davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, I was going to wait until XX/XX/XXXX before submitting another complaint. On XX/XX/XXXX, I submitted a CFPB complaint ( IDXXXX ) and XX/XX/XXXX, Transunion stated that they were opening a dispute. I called and it was determined that no dispute was opened. 

At this point, I should sue them but I am trying to save my money during this pandemic. They are incorrectly reporting information and degrading my credit score. 

In XX/XX/XXXX, I requested for Transunion to investigate inaccurate information related to the trade line XXXX ( Account Number : XXXX ) and to update or remove the account. Transunion responded that they verified the account. In XX/XX/XXXX, I asked for them to provide how they verified. I never info in regards to how they verified instead they verified the account again via report number : XXXX. I requested method verification again in XX/XX/XXXX, and they never provided the method of verification. I advised in my last complaint that I was told by a Transunion representative that this was all done electronically and that they do not have to provide the method of verification. 

After filing the complaint with CFPB, I never received a method of verification of how they verified the account. According to the FCRA, they have 15 days to provide from the receipt of request. We are well past 15 days. 

In XXXX after back and forth with the original creditor, they provided a letter showing the tradeline is charged off. I was also told that the last payment was applied to XX/XX/XXXX and that the first date of delinquency was XX/XX/XXXX. However, Transunion is reporting this tradeline as account status = " Repossesion '' and payment history is accurate. And they have re-aged this trade line.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MI)

I have three credit cards with Citibank. 
I have been paying $ XXXX {$100.00} by auto payment each month. 


Citibank is claiming that in the middle of XXXX, I changed my auto payment on my XXXX XXXX card ( ending in XXXX ) from {$100.00} which it has been for some time, to balance in full. I did not do this, because I am unemployed and am just scraping by right now. 
Last night, they took {$1600.00} out of my XXXX XXXX account, leaving me ~ {$30.00} to pay all of the rest of my bills for the month. This is a disaster. 
I called Citibank. " Nothing '' they can do to return the money. They are sticking to their story that I authorized it. 
XXXX said I " may '' be able to dispute it after it finished clearing this evening. But, I can't hold my breath. They may dispute it with Citibank, but Citibank will likely continue to refuse to do anything. 

I believe that Citibank has some underhanded practices going on. I have a 99.9 % ontime payment history. Yet, in the last 1-2 years, they reduced my available credit on this same card by {$6000.00}, out of the blue -- which clearly hurt my debt to credit available ratio. ) Please help if you can, as I don't have enough money to pay my bills now.
Consumer complaint received 2022-12-30
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. (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME : 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 2022-12-30
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. (GA)

Equifax is governed by 15 USC 1681 And they violated my right numerous of times.

I demand the accounts listed below be remove because.

According to 15 USC 168 : I have the right to privacy and 8 didn't give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX, XXXX XXXX 'S XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX. 

XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX AddressXXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX  XXXX XXXX XXXX AddressXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX AddressXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Consumer complaint received 2021-03-19
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. (TX)

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, TX XXXX '' Please contact the company directly to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions you may contact us at 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 Phone Number Unavailable Charge Card XXXX Phone Number Unavailable Charge Card XXXX XXXX XXXX XXXX XXXX ) XXXX Secured Loan XXXX  ( XXXX ) XXXX Charge Card XXXX XXXX XXXX XXXX ) XXXX Debt Buyer XXXX XXXX XXXX Phone Number Unavailable Credit card XXXX XXXX ( XXXX ) XXXX Charge Card XXXXXXXX XXXX XXXX ( XXXX ) XXXX Credit card XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there Use this reason if you have never lived at this address or received mail there. 
XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX WAY XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NY)

On XX/XX/2024, I ordered two ( 2 ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX According to the ad, the merchandise was supposed to arrive on Saturday, XX/XX/2024. 

On Saturday, XX/XX/2024, I texted and called XXXXXXXX XXXX XXXX XXXXXXXX to check the status of my delivery. During the texting conversation, I was offered to accept a substitute for the product. I refused the company 's attempt to engage in bait and switch. 

Some minutes later, I called the company to check on the status of my delivery. The person with whom I spoke said that the delivery was delayed and that she would escalate my request. While I was placed on hold, I returned to the XXXXXXXX XXXX XXXX XXXXXXXX web page to track the merchandise by the order number. The order number was tracked to XXXX Tracking No. XXXX. 

On further inspection based on my telephone call to XXXX, I discovered that XXXX  created the label, but had not received the merchandise from XXXX XXXX XXXX XXXXXXXX. During the telephone call, I was directed to contact the company to find out what happened to the merchandise. At that point, I asked XXXXXXXX XXXX XXXX XXXXXXXX to refund my money and send me an e-mail confirming its plan to refund my money. XXXXXXXX XXXX XXXX XXXXXXXX sent me an e-mail stating that it would return my money. I subsequently e-mailed Citibank 's dispute information regarding the incident, including the merchant 's e-mail. 

It is now XX/XX/2024. I am still waiting for my money. Citibank has not returned it. 

I believe that both banks -- the merchant 's bank and Citibank have built delays into their systems that more than likely violate XXXX 's rules for ACH transactions so that each bank can earn interest on the unreturned money, even if it hurts their customers.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC. (DC)

I use an online service XXXX XXXX to manage my budget. Two weeks ago the service started failing to access my Optum XXXX Account. XXXX uses several aggregator services ( XXXX, XXXX, and others ), none of which are working to allow me to connect XXXX to Optum Financial XXXX. The options available to connect are Optum.com and Optum Bank, neither of which are working.
Consumer complaint received 2021-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (SC)

Shellpoint Mortgage XXXX, SC XXXX XXXX Sent escrow analysis for year, incorrect because hazard insurance added twice while flood omitted XXXX Spoke with XXXX. I explained issue. She requested new escrow analysis XXXX Received video email with new escrow analysis. Still wrong. Called and spoke with XXXX XXXX at XXXX. She said to disregard video and said initial request had been ignored because nothing wrong with original statement! I explained what was wrong. She noted it and sent an expedited request so I'd receive corrected statement within 72 hours. 
XXXX. Spoke to XXXX at XXXX XXXX. He said it was too soon to " jump the gun '' and to wait a week for correction. 
XXXX Spoke with XXXX who transferred me to XXXX XXXX, who created a ticket for new corrected escrow analysis and to wait 7 days XXXX Spoke with XXXX XXXX at XXXX XXXX. XXXX I requested to speak to supervisor, XXXX XXXX XXXX XXXX? ). She expedited new analysis. Told her I wanted within 48 hours or I'd contact attorney general, and if I died from a stroke Shellpoint would be sued for wrongful death! 
XXXX XXXX XXXX approximately, I called once again because I had not heard anything. According to XXXX, the payment had been corrected, but a corrected statement had not been sent to me, so she requested one. 

Shellpoint made a serious error with MY money. MY escrow. I am a good customer who has always paid AHEAD, and they treated me terribly! My original loan with XXXX has been sold to Ditech and Greentree and now Shellpoint. Shellpoint has made numerous errors since taking over less than 2 years ago. I used to work in the Savings and Loan industry back before computers, when we had to balance everything by hand monthly. It has to balance to the penny and reported to the government, with annual outside auditing. I don't think anyone is monitoring financial institutions like they used to. 
SC should be embarrassed to call Shellpoint a SC entity! They should be audited with scrutiny and fined for any errors.
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (CA)

I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX is reporting inaccurate information on BARCLAYS BANK DELAWARE. Also, I tried contacting XXXX requesting a complete payment history with this account for me to review the exact date on which the charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

BARCLAYS BANK DELAWARE XXXX
Consumer complaint received 2021-04-20
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. (CA)

Have tried to login into my account ( s ) to get credit reports & dispute not known accounts via XXXX, Transunion, & XXXX and each one is " unable to complete my request '' online
Consumer complaint received 2020-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (OH)

I have been charged a pre-payment penalty on a Barclay 's credit card that has been disguised as a " late fee. '' On XX/XX/2020, I made a payment of {$150.00} for the statement period ending XX/XX/2020. On XX/XX/2020, I made a payment of {$100.00} for the statement period ending XX/XX/2020. On XX/XX/2020, I was assessed a " Late Payment Fee '' in the amount of {$29.00}. On XX/XX/2020, I made a payment of {$250.00} for the statement period ending XX/XX/2020. I was then assessed an additional late fee of {$29.00} on XX/XX/2020. 

Per my credit card agreement, there are no stipulations for pre-payment penalties. After trying to resolve this with the company both through online communication and via telephone, Barclay 's has refused to correct their error and issue a refund.
Consumer complaint received 2022-11-02
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. (NC)

My name 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 2021-03-19
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 (FL)

On approx. XXXX XX/XX/XXXX I tried to rent a car on the internet from XXXX, using an XXXX Mastercard from Barclays Bank. I received an error message, and couldn't resolve it, so ended up over at XXXX, where I successfully rented a car. 

I never heard anything more from XXXX but discovered a charge from them for {$160.00} posted to that Mastercard. 

I have sent emails to XXXX, but received no response. I disputed the charge with Barclays, but that dispute was denied, on grounds " the merchant has not violated the terms and conditions of the sale. '' I appealed that denial to Barclays, pointing out that I never received anything from XXXX  ( voucher, rental car, response to emails ). Barclays sent two letters denying the appeal ; one just saying there was " insufficient proof that the merchant has violated the invoice/contract 's terms and conditions '' ( and encouraging me to contact the merchant directly ), the other letter giving as a reason " the chip on the card was read and validated during the authorization process or the card was present and CVV confirmed. '' This letter also recommended I contact the merchant directly. 

I will try to attach copies of the documents I have mentioned, which describe in more detail what has occurred. But I would like to stress two points : ( 1 ) I never received anything indicating the car rental attempt with Rent.It went thru, or received any response to my queries to Rent.It. ( 2 ) I am upset with Barclays, both because they apparently ignore dispute letters sent to the address designated for that purpose on their statements, and then ( after I faxed them the dispute letter ) for still being assessed late payment fees and interest charges ( on statements ending in XX/XX/XXXX and XX/XX/XXXX ). 

If you have any questions, or need any more information, I would be glad to provide it. I can be reached at XXXX, or XXXX XXXX XXXX XXXX. My addresses are on the attached letters.
Consumer complaint received 2020-03-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (CA)

Despite my account being current, timely payments made, and the latest statement showing a current balance, I still receive harassing robo calls from Planet Home Lending , LLC. The calls specifically state Planet is attempting to collect a debt. I have already notified Planet Home Lending , LLC to cease robo calls and to only communicate in writing.
Consumer complaint received 2022-11-02
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. (FL)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-24
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: CITIBANK, N.A. (OR)

On XX/XX/XXXX at XXXX I purchased a 5 night stay at a cabin on XXXX XXXX At XXXX that night, XXXX sent an email stating that the cabin host cancelled my reservation. The host contacted me via the XXXX messaging app and stated that the cabin was only available for a 7 night minimum stay and they cancelled my reservation. I ended up booking a different cabin on a different website. Unfortunately, the reservation in the amount of {$7300.00} was posted to my credit card and after several days, it was never removed. I immediately contacted XXXX via chat and spoke to a XXXX XXXX The XXXX agent says that they only placed a hold on for the reservation but cancelled it and they never received payment thus there is nothing to refund. They said it was a mistake on Citibank 's part and I needed to clarify the fix with them. In my XXXX  profile, I confirmed that reservation was indeed listed as Cancelled. 

I contacted Citibank and they told me to file a dispute which I immediately did. On XX/XX/XXXX, Citibank sent me communication asking for documentation which I did. I sent them the email showing the reservation made, the reservation cancelled, the chat session with the cabin host explaining why they cancelled the reservation and the chat session with the XXXX customer service representative stating I needed to resolve the issue with Citibank and the refund policy. 

On XX/XX/XXXX Citibank denied my dispute stating that I was responsible and reposted the {$7300.00} to my account. In the letter they questioned how I was able to book a 5 night stay if the cabin was only available for XXXX nights and then told me I didn't read the XXXX refund policy for the reservation. 

I wrote back stating that I DID NOT cancel the reservation and that the cabin host cancelled my reservation immediately after I booked it through XXXX. In addition, in the documentation I sent Citibank, it clearly states that I can receive a 100 % refund if the reservation is cancelled on or before XX/XX/XXXX. I contacted the Citibank Dispute resolution center, but they refused to do anything and said I had to email Citibank. 

I am so mad that Citibank would attempt to blame me for this and wants me to pay for a trip that was cancelled by XXXX. They've been dragging this out for months even though I've provided all documentation back in XXXX.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX - XXXX
Consumer complaint received 2024-04-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Massachusetts Educational Financing Authority (NJ)

I am the cosigner on a loan for my daughter. My name is XXXX XXXX and her name is XXXX XXXX. The loan is now with AES but originated with XXXX. I have contacted AES about this issue since XXXX and they still have not fixed their error. 
-On XX/XX/XXXX A disbursement of {$27000.00} was made. 
-my daughter did not return to school for the spring semester so the second half of the loan for {$27000.00} was cancelled on XX/XX/XXXX -AES never changed my loan amount and therefore proceeded to bill me for a loan of {$55000.00} ( including interest on this amount ), even after they were able to see that {$27000.00} was cancelled on XX/XX/XXXX -my repayment was to restart in XXXX of XXXX, however they continued to bill me on monies I never received -I contacted the company and they were unable to make the correct changes even though they saw their error - I field a complaint and they then fixed my balance to the correct amount, HOWEVER, they continue to bill me on the old amount - they now have the principal as {$33.00}, XXXX ( which is also incorrect!!! ) and are billing me on {$55.00}, XXXX - I paid {$550.00} on XX/XX/XXXX and they are still saying I owe them {$770.00} - If I was supposed to make 3 payments at {$270.00} that total would equal {$810.00}. Minus the payment I made of {$550.00} and I would owe {$260.00} this month NOT {$770.00} - I REFUSE to pay on monies I have never received and want this issue fixed immediately - when I contacted the company they told me they could not fix their error, even though they agreed that they were notified the second half of the loan was not dispursed on XX/XX/XXXX. 
-this entire situation needs to be resolved as they are now attempting to steal money from me