davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MA)

I purchased a home on XXXX XXXX XXXX XXXX, Ma XXXX on XX/XX/XXXX. Since all payments have been made accordingly and XXXX different companies have owned the mortgage without any issues. As of approximately XX/XX/XXXX Freedom Mortgage accepted ownership of the mortgage and problems with insurance immediately began by such mortgage ceasing all insurance payments to XXXX insurance through XXXX. Our insurance nearly lapsed as a result and we immediately made payment in order to avoid such lapse. We contacted freedom mortgage in order to correct the situation which they agreed had been a mistake. On approximately XX/XX/XXXX we received a letter from freedom mortgage insurance department indicating that they would be purchasing insurance for us a a substantially higher cost and retain the escrowed insurance payments. We again contacted freedom and disagreed with the decision instructing them to again contact XXXX and solve the matter as representatives for the insurance company were waiting. Lastly on XX/XX/XXXX after having made yet another mortgage payment, I contacted freedom mortgage to inquire about the issue No yet resolved but no attempt or information has been provided nor resolution to the problem. This concerns me immensely since it is one of the very reasons these companies use to initiate foreclosure action on a renovated, increased value home that my husband and I purchased at a higher cost with some problems needing repairs. Id truly appreciate a stronger hand in getting this matter resolved since I have evidently not made myself clear enough on the resolution attempts. Your assistance is truly greatly appreciated. Thank you XXXX XXXX
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

I opened a checking account with CITIBANK on XX/XX/XXXX. 
XXXX maintain 80 days qualify {$2000.00}. 
Need to fund within 20 days opening. 
I can withdraw money after 80 days but maintain account another 30 days. 
I had been noticed no {$2000.00} appeared in XXXX. I Went to the branch in XX/XX/XXXX / XXXX. 
XXXX tellers told me to wait around XX/XX/XXXX. 
No {$2000.00} credit was shown, so I went to the branch and talked with the banker I opened account with. She told me I should have gotten the money last year. She submitted inquiry, and told me to wait 7 to 10 business days. I asked her if there is some kind of componsation on being late. 
She said no. And, she gave me inquiry #. 
But, I can withdraw money. 
So, I spoke to general managet and she said, she will personally follow ap and call me. I withdraw $ XXXX and left a penny in checking account. 
There is no phone call from XXXX. Phone call do not go thru. I have been calling customer service many many timed. And I was told to wait 2 more days, next week. Now, 30 days, 90 days. I asked if anyone is working on this case. Now, they till me becuse of promotional case, it will take longer. 
I am so frustrated on their attitude. 
Some, they simply hung up. 

Case ID XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-02-14
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Service Residential, Nevada, LLC (NV)

I want my account wiped clean. I also want a credit of {$20000.00} for the time, harrasment and not being able to use the facilities for XXXX years since the day we moved in.
Consumer complaint received 2023-02-14
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Future Judgement Solutions (NY)

On XX/XX/2023 I received a phone call from a company called FJS. A woman named XXXX XXXX informed me that she would be my case worker and will be helping me make a payment plan for the debt that I owe to a school I attended. She told me that I could either pay {$700.00} upfront OR pay the full amount of {$1200.00} over several months. I chose the monthly option. I was given a document to sign to confirm payment authorization but never a letter from them verifying my debt. ( I didnt know they were required to do this ). The following month, a second payment of {$210.00} was due on the XXXX. The money was never removed from my account so I got suspicious. I called them several times within the last week to verify some things and they have not answered my calls. Ive tried to find my account on their website, but the page kept saying error. It was impossible to track down my case worker, XXXX. She was on vacation for two weeks apparently, but even after the two weeks I still havent heard a word from her. I asked my bank to block them. Today, XX/XX/XXXX, after I called for several days and blocked them, they finally called me back. After doing my research, I decided it was best I ask for a verification letter because I never received one and am no longer sure this company is legit.
Consumer complaint received 2023-02-14
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. (IL)

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602A states that I have a right to privacy.

15 U.S.C 1681 section 604A states that a consumer reporting agency can not furnish an account without my when instructions.
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (FL)

On Friday XX/XX/2023 all of my Trust accounts ( 4 ) disappeared from my online banking portal, and I lost access to them. After spending a lot time with my local branch associate, we found out that " corporate '' made a programming improvement that disappeared everyone 's Trust accounts. Now 11 days later I still have no access. Truist has not sent a single email or reached out to me to explain what happened. They're " customer care '' is a total joke, because they have none. This is an outrage! 

I have 6 personal accounts and 12 business accounts with Truist. I am going to start looking for another bank ; one that actually gives a darn about their customers.
Consumer complaint received 2023-02-13
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. (FL)

I sent over 8 faxes and 2 letters to dispute fraudulent inquiries on my credit report and all they did was delete 2 of the 7. They also deleted 3 accounts that I did not dispute. I don't know how they are doing their jobs but clearly, they are not doing a good job. This are the inquiries that they need to delete : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX
Consumer complaint received 2023-02-13
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: CITIBANK, N.A. (PA)

I was sent a credit alert on XX/XX/, stating that there were 2 inquiries on my account, one from Citi  and one from XXXX XXXX  XXXX that I did not authorize. I immediately called XXXX and they walked me through what I needed to do. They reccomended that I filed a complaint with you also. I also froze my credit reports.
Consumer complaint received 2023-02-13
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. (AL)

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account XXXX : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-02-13
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. (GA)

This was not sent in error I am a consumer by law and it has come to my attention that Transunion have been reporting my transactions with XXXX XXXX to the consumer report. This is illegal according to 15 U.S. Code 1681a. What happens when someone is late, their charged a late fee which is a transaction. So therefore, if transactions and experiences are not included on my consumer report then XXXX why are you reporting late payments on my consumer report.
Consumer complaint received 2023-02-13
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. (CA)

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 XXXXXXXX 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 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I pulled my report and still see the accounts that I have been disputing still appearing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is clearly a violation of my rights and demand that these items be removed from my credit report ASAP.
Consumer complaint received 2023-02-13
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. (DC)

This Credit Reporting Agency Is Reporting Inaccurate And Fraudulent Information On My Consumer Report. I Called To Have These Fraudulent Hard Inquiries Taking Off My Consumers Report And Was Told They Could Not Remove Them.
Consumer complaint received 2022-05-20
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: National Credit Adjusters, LLC (TX)

The creditor NCA was unable to proof the original contract with my signature on it, after sending a debt validation letter on XX/XX/ After they have reported 2 account on my records, and stated to dispute to the credit companies. As of today NCA has failed to dispute to all 3 credit bureaus, after their response on XXXX/XXXX/XXXX. 
violation 15USC 1681s2 responsibilities of furnisher of information to consumer reporting agencies. 
Account # XXXX {$140.00} {$560.00}
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

XXXX, closed my credit card account three days after setting up a payment arrangement the closed account hit my account and lowered it by over XXXX points on XX/XX/XXXX on XX/XX/XXXX the change started I attached the closed account reporting and when it was closed and the recently updated open account. If this account hits my credit again as closed it will surely lower it again this is unethical due to the nature of tactical measures to obtain Furnishing and Reporting Inaccurate Information knowing the account is closed showing as current when it rectified will decrease my score yet again I called and they verified the account was closed however still showing current XX/XX/XXXX was updated as open. 

FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA,
Consumer complaint received 2023-02-13
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. (DE)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-07
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: CREDIT ACCEPTANCE CORPORATION (NC)

In accordance with fair credit report act XXXX  account XXXX has violation my right 15 usc 1681 section 602 I have the right to privacy 15 usc 1681 section 604 a section 2 it's also states a consumer report agency can't furnish an account without my written instructions 15 usc 1666B : A credit may not treata payment on a credit card account under an open end consumer credit plan alate for purpose
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

My name is XXXX ; XXXX XXXX The Agent for principle XXXX XXXX, a federally protected consumer, holder in due course, attorney in fact. Dating back to XX/XX/2022 someone who works for American Express unlawfully closed all three credit credit card accounts that were under the estate of XXXX XXXX XXXX. Those accounts were not held by the financial institution of American Express. Since, I have been mailed multiple billing statements with the wrong amount. The amount showing on the billing statements are in a positive balance. How can I pay something in a positive amount? For example lets say I open a bank account and deposit {$1000.00} dollars, I know I have {$1000.00} dollars in the bank. Why? Because the bank statement shows an amount of {$1000.00} at the bottom of my bank statement. When the account is overdrawn and it says XXXX, I know I owe the bank {$500.00} dollars. So why when my monthly bill comes, it is in a positive amount? This is very misleading. All three credit card accounts should have a monthly zero balance because your financial institution received collateral equal to the credit amount when receiving application from the estate. Since the unlawful closing of all three accounts, stress and anxiety has been placed on my shoulders. Your financial institution continues to make false negative reports to credit reporting agencies. No one from the estate has granted your financial intuition permission to administrate the estate.
Consumer complaint received 2023-01-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

To whom it may concern - I had financial difficulties in XXXX and XXXX and had a credit card with XXXX Credit Card. I had never been late on this credit card and over the XXXX years of having the account. 

I had never had a late pay or XXXX late pay on my credit. During the months of XXXX and XXXX my family had XXXX  and lost a family member and we had burial expenses. 

I contacted XXXX and informed them that I would be paying off my balance of XXXX  in which I did and in agreement that they would remove any XXXX late for XXXX and XXXX. Once I paid the XXXX giving my account is XXXX balance XXXX fraudulently closed my account and lied to me and put a XXXX late for XXXX and a XXXX late for XXXX showing me XXXX days late on this credit card account. 

I contacted them numerous times trying to request them to their agreement of good faith that they would remove these late fees from my credit report even if the account stayed closed. I was not concerned about the account being closed my concerns were they lied to me after me paying them {XXXX} and paying the account off in full. 

XXXX lied to me as a consumer and I feel that they should be XXXX  and show how they treat their customers that have been good paying customers always paying their accounts on time and then treating them negatively bye not doing as they said by removing the XXXX to XXXX day late for XXXX and XXXX. They did not hold up to their end of the bargain and closed my account. I feel scammed as a consumer and I have read numerous reports online about this company doing the same to them.
Consumer complaint received 2019-08-07
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (CA)

A bill was owed XXXX  for my service, today XX/XX/XXXX at XXXX XXXX  Pacific time, I went online to pay the bill using the online payment method and my credit card to authorize a debit of {$280.00} to be paid today. 
At XXXX XXXX Pacific a call was received on one of our phone lines XXXX attempting to collect the debt. I called back XXXX XXXX XXXX and was transferred to an agent handling my debt ( reference # XXXX of Receivables Payment Management ) and she repeatedly stated she was trying to collect my debt. When I told the agent that I already paid the bill, she hung-up
Consumer complaint received 2019-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (LA)

I '' ve been paying almost 2 years on account that keeps getting higher and higher with interest and hidden fees each month. Each month I owe more money to them {$1600.00} in interest and hidden fees. My account maxed at {$4400.00} and now its {$6000.00} with interest fees and hidden charges and I haven't used the card in almost 2 years. I was being {$92.00} for security on the card and didn't know until I called complaining about interest charges. The billing rep broke it down I owe more money each month I pay with hidden fees, varying interest rate, and late charges that are applied at random. The only help offered was call XXXX number to have {$92.00} fee removed from bill.
Consumer complaint received 2023-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE (AZ)

This began in XXXX of 2021 and I was going back and forth with my CC company  for the past year plus. Please find enclosed documentation proving a fraud occurred after credit card billing cycles were completed. It was not possible to report/dispute the charge prior to the two cycles as the furniture was not scheduled to arrive before that and communication was ongoing, with status updates during the delay for a period of time ( enclosed ). Once the communication seized, it was found out that the company based in Utah was investigated and found to be fraudulent. A XXXX XXXX arose from the dissatisfied people, as well as an email chain. Other banks, including credit unions and XXXX refunded their customers. Barclays continues to tell me I had to report this earlier. Again, how was I to know earlier ( within their guidelines ) that a fraud would occur after the fact? I am asking that Barclays refund my card for my initial deposit of {$3500.00}