davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

I have a Citibank XXXX XXXX XXXX XXXX. On XX/XX/2023, I made a {$13000.00} payment to the balance of the card. On XX/XX/2023, a regularly scheduled payment of {$990.00} was made. BOTH payments cleared my bank the day following each individual payment. On XX/XX/2023, I received a statement stating I had a balance and AVAILABLE credit of {$15000.00}. Today, XX/XX/2023, I attempted to use my card for a {$290.00} purchase. This is purchase obviously well below my available balance. The card was declined. As a result, I called Citi and was given bogus, vague excuses. I was told by two Citi employees that sometimes they just choose to put a hold on a payment. Criteria varies. I was told the payment may have been too big or that I made more than one payment. Yes, i did both. So, to be clear the reason for a hold on my card was my payment was too big and I made two of them in the same month?? Was I paying too much too fast? The second rep said she can call the bank where I keep my checking acct bank to see if the two-week-old payments had cleared my bank, but since it's after XXXX she will have to call tomorrow. One challenge, I want access to the available credit balance today! This is insanity. I was never notified in any way, shape or form that Citi would place a hold on a payment. This defies all logic. Citi has had the money I paid them timely before my due date with plenty of opportunity to verify the cleared payments and for me to receive an email statement for XXXX month reflecting said payments. What's pathetic is Citi knows they received the funds. They acknowledge such in the statement. Shutting down a card is what should happen when a customer does not pay their bills on time and does not make payments larger than the minimum requirement. 

A bonus for the whole endeavor I had to ask the first rep to quit eating his salad while talking on the phone.
Consumer complaint received 2017-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (NY)

I have federal subsidized and unsubsidized XXXX school loans which were consolidated and are presently serviced by FedLoan Servicing, on behalf of US Dept of Education. I annually recertify my loans under the Public Service Loan Forgiveness program and for Income Based Repayment for partial financial hardship. I am married and have XXXX child ( a daughter ), and my wife and I file our federal and state income tax returns on a separate basis. Based on DOE 's regulatory guidance, the recertification determination under IBR should not need consider the spouse 's financial income or tax information when borrowers are married separate tax filers. However, regardless of this ( which has been orally confirmed by FedLoan representatives ), my most recent recertification application was denied for failure to submit my wife 's income and tax information. The explanation for this as provided by FedLoan was that the form supplied by DOE is defective. I have been advised that I could just say that I " do not have reasonable access to my spouse 's information. '' However this would be a falsehood as we are married, and we reside in the same domicile. This is inequitable and requires a logical, consistent solution.
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XX/XX/XXXX I used the bill pay feature on my checking account. I set up the bill pay by entering the name of the institution ( XXXX XXXX XXXX ), the address, the phone number and the account number. I sent {$700.00} for a car loan. On XX/XX/XXXX XXXX XXXXXXXX XXXX reached out to let us know that they had not received our payment even though is had posted on XX/XX/XXXX as sent. We thought that maybe it needed more time but they called again on XX/XX/XXXX and we asked out bank for proof that the transaction had occurred. They sent the proof of transaction to us and we shared that information with XXXX XXXX XXXX. They noticed that the correct routing number was not used. The routing number that was used was to XXXX XXXX XXXX in Missouri. We call Capital One and filed a claim. It was denied and they stated that they dis as we instructed and sent the payment. We spent hours talking to supervisors at Capital One and filed an appeal with their notes and again it was denied today. We call again and were told that we need to find the money ourselves and that there is nothing they can do to help us. When we filled out the information for the bill pay we were not asked for a routing number, it was automatically generated by the bank and was sent to the incorrect institution. There was not an error on our part and the bank is refusing to help recover our money that they sent to the wrong institution.
Consumer complaint received 2021-01-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have experienced an ongoing issue with the credit reporting bureaus regarding noncompliance with the Fair Credit Reporting Act. I have initiated investigations and disputes both electronically and via us mail. I have not received a response or the investigation summary results regarding any of the investigations and disputes.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> Dear Credit Bureau, I am writing to bring to your attention certain inaccuracies that persist on my credit report despite your prior investigation. These erroneous items are negatively impacting my credit standing, which consequently affects my ability to secure favorable credit Terms. 

XXXX XXXX XXXX I kindly request an immediate re-investigation of these matters, and urge you to rectify any errors as soon as possible. 
In adherence to the Fair Credit Reporting Act ( FCRA ), Public Law 91-508, Title VI, Section 611, Subsections A-D, I am requesting disclosure of the names and business addresses of all parties who have verified these contested items. This will allow me to follow up directly with them if necessary. 
Upon completion of your re-investigation and any resulting modifications to my credit report, kindly forward an updated copy to my address listed above. 
The FCRA mandates that all disputed information that can not be verified must be promptly removed from my credit report. It also permits me to seek damages in court if you fail to comply with federal law. 
I appreciate your swift and cooperative response to rectify this situation. It is my hope that we can resolve this issue amicably and in accordance with federal regulations. 
Thank you in advance for your immediate attention to this matter. 

XXXX XXXX XXXX
Consumer complaint received 2024-03-29
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. (PA)

My understanding is that according to FCRA 605B, we're obliged to expunge any inaccurate accounts from my credit report. Could you please review the documents? Certain accounts listed are inaccurately reported.
Consumer complaint received 2018-03-20
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: ALLY FINANCIAL INC. (TN)

Last year after the whole XXXX  data breach I decided to check to see if I was affected and to my surprise, I was. So then I pulled my credit report so that I can see if any fraudulent charges were on my account and there were 2 accounts that I did not know of and a lot of inquires that I NEVER authorized. I later that day went to the police station to make a report of all of the inquires and sent in disputes XX/XX/2017 by mail and called to all the credit companies along with the places that pulled my credit as per the police officers request. So far only 2 companies have deleted the unauthorized inquires. I am requesting that you please remove ALL of the fraudulent unauthorized inquires.
Consumer complaint received 2023-04-15
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX : {$11000.00}.
Consumer complaint received 2023-05-31
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Credit Corp Solutions Inc. (GA)

I spoke with a representative in regards to my recent payment. In which, I told him I could make payments this month. However, When I explained to him we would need to further discuss issues arising of me making future payments. Due to me going on maternity leave and I wouldnt have any money coming in. He got quiet and stated there wasnt anything he could do to assist me with that. I asked to speak with a supervisor or a higher superior to discuss this matter. He then placed me on hold without telling me to hold on! I stayed on hold for five minutes listening to company music and never heard back from the representative its like he left me on hold hoping I would hang up. He was rude and got disgruntled when I asked about any programs to assist me while I will be out of work. I dont know how a company can not understand you will not be receiving incoming money like usual. This is not the emotional stress a person need during this time.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Army and Air Force Exchange Service (CO)

I have loans that are over XXXX XXXX XXXX from like my military star card which I was swore. I paid off. I've been paying you even though I'm not sure if I even owe them. 
There's got to be some way I can Settle it since it's over XXXX XXXX XXXX. 
I also have other debts that are over a XXXX XXXX XXXX. That should be taken off my credit report.
Consumer complaint received 2024-03-29
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)

Upon conducting a thorough investigation into my credit report, I discovered numerous unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported accurately. This negligence has caused severe emotional distress. 

Under the Fair Credit Reporting Act, it is imperative that all information on my credit report be reported with 100 % accuracy. However, your agency 's failure to uphold this standard is unacceptable. 

I demand immediate action to rectify these errors and expect full compliance with federal regulations. Failure to do so will result in further legal action.
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

What I said in my complaint ... 


To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XXXX XXXX, 2017 by certified mail in order to dispute information, in regards to XXXX hard inquiries, that was being reported on my credit report. They received the letter on XXXX XXXX, 2017 and they completed the request on XXXX XXXX, 2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2023-05-31
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo processed a re-fiance on our original mortgage which was in XXXX- they ( WF ) contacted us directly. When the banks received their bail out money from the government ; instead of contacting customers who were behind on their mortgage and in foreclosure- they called us. We were never late with any of our payments starting in XXXX, in fact I even made additional principal only payments to the loan. To be very clear we had no problems paying our mortgage in XXXX - we didn't even qualify for a XXXX loan in XXXX because we were not " upside down with the loan to value '' The big trick of all here is that we didn't even find out what Wells Fargo did until we fell behind on our mortgage in XXXX were Never told, Nor was it was never disclosed to us that this was a XXXX loan. I called XXXX directly and that is when I found out what really happened in XX/XX/XXXX when Wells Fargo lied to XXXX XXXX & Us. They passed this loan on to XXXX XXXX and never looked back. I received a {$50.00} check in the mail from Wells Fargo ( Which I did NOT sign ) it stated that our account was identified as an account that was effected by an ongoing investigation. In XXXX - to today which is when we really need Help & Thanks to Wells Fargo & this XXXX  Trap - This is a 1 per lifetime & even though WF admits to non disclosure, they have refused to work with us so we can keep our house. To make things even worse I was involved with 2 horrific auto accidents that I still suffer with chronic pain today. The 2 motor vehicle accidents were on XX/XX/XXXX & XX/XX/XXXX I am at a total loss - I have no idea why they are allowed to get away with their actions
Consumer complaint received 2023-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

When I obtained my mortgage from Huntington Bank, I was first told by the mortgage officer, XXXX XXXX XXXX, that there would not be private mortgage insurance. Further into the loan process he said that the appraisal did not come back high enough so I would have to pay private mortgage insurance. I inquired with him as to when I would be able to have that private mortgage insurance payment removed. He told me once I got the loan under {$100000.00} I just needed to request it and they would remove the private mortgage insurance. I have paid for XXXX  years and got the mortgage under {$100000.00} and requested it. I was told they would not remove it. When I inquired with the company they told me I needed to contact XXXX XXXX XXXX to have it removed. 
When I inquire with XXXX XXXX, he has emailed me back and told me that the rules have changed since I signed my mortgage with them. 
How can they change the rules after the fact? I feel they are being very deceptive and continue to collect private mortgage insurance for me even though I followed exactly what they told me I needed to do.
Consumer complaint received 2022-11-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

In XX/XX/2022 I was approved by Florida XXXX XXXX XXXX. They Paid Amerihome mortgage company arrears and also approved me for 18 months of future mortgage payments. After Amerihome received the first two payments they stop applying these payments to my account. Now they are saying Im in default due to non payment and XXXX mailed them a check out in XX/XX/XXXX and XX/XX/XXXX. A rep from the XXXX program reached out to this lender to provide check numbers for these payments but this lender still claims they arent received. This sounds fishy to me because they lost these checks or havent yet applied them to my account but now want to penalize me for payments and they have proof of payment.
Consumer complaint received 2023-05-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (GA)

XX/XX/2023 I processed a transaction and had a contract that was established using my SSN as credit approval for the contract that was together. I asked for my right to recession paperwork and was told that they did not have anymore.I was told I had to put a downpayment which violates 15 USC1662 when a down payment is not needed when you use my SSN 15 USC 1602 ( l ) which is a credit card. I was also told that I had no choice but to get insurance 15 USC 1605 ( b XXXX  which establishes there is insurance on the car. XX/XX/2023 I established my security with a XXXX File Number : XXXX XX/XX/2023 I sent off the paperwork to revoke XXXX, Right to Rescind, and affidavit Sent off the same information in a pack to the registered agent and in this pack was an affidavit, Right to rescind, Revoking a power of attorney, and a bill of exchange along with an explanatory statement and a XXXX statement
Consumer complaint received 2018-04-12
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. (VA)

Experian is reporting incorrectly a payment amount on my XXXX XXXX Credit Card. I have provided a snap shot of what is currently being reported. The report is reflecting a payment amount of {$25.00} which is incorrect and needs to be {$0.00} as the other two bureaus are accurately reporting.
Consumer complaint received 2023-05-31
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: CITIZENS FINANCIAL GROUP, INC. (NY)

I originally had a savings, a checking, and a credit card account with XXXX. When they ceased operation and the accounts were transferred to Citizens Bank on XX/XX/XXXX, soon after that I contacted Citizens and closed my savings and checking accounts. I never received a new credit card from Citizens Bank. I'd moved on to use other bank and credit card. 

On XX/XX/XXXX, there was a {$10.00} fraudulent overseas transaction on my Citizens credit card, I did not notice the transaction until XXXX, when Citizens notified me by mail the balance was overdue. I contacted customer service at Citizens on or about XX/XX/XXXX and the representative put the card on hold, and requested I speak to " fraud department '' to remove the transaction. However no one answered after a 40 minute wait. 

On XX/XX/XXXX, I contacted Citizens again. I spoke to a customer representative about the fraudulent activity and again was transferred to the " fraud department ''. No one came to answer after an hour wait time. 

I wish to have the issue resolved and my Citizens credit card be cancelled.
Consumer complaint received 2022-12-21
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. (DE)

Hello, My name is XXXX XXXX XXXX. I noticed Wednesday, XX/XX/2022 these accounts that I have listed have been opened using my personal information. I am requesting the following accounts be removed from my credit report. I am a victim of identity theft. I did not make any of these charges. The last few years Ive had to jump around a lot from place to place because I was not in the best space mentally and that led to me becoming unstable in other areas of my life. See, I lost my girlfriend a few years ago and she was XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXl. A driver under the influence rammed into my girlfriends vehicle. Neither XXXX of them made it and that turned my world upside down. I stayed place to place where ever I could and my personal information was stolen in the mist of it all. Please delete these items as soon as possible. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I have contacted the company about this and they have done nothing to help me! in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX XXXX XXXX please validate that this debt belongs to me and please show me the original contract. 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.