davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
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: Experian Information Solutions Inc. (MA)

I declared bk in 2017 whic is correctly documented however each of my accounts I made sure were paid never late right up until the day I filed!!! To date neither my current accounts or those included in bk were ever late!!!! The credit bureaus continue to report negative information of numerous late payments or derogatory information making it quite difficult trying to purchase my car! I understand the bk must be listed but they are reporting in addition to the bk there are numerous delinquent or derogatory or late payments which is false!!! After one declares bk they are allowed a fresh start this happened in 2017 and my cards were in time then and now I have excellent payment
Consumer complaint received 2023-06-12
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. (CA)

Credit Reports for collection of delinquent child  support, judgements, fines and liens may no longer be permitted. 

Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act. 

I have contacts all 3 credit reporting agencies with Notarized Letters to comply and they have disregarded my notifications and will not comply with the Federal Courts Ruling. Therefore they continue to cause damage to myself and my family 's well being due to these accounts not being removed from all credit reporting agencies.
Consumer complaint received 2022-11-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

My taxes are escrowed. 

Received delinquent notice for town tax payment on XXXX stating that town tax was not paid as of XXXX. Contacted Mr. Cooper on XXXX and the representative instructed me to send the delinquent notice to XXXX. I sent the delinquent tax notice to the email address on the same day XXXX, included name and property address and loan number as instructed. 

I called Mr. Cooper on XXXX to inquire if the delinquent town tax was resolved. I was told that I need to wait until 7-10 business days after sending the email with the delinquent notice to them and to call back then. 

On XXXX ( 10 business days after XXXX ) I called Mr. Cooper to inquire if the delinquent town tax has been resolved. I was told that the tax was paid in XX/XX/2022 ( which my account shows the disbursement back in XX/XX/2022 ). I told them that I sent them the delinquent notice as instructed on XXXX since it was not paid as of XXXX, so the need to take care of this. They asked me the amount and parcel number on the delinquent notice, which I answered. They asked me to email the delinquent notice to XXXX, at which I responded this was ALREADY SENT XXXX, and apparently no one has done anything with it. 

Delinquent notice indicated that this will be sent to collections if the town tax is not paid. Mr. Cooper has not done anything to resolve this issue.
Consumer complaint received 2022-11-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

XXXX XXXX XXXX XXXX with a partner. Our checking account was cyber-attacked on XX/XX/2022, in the amount of {$20000.00} It was unauthorized and we did not realize this happened until we received our statement on XX/XX/XXXX. Immediately we went to the First National Bank of Pa in XXXX Pa where we have banked for 25 years The manager told us we only had 24 hours to report this. We do not do online banking so how would we have known? We have met with the bank numerous times and have not been able to resolve this. I have contacted the PA Attorney General, XXXX XXXX XXXX, FBI, Office of Comptroller Currency, and no one seems to want to help us. This is a huge amount of money for a small business like ours. 
The information which we received in a letter stated nothing about a 24-hour deadline. Also, how can that hold up if consumers do not do online banking? 
We feel this is wrong on the banks ' behalf and we are seeking to get our money back. 
Please help us with this matter Why didn't their fraud department pick up on this.? Why have a fraud department if it doesn't ; t function as protection for its customers.
Consumer complaint received 2022-04-11
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. (TX)

I was taken advantage of, while several laws were being broken under the FCRA by EQUIFAX. EQUIFAX has Failed to Remove and BLOCK the fraudulent information included in my identity theft report from my consumer report.
Consumer complaint received 2018-10-20
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. (FL)

I made a XXXX payment on XX/XX/2018 for month of XXXX and on XX/XX/2018 they took it upon themselves to take out XXXX in which it bounce my checking account XXXX and the XXXX payment was not due to XXXX therefore becoming an unauthorized transaction, I had called them and refunded the XXXX payment and was told to submit bank showing insufficient fee and faxed them twice, and then they told me it wasnt their fault and will not reimburse me, now it cost me XXXX extra because i had to go to XXXX and faxed this to them so now i am out XXXX for their XXXX, if it wasnt their fault, then why they reimburse me the XXXX they took out, because i turned around and gave back them that same XXXX in XXXX for XXXX so i am asking for immediate action on this, they took out an unauthorized transaction and they will not refund my XXXX insufficient fee.
Consumer complaint received 2022-11-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

ADDITIONAL INFORMATION RECEIVED REGARDING COMPLAINT FILED ON XX/XX/22 ON THIS SITUATION COMPLAINT # XXXX. 

Was able to contact the MI insurer, XXXX, who is the entity SPS claims to be awaiting decision from and I was advised that on XX/XX/22 XXXX reached out to SPS requesting additional terms and has yet to obtain a response to their request of XX/XX/22. The assigned loss mitigation specialist at XXXX, has internally followed up with the servicer and no response. Yet when you contact SPS for status you are told that they are awaiting a decision from XXXX, that XXXX has it under review which is not the situation. Multiple calls have been made to SPS escalation team, the Ombudsman department, and they have no mention of this information. If XXXX does not receive the " terms '' they requested on XX/XX/22, the file will subject to yet another valuation and the homeowner would need to once again for the 4th time provide updated financial information. SO basically starting the process over for the 4th time. The homeowner who is a veteran of the XXXX forces  and under medical attention needs to get this resolved.
Consumer complaint received 2022-11-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NH)

I have been trying to put a request in with Flagstar bank to remove pmi for about 6 months now. Every time I call I get a different answer and terrible customer service. Finally they accepted the application after 30 days which I had called to verify everything was correct before resubmitting since this was a 3rd attempt. They didnt tel me to send a check for the appraisal at that time or I would have been happy to do so. So after 30 days of them now having my 3rd attempt of an application they respond saying to mail a check. I mail a check and then they said it will be another 4 weeks to process. I am beyond annoyed at this point since it is another 4 months of PMI payments. The appraisal company finally calls to schedule the appraisal, I have XXXX so ask them to postpone by 10 days. 10 days later we schedule it only for them to call the day before to cancel saying flagstar bank canceled it. This is after they already cashed the check for the appraisal. At this point it has been 6 months of pmi payments that should have been removed long ago. They are just trying to collect more money and interest. Terrible customer service and completely unfair practices.
Consumer complaint received 2016-04-04
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (CA)

This is in essence the same case that was submitted/reported under ( XXXX and XXXX ) for XXXX XXXX. This complaint is specifically for American Express for similar reasons. We agreed to purchase a timeshare from XXXX XXXX if they purchased our XXXX timeshare. They failed to purchase our timeshare within the time required ( 60-days ) - it has been over 6 months. In the attachments much more detail is provided in the " XXXX timeshare summary ''. American Express has sufficient information to reverse the charges but they are ignoring the evidence. XXXX XXXX needs to either purchase our XXXX timeshare as agreed or tell American Express to refund our money. 
For XXXX XXXX to abide by the agreement they would need to purchase our property for the agreed to amount of {$100000.00}. Since they also agreed to refund the entire amount of the purchase of their property in the first XXXX we would also like those charges reversed on our credit card ( {$24000.00} ). At a very minimum the credit card charges should be reversed.
Consumer complaint received 2022-11-10
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: Experian Information Solutions Inc. (MS)

These are unauthorized credit inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-05-17
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. (MI)

13 inquries were filed on my credit report dates filed : XXXX & XXXX. These lenders has tremendously impacted my credit scores I have XXXX collections as well XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-06-13
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. (NV)

According to my research about FCRA 605, XXXX and TransUnion Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2016-10-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

In XXXX 2016, I opened a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX points in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. 

After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 

I confirmed with Citi on Multiple occasions ( XXXX, XXXX, XXXX ) that I fulfilled all terms of the offer and to expect my bonus. 

Despite meeting all requirements to receive my bonus, the Citibank refused to honor their end of the agreement. I had to file a complaint before they re-evaluated the situation and finally agreed to honor the initial offer. I was told on XXXX XXXX that I would have to wait 60 days to receive the offer. Today is XXXX XXXX and I still have n't received any points into my XXXX XXXX account. 

I filed another complaint earlier this month/late last month because I suspected that Citibank would fail to honor their agreement. This is exactly what happened. I still do n't have the miles promised to me. 

I ask that Citi credit my account immediately. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers. 

THE NEW JERSEY CONSUMER FRAUD ACT : If a jury or a court determines that a party has committed an act of consumer fraud, then that party must pay three times ( 3X ) the amount of damages awarded to the other party. ( N.J.S. XXXX )
Consumer complaint received 2022-11-10
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: CCS Financial Services, Inc. (IL)

My realtor checked my credit profile and there is a collection on all three bureaus for {$290.00} from CCS COLLECTIONS ALLEGED ACCOUNT # XXXX that does not belong to me I sent CCS a certified letter DEMANDING FOR VALIDATION AND PROOF OF CLAIM and received no evidence of such a debt from CCS XXXX This Notice is being sent to you in response to the reporting on my credit profile which is not VALID. I called the XXXX to verify this debt and no one could give me information on such a claim. Be advised that your reporting is being disputed and validation and proof of claim of the disputed debt is requested in accordance with the The Fair Debt Collection Practices Act,15 U.S.C. 16921692p, and as amended by adding the following new Title 8 USC 802., and the Fair Credit Billing Act, 15 U.S.C . 1666- U.S.C . 1666- All of which work in conjunction with each other, including the XXXX XXXX XXXX ( XXXX ) 15 USC 1601 et seq. In accordance with the Fair Credit Reporting Act Alleged account #, has violated my rights. 15 U.S.C 1681 section 602 A. { States I have the right to privacy. 15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. I am in the process of filing for {$1000.00} per violations.
Consumer complaint received 2022-11-10
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: SYNCHRONY FINANCIAL (FL)

a request for credit was sumitted without my approval.bank agreed sent me a letter stating the inquiry would be removed, now 4 months later still appears on my credit report. 
Please advise if i have to hire a copany to fix this problem.
Consumer complaint received 2022-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AXOS FINANCIAL, INC. (MA)

I opened a joint checking account with AXOS bank with my husband on XX/XX/XXXX and transferred all of the gift money from our wedding, along with setting up direct deposit. On XX/XX/XXXX I received a notification that a XXXX payment of {$2500.00} was sent to someone named XXXX XXXX. I do not know this person and never sent this payment. I had such a hard time trying to get ahold of a real person to help shut down this payment. The robo chat feature goes in loops and doesn't connect you to a real person when you ask it to. Eventually I got ahold of someone and they helped me stop the payment but they also put a restriction on my account without telling me. They also could not tell me how this happened, if I was hacked, or how to prevent this in the future. I could not transfer any money from my account and there was no follow-up from anyone why this happened or how to unrestrict it. Days past and I finally was able to get someone on the phone and they made me set up another checking account in order to move the money. Even with the new checking account I couldn't transfer money in my online account. I tried calling, I tried the chat, I tried their secure message system, and no one got back to me with any solution. They finally unlocked my account but the dashboard and the transfer move money option would not load. I sent them screenshots of errors, tried multiple browsers, and cleared my cache. Nothing worked and they kept denying that there was any problem. I finally got someone on the phone today on XX/XX/XXXX to escalate my message to send me a cashier 's check and close the account. Why was this not done in the first place? They have over {$11000.00} of my money locked up without any plan to give me access to it. There was no follow-up with anyone at the bank and they felt no urgency getting this resolved, which was no fault of my own. AXOS bank has basically stolen my money without any access to it for WEEKS. Their customer service is basically non-existent and they have no communication within the company itself. Also, they have no security, because how was this XXXX payment initiated in the first place? They need to figure out their workflows for dealing with hacked accounts, create actual customer service, and have better security. This experience was so horrible that I would never use them again, and honestly they should be shut down because they should not be trusted with anyone 's money given how poorly they handled this situation. Does anyone actually work here? It seems like it's just automated and the system is completely broken.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-05-17
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: HYUNDAI CAPITAL AMERICA (NY)

In XXXX I purchase a XXXX. The car is paid up. Hyundai wants to continue to charge me daily interest on a car that is paid in full. I was told several times by customer service that Hyundai is charging me for daily interest. I was ahead on my payments and according to them my next payment was to be XX/XX/XXXX. I made more than the XXXX payments and in XXXX I complained to the XXXX XXXX XXXX On XX/XX/XXXX I paid the payoff amount XXXX in spite of the fact that the car was paid off. Fast forward Hyundai sent information to XXXX and XXXX that I was 2 years and four months late on payments. If that were the case my car would have been repossessed. Neither agency had a repossession in their data. I have been going back and forth with Hyundai since XXXX. In XXXX the said that I owed XXXX more payments, which was wrong. At any rate I made One payment in XXXX. Two payments in XXXX, XXXX payment in XXXX and two more payments including the payoff amount of XXXX. I have made XXXX payments since then as they continued to send me a bill. Now they are billing me for {$80.00}? I made the payments because I did not want credit reporting problems. I think that XXXX is retaliating because I reported them to XXXX My credit score was XXXX XXXX and XXXX dropped my credit score by XXXX points due to inaccurate information. I want to complain about the reporting agencies as well. They did not see any missing payments prior to this month and they still dropped my credit. The problem is going to be that although they dropped my score XXXX points, when this is figured out they will only raise is a few points.