davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Chrysalis Holdings LLC (FL)

I made a full principal and interest payment on time but did not make any escrow additions since I already just paid XXXX out of pocket for a years insurance partially because they mishandled my escrow account. These are the people that hung up on me while violating my constitutional rights therefore not getting my account straightened out when I tried to speak with them. I tried to call them today and think I got the man that hung up on me before. He is a condescending pompous incompetent and threatened to hang up again saying I called him stupid, which I did not.They recorded the call and so did I. I sent them a couple XXXX for escrow so they have no reason to report to the bureau, that is on top of the XXXX I sent on XXXX. Please give me some assistance in dealing with these peopleASAP.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I HAVE CONTACTED EQUIFAX ABOUT FRAUDULENT ACCOUNTS FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX. I HAVE SUBMITTED FTC REPORTS ALONG WITH MY IDENTIFICATION, UTILITY BILL, AND SOCIAL SECURITY CARD. EQUIFAX HAS YET TO REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CONSUMER FILE. I HAVE CALLED AND REQUESTED FOR THIS INFORMATION TO BE REMOVED. I WILL BE UPLOADING DOCUMENTATION AS PROOF.
Consumer complaint received 2023-12-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: FinCo Services Inc DBA Current (CO)

I received a card from Current that I did not apply for. It is a Current Build card. My credit is frozen due to identity theft, but because this is a secured credit card they do not run a credit check, they just confirm applicant information is valid for anyone who inputs it. They do not offer any telephone support on weekends or provide contact info for their fraud department. Support is available only via email or their app, but to receive support via the app you have to create an account, which requires submitting private information like SSN, DOB, etc. When contacted via email, they demand the same private info be sent via email, which is an insecure form of communication. They do not offer alternatives to this and refuse to provide contact info for a fraud report. This is beyond irresponsible ; it is negligent and should be illegal. They should be required to provide a means of contact for fraud reports given that their actions 1 ) expose private information by confirming its veracity in issuing a card when info is submitted and 2 ) can negatively impact credit because they report information to credit bureaus when issues arise. They should also be prohibited from requesting PII or other similar information via email.
Consumer complaint received 2018-10-23
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. (IL)

TransUnion is reporting an incorrect account status remarks from XXXX XXXX. 
XXXX XXXX should be reporting the following account status remarks " Closed by credit Grantor '' TransUnion is currently reporting account status remarks Chapter XXXX Bankruptcy. 
As of XX/XX/2018 i do not have a chapter XXXX Bankruptcy on file in my TransUnion Public Records. 

Please see copy attachment from my latest XXXX  credit report to see the correct reporting status from XXXX XXXX.
Consumer complaint received 2024-02-20
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (PA)

On XX/XX/XXXX XXXX contacted me via email to inform me there was a collections placed on my XXXX credit report. I immediately got the collection info and called them Jefferson captiol. Bear in mind I never knew existed. Never received no notification from them. When talking on the phone with them they didn't even know my contact info. I gave it to them to update their records. My right to validate ( give me written notice or dispute this was never given to me they just went ahead and put something damaging on my credit report ( XXXX ) from XXXX. It's from a supposedly cell phone bill. The company is XXXX  which they were bought by XXXXXXXX XXXX is my current cell phone provider which has been for years and I'm up to date on my monthly bill. After speaking to operator XXXX she informed me that I will be receiving a termination of collections from this account and then can give it to XXXX to take off my credit report.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (IN)

LoanCare, our previous mortgage holder, sold our mortgage to XXXX. 

The last month of paid to LoanCare for the mortgage was XX/XX/XXXX and the first month of mortgage paid to XXXX was in XXXX and even then they tried to charge us twice our normal mortgage cost because they couldn't figure out how to transition things properly. 

Recently XXXX gave me a year of XXXX XXXX to monitor my credit after they got hacked and my personal info was leaked. 

According to XXXX I have 2 real estate accounts open, my current mortgage holder XXXX and my old holder, LoanCare but it shows the account is still open. 

I called LoanCare on XX/XX/XXXX to tell them it still shows up on my credit report and that they need to close. They told me I have to write to Loan Care Attn : Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX And give them my previous loan number and/or address to have the account closed and taken off my credit report. 

It's ridiculous that a company should be allowed to handle something so vital to a person, their very home, when they could potentially damage their credit and can't even properly close accounts when selling/transitioning. 

Is this a company with stock holders? Are they reporting more accounts than they actually have? I question the ethics of this company and think their " negligence '' is actually intentional.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CITIBANK, N.A. (MD)

XXXX promised to help build my credit score and if I got a secured card with Citi, after 1 year I could get unsecured and my payments suppose to be reported to credit bureau to help with my credit building. I have been with Citi for XXXX years and they have not approved me for a unsecured credit card as of yet.
Consumer complaint received 2024-07-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CO)

I had several fraudulent charges post to my account beginning on XX/XX/year>. US Bank alerted me to one of the charges and I contacted their fraud department immediately. I filed the appropriate fraud claims on the same day. 
I have checked on the status of the claim every day with US Bank since reporting and each time I've been advised differently. One representative issued me provisional credit and the next day that credit vanished and I was again in a negative balance as a result of the fraudulent charges. The next day, another representative told me that the case manager is working on m claim and has approved the provisional credit which would post that day or the following day. That never happened. I called again this morning and the representative told me I had to wait for the fraud charges to post before US Bank could do anything. I was looking at my statement on line while I was speaking with the representative and those fraudulent charges were CLEARLY already posted and NOT in the pending section. The representative ( and her supervisor ) were unable to provide any type of definitive information. I have lost faith in US Bank being able to provide accurate and timely assistance to me and am seeking support with this matter from CFPB.
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (WI)

I experienced a severe XXXX condition that affected my ability to work and thus my ability to pay my bills. I contacted all my creditors and asked them for forbearance- until I could start receiving XXXX pay and/or get back to financial stability. 

Every creditor BUT Citibank was willing to work with me and I kept my payments and my credit record unblemished. 

Citibank 's customer service response was clear and unconscionable. When I asked their Customer Service staff for assistance their response was clear & unequivocable. When I told them of my severe XXXX XXXX they told me : " That Citibank would just recover what I owed from my estate when I was dead. '' I offered to pay what I could for a time but they said that " unless I paid the full amount due that they would close my accounts and report my non-payment to the credit bureaus. '' That I would never get another credit card for as long as I lived. '' Well they were true to their word- they closed my XXXXXXXX XXXX XXXX XXXX XXXX  cards and destroyed my XXXX Rating. All my other XXXX accounts were paid the best I could and worked with me to resolve my debts to them. I will never forget the Citibank Customer Service person asking if I had Life Insurance and when I told them I did they said : " looks like you are worth more dead than alive ''! 

I am now being hounded by lawyers for Citibank telling me that they will sue me and take everything I have. 

Citibank Account details : # XXXX : XXXX XXXX Signature : XXXX # XXXX : Citi XXXX XXXX : ending in XXXX # XXXX : Citi XXXX ending in XXXX ( I never requested relief on this card after my experience with the above XXXX. ) I sincerely hope that you can assist me in this matter! 

Thanks in advance!
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I called Chase credit card customer service in the month of XX/XX/year>. I noted to them I was getting " Important information regarding changes to your Chase account '' sent to and old email address and it does not match the email address that I have on the Chase online portal. During this call, it was noted that they " fixed this issue ''. 

Days later, I have 2 issues : 1. I'm still getting emails sent to an email address that doesn't match the email associated with my credit card accounts. 

2. I'm getting emails sent to me on closed accounts. 

Both of these items need to be addressed. There's a deeper IT issue and the CSR 's don't have the tools to fix a technical issue within the Chase systems.
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Someone applied for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card in my name and I have a Hard Inquiry on my Credit Report ( s ).

I spoke to TWO separate people on the phone with XXXX and they ASSURED me that they will take care of this. 

I spoke to a specific department that deals with this issues. I received a case number and was told " not to worry '' as they will investigate and remove the Hard Inquiry. Last lady I spoke to on the phone was very professional and knowledgeable- and she stated I will receive a confirmation letter in the mail stating that the issue has been taken care of however... 

Someone working in this department of XXXX XXXX XXXXXXXX had the audacity to send a letter stating this information is " correct ''. I guess I have to go to the local news .... 

I am in the process of repairing my credit and I would have never applied for a credit card, let alone an XXXX XXXXXXXX card when I live in florida. Also, the name that it was applied in is a format that I never use : " XXXX XXXX XXXX '' applying for credit cards. Case # XXXX with XXXX
Consumer complaint received 2024-04-14
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: CITIBANK, N.A. (NY)

Someone has gotten a hold of my password on XXXX XXXX and made over XXXX inquiries on that and other websites which lowered my credit score to below XXXX and now a XXXX credit score without my permission nor permission to use my XXXX XXXX app. to inquire about a car loan, loans, or to apply for some services which lowered my credit score from what it once was XXXX. 

Also, I am having trouble unfreezing my credit report perhaps on XXXX because I do not have access to my old XXXX email addresses. 

My updated information is : Home address XXXX XXXX XXXX XXXX XXXX XXXX, NY. XXXX Mailing address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY. XXXX XXXX XXXX Telephone : XXXX XXXX Email address : XXXX XXXX
Consumer complaint received 2023-12-08
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (AZ)

Bought wedding rings XX/XX/XXXX with a promotional XXXX for 48mths. Then bought my husband a XXXX Chain necklace XXXX of XXXX with a promotional balance of 0 % for 12months. The firs promotional amount was XXXX XXXX monthly, then added was {$190.00} for the second purchase. So in calculations I paid XXXX to XX/XX/XXXX, XXXX XXXX monthly. I looked at my XXXX statement to see that i should only have {$100.00} paid to payoff the 0 % for 12 months. Instead I see a payoff for XXXX to be paid by XX/XX/XXXX. I didn't think this was correct, So I called the card services area and talked to a manager to express my concerns. I was informed by XXXX employee # XXXX the Manager of IDDEAL card services that their is nothing that can be done. I asked the company to apply the payments correctly that all {$200.00} extra payment to be applied correctly. I was told by XXXX, she understands my frustration but can't help me with options to correct the company error. So this company applied all these payments to the first promotional because it was at 9.99 % and company made a decision to apply it how they wanted it so I can be hindered with a 29.99 % if the balance wasn't paid in full when ultimately it should have been paid in full. This is credit robbery.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc (FL)

Debt Contract Request I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. this is what is currently showing on my credit report i would like them to send me a contact stating i had a contract or account with them or verify this debt is mine if is not please remove inaccurate information off my credit report as it is reflecting negatively on me to lenders. 
thank you Balance {$3300.00} Balance updated XX/XX/XXXX Original balance {$3300.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$3300.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Contact info Name XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX, FL XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2024-02-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SoLo Funds Inc. (NC)

I received a loan from Solofunds, which had not been repaid. Solofunds turned me over to XXXX XXXX, a debt collection company. I was able to set up a payment plan with XXXX for the total amount owed of {$780.00}. The payment plan was for {$50.00} every two weeks beginning on XX/XX/XXXX until the total debt was paid. Not only did XXXX debit the first payment of {$50.00} from my bank account, but Solofunds debited the entire amount of {$780.00} from my bank account. I called XXXX first and explained what had happened. They suggested I reach out to Solofunds, to let them know I was working with XXXX and had a payment plan set up, and to request a refund. Solofunds does not have a telephone number you can use to reach out for support, just an e-mail address. Despite multiple e-mails to Solofunds, they have not responded to me or attempted to assist with this situation. I believe turning me over to a collection company but then collecting on the entire amount to be unfair debt collection practices. The lack of communication between Solofunds and XXXX is unacceptable. The " double-dipping '' of funds is unacceptable. The lack of communication to individuals from Solofunds to resolve problems is unacceptable.
Consumer complaint received 2024-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Albert Corporation (LA)

XX/XX/2021 my card was stolen. I didn't realize until I went to make s purchase that it was gone. I quickly downloaded the app and contacted them. When we returned back to the hotel I called the police to make a report being the person went to multiple stores using it so hopefully cameras were available. Albert said they concluded no crime was committed and I've been trying to find help every since. They stole over XXXX and Its not fair to me or my children they get away with it plus we couldn't the money stolen. It's really a hurtful and sad situation to endure.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

After recently obtaining a copy of my consumer report, I noticed an unauthorized inquiry being reported by XXXX. I am a victim of identity theft, and have sent experian a copy of my police report on XX/XX/scrub>XXXX XXXX XXXX requesting to delete the unauthorized inquiry immediately and have yet to receive a response.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

Experian is reporting collections on a case that was already addressed here with the CFPB. XXXX XXXX. Two accounts are showing on my report. Earlier this year, I reported them here. They failed to return a reply in 30 days. Please have both XXXX XXXX removed from my credit report for failing to comply within the legal 30 day statue.
Consumer complaint received 2024-02-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: LendingUSA (IL)

I obtained a loan I thought was lendingusa. It turned out to be a scam company and the stole XXXX out of my checking account. They just now tried to take XXXX out of my XXXX XXXX. I have a signed contract says lendingusa, but it wasn't them.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (AZ)

I accordance with the Fair Credit Reporting Act this collector has violated my right under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15 USC 1681 ) section 6 0 4 a section 2 ( it also states a consume reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-19
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: Navient Solutions, LLC. (FL)

While with my ex-wife, I co-signed three student loans ( Navient is the provider ) to allow her to finish her education. We have been divorced now since XXXX, and during the divorce proceedings it was made clear and approved by the judge that my ex-wife would be solely responsible for any loans that I was co-signer on. Recently, in XXXX of XXXX, she unknowingly fell behind 60-days with her payments, and because of my continued association with those accounts, my credit has plummeted in response. I submitted a dispute request with XXXX on XX/XX/XXXX and asked them to remove the account and/or the negative information. I provided a justification and the document from our divorce proceedings, and they declined to do anything regarding the situation ( simply came back in less than a week 's time with nothing but a verification that it is my account ). I submitted a similar dispute to XXXX about five years ago, regarding these same accounts, and they cooperated by removing those accounts from my report. My credit scores are wildly different because of these accounts, and it has caused my XXXX score to plummet XXXX pts since this issue. I have a similar dispute currently filed with XXXX as well, for the same accounts and reason.
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK (IL)

I am trying to pay my lawyer his {$150.00}. I opened a checking account with Discover and they do not let me use XXXX for 90 day lawyer uses XXXX XXXX too. The app said Discover declined and to call them. I did and they said nothing was wrong on their end. Tried again, declined. Called back and the rep told me not to yell at her and I was not. XXXX up and called someone else who finally told me Discover doesn't allow XXXX XXXX anymore because of their security update and to find another way to pay.
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was reviewing my Online Banking and I did see the indication of how much I would have to pay to pay the account off in 36 months. This would be helpful so that I can see how I can get to pay this off in a short period of time.