davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (KY)

Contacted credit card company in XXXX to payoff a balance transfer and was told I couldnt pay it off until it expired because payments are applied to highest interest rate balance first. Told to Call back after XX/XX/XXXX when it expired and it would be paid off then. Called XX/XX/XXXX to pay balance transfer 4 off and applied remaining payment to other balance transfer. Payment was {$900.00} which paid off balance transfer 4 with about {$100.00} left for other balance transfer offer. Didnt happen when I received statement I called XX/XX/XXXX and told it would have to be adjusted. Received letter saying they cant adjust it because now they have to apply it to the lowest rate balance first. False and misleading information. Deceptive practices just to get money from higher interest rate.
Consumer complaint received 2024-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

My student loans at Mohela are currently in paid ahead status until XXXX  2024. Because of this, I suspended my monthly auto debit payments for XXXX 2024 by calling Mohela directly . The XXXX payment was never taken out. However, the XXXX payment of {$230.00} was debited from my account on XX/XX/XXXX, despite being told by a Mohela rep that that would not happen. I contacted Mohela about getting a refund on XX/XX/XXXX, but never got a response. I tried contacting them again on XX/XX/XXXX after giving them several weeks to respond, and sat on hold for XXXX hours, despite not calling during peak hours. This is my regular experience with Mohela. Extremely long holds just for mediocre service. You even have to click through multiple prompts ( about XXXX minutes worth ) just to get in line for a live human. As soon as someone finally took me off hold, their call center closed and the call was dropped. Can you please help me get this refund and urge Mohela to hire more reps for their call centers? Going through this on a regular basis with them is extremely demoralizing.
Consumer complaint received 2024-03-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: TRUIST FINANCIAL CORPORATION (NC)

During the Truist application and approval process we were notified that we were on a " float option '' for our interest rate. When rates started to drop a little I called my loan office and asked her what the rate for that day was. The date was XX/XX/XXXX and we were not closing for another 5 months. She advised me that the rate for that day was 6.875 % and asked if I wanted to lock in. This was the exact rate that we set for our budget so I called her back and asked if we could lock in and what we needed to do. She said to just tell her we wanted to lock in and that was it. So we locked in and she called me back to let me know that we needed to pay {$1700.00} for a rate lock fee. I was shocked and asked her if we would be getting this money back and she assured me we would at closing so I told her as long as we would get it back I would go ahead and pay it. We received a loan estimate updated to the locked rate good through XX/XX/XXXX. We had received poor communication with the loan officer throughout the process but it got worse and I shopped the loan. When the new mortgage company looked at the disclosure they asked what the points were for. I didnt know anything about points so they explained them to me which XXXX  me. I called the loan officer to find out what the points were for and she never gave me a direct answer but found out that she charged us XXXX points to get that rate to 6.875 % without asking us if that is what we wanted to telling us that is what she did. We would have NEVER locked in 5 months before closing if we were given the correct interest for that date! Now they are telling me we cant get that money back. This is not fair as she should have never charged {$5000.00} in points without asking if that is what we wanted. She failed to give us the interest rate on that date and gave us what she wanted with buying points. I dont know if she benefits from this is some way or why someone would do that without disclosing this was what she was doing and nothing was signed for the rate lock and it is not clear at all on the disclosure statement. They need to refund the rate lock fee as they hid those points and took 3 days for the loan estimate to be updated and being too late to back out.
Consumer complaint received 2018-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC (NJ)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2018-11-22
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. (TX)

I recently applied for a car loan but was denied because of XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX that still appear on my credit report as paid late. The accounts were disputed long time ago, I write letters monthly to no avail. I am very eager to know what is going on why the accounts are being reported late but credit bureaus did not send me any verification. This is a big mistake please CFPB fix it as soon as possible
Consumer complaint received 2024-03-01
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (UT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, It appears that this item on my credit report has turned into a charge off and I have reviewed statements you all sent to me by mail and I have verified numerous fraudulent transactions totaling {$710.00} from a stolen XXXX on this account without my permission. I have provided the FTC identify theft report as instructed by the police department. The reporting of this account balance is inaccurate and affecting my ability to use my credit. Additionally, I noticed you never sent me a 1099 would you be so kind to send me a 1099 or verify if the debt is still on you all record books. Due to the unauthorized charges on this account I have gone through a serious financial hardship. I am trying to resolve these matters directly with you all. This would help me with my credit in the future. 

Thank You So Much XXXX XXXX XXXX
Consumer complaint received 2023-04-13
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. (TX)

Experian and XXXX are reporting an inaccurate account. The account XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX is being reported incorrectly and I have also tried to fix this to the point of no avail. Since it has been well over 35 days since my handwritten dispute letter, I am now reporting this inaccuracy to the CFPB and XXXX with proof of error. Attached is the document showing that the collection account was opened in XX/XX/2020, but is reporting XX/XX/2020 which is incorrect. The date last active is also wrong and inconsistent. It is my understanding that consumer reporting agencies are to follow reasonable procedures to ensure maximum possible accuracy of information in consumer reports. 15 U.S.C. 1681e ( b ). I know that this violation can be taken to small claims court, and I will be able to show the inaccurate report and proof that it has caused me to suffer damages. Please see the attached inaccurate report and the documentation showing the different information you are reporting. Remove immediately.
Consumer complaint received 2018-11-22
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. (HI)

I recently applied for a car loan but was denied because of XXXX XXXX XXXX   XXXX that still appear on my credit report as paid late. The account was disputed long time ago, I write letters monthly to no avail. I am very eager to know what is going on why the account is being reported late but credit bureaus did not send me any verification. This is a big mistake please CFPB fix it as soon as possible
Consumer complaint received 2024-09-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I filed dispute on my checking because I have XXXX and been in and out the hospital some unauthorized transactions went on in my checking account me thinking I can trust my Financial institution I let them know what was happening in XXXX XXXX I tried to withdraw funds from my SAVINGS account nothing to do with my checking account I found the put a hold on both accounts for credits only they said they are closing my account and it will take 3 months to do so and that they have a right to hold my XXXX checks now I have read the depository agreement even had a paralegal and serval others read this and nothing states that they can hold anyone money for that long it states XXXX business days there is nothing pending on my saving there is NO FRAUD NOTHING WRONG AT ALL I can not pay any of my bills get food or medicine because they are holding my funds
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OK)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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.
Consumer complaint received 2017-03-29
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (NJ)

My private loan company has been hounding me for payment after I have explained to them that I am currently unemployed and now not receiving unemployment. They will not work with me to defer the loans while I am unemployed and now are threatening to sue. They are forcing me to ask others for money which is impossible since my parents are both XXXX and living off the system. When I 've spoken to Navient, their representatives are rude and have an attitude and will not work with me. When I first called them back in XXXX when my loans payments were going to rise 80 %, I was informed by a representative that there was nothing they could do to help me until I had income coming in. I have been harassed for the last month and when I have spoken to them have been treated so poorly I was brought to tears. They have sent letters saying they want to work with me but when I call them I get nowhere.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (FL)

XX/XX/ SELF FINANCIAL, INC REPORTED THAT ACCOUNT WAS DELINQUENT ACCORDING TO STATEMENT DATE A PAYMENT WAS MADE BEFORE THE REPORTING DATE OF XXXX XXXX XXXXSELF FINANCIAL , INC. FALSELY REPORT TO THE CREDIT BUREAUS THAT PAYMENT WAS MADE LATE XXXX XXXX SELF FINANCIAL INC . ADMITTED TO CHANGING THE STATEMENT REPORTING DATES WITHOUT INFORMED CONSENT
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (GA)

My American Express credit card was canceled in XX/XX/XXXX. Even though I have explained to every customer representative that it was not my intention to close the account, it seems to be presented like that in their systems. I have fought back against that closure and tried to reinstate my credit card many times, but I was unsuccessful. I even tried that in this forum by presenting a claim in XXXX to American Express that was, again, not taken into consideration by the American Express company. 
I'm disappointed with this company that used to be very good in customer service and has been affected during the last years, becoming terrible in my recent interactions with them. 
As I mentioned, the credit card was incorrectly and unfairly canceled in XX/XX/XXXX, but now, in XX/XX/XXXX, I have found that I should pay {$450.00} due to a " benefit '' that was offered with the credit card called " Miles in advance '' or " Miles ahead. '' Back then, when I requested this benefit, I intended to get miles in advance and use the credit card during the following six months to re-pay those miles asked ahead by returning miles every month, as the promotion/benefit is intended to work. But since my credit card was unexpectedly canceled, I couldn't continue making purchases with it and, therefore, was blocked from gaining new miles that would have re-paid the miles in advance requested. 
I called customer service today at XXXXXXXX XXXX  EST. I explained this situation to two different customer service employees ; they didn't understand the program/benefit and didn't know how to help and kept transferring me. I was assigned to " new applications for credit cards, '' which had nothing to do with what I needed. As I said, the customer service at American Express has deteriorated. 
I was finally transferred to " XXXX '' at around XXXXXXXX XXXX EST, and after another 15 minutes of explaining all my issues to him, he simply mentioned that he couldn't do anything and wrote down my complaint. 
I talked for one hour ( very inefficiently ) with American Express customer service, and nobody could help me. I want to waive this amount from my account and keep it canceled as it has been for the last six months. 
I hope that someone at American Express is still interested in customer service and reads this complaint.
Consumer complaint received 2024-02-25
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

Poor customer service practices in Citibank 's fraud department. 
XXXX : I rec 'd a fraud alert in app and promptly called the bank, as the primary account holder. I provided my full name, code word, personal credit card #, and additional XXXX card # ( business account ). Rep would not listen and kept talking over me, asking if it was a debit card even though I repeatedly stated this additional # is a credit card and the only other account I have with this bank. I explained we are trying to add this card to a new phone. Rep says she can not verify me to be myself and can not send a code to my phone despite all the information I already provided. Rep asked for the account # s for other banks ( checking ) that pay my credit card. Really? never heard of this. 
1st Rep was unprofessional and kept asking for more and more info after I answered her Questions. She would not send text to my 1st or 2nd Phone # s or my email address on file. This rep asked if I was at work or had access to my work info, on a SATURDAY. There is no connection to my work and this card. I listed no work # or email. Rep tried to hang up on me, while I asked for the manager many times. Manager came on call and tried to add card to our 2nd phone. Manager was more professional but was not able to add card due to technical issues. 
XXXX : called to try and resolve again, same issues. 
Gave password, card holders name, credit card #, business card #, Rep still asking for NON citibank private account/ checking # s. Requested to verify with alternate phone # s listed on Citibank account. All additional card members on the line as well. Agent would Not verify via three phone # s listed on account. Goal post keeps moving. Big waste of time last 22 days. Fed up, will cancel card after 35+ years.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Child Support Recovery Services, Inc. (MD)

I am adding artifacts to support current and open complaint, please add the uploaded items thanks! 

The Artifacts added, support my claim that CSRS Inc. has circumvented guidelines for fair credit reporting. 
XXXX. ) XXXX XXXX is not credit lending organization, but is an Information Technology Company, which should not be listed on my trade-line Period. 
2. ) Due the unethical and lawlessness practices, of unfair reporting, by CSRS Inc. it has significantly impacted my XXXX and XXXX XXXX XXXX XXXX. XXXX XXXX ) I disputed the trade-line and bogus account immediately upon its existence with the credit bureaus and CSRS Inc. responded back that it was in fact an accurate account, knowingly and wittingly with malice intent to destroy my credit worthiness!!! 

Note : Please add theses artifacts to existing complaint XXXX
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I sent XXXX XXXX XXXX a cease and desist letter on not to contact me and I will not communicate with any collection agency because they have not sent me the information I asked for such as validation. They are violating my rights
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ->> These adresses do not belong to me. Please delete it from my credit report. 
XXXX. The following name is incorrect. They may belong to someoone else that have similar last name to me. I demand it to be removed. 
XXXX XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

I have requested false reporting and unauthorized reporting of my consumer rights to remove all negative and collections from false information of my consumer report,,, ,15us c1681 b-stats must respect privacy on consumer data and rights and must delete all collection and chargeoff from consumer profile,,, ,15us c1681 s2 8e3 -stats that agency must comply to consumer rights and request and have 30 days to respond and must be deleted and boost consumer credit.
Consumer complaint received 2024-09-06
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Chrysalis Holdings LLC (WI)

I've already submitted a claim through you about New Day USA. That claim was closed with feedback. The record should reflect all the communication I had with New Day over the course of several months. I read that New Day was fined in different states due to misleading practices in refinancing cases. I was very much mislead by New Day on the amount of our PITI payment and am wondering if anything was done for Wisconsin residents who were similarly mislead.