davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-15
Product: Credit card — 
Issue: Delinquent account — 
Company: U.S. BANCORP (CA)

I believe what happened was a system error. I normally pay my cards online and I remembered making my payments for those months ; I have not missed a payment since I had the card. It could have been a system error and the payment was not processed. I also was never notified about my late payments- no phone calls, emails or mail to inform me about the late payment. I only noticed that I had missed payments when I checked my credit profile online. I have already contacted US bank and settled this issue with them and told me to explain my situation here. It was an honest mistake, simply overlooked the accounts and did not catch that the payment failed to go through. Since this never happened before, and is affecting my credit greatly, I am requesting that this report be removed from my account. Thank you.
Consumer complaint received 2024-09-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

They raised my payments by over {$200.00} a month, reached out to see about lowering the payment and did a few forbearance and when they raised it again, they place me a program that made me go past due which ruined my credit. That was not explained properly and did not know it would affect me in that manner. Now they are raising my interest rate again due to the economy according to them.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion has admitted to knowing there is inaccurate information on my report, continued to report it, and refused to investigate into the fraudelent companies reporting it. They've closed every case in which I've reported them, and I'll continue reporting until they are burnt to the ground.
Consumer complaint received 2024-09-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC (FL)

Hello, I want to inform you that I was making a modification with Selene. I sent them all the documents they asked me for before XX/XX/XXXX. I called them every day, they told me that everything was fine and they cancelled the modification. I think it's abusive. After I paid the accountant for all the wasted time, they are bureaucrats. After more than 10 calls they told me everything was fine, just wait and they cancelled everything.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MD)

On or around XX/XX/year>, I noticed a discrepancy in how my Citi/XXXX  XXXX XXXX account was being reported to the credit reporting agencies. The inaccurate reporting has negatively impacted my credit score. I reached out to Citibank through the CFPB, and Case # XXXX was opened. Citibank responded to that inquiry, but the issue remains unresolved as the incorrect information continues to appear on my credit reports. 

I filed a second inquiry through the CFPB ( Case # XXXX ) to address the ongoing errors, but Citibank has again failed to correct the reporting issue. Despite their assertion that they regularly provide information to the credit reporting agencies, the information being reported does not accurately reflect the status of my account. Additionally, Citibank has declined my request for compensation for the financial harm caused by this incorrect reporting, which has affected my creditworthiness. 

I am seeking a resolution to this matter, which includes correcting the inaccurate credit reporting and compensating me for the financial harm incurred as a result of these discrepancies.
Consumer complaint received 2024-09-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (MI)

Jefferson Capital Services never sent me a Debt Verification Letter. They never gave me the opportunity to dispute the alleged debt in direct violation of 15 USC. I noticed them through my XXXX Credit Report. I filed dispute through XXXX and it was verified Jefferson Capital Services never sent the Debt Verification Letter. They are liars and try to imitate through hurting my credit report. Reporting to a credit bureau without a Debt Verification Letter is a violation of 15 USC Rules and law. This violation requires and mandates Jefferson Capital Services to pay {$1000.00} per the violation.
Consumer complaint received 2024-08-28
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. (MD)

I saw on my credit report a soft inquiry dated XX/XX/year> by XXXX XXXX XXXX XXXX through a company called XXXX XXXX XXXX. When I called the legal dept of XXXX XXXX XXXX XXXX, they indicated that when I got a test done, I was required to sign a form allowing them to check my credit record. 

I don't remember signing something like this so I asked for a copy of the agreement I apparently signed. I haven't seen it yet, however. 

In addition, there would be no reason to have everyone who is undergoing a medical test to allow the medical system to look into my credit report. How do I stop this? I don't owe medical debt to this institution ( or any other ) and my health insurance pays for all my tests. 

This is the second time a medical institution has pulled a soft inquiry on my credit report.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIRST NATIONAL BANK OF OMAHA (TX)

Upon filing of initial complaint regarding inaccuracies reported to credit bureaus on the balance and payment/owed amounts on closed FNBO secured credit account the company replied with further inaccuracies and incorrect reporting. FNBO claims my security deposit was applied to the balance on my card account along with a payment they processed with my bank for the amount of {$950.00} which would make the balance owed on the account {$950.00} plus the {$500.00} since both were processed the same day according to FNBO at an amount of {$1400.00} outstanding. If what they claim is true my account should have been left with a balance of {$950.00}, the amount returned unpaid by my bank but instead the balance FNBO claims still owed is the amount returned unpaid minus the XXXX security deposit. FNBO is incorrectly CONTINUING to report payments and balances on this account and blatantly disregarding banking regulations they're to adhere to. They have consistently falsely reported negative information on my credit reports and refuse to fix the incorrect information causing me extreme difficulty in acquiring adequate credit needed.
Consumer complaint received 2024-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (TN)

I am coming to the Consumer Financial Protection Bureau for protection from Shellpoint mortgage before they start the foreclosure proceeding using bogus claims of a missing payment in XX/XX/year>XXXX XXXX XXXX company is a previous mortgage company that created this whole debacle in the mist of selling the mortgage to Shellpoint mortgage co. XXXX contacted me in XX/XX/year> stating my bank returned my XX/XX/year> payment was returned " unable to locate '', 8 months later and they were taking my XX/XX/year> payment and applying it to the XX/XX/year> and my XX/XX/year> was late and they were charging my account late fees and insufficient funds fees. I have sent Shellpoint 3 bank statements showing a Payment was debited on XX/XX/year>. 
for over XXXX I have been harassed and threatened foreclosure to the point psychological harm.
Consumer complaint received 2024-09-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (PA)

This morning XXXX at XXXX XXXX. I retrieved an email from Marcus by Goldman XXXX XXXX. XXXX email asked me to call XXXX about " my account '' ... ( keep in mind I have many accounts... ) On a recorded phone line I called at XXXX XXXX XXXX to XXXX ( she refused when I asked to either provide a last name or XXXX XXXX id # ) ... She asked me a series of normal questions and also for my secret word on file ... .I answered her questions ... normally they authenicate me with a TEXT code ... She then asked me a series of security questions for which I answered all of them correctly. The last question could have been answered two ways ... she asked if I am associated with XXXX XXXX or XXXX... I said " NO '' ..She asked if I was associated with " XXXX ''. I told her that my town is in XXXX XXXX so I wasn't sure if it were a trick question..she then stated ( and I sure hope you people pull each and every conversation I had to hear all ) that I refused to answer the questions? 100 % FALSE/LIE. I demanded to speak to a manager immediately. She indicated no one was available at first stating someone would reach out to me in XXXX days ... I told her NO WAY! I want answers NOW! She put me on " hold '' ... meanwhile while I am on hold a guy named XXXX  ( XXXX ) contacted me on my cell phone from Marcus ... he was of NO help or no value and I'm not even sure why he called me. He said he couldn't help me? Meanwhile, XXXX at XXXX am. transfers the phone call to XXXX ( XXXX ) an alleged supervisor.. I asked her " why '' I recd the email, wanting to know all is well with my accounts and making sure my funds are safe. She indicated she could NOT help me and that NO ONE at the REVIEW TEAM level is available and that someone should call me XXXX XXXX XXXX in XXXX days ... I told her that was completely UNACCEPTABLE ... reminding her that I had already filed XXXX formal complaints against this bank back in XXXX of XXXX  ... .I told her that I am liable to miss the phone call if I even get one and then I have to go through the hour long plus sharade of trying to reach the proper person to get answers. I am on pins and needles and wondering what the " security issue '' is with my account ( s ). The complaint I am filing is against 1 ) Marcus Bank 's customer service department XXXX  ) their inability to have the appropriate team managers/supervisors available ready XXXX  ) their employees continued refusal to properly identify themselves with Employee ID # or XXXX code ( i.e. XXXX refused )
Consumer complaint received 2024-09-23
Product: Credit 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 NEW YORK MELLON CORPORATION, THE (CA)

I am filing a complaint against Fidelity for their mishandling of a disputed charge on my Fidelity card and for what I believe to be an intentional delay in processing my dispute, resulting in the denial of my claim. 

On XX/XX/XXXX, I used my Fidelity XXXX card at a XXXX XXXX and was charged twice for the same transaction. Upon returning to the XXXX, I called Fidelitys card services on XX/XX/XXXX, and the representative informed me that a dispute form would be sent to me. However, I never received the form. 

I later contacted Fidelity through their online chat and was directed to submit a dispute form online. After several weeks, I was informed that the form I submitted was not the correct one for my debit card. I was then redirected back to card services. 

During a last phone call on XXXX XXXX to card services, the representative initially told me to submit the same incorrect form again. After explaining the situation, the representative finally initiated an investigation. However, on XX/XX/XXXX, I received a letter from Fidelity stating that my dispute was denied because it was filed outside of the allowable timeframe. 

I believe that Fidelity intentionally delayed the handling of my dispute in order to let the allowable timeframe expire. This has caused significant inconvenience, financial stress, and wasted time and effort on my part.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (ID)

Since XX/XX/2024 my credit report has been erroneously erased with Equifax. I have called multiple times to notify Equifax, however because all the information in my report has been either misplaced due to a split file, ssn mistakenly deleted from my account, or outright erased, the automated phone tree can not verify my account and hangs up on me. 

This problem is unique to Equifax, as both XXXX and XXXX have the correct information going back to the start of my credit history. According to Equifax I have no credit lines open, no address information, no bank accounts, nothing. I have attempted many times to use the only line of communication provided, phone, to reach someone to speak to, however this never works as I explained above. 

The complete lack of outlets for communication, an insuferable automated phone tree which quite frankly should be illegal for lack of accuracy, and denial of communication, its all so appalling. This strange problem should not have happened in the first place had Equifax had good data managment systems like XXXX or XXXX. The fact they make it this difficult to contact a real person shows they are aware of the problem, they would rather ignore folks like me and hope we forget about it.
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CO)

In XX/XX/year> I the credit Worthy consumer in good faith applied for the Amex platinum card, but was denied by reason of denial. 
Under the Equal credit opportunity act. American Express XXXX act unlawfully discriminated against. AND I BELIEVE I AM PROTECTED under 12 CFR PART 1002 REGULATION B and 12 CFR 1002.7 And 15 U. S Code 1681a ( exclusions ) Gramm-Leach-Bliley Act 1016.10 Limits on disclosure of nonpublic personal information to non affiliated third parties.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I sent my letter on XX/XX/2023 asking the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 

According to the FRCA, the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law? Also, many pieces of information on these accounts are still not reporting 100 % accurate and according to the FRCA 15 USC 1681, everything has to be 100 % accurate. I have attached the credit report showing the inaccuracies and inconsistencies. How have the credit bureaus verified these accounts if they are showing so many discrepancies on fundamental pieces of information such as addresses, date account opened, balances. 
I asked the credit bureaus to share their method of verification and validation of these accounts, but they failed to respond.
Consumer complaint received 2024-07-06
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. (FL)

Hard Inquiries to removal : 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 XXXXXXXX XXXX
Consumer complaint received 2024-10-07
Product: Credit card — Store credit 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: CITIBANK, N.A. (TX)

XX/XX/XXXX I purchased artwork from Wayfair for {$170.00} using my Wayfair Mastercard / CBNA Account # XXXX XX/XX/XXXX I paid {$170.00} through my bank 's " bill pay '' module. Wayfair recorded it to an old Wayfair Account # XXXX. I am unable to pull up that account for backup ; however, I have 2 attachments from my bank documenting this. 
XX/XX/XXXX Wayfair refunded the {$170.00} to my bank account. 
XX/XX/XXXX I made a second payment of {$170.00} through my bank 's " bill pay '' module specifically to the new Account # XXXX This is the payment my bank subtracted from my account on XX/XX/XXXX and Wayfair " could never find '' or they applied it to the wrong account or they just lost it. I spoke with them and mailed backup to them at several different addresses about twice weekly. My backup for this is almost an inch thick! 
For example, I mailed one letter certified return receipt. I received it back saying they were temporarily not accepting mail at this time! 
XX/XX/XXXXXXXX XXXX  reported me 2 months delinquent on my credit report reducing my score over XXXX points to XXXX. I take my credit score very seriously, at one time this year having it at XXXX. 
More home calls, more letters. I got XXXX involved, but, even with proper backup documentation they couldn't change my report- Per my phone calls, CBNA certifies their information was correct. CBNA apologized twice and said they would contact XXXX to correct this, but after weeks, I have heard nothing. 
XX/XX/XXXX I finally decided their help was useless and had my bank stop payment on the check and I mailed a payment for the THIRD TIME- check # XXXX  for {$170.00} and it was finally cashed on XXXX XXXX. 
XXXX, XX/XX/XXXX, and XX/XX/XXXX Among the personnel in management that now promised to fix my credit report were : XX/XX/XXXXXXXX XXXX XXXX XXXX in Idaho, and XX/XX/XXXXXXXX XXXX in Idaho. Still no fix. 
Present I need someone to fix my credit report to show I paid on time. THREE TIMES! 
Please, please contact me if you need any addditional information.
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TD BANK US HOLDING COMPANY (NY)

XXXX To whom may concern, My name is XXXX XXXX # XXXX is being violated in zip codes XXXX and XXXX I am currently working this this business and a older woman send me mail to settle disputes with my debt, these people are mail tampering. Mail tampering is A XXXX fine! they been doing it for over a Year. They opened my mail so that when I work with the business I receive a hard time. these people come with all kinds XXXX ( excuse my curse I am tired of it ) They are retaliating against me and my religion. they are violating the constitution, the Civil rights act of 1964 and the first amendment. I do believe in XXXX " Amen-dment '' and I am trusting the process but now I am done with these people. I am XXXX XXXX XXXX overcoming a struggle and upcoming. I am being more aware of what people are doing and trying to have control over my life. these people are trying to stop me from having a good life. I am targeted in my community. the hate is real discrimination is ongoing. My bank account has a history of fraud. I am not perfect but I realized what these people were doing and there trying to make me pay for false debt by giving me fraud checks and not putting my correct address and ID theft. I gave them 2 ids to ID me and they refuse to help me. Every time I walk in they are violating the Civil Rights Laws of 1964. This city is doing bad and this is no disrespect to TD bank itself, its just the ones in XXXX. It is a struggle city and I am battling these people the RIGHT WAY while these people promote fraud! 

XXXX XXXX XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Westlake Services, LLC (IL)

On XX/XX/XXXX I sent Westlake Financial a letter requesting to validate the debt showing on my credit report. They never responded. I then sent a follow up letter on XX/XX/XXXX. Again I never received a response from Westlake. 

I attempted to dispute the debt on all three credit bureaus but they stated the debt was confirmed by them and would not be deleted.
Consumer complaint received 2023-07-31
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)

According to FCRA 15 U.S. Code 1681s2, as a furnisher of information to consumer reporting agencies, you have a duty to provide notice of dispute if a consumer challenges the completeness or accuracy of any information you furnish. However, I have disputed these inaccurate items with you over 35 days ago, and you have failed to notate it as disputed. This has caused significant harm, as I have missed out on offers due to the reporting of this inaccurate item without the proper notation of the dispute, which is a violation of the law under FCRA 15 U.S. Code 1681s2 ( 3 ).
Consumer complaint received 2024-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MI)

I.C. Systems sent an email on XX/XX/year> in which l responded by demanding that they not contact me by email and all correspondence should be by XXXX XXXX I also asked that they validate this " junk debt '' that was already sold by XXXX XXXX XXXX XXXX who couldn't confirm that it was my debt. ( See attached ). This " junk debt '' that they are trying to collect on has run its course and in the state of Michigan the statue of limitations is 6 years from original creditor XXXX ( XXXX ) who has already taken a XXXXXXXX XXXX  out on this debt and sold it already to XXXX XXXX. Also, IC Systems violated the FCRA regulations and previous recorded laws set forth by XXXX XXXX XXXX, where in this case you must get account-level documentation with wet-ink signature in which I.C. Systems does not have because I never agreed to contract with them. Also there was a creditor disclosure statement that needed to filled out but was not. They sent an old bill from the creditor who already sold this junk debt to XXXX XXXX XXXX.