davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

In the month of XX/XX/2018 I paid off two credit card balances, didn't close the accounts just paid the balances and the next day my credit score dropped 32pts. I emailed XXXX XXXX right away when I first saw my credit score had dropped.XXXX XXXX and I went back and forth between 8 emails and no one could tell me why my score drastically dropped. I proceeded to call all credit bureaus XXXX, Experian and I visited XXXX  still no one can tell me why my credit drastically dropped. Every factor each credit bureau ask me to consider or look at dose not apply to me. One factor was incorrect they said I have only had credit for 2yrs in fact I have had credit for 5 yrs. I have never had a derogatory complaint on my credit report, I have never missed a payment or paid a late payment on my credit report.
Consumer complaint received 2019-03-20
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: SYNCHRONY FINANCIAL (DE)

On XX/XX/XXXX I purchased a rebuilt XXXX XXXX XXXX vie XXXX. I paid for it with paypal. It included a warranty for 12 months. In XX/XX/XXXX I paid my garage over XXXX to install the transmission. Immediately upon driving the van I noticed a high pitch whine when shifting gears. I took the van to a transmission shop and they staed that the case that the transmission was rebuilt in was probally defective and to ask the supplier, XXXX XXXX what the rebuild procedure was and did the use a new case. I attempted for over two months to contact the seller via email and telephone and never got a response. I provided records of these texts to paypal disputes and when I contacted them, the stated that they had not been able to reach the seller as well and I would be getting a credit for the transmission. After few more months went buy they never removed the charge and I contacted them for assistance. They stated that the matter was still under dispute and no interest was accruing. I continued to pay on the account as I have other charges from other sellers. At that point I contacted pay pal and they stated that it was still under dispute. In XX/XX/XXXX I started to accrue finance charges for this item. Paypal just closed the dispute and I continued to pay for a defective item so it would not affect my credit. So at this point it is almost paid off and I have accrued over {$210.00} in fees and interest for a noisy, defective transmission that makes my vehicle unreliable. I don't understand why paypal would tell me the dispute was in my favor since they could not contact the merchant, nor would the merchant every contact me back, then start charging me interest on this item. I am at a loss over this situation.
Consumer complaint received 2019-03-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

On XX/XX/2019 I applied for an Access Account ( checking account ) with Citibank via online. I provided all the necessary information correctly. I was then prompted with a message stating I would hear from them by mail within 5 business days. Five business days approached I called them and was informed that they sent something out but that was all the information they could provide. Upon that still got nothing and so I called again once 9 days had passed. On XX/XX/XXXX a representative had me confirm my address and informed the UNIT number was missing so that was the error. Despite this I have a screenshot of the completed application which shows I put my unit number. The representative then tells me I will need to go in the branch and apply again. For a checking account. This is not credit - there should not be this discrepancy or what appears to be action in bad faith with personal information. I provided my information as services stated and they did not do the same. I met all requirements as advertised for a checking account with Citibank. Each time over the phone verified my identity. I should not have to render my information again. They need to provide a clear, accurate result. I believe there are biases here and this to be of discriminatory nature. Stating the status of an account with my information has no bearing on compromising information. The representative stated I couldn't even go into a branch to get clarification. This needs to be reviewed and I would like some answers especially given that I provided my confidential information for a service that was done improperly and unprofessionally.
Consumer complaint received 2019-03-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (MI)

I originally received a credit card from an XXXX store, which issued me a XXXX credit card. I used it from XXXX-XXXX. I stopped making payments in the Summer of XXXX. I was out of the military in XXXX, and using my GI Bill during this time as my only income. 

XXXX which is based in XXXX, has a head office in Delaware. The statue of limitations for this type of situation, is typically two years. The debt has been sold to a company called Midland Funding, which has especially in the years immediately after payments stopped, contacted me several times through phone calls, voicemails, and letters. 

I do not believe they have the authority to collect this debt, and never did as it was outside of the statue of limitations from the time I first received a letter. Yet, they still send me letters offering settlements, or otherwise listing negative consequences if I do not pay the debt. I also have veteran XXXX benefits coming into my checking account, so they could not garnish from it. There is a link on the CFPB website which also mentions this ( https : //www.consumerfinance.gov/ask-cfpb/can-a-debt-collector-garnish-my-federal-benefits-en-1441/ ). I will include other attachments as well to illustrate my issue. Based on the research I have done, I do not believe this debt is within the law to enforce, and Midland funding is attempting to illegally intimidate me into paying, many years after it was enforceable.
Consumer complaint received 2019-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: RABOBANK, NATIONAL ASSOCIATION (CA)

This bank opened an account for probate ( trust acct. ) without proper probate members ( family members ) listed by name on the trust paperwork. They weren't listed on the bank acct. Then distributed monies for anything requested by 2 or more parties upon request from said Trustee. This started shortly after my Mom deceased in XXXX. The executor of the acct. has WAIVED all HER rites to manage my parents legacy, according to all the lawyers retired and active, I have been seeking help with this 5 long years and counting ... ... This matter needs to be handled as quickly as possible, Please. I'm homeless due to her actions. I need a financial statement from the acct., in question, from a probate judge. Rabo banking in CA.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. A police report has been filed! REMOVE THIS FRAUD ACCOUNTS ASAP!
Consumer complaint received 2019-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Arete Financial Group (FL)

My name is XXXX XXXX XXXX.As of XX/XX/XXXX, i hired Arete Financial to assist me in the student loan forgiveness program. I was lead to believe that this company would assist me in making the right financial decisions regarding my XXXX Student loan, which was not in default. I made immediate payments to Arete for $ XXXX/biweekly for 3 months, with continued payments of $ XXXX/monthly direct withdrawal from my banking institution. Arete sent an email stating i was approved for IBR at $ XXXX/monthly. Arete then filed for a forbearance in XXXX of XXXX and again in XXXX while payments was deducted for them at XXXX/monthly. I never authorized the XXXX forbearance, and it was completely not necessary. That forbearance put me in this position with XXXX which is showing on my credit 107 days late. This decreased my score by XXXX points.I asked Arete what was i paying them for? XXXX informed me that no payment was originally due to them XX/XX/XXXX. By Arete not making the right professional decisions, this has left me in default and kept me from closing on my home XX/XX/XXXX. The credit report was updated XX/XX/XXXX. Arete also intercepted any communication from my orginal creditor by giving them a bogus email address I am very upset as a single parent. I feel like i been taking advantage of.
Consumer complaint received 2018-04-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NJ)

My dispute with Sears has been going on since XX/XX/XXXX. I contacted them when I returned from my trip to XXXX on XX/XX/XXXX because I charges on my bill that were not made by me. I was out of the country from XX/XX/XXXX until XX/XX/XXXX. I was sent a new card and told that an investigation would be opened. Since that date more charges have been made on that account none of which are made by me. Sears has been extremely unhelpful in resolving the matter. At some point I believe my identity was stolen because I have had similar issues with other credit card companies with that were opened without my knowledge. I also had unauthorized charges made on other store cards and they all have been settled and resolved by each company but sears continues to give me the run around. I have made a police report as well as reported the fraud to all 3 credit bureaus and so far everything has been resolved. Even the IRS is informed of the issues Ive had. I just want to get rid of this issue with sears because it is affecting my credit. Ive had my sears card for more than 10 years and Ive never had an issue making payments. I pay all my credit cards on time I wouldn't have any motive to want to take advantage of sears. Ive gotten to the point where I had to close my store card because I can no longer deal with the aggravation of having to call almost everyday for the past 6 months and stil get no resolution.
Consumer complaint received 2024-02-01
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. (WA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602A. 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 2022-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WA)

I applied for an amex credit card at the beginning of 2022. The card opening bonus is XXXX rewarding points for meeting spending conditions within three months. My card was opened in early XXXX, but the courier company amex chose lost my card. So I contacted them to send the card again. didn't receive my card until the late XXXX. I contacted their customer service to ask for an extension on the time frame for completing the spending condition because I was already past that time frame when I received the card. But their customer service refused my request
Consumer complaint received 2018-11-24
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: EQUIFAX, INC. (TN)

I have a student loan that is a duplicate account. There are late payments in which i was never late on the reported days. Student loans has failed to respond within the 30 day period and did not provide me with no proof for the incorrect information
Consumer complaint received 2019-03-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (OH)

Received a call on my work phone. Caller ID showed a local Cell number so I thought it was a valid work call. When I answered it was a lady From National Credit Adjusters. they were calling daily so I answered today because again I thought this was a work Issue
Consumer complaint received 2022-06-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SMITH, ROUCHON & ASSOCIATES, INC. (MS)

I do not have any knowledge of the debt and I am experiencing difficulties with fraudulent charges and accounts with several companies and I have attempted to work with most of the companies but the representatives that I have been in contact with by voice calls and customer service chats are not being honest and they give me the runaround. Due to this fact and the fact that I have absolutely no idea of why this is being charged to me, I have just decided to report it instead of going through another time consuming, futile attempt to correct the information. This has been consistently happening throughout the past and even more so during epidemic and after the ransomware attacks.
Consumer complaint received 2022-05-04
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (CA)

I spoke with Navy Federal representative in XXXX explained I wanted to provide money to my account as usual to pay my Navy federal credit card from my external bank. I requested direction on best way to do it to be available same day. Navy federal representative said check and it will definitively be available next day. I said is she sure otherwise I can drive to branch and deposit cash. The Bank representative assured me this was the direction which I relied on to use a check. The next day I was told there would be a 7 day hold. XXXX Supervisor XXXX on a call shared with him the issue that they made a temporary credit for the error on Friday and on Monday XXXX time. This overdraft was a result of a temporary credit and transfer erronios by Navy Federal and has cause damage.
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

On XX/XX/18 I went to the XXXX XXXX website to research auto loans. I put in my name. It asked if I was a member of XXXX XXXX. I said yes. I did not enter any other information. I clicked the cancel button and closed the page. I later got a letter and an email saying they checked my credit score as part of a loan application. I did not apply. They checked my credit without my authorization.
Consumer complaint received 2018-10-15
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. (NC)

Please correct all the dates that the account is showing delinquent when it is not for me and my cosigners as well. One date that is wrong is XX/XX/XXXX. It shows late payments when it was not late. Please correct the late payments between the year of XXXX - XXXX for me and for my cosigners as well.
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please correct all the dates that the account is showing delinquent when it is not for me and my cosigners as well. One date that is wrong is XX/XX/XXXX. It shows late payments when it was not late. Please correct the late payments between the year of XXXX - XXXX for me and for my cosigners as well.
Consumer complaint received 2018-10-15
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. (NC)

Please correct all the dates that the account is showing delinquent when it is not for me and my cosigners as well. One date that is wrong is XX/XX/XXXX. It shows late payments when it was not late. Please correct the late payments between the year of XXXX - XXXX for me and for my cosigners as well.
Consumer complaint received 2018-04-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I applied for a personal line of credit in the amount of {$5000.00} to make repairs to my home. I used USAA 's online application and was denied. The reasons cited were serious delinquencies on my account, which is incorrect. I do not have any outstanding balances on my account. There is a Bankruptcy from XX/XX/2014that was dismissed when I became unable to work, however, the small amount of debt that was placed in the Bankruptcy has since been paid when I began to receive my XXXX  payments. The bankruptcy was filed to save my home and all my accounts are in outstanding condition. Therefore, I believe that USAA is using incorrect information. I called and asked to speak with a senior representative and have gotten nowhere. I have banked with them for over 15 years and have not burned them on any payments or been delinquent on anything ( automobile insurance ) or checking account. I do not have a bankruptcy account listed with them and am just baffled about how they are getting this wrong information. My application was unfairly declined. I wand someone at the corporate level to relook at my application.
Consumer complaint received 2018-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (MI)

XX/XX/XXXX HunterWarfeild is alleging that I owe {$770.00} or so the amount keeps changing on my credit report the amount keeps going up. I reached out to this company and asked for a signed contract they sent me back a contract with forged signatures that are not mine. I wrote them a letter to explain that this information is incorrect. Im not satisfied with this being on my credit report.
Consumer complaint received 2019-03-20
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

We lost our home in the XXXX fire and it was a complete loss. We have a reverse mortgage on it with Ocwen as the mortgagor. We tried to get a hold of Ocwen to let them know what happened and find out what we needed to do to settle the issues with them. We called Ocwen gave them the details and tried to look up our account with the social security number, the home address, the telephone number xcetera and they had no record of the mortgage. We made various attempts to contact them to resolve this issue and it seems like nobody new who we should get in contact with to get this issue resolved! We ended up sending a letter which got no response. Then we sent a certified letter which did get a response we found out they got the message. In trying to get a hold of someone who knew what we should do or the process we should follow was very, very difficult. we got switched from one Department to another department and people just did not know what they were doing. 
After a lot of effort I finally got ahold of Ocwen 's Reverse mortgage servicing Department and a person named XXXX XXXX. Tried to let him know what was going on and the efforts we made to get ahold of someone who could help and the fact that we had been trying for months to do so. I let him know that we needed to find out how much money they had spent to acquire the reverse mortgage, all of the charges that were involved, and what we needed to pay. He gave me the amount that was due at the time of our conversation or the prior month. 
I let him know that we needed to have it retroactive back to XXXX when we tried to contact them because we made the effort to resolve this issue and we couldn't get a hold of anyone to do it. He said they don't have any means of going back and getting the payoff to the XXXX date. I asked him if I could speak with his supervisor and he would not give me a phone number. However, I did get an email for his overseer Mr. XXXX and sent him an email explaining what was going on and asking for his help. 
Because we felt that the lack of communication was on Ocwen and that we had been treated unfairly reached out to the consumer affairs Department, HUD, and the Attorney General the state of California. This is part of the process we're going through now. We also found out that there's not a whole lot of information about how to deal with people who handle reverse mortgages. Even the governmental departments don't really know what's happening with those mortgages. 
It's very frustrating when you have a huge company that doesn't fulfill their responsibilities and gives you the run around and are not willing to work with you. Not only have we lost everything but, now we have to spend time energy and the emotional energy ( which we really don't have ) to deal with an organization that could care less about what's happened, what's happening or how you are being affected by the devastating affects of losing everything.