was XX/XX/XXXX. Currently, there is no delinquency on this agreed to schedule. 
XXXX XXXX XXXX alleges to be a collection firm for CITI and is trying to collect on the debt that our son is already paying. In effect they are trying to collect twice on the same debt. We are not a party to the agreement between CITI and our son. Further, I suspect that XXXX XXXX XXXX is merely a reorganization of a company that has been listed on the FTC site as no longer able to operate as a debt collection service.
Consumer complaint received 2015-11-03
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: CITIBANK, N.A. (WA)

I received a summons for a lawsuit after I disputed the debt. I had my attorney send a letter stating that I did not owe the debt and why and they responding directly to me, not my attorney. They proceeded in filing a lawsuit directly against me instead of my attorney. They also refused to provide a physical address so they could be served.