davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

On XX/XX/XXXX my credit score with top three agency 's was XXXX. The score is always around XXXX to XXXX depending on the day for the past 3 years. 

On XX/XX/XXXX Navient reported to the credit bureaus that the student loan was 120 days late which dropped my score XXXX points. I was devastated when I saw this change to my score. I recently had to move my Mom in due to the pandemic, because my other sibling lost his job and they all moved in with me. My Mom has hard time climbing the steps to enter the house. I am being denied a home improvement loan because of this drop. I contacted Navient about the payments and asked them if they could remove the late payment from my credit report. I also asked if there was a payment plan that would allow me to pay less than the {$800.00} a month that was due. The first thing the representative suggested was a forbearance agreement, I didn't want to use this as a result to remedy the situation, but was told it was the only way to bring the account current and would give me 3 months to catch up and be able to start making payments. 
I then asked why was the payment reported as late, when according to Consumer Financial Protection Bureau website states that Federal student loan repayments were on pause for interest and payments until XX/XX/XXXX so how was the payment late. 
The rep told me that was for Private loans only, I told her to please check that because I was just on the site and it's in bold letters that repayments were on hold until XX/XX/XXXX, so how can this be reported to the credit bureau as late. I asked to have it removed from my credit report and was told this was impossible as the credit bureau is the one he placed the late payment. We went back and forth until I hung up and called back and spoke with another rep. The next rep talked about a repayment plan that would lower the payment to half and start on XX/XX/XXXX. I asked her the same question about having it removed so I could qualify for a home improvement loan to make the changes to my house for a ramp, for my elderly mom to access the home. 
She told me the same thing that the credit bureau would have to remove the late payment, I argued that it should have not been reported late, when the XXXX deadline for the pause on payments have not occurred. 
I gave up until today. 
Please help me
Consumer complaint received 2022-01-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (DE)

On XXXX XXXXXX/XX/XXXX, I received a voicemail from a local telephone number at XXXX XXXX. The voicemail told me that someone was filing a civil suit against me : Hey this is an urgent message intended to contact you in reference to a complaint. If you have any questions or concerns regarding a pending access that are being filed against you you will need to contact the issuing firm at XXXX again that number is XXXX to discuss, this requires your immediate attention and it is imperative that we speak to you or they will be forced to make a decision without your consent again this is an urgent message. When I called the number me time, a man answering said it was a law office, and I hung up. The second time, a woman answered and said it was someplace like XXXX XXXX. When I gave her the reference number in the voicemail, she put me on hold for 3 minutes and then told me that HSBC was filing a civil suit against me for {$760.00} that was owed between XXXX and the last contact they made was in XXXX She asked what was going on in my life then that I chose to not repay my debt. Then she said that HSBC would be taking legal action and would also collect interest fees dating all the way back to when the debt was made, so 17 years of fees plus court filing fees.
Consumer complaint received 2022-01-31
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. (OK)

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every statement date and balance whether reported or not. I have sent letters every month From XX/XX/XXXX to XX/XX/XXXX trying to get this account corrected. 

XXXX Bank Account XXXX : XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as Agreed, Never Late ) and supply a corrected credit report to my creditors who have requested a copy of my credit report in the last 6 months. Im also requesting the description of the procedure used to determine the accuracy and incompleteness of the information, I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this reject the complete within 30 days of receipt of this letter, or you must remove the incorrect information please send an updated copy of my credit report to the above address. Thank you for your prompt attention, time and help in this matter.
Consumer complaint received 2022-01-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (ID)

On XX/XX/XXXX I filed a fraud claim through XXXX XXXX Bank in person letting them know that someone used their XXXX # to contact me and trick me into believing that he was a representative from the XXXX XXXX Bank. First, I was contacted via text about a fraud attempt, asking if I'd attempted a {$3500.00} Zelle transfer. After responding " No '' I received a call from someone who spoofed the XXXX # on the back of my debit card. 

Before I knew it {$3500.00} was taken from my bank account and sent to an unknown XXXX Bank account. XXXX XXXX Bank advised that the investigation could take up to XXXX business days. 

On XXXX XXXX I filed a police report ( XXXX XXXX XXXX XXXX Police XXXX Report # XXXX ). As of XX/XX/XXXX, it had been XXXX business days and the bank informed me that their fraud investigation team came up with nothing and closed my case. They were waiting for Zelle to get back to them. {$3500.00} ( in XXXX transactions ) was taken from my savings account on XX/XX/XXXX. I have texts confirming the transfer of the Zelle money and a case number which has been dropped by XXXX XXXX Bank. 

On XX/XX/XXXX, the bank informed me that they are unable to recover the money. 

On XX/XX/XXXX, I received a call from Agent XXXX from XXXX XXXX ( XXXX Ext XXXX, Claim # XXXX ) officially advising that XXXX XXXX Bank is unable to help me recover my {$3500.00}. 
I am XXXX and having XXXX XXXX due to this horrific situation, struggling to pay my bills and have no one else to turn to. 

Your help would be greatly appreciated.
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021 at XXXX I contacted transUnion to assist with login. The rep assisted with getting into the account then she was going to assist with a password reset but she hungup. I was able to reset the password on my own however once logged in the system keep saying tech difficulties. however another member of the household was able to login to their TransUnion. So I called back at XXXX for additional assistance with the login, the rep said she was going to delete that account and for me to sign-up again she walked me through it and we tried different devices different browser and still the same error mess We are temporarily unable to complete your request. Looks like we are experiencing a problem on our end. This seems to have only affect my account as other household memebers are able to login to their accounts. TransUnion said I would need to pay {$24.00} a month to get my credit report. I was also told they don't include the score with report that cost extra anywhere from {$1.00} to XXXX What kind of scam are they pulling.
Consumer complaint received 2022-01-31
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. (FL)

Last year I reported to Citibank that one of cards was missing so they closed my account and said a card was on the way but it never arrived. I called costumer service and a person said I should be receiving something in the mail and to look out for it. 

I never received anything in the mail and come the new year I decided to revisit issue of the missing credit card. 

This time the customer service agent said my account was closed and that I would not be receiving a replacement and would be set close upon expiration. When I asked why it was closed they couldnt tell me the reason. I dont have late payments, I havent used my card simply because I dont have a card to use. The most recent attempt to reach out was last week when I wrote a tweet to CFPB and mentioned Citi which prompted someone from @ XXXX to reach out and she was super helpful in trying to find a reason why Im in this situation and she submitted a request to reopen the account. Come today, I receive this response XXXX XXXX, thank you for your patience. I received a notification that the reopen request was denied. The reason for the decision was related to your card yearly review ( card set to expire ). Based on the results of the review, Citi made the decision to not reopen the account. I still find myself confused as to why they have decided to close one of my oldest accounts, with no history of misuse or ever being late with a payment. I simply havent used it in a while because I did not have my physical card.
Consumer complaint received 2022-01-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

PHH Mortgage Services provides and files with the XXXX XXXX XXXX XXXX XXXX false and misleading information. I email a complaint to PHH mortgage services on XX/XX/2022 and never receive a reply. I email a different complaint to PHH mortgage services on XX/XX/2022, looking forward to hear from them. I have provided proper documentation to support my complaint. I am attaching both of my complaints previously mailed to PHH mortgage services to CFPB. 

PHH has not cancel the sale date of my home that is set for XX/XX/2022.
Consumer complaint received 2022-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Falls Collection Service Inc. (CA)

{$470.00} XXXX XXXX XXXX XXXX Fall 's Collection Services Address : XXXX XXXX XXXX XXXX XXXX, WI XXXX Phone : ( XXXX ) XXXX ( Does not exist ; TRY TO CALL THEM ) Auto insurance now, not collections service. This was paid 3 years ago and they didnt correct it, now out of business. 

This should be removed, as there is no way to call, write, email Fall 's Collection Services and get them to correct the record that this was paid 3 years ago.
Consumer complaint received 2022-01-31
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: JPMORGAN CHASE & CO. (NJ)

Chase bank sent me a pre-activated card that was stolen before it reached me. This stolen card was used to make a fraudulent purchase in another state, I live in NJ and the purchase was made in XXXX, Ohio. I was alerted by the bank at XXXX that a suspiscious charge was made on this card, to which I replied that it was not me. The bank then canceled the card. Unfortunately for me there was a charge prior to the one that prompted the fraud notice. I have repeatedly tried to get Chase to recognize this as a fraudulent charge, without any luck as of yet. I have filed a police report with my local police department ( XXXX XXXX Police Department ) in XXXX XXXX, NJ ( case number XXXX ). I have spent hours on the phone with XXXX at the direction of Chase Bank, only to be told that I need to follow up with the police. Chase Bank continues to put the onus of this investigation on me.
Consumer complaint received 2019-08-07
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)

Notwithstanding allegations of fraudulent charges regarding XXXX XXXX XXXX XXXX  account number XXXX, said creditor has failed to properly investigate and update the account reporting status at the XXXX, Experian and XXXX  consumer reporting agencies. The failure to report said charges as fraudulent - or to delete the offending account - has caused a detrimental impact on credit scoring.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

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 2022-04-16
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: Experian Information Solutions Inc. (MO)

I have submitted more than one complaint. I have disputed many accounts and provided documentation from creditors for paid accounts. XXXX has more than once refused to fix and update my credit. They have now reported delinquent on several accounts that have been paid.
Consumer complaint received 2022-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation (TX)

I am XXXX XXXX, and I'm submitting this complaint myself, and there is NO THIRD PARTY INVOLVED. 
I, XXXX XXXX, consumer, and natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX GA XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-02-07
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. (NV)

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. 

bankruptcy XXXX XXXX XXXX XXXXXXXX : # 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 2022-01-31
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc. (IL)

SANTANDER CONSUMER USA IS IN VIOLATION OF XXXX XXXX XXXX XXXX XXXX XXXX. I sent SANTANDER CONSUMER USA a letter on XX/XX/2021 opting out and revoking consent from SANTANDER CONSUMER USA to disclose my nonpublic personal information which is my personal identifiable financial information to any nonaffiliated third parties. SANTANDER CONSUMER USA continues to disclose my personal identifiable financial information to nonaffiliated consumer reporting agencies. Once SANTANDER CONSUMER USA receives this complaint I expect it's officers to comply with my request. Examples of personal identifiable financial information SANTANDER CONSUMER USA can no longer disclose to any nonaffiliated third party can be found in 12 CFR 1016.3 ( q ) ( 2 ) ( i ) A-G : ( A ) Information I, the consumer, provided to you on an application to obtain a financial product or service; ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information ; ( C ) The fact that I, the individual, is or has been one of your customers or has obtained a financial product or service from you ; ( D ) Any information about me, the consumer, if it is disclosed in a manner that indicates that I, the individual, is or has been your consumer ; ( E ) Any information that I, the consumer, provided to you or that you or your agent otherwise obtain in connection with collecting on, or servicing, a loan or a credit account ; ( F ) Any information you collect through an internet cookie ( an information collecting device from a Web server ) ; and ( G ) Information from a consumer report.
Consumer complaint received 2022-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have an account at Bank of America. I failed to get statements since early 2021, but do not use the account often so I had it for convenience. When I logged into my online access in XXXX, XXXX  I noticed that I had fees to which I had never had any before. I tried calling the bank over 30 times and I have given up. It is impossible to get someone by telephone. The system says the wait time is hours long ( one day it was XXXX hours ). I asked for a return call and when it finally came on two occasions, the rep hung up when I picked it up. 

So today I decided I would go to a branch, and boy was that a mistake. I went to the XXXX Ma location only to find it was closed and no web site listing of the closure. I then called the XXXX MA branch which was open and drove there. When I got a customers service person ( XXXX ) to finally speak to me, she said I had to come back later as she had other appointments coming and no one could help me. She suggested I call the call center which I told her I had tried over 30 times. 

I want my fees reversed, my statement re-instated and an explanation why they could just start charging my account in XXXX XXXX XXXX without any disclosure to me whatsoever. My account number is XXXX.
Consumer complaint received 2022-01-31
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: EQUIFAX, INC. (AZ)

Un authorities inquiries will like them removed 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
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have disputed with TRANSUNION this unauthorized inquiry on my account reported by XXXX XXXX XXXX ON XX/XX/year>. I have opted out of reporting and that they are violating my rights to privacy as a consumer per 15 USC 1681 ( b ) -permissible purposes of consumer reports so I am taking this complaint to the CFPB for remedy to enforce the law. I am also attaching my documentation to this claim. They usually use stall tactics to say they need more time to investigate, and they are reporting false and misleading information. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), they are required by federal law to verify through physical verification of the original signed consumer contract which they have failed to do so. I am seeking the removal of this inaccurate non active account showing up as an inquiry reporting and breach of my consumer privacy.
Consumer complaint received 2022-04-16
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. (MO)

I have submitted more than one complaint. I have disputed many accounts and provided documentation from creditors for paid accounts. XXXX has more than once refused to fix and update my credit. They have now reported delinquent on several accounts that have been paid.