davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (CA)

I have a Costco Citi Visa credit card. Until recently, my credit limit was {$8200.00}. I have never been late and always paid on time. Recently, I paid off the balance of {$8000.00}. Even though the payment was made via ACH verified funds, Citi delayed crediting my account for several days. This delay in applying bonafide funds to my account adversely impacted my credit profile by showing a higher balance than XXXX balance after the account was paid in full. After I complained, Citi reduced my credit limit from {$8000.00} to {$4000.00}. This act treated me differently than it treated other customers in a similar situation. They sent an adverse action letter stating the reduction was due to having a late payment with another creditor. This explanation is mystifying because this delinquent mortgage account has been delinquent throughout the period I had a higher credit limit with Citi credit. Additionally, During the period I have a higher credit limit, I had a much lower credit score than when the reduction in limit went into effect. This practice of Citi 's conduct is discriminated against me on the basis of my race as being a XXXX XXXX XXXX. Otherwise, no legitimate business reasons exist for Citi 's conduct in adversely reducing the limit.
Consumer complaint received 2021-03-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (PA)

Attention all! Never ever buy a product fromXXXX XXXX  I repeat never ever buy an XXXX appliance EVER from them or through The Home Depot I bought a $ XXXX XXXX refrigerator in XX/XX/XXXX brand new through The Home Depot wasnt received until XX/XX/XXXX Stopped working all together XX/XX/XXXX literally unusable not cooling or freezing. XXXX wont fix it, replace it or respond. Says part ordered for over a month. XXXX Contractor was super nice and helpful but said hands are tied and has to be replaced and with the office.. Multiple calls and emails and no one responds and Home Depot says not their problem since its been purchased under a year and falls under manufactur warranty and I bought the extended warranty and purchased on my Home Depot credit card. I am now over a month without a working applicance and no support from XXXX XXXX or XXXX stay far away!!! I had them remove my old appliance when they delivered my new one so now I am without appliance! does anyone have a connection at either place that can help me actually get my appliance replaced or my money refunded so I can buy a new one?
Consumer complaint received 2023-01-22
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 have the following credit inquries on my consumer report that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (FL)

Ability Recovery Services reported to XXXX XXXX ( " CK '' ) on XX/XX/2021, I realized the info from an email alert from XXXX. Ability also reports that I opened an account on XX/XX/2021. This info is false. I never opened an account with this company. There is no contact info on XXXX XXXX  website to request validation. This inquiry was not on my credit report last month.
Consumer complaint received 2021-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
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 LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account Number : XXXX - XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-07-12
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: Self Financial Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I asked the 3 credit bureaus to verify a bankruptcy. I contacted the courthouse to see if they verify with these agencys. The lady told me that they dont do that. 

There are other things on my report, that I asked them to send verification. They replied its not their job to do that. Its been over 30 days.
Consumer complaint received 2021-07-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (MD)

The week on or before XX/XX/2021, I contacted Sallie Mae , Inc., to discuss payment arrangements. I spoke to a lady name XXXX. During the initial call, she asked for my address, which I provided her with my current address as I recently moved. She then asked for my address on file, which is my mothers residence. Subsequently, she verbally said when I call to use that address on file. ( all calls are recorded so this escalation should be able to retrieve ). 

XXXX informed me that my account was almost 60 days late, which I expressed I was having troubles making payments due to my mother losing her job due to COVID-19. I assumed all financial duties to ensure the house was up-to-par and dire bills were paid. Then, XXXX advised I had a few more days to make a payment before it reflected on my credit reports. I agreed with the payments and provided her with my debit card. I also advised that all banking information was connected to my current address and not my previous address. On the day of extraction, no monies came out. I assumed it was a delay. A few days later, I called to inquire and was advised that my payment was not processed because of incorrect address. 

This has now been reflected on my credit report and has caused me to lose over 100 points. I am in the middle of buying my home and have had to pause with my lender because my credit has been negatively impacted. When I did call back, I had the representative extract the monies out the same day as the money was in the account.
Consumer complaint received 2021-06-23
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: Santander Consumer USA Holdings Inc. (NY)

the following accounts that appear in my report, are not mine, they were reported without any authorization, they are hurting me. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

6. Identity Theft SANTANDER Account Number : XXXX This is not mine. 

7. Identity Theft XXXXXXXX Account Number : XXXX This is not mine.
Consumer complaint received 2020-12-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money (MD)

The amount my contract wants me to pay back is just completely unreasonable and unaffordable. I owe XXXX for a XXXX dollar loan?? Not only that but the initial sign up process of getting the loan was shady and omitted certain details until the revealing of the final contract ( which Id also argue contains language meant to confuse borrowers ). They are charging me 20 payments of XXXX from XX/XX/XXXX to XX/XX/XXXX. This makes no sense and is completely unfair and ethically wrong especially knowing that borrowers are often not in healthy financial standing. I understand that I did sign a contract but this is just wrong. This loan ( plus financial struggles due to COVID-19 ) is doing so much more harm than good for not just my financial well being but my mental and emotional well being as well.
Consumer complaint received 2021-03-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP (OH)

I received a debit XXXX card from US Bank ( ReliaCard ) at my home address, but it has the name of another person. I phoned USBank and after talking to several departments, I was told that they only process orders from US Government agencies and have no personal information on recipient. I checked - there is no one in our area with this name. I sent a fraud report online to our local Jobs and XXXX XXXX XXXX, but there has been no reply. I checked my credit report, but nothing shows up there. Since there has been soooo many fraudulent claims and sooo much money has been lost - I think it's been Billions!!! - I want to be sure that our address or other info hasn't been compromised!! 
Tell me what to do with this XXXX debit card, I have been uneasy about just throwing it away. Name on card XXXX XXXX # XXXX XXXX XXXX XXXX exp. XX/XX/24 Thank you for your prompt reply!!
Consumer complaint received 2021-07-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION (IL)

We have been under contract on a property since XX/XX/2021 and had an initial intended closing date of XX/XX/XXXX ( 45 days later XXXX. It is now XX/XX/XXXX, and we still are not clear to close which we are being told isnt even the final step in our mortgage process. We have had now 4 extensions to the contract and are on our XXXX day. 

I am filling this complaint in an attempt to get someone within Regions to take accountability for the fact that they are not being communicative to us, that the underwriters are dragging their feet, and that they have lost all credibility with the attorneys involved in the transaction. 

Regions committed to us a 45 day closing on an IHDA mortgage. They have violated our trust, misled us in the time it would take to complete things and repeatedly asked us to provide documents we have already provided. 

We have tried letting anyone on their side who will listen know that we need them to fulfill their commitment to us, but none of them seem to care except our direct contact. Our broker and attorney have also tried to work with Regions, for which the bank has been less than communicative or responsive.
Consumer complaint received 2021-07-11
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: Experian Information Solutions Inc. (GA)

I sent a letter disputing fraudulent furnishing on my credit report on XX/XX/21 to the three Credit Reporting Agencies ( Experian, XXXX XXXX ). And all three have failed to legally remedy my report and delete the inaccuracies. According to FCRA and 15 U.S. Code 1666b Timing of 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. '' These agencies also violated my rights by furnishing these late payments without permissible purpose and consent by me, under 15 U.S. Code 1681b.

It has been over 30 days with no response so I have sent a additional letter on XX/XX/21 and have included that also.
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am having a hard time getting a direct answer to my issue. I have excellent credit. Had a car loan from XXXX XXXX XXXX. Never missed a payment or late on a payment. Decided to pay off loan amount so as not to incur addition interest payments due to the pandemic. Checked my credit score on XXXX and Transunion and they dropped my score 20 points. Spoke to both agencies and they informed my it was due to the fact that I closed an account. I explained to both agencys that I did not close the account. The account went into fee simple status because my loan was paid in full and it was a legal obligation for XXXX to close the credit line upon loan being paid in full. They informed me it is still deemed as a closed account. So I pay my loan in full and they are justified in lowering my credit score. How about the fact that I eliminated almost {$5000.00} of outstanding credit that in practice should by agencies standards raise my score. I never miss a payment and pay my loan off early and I get my credit score dropped 20 points. This is legal.
Consumer complaint received 2021-06-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (GA)

On XX/XX/2021 I.C SYSTEM, INC Debt Collector Company that Reported on my Credit claiming that I owe them {$360.00}. They have never given me any service or my Creditor and I did not give them permission to report on my Credit Report. I disputed it Through XXXX on XX/XX/2021, on XX/XX/2021 they said the account has been verified as accurate. I.C SYSTEM, INC ( debt collector ) is not apart of XXXX XXXX XXXX XXXX ( creditor ), just because you receives an assignment or transfer of a alleged debt does not make them a Creditor according under 15 USC 1692a. When the Debt is Being Disputed under 15 USC 1692g ( 4 ), verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. XXXX did not show the Verification and I.C. SYSTEM, INC has not mailed the Verification. It's said that the Creditor Bureau 's doesn't follow or know the FEDERAL Debt Collection Practice Act 15 USC 1692
Consumer complaint received 2018-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (NY)

When I was approved for a Wells Fargo credit card there was information on my credit report that caused the interest to be set at a rate that gouges me - approximately 25 %. I have informed Wells Fargo that this information has legitimately been removed and that they should re-review my rate. At my current XXXX credit score, I believe that my rate should be sub-20 %. Today a man called me to ACKNOWLEDGE that they have an internal department that reviews accounts for APR reductions but told me that he WILL NOT get in touch with hem to see if my APR can be reduced. They scam people by knowingly overcharging them for interest, in cases such as mine where they know there is a discrepancy. I will continue to work with the company and keep the CFPB abreast of their continued abuse of customers.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I'd like to appeal the inclusion of inaccurate information on my credit report, which has resulted from identity theft. I request that you promptly investigate and remove the following false information from my credit report for I have already submitted their requirement and that is to file my complaint in Federal Trade Commission or FTC. I am a victim of identity theft, and I have no knowledge of how my personal information was compromised. Furthermore, I have no awareness of any suspects involved in perpetrating this crime. It is important to clarify that I did not obtain any financial gain, goods, or services as a result of this identity theft. The fraudulent accounts and activities reported on my credit file do not reflect my financial behavior or history accurately. I respectfully request that Equifax block and remove the inaccurate information associated with the fraudulent account from my credit report. 


XXXX XXXX XXXX
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NC)

I had a credit account open for several years with Wells Fargo, currently with no balance. Periodically I would check my online account with them just to insure there were no unauthorized charges and everything looked ok. I tried logging into my account and had to " try again later. '' I tried the next week and got the same message. I thought that maybe the site was down for maintenance when I was trying. After the third attempt on a different occasion, I phoned Wells Fargo and was told that my account had been closed because I hadn't used it in 18 months. I had no notice whatsoever, either regular mail or email. 
I told customer service that I wanted my account reopened. I was told they would not do that. I asked for her supervisor, then the next supervisor. I got a letter dated XX/XX/XXXX ( copy attached ) that stated that they would not reopen my account. 
In the meantime, I checked my credit report, and they had falsely reported my account " Closed by Consumer. '' Of course that lowered my available credit and showed that I was using a higher percentage of same, and it lowered my credit score. I filed a dispute with XXXX  stating that I DID NOT CLOSE my account. The result of the dispute came back showing no difference. I am adding a statement to my credit report that Wells Fargo LIED about my account 's closure. 
I received a letter dated XX/XX/XXXX ( copy attached ) and it stated " The account will show as closed by customer, as the reason for closure is the customer not using the account for eighteen months. '' I received NO notice of closure, or perhaps I would have used the card for a pending project. I looked over my last statement and could find NO MENTION of a closure possibility. I received NO Mail or NO EMAIL informing me of this situation. I received a letter dated XX/XX/XXXX ( copy attached ) informing me of revised terms. It only listed Revised Penalty terms and privacy notices. NO MENTION OF PENDING ACCOUNT CLOSURE, Please see the Wells Fargo article published in the XXXX XXXX  on XXXX. It states that " Account holders were given a 60-day notice of the closures '', and I absolutely received NO NOTICE. 
It is appalling that Wells Fargo can get away with reporting the LIE of " Closed by Customer. '' This should be against some ruling for reporting false information. I would liked to see them fined into oblivion.
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC (PA)

I canceled Lexington Law credit repair service in the first 2 or three weeks after sign up and I emailed through there system thats what it said on how to cancel but I canceled way before the billing deadline that they told me and canceled and I signed up for a promotion price and after I canceled the next month they changed my card for the XXXX some dollars for things they did not do and now they change me for stuff when they said it just one payment a month not different changed but they have FalseAdvertising in line to get people in
Consumer complaint received 2021-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Franklin Credit Management Corporation (FL)

Initial loan amount XXXX +/-, 11.5 % interest rate, 2nd mortgage, closed in XX/XX/XXXX. Been after Franklin for yrs to help modify the mortgage. I have a mountain of documents, never went anywhere ... .The loan changed hands a few times so dont know the original lender. My letter to the State of Oregon is below.

Dear Staff, Hope this email gets to you. I'm having a difficult time with Franklin Financial in modifying my 2nd mortgage on the Oregon home that I purchased in XXXX. I was in the mortgage business that went south in XXXX to XXXX and lost everything ; given the terms of the BK judgment agreement, had to liquidate any assets I held. After BK, my source of income was SS and a XXXX from XXXX XXXX XXXX. The XXXX XXXX XXXX modified my mortgage but was unable to do so with Franklin. At one point I believed we had a mortgage modification agreement. I dont remember the original lender of my 2nd mortgage that Franklin Financial no owns. The interest rate is 11.5 %, crazy in todays financial world. 
In XXXX I elected to move to FL due to health issues and the wife at the time insisted we move. The mortgage holder for my home in FL modified my mortgage, which is current to this day. Staff, I am XXXX years old and now a single dad and raising my twins that are XXXX years old. The wife had medical issues and left the family in XXXX. 
I dont work as I care for the kids. Im a XXXX XXXX the VA has classified and 80 % disable, I have war related issues ; Im not crazy or violent. 

The home is rented now, and the renter has Covid 19 financial difficulties as the rest of us do. I cant throw him out on the street with a wife and child ( ren ). All I seek is for Franklin Financial, in the spirit of President Obamas Making Home Affordable legislation, to modify my mortgage. 11.5 % interest, even today and back in XXXX is totally unnecessary. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX, NJ XXXX Loan No. XXXX Phone for Franklin XXXX Or XXXX, XXXX XXXX XXXX