davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My name is XXXX XXXX XXXX and I am the XXXX  of the Estate for my XXXX  father XXXX XXXX XXXX. The loan is behind from XXXX XXXX through XX/XX/XXXX in the amount of {$2000.00}. On XX/XX/XXXX around XXXX I called XXXX and tried to make a payment of {$1100.00} for XX/XX/XXXX -Nov XXXX. The csr rep was extremely rude and stated " ain't nobody taking a payment of {$500.00} ''. I ended the call and filed a complaint with XXXX XXXX and XXXX on the same day however I have not heard back from them. Today XXXX XXXX I called XXXX at XXXX to make a payment of {$1700.00} for XX/XX/XXXX through XX/XX/XXXX and csr rep refused my payment. She stated the property is in active foreclosure. I have NOT RECEIVED any documentation in regards to a foreclosure via us mail nor email. I asked to be transferred to a rep in the US and the rep refused to transfer my call or accept my payment. Now the Citizens Bank will charge additional fees to the account.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

I have been working in public service since XX/XX/XXXX, for the same eligible employer. I consolidated my loans in XXXX XXXX  XXXX and they were transferred to Mohela from XXXX. I have submitted employee certifications covering the period of employment from XX/XX/XXXX through XX/XX/XXXX. The certifications have been processed, accepted, and the period of time is considered " qualifying ''. 

HOWEVER, when Mohela updated my payment counts, I am only getting credit for 65 payments when my counts should be over 120. In fact, when XXXX was servicer, they had already certified 85 qualifying payments so this makes no sense. 

I have contacted Mohela numerous times via telephone and chat option. I have spoken to several supervisors. I have been told by three different supervisors that there are errors in my counts, they can't explain them, and that they are sending emails to other departments for an " expedited '' review... however, nothing has changed and nothing has moved. The counts are still at 65. I have been contacting them since XXXX, most recent contact was today. 

I have also submitted two complaints to XXXX, requesting they provide additional information to Mohela ( at one point, Mohela stated they were waiting on XXXX ) and/or that they reevaluate the record and update it. Those two complaints are still under review and as of this morning, I was told via chat when I asked for a timeframe for a response, " there is no timeframe ''.

I do not understand why supervisors at Mohela have recognized there are errors and yet months later ( this was first recognized in XXXX ), nothing has changed, my counts are still at 65, and if these mistakes had been corrected I would be more than eligible for forgiveness at well over 120 payments.

I am incredibly grateful for this opportunity but also, incredibly frustrated that what seems to be a simple/easy " case '' ( same employer, already certified, XXXX ) is taking so long to update/review for errors already identified by three different supervisors.

The amount of my student loans directly impacts my livelihood, ability to obtain a mortgage at this time, and ability to move out of the non-profit world in which I have worked for well over 25 years as a XXXX XXXX XXXX. 

I have attached the most recent certification form submitted and processed by Mohela and the XXXX " count '' as proof that the counts provided by Mohela are simply not accurate! 

Anything you can do to assist would be greatly appreciated.
Consumer complaint received 2021-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA (VA)

Apple / Goldman Sachs refused to authorize the closure of my account after 25 minutes+ waiting. Three managers were contacted and none were responsive. I was not afforded any alternate option but to endlessly wait. It seems this is an unfair consumer tactic to discourage closure.
Consumer complaint received 2024-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX  - Account Number : XXXX
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$0.00} NCB ( Original Creditor : XXXX EXETER XXXX XXXX ) XXXX XXXX XXXX {$3900.00} XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance XXXX {$47.00} XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$270.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$38.00} XXXX XXXX Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$43.00} XXXX XXXX XXXX Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$34.00} XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX ) XXXX Balance : {$43.00} XXXX ( XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$39.00} XXXX ( Original XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$45.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$36.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$43.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$47.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX : {$47.00} XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX XXXX XXXX {$38.00} XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX XXXX XXXX {$43.00} XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance XXXX {$270.00} XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$43.00} XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$47.00} XXXX XXXX Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$47.00} XXXX XXXX XXXX Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$47.00} XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX ) XXXX Balance : {$38.00} XXXX ( XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$39.00} XXXX ( Original Creditor XXXX XXXX XXXX  XXXX ) XXXX Balance : {$38.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$38.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$47.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$43.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$43.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX : {$39.00} XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX XXXX XXXX {$38.00} XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX XXXX XXXX {$38.00}
Consumer complaint received 2023-05-18
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. (MO)

XXXX XXXX XXXX of XXXX  years XXXX XXXX. Attempting to purchase a home and when looking at my credits reports found a few negative items that have caused myvloan Aplication to be denied. I have paid those items however the still dont allow me to be approved for any type of laon. I have disputed thro the credit bureaus and the companies directly to no end. Additionally there is s o me applying for ctredit as i dhave authorized any credit inquires the past XXXX years. 


All this is unfair and im am requesting that these items all be permanently removed. Any assistance you can proved is greatly appreciated. Respectfully XXXX XXXX XXXX XXXX XXXX Retired XXXX XXXX
Consumer complaint received 2023-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had for XXXX  years XXXX bank accounts with Bank Of America. 
XXXX checkings and XXXX savings. 
My account were hacked using the XXXX XXXX which have my bank debit card id. 

On XX/XX/XXXX of XXXX the following non authorize transactions were removed by XXXX XXXX {$4900.00} {$1900.00} {$7500.00} from XXXX checking account. 

Also {$7500.00} from a second checking account. 

I immediately notified the bank and they closed all XXXX accounts. stop my debit card and re-issued me XXXX new accounts. XXXX checkings and a new savings account. they told me they will start an investigation. to follow the money?. After I waited patiently for a determination I was told today my claim was denied. Over the phone, not by mail. Bank of America refused to provide me with provisionary credit until the claim was under investigation. I feel now like a criminal instead of a victim of fraud and I feel the bank is mistreating me after XXXX XXXXears of services, maybe because I am a woman, a XXXX, and a senior. I want a further investigation and find out where my money is.
Consumer complaint received 2017-03-08
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (IL)

I sent Experian a request to remove XXXX unauthorized and unverified accounts from my credit report. These accounts are incorrect and XXXX XXXX Violated Section 609 of the Fair Credit Reporting Act by not verifying signed Consumer Contracts PRIOR to reporting accounts on the credit profile.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I reviewed my Consumer Reports and noticed that I had erroneous reports on some accounts. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. The staus must be fixed for the accounts : US DEPT ED XXXX Balance Owed : {$480.00} US DEPT ED XXXX Balance Owed : {$1000.00}
Consumer complaint received 2017-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I just received notification from XXXX XXXX that I had an credit inquiry on my credit report. I did not authorize anyone to do a credit check on me. Opened my file and saw that it was XXXX XXXX.This is IDENTIY THEFT. I am wanting this removed from my credit ASAP along with a letter stating it was removed.
Consumer complaint received 2023-02-19
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: EQUIFAX, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-19
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. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (WI)

XXXX XXXX XXXX sent paypal credit card company XXXX on XX/XX/2022. Paypal cashed the check on XX/XX/2022 and applied it to someone else account. I have sent 68 fax messages with the copy of the check and the bank has sent 7 and paypal said they I still owe the XXXX. I call several times weekly and also have sent messages with the bank letter and canceled check and they refuse to help me and it's causing me to lose my credit score and caused me to pay a higher interest rate on my new car.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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
Consumer complaint received 2023-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

Someone fraudulently made a reservation and stayed at the XXXX XXXX XXXX in XXXX, MA from XXXX XX/XX/2022 to XXXX XX/XX/2022, and my credit card was charged for XXXX. 

While we were in XXXX from XXXX XX/XX/2022 to XXXX XX/XX/2022, we stayed at the XXXX XXXX XXXX in XXXX, MA. We have provided evidence of our stay as well as evidence of our travel leaving XXXX on XXXX XX/XX/2022 to both Citi and XXXX. Inconsistencies also exist in XXXX 's dispute response letter showing incorrect phone number, last 4 digits of credit card that do not match mine, and a receipt for a guest named XXXX XXXX who stayed from XXXX XX/XX/2022 to XXXX XX/XX/2022. Also, during a phone conversation, I was told that the hotel had been booked through XXXX 
I have attached a snaphsot of our XXXX history to show there was no reservation or stay at the XXXX XXXX. All described evidence is included in the attachments. 

Citi nor XXXX disputes any of this evidence. However, after 2 investigations ( Citi first classified this as billing dispute and, only later at our insistence, switched this to fraud complaint ) Citi still insists that I am responsible for this bill. During my last conversation with Citi I was told that since I had done business with the XXXX XXXX in the past ( a stay in XXXX of 2022 ) that it was impossible to make a fraud claim. Upon asking for the law or regulation explaining how fraud was not possible just because of a prior transaction, the Citi representative hung up the phone. 

Citi reference ID : XXXX
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
15 US-CODE 16921 ADMINISTRATIVE ENFORCEMENT XXXX Account Number : XXXX  Please remove it from my credit report.
Consumer complaint received 2020-04-15
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: D2 Management LLC (TX)

company called about a time-barred auto loan debt where last payment was made over 10 years ago ( a time-barred debt ). 

1 ) lied to about name of company ( was told it was XXXX XXXX. after I recontacted them, was told it is D2Management 2 ) lied to about this being a time-barred debt. they specifically said it is NOT a time-barred debt. This is in violation of federal FDCPA regulations. 

number they called me from : ( XXXX ) XXXX their information online : D2 Management LLC XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

I am re-submitting this dispute. I have contacted this bureau multiple times requesting an investigation. I am verifying that this is me who is disputing these fraudulent items. I need this removed and blocked permanently
Consumer complaint received 2018-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2018, I discovered someone had been trying to use my credit to purchase homes and cars. I found an excessive number of inquiries on my credit report that do not belong to me. I filed an identity theft report with FTC on XX/XX/2018. I reported the fraud to all three agencies. XXXX  and XXXX removed the fraudulent items immediately. However, Transunion refuses to do so. They claim I have to call each creditor on the report and get a letter from them to remove the inquiry. Since I didn't request credit from these companies, I have no way to contact them. I tried looking them up but the only name on the report is abbreviated like XXXX XXXX XXXX. There's no company I can find called XXXX XXXX XXXX. How does Transunion expect me to contact a company of which I am not aware nor can I find on the internet? I thought the credit reporting act to protect me from issues like this. 

I have contacted Transunion several times regarding this matter and they refuse to remove the fraudulent items which is dramatically lowering my credit score. My XXXX  score jumped to XXXX when the items were removed and my Transunion score is still only at XXXX. It is hurting my ability to prosper and move forward in my life. I come from a long line of military men going back to the XXXX through my dad who was a XXXX. Please help me ... I don't know what to do/how to move forward.