davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

We sold our home in XXXX on XX/XX/XXXX, mortgage loan balance was paid in full to Community Loan Servicing LLC. There is an escrow balance of {$5000.00} that is due me that I have been unable to collect. I first called company around XX/XX/XXXX and was told my check was mailed on XXXX, but was sent to the XXXX XXXX. I never received the check even though I did have my mail being forwarded. I tried calling several times but had a very difficult time getting through to anyone. On XX/XX/XXXX I reached someone that updated my new address and tried to get me through to the customer advocate team. No one answered & I was prompted to leave my call back number, which I did but never got a call back. I called again on XX/XX/XXXX and was told a new check was issued and MAILED on XX/XX/XXXX to my current address & to give it 5 business days to arrive. Today is XX/XX/XXXX and no check. I just called again and was told there was no 2nd check sent because they still had to put a stop payment on the 1st one, they would send a new check in 5-7 daysBUT they probably wont be able to because my loan was sold to a new company and as of XX/XX/XXXX I would have to deal with them! I have been lied to repeatedly and I want my money due me. Please help!
Consumer complaint received 2022-05-26
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. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX  XXXX Account # XXXX U S DEPT OF ED/XXXX Account XXXX XXXX and XXXX U S DEPT OF EDXXXX Account # XXXX and XXXX U S DEPT OF EDXXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX U S DEPT OF ED/XXXX Account XXXX XXXX and XXXX U S DEPT OF EDXXXX Account # XXXX and XXXX U S DEPT OF EDXXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX has the following WRONG addresses on my credit report. 

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 XXXXXXXX XXXX has the following WRONG addresses on my credit report. 

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 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 Experian has the following 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  These addresses do not belong to me and may be negatively effecting my credit report.
Consumer complaint received 2022-09-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (MN)

I reported that my accounts had been compromised and disputed XXXX and then XXXX transactions. Chime found the transactions to be legitimate and told me I would have to find evidence. After bringing them evidence from almost every merchant they still said they needed more evidence and I was notified that my account would be closed. I also notified Chime that there was an upward of {$2000.00} discrepancy between what was actually in the account and the actual balance. They just told me I had violated their standards.
Consumer complaint received 2022-12-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (IL)

The billing information for my promotional balance of my credit card was not provided via the account webpage that purported to contain all of my account information resulting in me being charged {$400.00} in interest that could have been avoided had I been provided with the same information provided in billing statements. I signed up for paperless billing and I am directed to the homepage of my profile each month to make my monthly payment. I do not see the " paper statement '' that is sent nor am I prompted to review said statement prior to making my payment. Instead, I visit my account home page that contains my transaction history, payment information, due date, etc. I also look for messages regarding my account in the electronic messaging system. To my surprise, having received no notice via the messaging system or my account homepage, I have been charged over {$400.00} in interest because of promotional balances that have allegedly not been paid off. I did not receive anything electronically notifying me that the expiration period was upcoming or that I risked being charged these amounts. Had I known of these issues, including the fact that there was remaining balance on the promotional amounts, I would have made sufficient payments to avoid these interest payments. It is disingenuous that the homepage purports to represent pertinent account information, but this issue is hidden in a statement that requires to be downloaded. This information should be readily available on the account homepage as is all other important account information. It should be far harder to find what my XXXX Rewards balance is than to find information that exposes me to {$400.00} plus in interest. <P/>The failure of the resolution of this matter has led my account be over the limit and the cardholder closing my account without notice.
Consumer complaint received 2022-12-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2015-07-24
Product: Credit card — 
Issue: Rewards — 
Company: WELLS FARGO & COMPANY (IL)

I applied for a wells fargo propel card on XXXX XXXX 2015. I had to spend XXXX in 3 months to receive XXXX bonus points. I completed my required spending in XX/XX/XXXX and my bonus points were shown as pending to post XXXX XXXX. I also called XX/XX/XXXX to ask when they would post - i was told XXXX XXXX. They did n't post and i called back XXXX XXXX - the lady said they would post XXXX XXXX. I verified on the website that it was now changed to XXXX XXXX. I called in XXXX XXXX when they did n't post and was told they would post XXXX XXXX. My complaint is that they are not posting in the time their fine print said, as well as they would not return phone calls as promised ( i spent over 3 hours on the phone through 6 phone calls all pertaining to this ). In addition, my points have still not posted even though i held up my part of the agreement - wells fargo is not holding up their agreement in their fine print under the promo i signed up for.
Consumer complaint received 2019-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (OH)

I have had issues with Citi Bank credit card 3 times since XXXX of this year. 

1. XX/XX/2019 -- my card was used for a lease in PA to obtain an apartment. One, I don't live in PA. Second, person that used it is not my name and do not know how they obtained my card which Citi cancelled and issues me another card 2. XX/XX/2019 -- there where three payments made that is did not make of XXXX, XXXX and? Which they closed it. I tried to explain to them and inform them I did not make those payments and had to send everything to XXXX  which had to correct it which then Citi overturned and reinstated since they realize I did not make the payment not could tell me whom made the payments as well as I did not authorize the payment. 

3. XXXX XX/XX/2019 -- same issue as XX/XX/2019 someone made a payment of XXXX which I did not make not could Citi tell me whom made it and closed account as well as I did not authorize payment of XXXX. 

I tied to inform them of this and XXXX from there higher up department made numberous counterdictions in her statement on the phone as well as their letters. I did mail a copy to your company along with a couple other issues for XXXX  breach which need addressed as well. She first told me that is was closed cause that their were too many new accounts open in my name that I did not open and or authorize. Then her second conversation she states it was closed because of the payments. Third conversation she goes back and forth between the first two stories of too many accounts open which is false and payments made which I did not authorize. I did mail you a copy of the letters and everything from XXXX til now from them that are counterdict each other and they can't answer questions.
Consumer complaint received 2019-11-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (NV)

I had a bill from an ambulance service I was trying to covered by my health insurance company, I did receive a couple bills, but never knew it went into collections until I found a collections mark already hit on my credit. I never got any notice from the collections agency and had no way to dispute or validate the debt. When trying to call they just asked for payment, and did not seem to care about not receiving any written notice. I am also not sure who has the debt, my credit report says TCI, but when I tried calling the number they give me a different name of XXXX.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX I took delivery of a XXXX XXXX XXXX from XXXX XXXX in XXXX, MA. The sales person drove away with my XXXX XXXX and I thought the transaction was done. 
At the beginning of XXXX, my banker called me to tell me I was on the overdraft list. It turns out XXXX XXXX had never paid off my loan. 
When I called to inquire, they accused me of not replying to them with payoff information. Payoff information was provided XXXX in order to conclude the financing. 
When I reported it to XXXX ( case number XXXX ) they found that the dealership had mis-entered or left blank my contact information. I requested payment for the overdraft charge and additional interest, and this was received. 
The loan was finally paid off with XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
I entered the XXXX XXXX of XXXX on XX/XX/XXXX and spoke with XXXX. I asked if a conversation could be had to get back the 2.9 % interest rate that I had enjoyed with the bank prior to payoff. ( My rate with XXXX is 6.5 % - due to a bankruptcy 10 years ago, I always pay a higher rate until I refinance ). I was told I had to reapply and the loan would now be at 17 % based on my credit score which dropped XXXX points due to the inquiries done by XXXX and their failure to payoff my loan. 
I continue to monitor for this to be reported, but as of today, 20 days later, it has not. I have been working hard on my credit and income the last year and a half to purchase a house, and now those plans are on hold until I can get back to the XXXX score I had before.
Consumer complaint received 2022-05-26
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: Applied Business Services, Inc. (HI)

XXXX XXXX XXXX XXXX XXXX XXXX, Hi XXXX I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX XXXX XXXX ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

All accounts in dispute listed below : Applied business service XXXX XXXX XXXX XXXX, nc XXXX
Consumer complaint received 2022-05-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

In 2016, I took out a line of credit with Fifth Third Bank to borrow money for some property that he was purchasing. Upon purchasing and selling the property, he immediately paid off and closed the line of credit. Despite closing the line of credit in 2016, Fifth Third continued to charge an annual fee of {$65.00} or a total of {$390.00} for the following 6 years. The interest rate for the line of credit was 4.74 %. Approximately 3 years ago, I needed a loan and went to Fifth Third and secured a {$3000.00} loan with an interest rate of 12.99 %. I have been assessed over {$1000.00} in interest rates since paying off the loan a month ago. In XXXX of this year, I went to Fifth Third requesting an application to submit for a line of credit. The Fifth Third representative told me that I already have a line of credit in the amount of {$80000.00} which I assumed had been closed in 2016 when I paid it off. I have contacted the Branch Manager ( XXXX ), as well as the District Manager ( XXXX XXXX ) and have requested that either the interest rate for the {$3000.00} loan or the annual fee for the line of credit be reimbursed due to the fact that I would not have agreed to the much higher interest rate of 12.99 % if I had been told that I could access funds from the line of credit. Despite several efforts to come to a resolution, Fifth Third is unwilling to reimburse me for what I feel are double charges. At the very least, Fifth Third acted in an unethical manner by only offering me a high interest loan of 12.99 % when I had a much lower line of credit rate of 4.74 % available and wasn't aware. I would like to get this resolved as soon as possible. Thank you.
Consumer complaint received 2022-05-26
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. (IL)

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the fourth complaint I have had to make about the lack of response. My most recent complaint was made on XX/XX/2021 and was accompanied by a dispute submitted directly to TransUnion, XXXX and XXXX. While I understand that there is a pandemic which can cause delays, I have not received anything from them since my dispute on XX/XX/2021. This is not a delay : this is negligence on the part of TransUnion, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by TransUnion, XXXX or XXXX to resolve anything. the DAY after I filed my original complaint, data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. TransUnion must be held accountable and to the standards clearly outlined in the FCRA.