davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP (GA)

On XX/XX/2020 I called Kroger XXXX, XXXX, XXXX credit card company and requested to have my credit card deferred. At that time, I was told my card would be deferred for 3 months with no interest or fees. 

I received my first bill after my request was made and I was surprised to find an interest charge for {$23.00} had been applied on my statement. Shortly thereafter I phoned the company and spoke with XXXX after explaining I was transferred to the supervisor XXXX who then told me I would be receiving a call from XXXX ID # XXXX. I received the call on Tuesday XX/XX/2020. She told me that her company had a different definition for deferring credit cards. Please tell me sir how can a company create their own definition for a word to suit the company? 

I understand the difference is the following : DEFERMENT vs. FORBEARANCE Credit card deferment describes a situation where you are able to skip your payments for a limited time, yet interest does not accrue on your balances. 

Credit card forbearance, on the other hand, describes a situation where you are able to skip payments on your credit card for a limited time, yet interest does accrue. 
Therefore, I feel as if I have been misled and the company refuse to acknowledge this fact. I would like this matter reviewed and corrected. 
I can be reached at ( XXXX ) XXXX or email me at ( XXXX ) I appreciate any help you can offer, thanks.
Consumer complaint received 2023-01-23
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. (VA)

My consumer report shows negative items reported inaccurately and without my consent. A charge-off is reported as debt when it is defined as income, according to the IRS. Also, I did not receive the opt-out disclosure regarding my non-public information being shared with third-party companies, nor did I give consent. 

The attached documentation further explains my claim.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

My consumer report shows negative items reported inaccurately and without my consent. A charge-off is reported as debt when it is defined as income, according to the IRS. Also, I did not receive the opt-out disclosure regarding my non-public information being shared with third-party companies, nor did I give consent. 

The attached documentation further explains my claim.
Consumer complaint received 2020-06-09
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. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX {$460.00} XXXX XXXX XXXX {$2500.00}
Consumer complaint received 2019-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

Citibank cancelled my year old Citibank Double Cash Rewards credit card based on a lie and refused to credit my earned cash rewards. Citibank closed a previous account a few weeks ago, claiming it was skimmed. Citibank issued a new card. I went to their website to make sure it was set to AutoPay as before from my existing Citibank checking account, selected as a pulldown from a list of all my Citibank accounts. A couple of days ago, I tried to use my card and it was declined. I called and spoke with several agents. One agent looked into the problem. He saw that the Citibank account number in their system was missing a single zero. He fixed to problem, returned my {$25.00} fee and said all was good. We processed a {$2700.00} payment to the card account. A day later, the card was declined again. I called several agents again. A manager looked at the problem, said he was furious for me that his would happen. I paid my full balance every month and the card should be reinstated. He filed an internal complaint to upper management, saying I would receive a call back. Today, someone from Citibank, calling themselves XXXX XXXX, ( XXXX ) called me. I explained the whole issue and she told me the account was closed with no option to reopen. She called me a liar and said that I entered the error when typing my account number. I told her I typed nothing, but picked the account from the pulldown list. She called me a liar again. I asked what happened to all my Double Cash Rewards Points. She said they were forfeited. I asked her how she can mistreat a paying customer over a single zero   typo error, whether Citibank made it or I made it. She said that's it. Account closed. She claimed that everyone is treated the same. To me, this is clearly fraud. I have screenshots from the Citibank website showing my accounts listed in the pulldown. I did not need to enter any numbers. Her claim that I typed the wrong number, when she knows full well that I did not, is a lie and a fraudulent basis to close my account. By her claiming my already earned Double Cash Reward Points were forfeited is clearly theft. I want to open a case against Citibank for defrauding me of my account and my already earned cash reward points. This is unconscionable behavior which must be punished. I would not be surprised to learn this person has defrauded and stolen from many others the same way.
Consumer complaint received 2022-01-22
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX CO XXXX XXXXK XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-22
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: EQUIFAX, INC. (IL)

the following items are one my credit report i didn't apply for none of these accounts i didn't use none of these accounts Account XXXX statusClosedDate openedXX/XX/XXXX loan amount XXXX XXXX XXXX XXXX XXXX XXXXccount number XXXX Account status Open Date opened XX/XX/XXXX loan amount XXXX $ Original creditor : Account number XXXX Collection opened XX/XX/XXXX XXXX $ Account type XXXX XXXX XXXX XXXX XXXX XXXX Collection AccountAccount number XXXX Collection opened XXXX XXXX, XXXX XXXX $ XXXX XXXXXXXX XXXX XXXX XXXX  Account number XXXX Collection opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account number XXXX Collection opened XXXX XXXX, XXXX XXXX $ XXXX XXXXXXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account number XXXX Collection opened Indicates the date the collection account was opened XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX Collection opened XXXX XXXX, XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX $ XXXX Account number XXXX Account status Open Date opened XX/XX/XXXX loan amount XXXX
Consumer complaint received 2020-06-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (FL)

Today XX/XX/20 I checked my credit report via XXXX when I noticed my score went down. I went to review the changes I saw that SouthWest credit system was on my report for XXXX I immediately disputed the information via XXXX  and call said company. My first question was why was I not informed on the debt. The rep stated they just received the information about a month ago. This still did not answer my question. I requested an manager. I spoke with an XXXX whom stated that in Florida they do not have to give a notice about said debt before placing the acct on my credit report. I know this is not true as I believe I am given the ability to dispute the charges. I have already reached out to the original creditor whom is during an informal investigation. However I feel this company violated the fair debt collection practice act.
Consumer complaint received 2020-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NY)

Loan originates from XXXX. In XX/XX/XXXX due to divorce I was awarded sole occupancy and exclusive use of jointly owned home with ex-spouse, at same time I was obligated to be solely responsible for all mortgage payments ( property tax included in loan, escrow account ). I jointly applied for the mortgage together with ex-spouse in XXXX, we both signed for the loan, I am on the Deed as well. 
I have since XX/XX/XXXX had issues with not recieving information, and refunds of escrow overage, regarding the loan. I requested documents such as Principal paid on property in XX/XX/XXXX - wasn't received, I requested all mailed information regarding loan to be mailed to the porperty address of the loan, was never done. I was informed it was mailed out, but only to the co-signor my ex-spouse they said the could not mail it to me. In XX/XX/XXXX I contacted TD Bankregarding the escrow account and the recalculation of taxes, and was after much struggle informed that an overage check ( {$1000.00} ) was mailed out to the ex-spous 's address, made out to us both that he cashed in. Even though I explained the entire situation and which you can clearly be seen in the payment history that I have been the only person paying the mortgage since the forementioned date. The bank again refused to help. XX/XX/XXXX I logged into to my mortgage account to discover that my mortgage payment has increased by {$260.00} / month due to insufficient funds in the escrow account. I contacted the bank immediately asking as to why I was not informed of this. They stated information had been sent out in XX/XX/XXXX. I, of course never received this information. I asked why, they said that it was sent to just the ex-spouse 's address. I contacted TD Bank via email, phone, and XXXX regarding this, and am still waiting on a call back from their escalations team. I have spoken to their escalations team in the past and nothing has ever been resolved. Why is the bank allowed to treat me so inequal to the other loaner? We are both obligated to make payments to the bank or they will go after us both. But the bank only communicates and sends refunds to one party! I have excellent payment records but am still treated unfairly by the bank and its staff. 
Contact dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Plus numerous times on their online messaging system, phone calls, as well as in person at the local branch where the mortgage originates from.
Consumer complaint received 2019-12-31
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. (SC)

I requested for items to be investigated via mail and they have refused to perform the investigation. Please delete the items on the attached letter from my credit report.
Consumer complaint received 2019-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

Firstly, there is no such thing as Customer Service with this company PHH or its predecessor OCWEN. They are both companies which do not care one bit about their customers. They do not do as directed. They do not answer calls in a timely fashion ( if at all ). One waits on hold listening to the same deplorable messages to finally get someone in XXXX or the XXXX who know nothing and promise you everything ... ... very cordially. 

I asked that money be forwarded to my principal ... ... I wish to pay down the principal ... ... this is always ignored and they apply it to my mortgage even though I clearly state and write in the check memo line that I wish the extra amount go to principal. 

The business is probably 'machine ' driven and one can not get a human being to do what is requested. The agent XXXX in the XXXX ( XXXX ) promised me this would be corrected. He promised me he would call to say it was satisfactorily completed. He did not. I sent this check in XXXX and am so done with your company. I am not dealing with you anymore and will count on the oversight agency of the CFPB to deal with you. You are inept. 

Secondly, I tried dozens of times literally to call the number on your glossy " COME ON AD '' contained in my monthly statement to inquire about a refinance ... ... HOURS ON SPEAKER AND WAITING ... ... ..NEVER did anyone come on the line ... ... .you are SCAMMERS!
Consumer complaint received 2019-12-31
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}, {$850.00}, {$9000.00}, {$5000.00}, {$11000.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$850.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

-- CLOSED ACCOUNTS 5. XXXX XXXX/XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account.
Consumer complaint received 2022-06-01
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. (NY)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX  XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX  XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXXXXXX XXXX  XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX  has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section ( a ) ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rite 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
Consumer complaint received 2022-04-19
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. (FL)

XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNT # XXXX 15 USC 1681 SECTION 602 Section 604 ( a ) ( 2 )
Consumer complaint received 2019-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}, {$850.00}, {$9000.00}, {$5000.00}, {$11000.00}, {$13000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) --  OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a credit limit of {$850.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

-- CLOSED ACCOUNTS 5. XXXX XXXX/XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account.
Consumer complaint received 2020-06-09
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. (OR)

On XX/XX/XXXX of XXXX I paid {$310.00} I was told this would bring my account balance to XXXX. XX/XX/XXXX paid {$75.00} XX/XX/XXXX paid {$100.00} XX/XX/XXXX paid {$100.00} XX/XX/XXXX paid {$50.00} XX/XX/XXXX paid {$100.00}. 
I asked for the statement back to the time of my last purchase, I only received statements back to XX/XX/XXXX. Each month I talk to a representative at Home Depot trying to resolve this.I have been charged {$400.00} in late fees XXXX In interest fees in the time between XX/XX/XXXX and XX/XX/XXXX.I have made {$420.00} in payments to Home Depot in that same time period and yet as of XX/XX/XXXX my balance remains {$340.00}. 
I have more than paid for my original purchase. Ive offered to pay an additional payment to settle my account to XXXX balance which they refused.I desperately need help resolving this account thank you.
Consumer complaint received 2019-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I sent a 15-day demand letter for the method of verification. I disputed inaccurate and unverifiable information with Equifax in which they came back as accurate. At that time I was paying for Equifax consumer service where I was able to see my credit report daily. After the demand letter, I was not able to see anything. I called their online customer service and they too were baffled after having 2 open tickets no one was able to see it. However, I went into myequifax.com where I have access to the breach and I am able to see my information dated XX/XX/XXXX. 

I received a stalling letter from Equifax stating that it was unable to locate any file with the address XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, GA XXXX, however, I have attached 2 files on page 240 dated XX/XX/XXXX present address is listed and on page 157 XX/XX/XXXX both with that address. 

Equifax 's blatant disregard for FCRA has affected me adversely has I needed to move by XX/XX/XXXX. Because of Equifax 's continued reporting of this inaccurate information will be homeless by XX/XX/XXXX, as I got a 1-month extension. 

Additionally, I started additional disputes that should have been completed by XX/XX/XXXX per Equifax 's own estimation. Those requests too are stuck in never-never land, and when calling the representative they could give no answer as to when the dispute would be closed. 

Additionally, in XX/XX/XXXX XXXX XXXX XXXX notified the bureaus to delete items. I emailed and have disputed items with Equifax and their response is it has come back verified. How is that possible when this letter exists stating to remove it. Equifax never even took the time to conduct a dispute.