davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-08
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. (VA)

XX/XX/2019 I got approved for a loan with XXXX. XX/XX/XXXX a payment was supposed to be paid to XXXX but I got an email from XXXX saying they now own the loan and I must go on their website to set up autopay. I was in the middle of driving cross country because I was XXXX ( XXXX XXXX ) so I told them when I got settled I would. When I got settled I set it up but there was no XXXX  XXXX  in my area so my direct deposit was sent to XXXX XXXX XXXX XXXX. I tried to set up payment before then to come out XXXX XXXX  but they said if you late you can not do autopay or if payment is returned. Each month I went online to send payment but they still kept saying I was late. I finally talked to a decent Supervisor in XXXX who told me that XX/XX/XXXX I owed for XXXX so I was always behind one month and thats why it was 30 days behind and some auto pay set ups did not come out even though I did it online. She took of 1/2 of late payment. XXXX $ for each month which was XXXX. So she told me pay XXXX $ for late fees, XXXX, XXXX and XXXX payment, plus XXXX $ fee for 1 month extension and that would be 6 payments so they could set me up for a 1 month extension so that I would be caught up. Then she would make sure after that starting XX/XX/XXXX my auto pay would remain in effect and I wouldn't have to call again or be harrassed by them. 3 days later they were blowing up my phone saying I was 60 days behind and said they had no recollection of my conversation with supervisor. They then reported to the credut bureau I was 120 days late. So I told them stop harrassing me. Everyday they call over 10 times. XX/XX/XXXX a partial payment came out and I do not know why the full payment did not come out and they still reporting I have not paid.
Consumer complaint received 2023-03-02
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 US code 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. 

Kohl 's violates this right on my credit report.
Consumer complaint received 2022-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Siwell Inc (TX)

On XX/XX/XXXX, Capitol Mortgage Services of Texas, my mortgage company paid my taxes with escrow amount. In XXXX of XXXX, I requested the amount left in escrow to be sent to me, minus the required amount they must keep, my part to be sent to me is over XXXX. 
I have now sent, called and e-mailed over 18 times to receive my money- -they have ignored all request.

I just want the overage money and a statement showing HOW they came up with a different amount, if any, on my escrow money.

I am merely asking what is rightfully mine on this.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2020-04-08
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX  denied my dispute after my card was stolen and maxed out. 

They are very happy to see that my card is maxed out because they can charge me interest on the balance. But they are so blinded by greed that they don't even care that I was not the one who did the transactions. 

They said the transactions are valid, which is a lie. I never attempted or approved these charges. XXXX must have allowed someone to trick them into thinking the caller was me if they are claiming that the transactions were verified. 

I have spoken to several reps from XXXX, but no one will even consider that I was not the person who made the charges. They are too interested in billing me for the balance.
Consumer complaint received 2020-04-08
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

XXXX XXXX denied my dispute after my card was stolen and maxed out. 

They are very happy to see that my card is maxed out because they can charge me interest on the balance. But they are so blinded by greed that they don't even care that I was not the one who did the transactions. 

They said the transactions are valid, which is a lie. I never attempted or approved these charges. XXXX must have allowed someone to trick them into thinking the caller was me if they are claiming that the transactions were verified. 

I have spoken to several reps from XXXX, but no one will even consider that I was not the person who made the charges. They are too interested in billing me for the balance.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XX/XX/2024, I attempted to 'freeze ' all three of the credit reporting companies- XXXX XXXX XXXX and TransUnion . I was able to do the FREE freeze easily with XXXX and XXXX. Both companies were able to find my information correctly because I have had accounts with all three companies for years. I have frozen and unfroze my accounts multiple times throughout the past 20 years. Today I typed " transunion freeze '' in XXXX search and https : //www.transunion.com/credit-freeze was the first website I came upon. I entered prior username and password which did not work so I attempted to retrieve my information. The website could not find an account which I thought was odd but my last name has changed in the past 20 years and I have recently moved in the past 2 years so I thought maybe the current information I'm submitting can't connect to my prior account. So I sign-up in hopes it'll connect to my prior account. At the end of the sign-up process, it asks for my CC which I find odd but think well I guess they need it on file in case I want any of their paid services. I clicked continue and was automatically charged {$29.00} with no real notification of why I was being charged. I immediately contacted live chat since it's Sunday and connected with line agent " XXXX. '' He helped get me a refund and cancel my membership and then gave me the direct link to the 'free ' site to do the free freeze : XXXX XXXX XXXXtransunionXXXX I went to this site and it LOOKS SIMILAR AS THE PAY SIGHT. I couldn't believe it. I attempted to go through XXXX again and see if I was just not paying attention when I attempted to freeze my account with TransUnion and it continued to direct me to the PAY sight every time. I was floored. I'm an attorney and have worked as a Deputy Attorney General in consumer services litigating deceptive consumer acts. THIS ACTION BY TRANSUNION IS DECEPTIVE. I admit I may not have read all the 'fine print ' because I have an account and I trusted a credit bureau to be able to connect my information when I submit it to an account ( which included my SSN and DOB ). TransUnion consciously directing unsuspecting clients to the pay sight is unacceptable. There should be a ( XXXX ) disclaimer that is VISIBLE, or a box to check prior to signing up for the monthly membership, ( XXXX ) the pay and free websites should NOT look so similar ; and ( XXXX ) the pay site should be connected to the free site in some way so when I submit my personal information in order to locate my account that I have had for the past 20 years, then the pay site should be able to locate my account or direct me to the free site. I'm so furious this happened to me - a well, educated attorney. I can't imagine how many people this happens to!
Consumer complaint received 2024-04-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company (NC)

1. I sent the following Message to Freedom Mortgage in XXXX of 2024 : " Please verify why I was charged 3.326 % Loan Orignation Fee verusus the statutory mandated VA XXXX cash-out loan Origination Fee not to exceed 1 %. I did not receive any discoutns, no lender credits and no reduction in my initital interest rate of 5.25 % I am also a XXXX XXXX XXXXXXXX veteran and would not be required to pay VA funding fees. VA website info : 38 CFR 36.4313 : " ( 2 ) A lender may charge and the veteran may pay a flat charge not exceeding 1 percent of the amount of the loan, provided that such flat charge shall be in lieu of all other charges relating to costs of origination not expressly specified and allowed in this schedule. '' Thanks in advance for getting this resolved ASAP. '' 2. I received the following message back : " Dear XXXX XXXX XXXX, Thank you for contacting Freedom Mortgage Corporation ( Freedom Mortgage ). We received your request via our website on XX/XX/year>, regarding tax exemption inquiry. We appreciate the opportunity to assist you and hope you find the following information helpful. 
Please note additional research is required and we are working diligently to respond to your concern. Our research should be completed by XX/XX/year>. The findings will be sent to you via our secure message center once the research is complete. 
If you need to speak with a Customer Care Representative, please call Monday through Friday XXXX to XXXX, and Saturday XXXX to XXXX, Eastern Time at ( XXXX XXXX XXXX. 
Sincerely, Customer Care Team Freedom Mortgage Corporation IMPORTANT NOTICE : TO THE EXTENT YOUR OBLIGATION HAS BEEN DISCHARGED IN BANKRUPTCY, IS SUBJECT TO THE AUTOMATIC STAY OR IS PROVIDED FOR IN A CONFIRMED PLAN, THIS COMMUNICATION IS FOR REGULATORY COMPLIANCE AND/OR INFORMATIONAL PURPOSES ONLY, AND DOES NOT CONSTITUTE A DEMAND FOR PAYMENT OR AN ATTEMPT TO IMPOSE PERSONAL LIABILITY FOR SUCH OBLIGATION. '' As of XX/XX/year>, I have not received any written communication from them, and the only thing that happen is someone called me and said they would respond.
Consumer complaint received 2020-04-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Fraudlant charges on my card I reported them to bank of america the day they happened. 

Bank of america rejected my chargeback wven though i reported my card stolen in a timely manner
Consumer complaint received 2020-04-08
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (CA)

In XXXX of 2020 I paid off my Chase credit card in ( # XXXX ) full. I have not used that card since and didn't not receive any email statements so I didn't know I had a balance from some online subscriptions. At no point did Chase contact me to let me know that I had a balance and the account went past due with fees ( nor was anything posted online ). Although the statement was posted online, there was no email notification as typically is done. The account continued to be past due ( with no knowledge of myself XXXX and they called me today that my account was 60 days past due. I called and made arrangements to pay off the account in full again, but the damage had already been done to my credit. I have never made a late payment in the 4 years i've been with them. I paid off my balances in full. They will not act in goodwill and remove the reporting, even though I was not notified. 

Furthermore, I went to the XXXX  website and it says creditors can remove credit reporting. Chase said that is not true and there's nothing they can do. This information is include on all credit reporting websites though. I feel like the lack of notification ( even though they say it went through on their end ) is not correct and they have ruined my credit.
Consumer complaint received 2024-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stenger & Stenger, P.C (OH)

I became aware of this fraudulent account in XX/XX/2020 I notified the original creditor but I was unsuccessful with resolving the fraud with them then send to a collection company which in turn has selected a attorney and proceeded with litigation. I've notified the attorney and I have not heard from them with any results of their investigation.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This issue concerns Transunion Credit Bureau and their failure to provide adequate resolution in releasing my credit report which is currently suppressed ( reason unknown ). A Transunion representative requested a copy of my social security card, which I sent by certified mail. I called XXXX weeks later in an attempt to get this issued resolved and to regain access to my credit report. Now I am being requested to mail in a copy of my driver 's license. Transunion does not have a secure way to receive documents any other way, except through mail, which makes me vulnerable to ID Theft. This issue alone is very upsetting to me. And after several weeks, my issue is still unresolved. Time is of the essence as I am purchasing a home and go to settlement in XXXX weeks.
Consumer complaint received 2022-02-23
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. (PA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX {$71.00} XXXX XXXX XXXX {$890.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$480.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2022-02-23
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. (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 Equifax 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 Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

Someone used my debit card number and PIN to withdraw {$7000.00} at an ATM from my Citibank account. Citibank refuses to refund money saying I withdrew that money. At the same time this happened my accounts at 4 other banks were compromised. All the other banks have returned the money. I have filed 2 police reports in 2 different departments. I have asked for a photo of person at ATM but I was told I need a court ordered subpoena. I dont know how to proceed. 

The withdrawals in question occured on XX/XX/22 and XX/XX/22. As soon XXXX found out I called the Citibank fraud unit and later wrote to their Citi Executive Response Unit and they said " this seems like my usual banking practices ''. As mentioned above my accountsat XXXX XXXX, XXXX XXXX and XXXX XXXX  and XXXX were also compromised. Some of those accounts have since closed or locked so I don't have detailed information on them but I have them for Citibank. 

Case # 's for appeal with Citi Executive Response UniXXXX are XXXX # XXXX, case # XXXX
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$1900.00} Balance Updated XX/XX/XXXX Credit Limit {$2000.00} Monthly Payment XXXX XXXX XXXX  Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$15000.00} Balance Updated XX/XX/XXXX Original Balance {$17000.00} Monthly Payment - Past Due Amount {$15000.00} Highest Balance - Terms 66 Months Responsibility Individual Your Statement - Comments - XXXX XXXX XXXX Account # XXXX Original Creditor XXXX XXXX XXXX. 
Company Sold - Account Type COLLECTION Date Opened XX/XX/XXXX XXXX XXXX XXXX   Account # XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Company Sold - Account Type COLLECTION Date Opened XX/XX/XXXX Account Status! ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Wholesale - non specific Contact Information XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX CAP XXXX NA Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Personal loan companies Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX   Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Sales financing company Contact Information XXXX XXXX XXXX XXXX, FL XXXX BYMAILONLY XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Personal loan companies Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-05-05
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. (WI)

Late payments are being reported and I have never been late. I also have inquires that have yet to be removed. There are several laws that are continuously being broken by XXXX, Equifax, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX upon me 15 U.S. Code 1692 ( a ) 15 U.S. Code 1692 ( d ) ( 1 ) 15 U.S. Code 1692 ( d ) ( 5 )
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (CO)

In XXXX, AMEX increased my credit XXXX from XXXX XXXX XXXX XXXX XXXX. They said it had to do with a decrease in my credit score with XXXX. However, when I checked, I did not have a decrease in my score. I called AMEX to challenge the credit XXXX increase and was not able to get anyone that could change the XXXX back to a more reasonable level. They could not tell me the credit score that I needed to have to reduce my XXXX and they could not/ would not change my XXXX back to the previous XXXX XXXX number. I have been with AMEX for XXXX years and make > $ XXXX. I could not understand how they would treat a good customer like me in this way. There was nothing I could do to talk to someone or change the XXXX. Very frustrating. I would close the card, but the impact to my XXXX XXXX would be quite negative as I have a $ XXXX credit line with AMEX and XXXX {$2000.00} in balance at this time. I always understood that we should be able to call a credit card and they should be able to tell us what credit score we needed to have to change the XXXX. AMEX is clearly not following this and should be investigated for it's deceptive practices serving customers.
Consumer complaint received 2023-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

Incident Description I have been a victim of identity theft. My old apartment at XXXX XXXX XXXX XXXX. I believe the current residence was getting old mail and using my identity to apply for credit card loans utilities and apartments. I have been constantly getting items in my name without my permission. I am not aware of any of these items on my report.
Consumer complaint received 2022-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

I called fedloans in XXXX because I could not afford my monthly payment as a new teacher with XXXX kids. They did not offer to check my eligibility for an IBR, they told me to submit a forbearance. Then, I started my masters in fall XXXX, they did not tell me that my loans would automatically go into deferment. Deferment was not my choice and forbearance was psyched on me. I worked with an eligible employer since XXXX and my payments should have been {$0.00}. In XXXX, they advised me to consolidate my Loans. They did not tell me that o could opt out of deferment and back date it. They fail to acknowledge giving me misinformation. Please take this opportunity to understand that I was pushed into deferment and forbearance without the proper information for PSLF. All I ask is that they review my case and apply my years of service to my count.