davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (MO)

I presently have both an XXXX XXXX credit card and a savings account with CitiBank. I typically track my credit purchases at least weekly via the CitiBank mobile app, this site also includes access to my savings account. 
Last week when I logged in from the app, I was immediately taken to an activation page where I am provided with two choices ; enter new card ( doesn't specify credit or debit ) and choose " continue '' or " cancel '' which routes you back to the login page. I do not have a new debit card ( I destroyed the original as it was neither needed nor requested ) and have already activated and used my credit card which was received approximately 6 months ago. 
I have tried their automated phone, spoken with approximately 8 people none of which can help me gain access to my account ( one resolution was to drive 329 miles to my nearest branch office to complain in person ). They can not tell me when the card was sent only that I need that card number or the original one that I destroyed in order to gain access. The reason provided was for security despite being able to provide my full name, address, credit card and savings account numbers and date of birth.
Consumer complaint received 2024-03-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Sigue Corp. (CA)

I sent wired money to my cousin in XXXX and she never received the money into her account. I paid {$200.00} XXXX XXXX to the Sigue agency representing them and did not hear anything about her receiving the money that was sent. Money was sent last year XX/XX/2023 and I have proof of payment and now agency that received money for Sigue which they no longer represent because Sigue is under investigation for fraud is not able to help me retrieve my money. Sigue telephone and e-mail services have been disabled and I cant get a hold of anybody to help me retrieve my $ XXXX XXXX dollars back.
Consumer complaint received 2022-07-24
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: BARCLAYS BANK DELAWARE (CO)

This is a follow-up on case XXXX. It has now been a month since Barclays committed fraud against my account. Please refer to this case number. They have had a month to work on it and another week has passed. I filed this case with the CFPB a week ago and the response of 'they are working on it is simply untrue '. They have shown no interest in resolving this case. They have tanked my credit by reporting an over limit to the credit bureaus for three weeks. I am now asking for this to be resolved no later than XXXX XXXX XXXX XXXX Wednesday, XX/XX/2022. They have had five weeks since they first caused this fraud against my account. In addition to my account being fixed, Barclays Card should be fined an excessive amount, my account should be credited {$5000.00}, after resolving the {$10000.00} transfer fraud, and my credit should be immediately restored to my pre-barlays card fraud. This organization has shown no urgency in resolving their issues and fraud against myself and my account and my credit score. It is a crime to misrepresent credit to the credit reporting agencies. For those consumers reading this, as I've allowed it to be public, do not go into business with Barclays Bank. Do not get a credit card. They commit fraud.
Consumer complaint received 2022-06-19
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. (VA)

In accordance with the Fair Credit Act XXXX XXXX XXXX Acct # 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 an account without my written instructions.
Consumer complaint received 2022-03-06
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. (PA)

XXXX reports now in XXXX is totally not helpful and does not know anything but what that are told.

1. 3 hard inquires that my die was frozen. I triedfor a year going through them and it is more then frozen.They don't allow me into ny credit for.Since they moved t XXXX they have my score even messed u p. They let credit cards close down but tried to lEt there cards that they get rgit get over credit freeze and give me HARD INQUIERYS. 
A. XXXX XX/XX/2020 B. XXXXXXXX XXXX XXXXXXXX C. XXXXXXXX XXXX XXXX XXXX All 3 were on credit freeze that whole year until today.

No investigation was made like FCRA SECTION 609, 611 OR 625 were not even used for any thing wrong with credit file. My score should be over 750 but they made cards close by letting them use my report to see info like was I using there cards or stuff that was licked.
Consumer complaint received 2020-07-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IA)

Trying to establish payment plan based off of income and student debt payments. I continuously submit the appropriate paperwork ( income amount and frequency, other debt payments, and proof of payment relief, etc. ) but they just keep rejecting the forms. These are also the exact same forms I submit for another loan I have with them that they have accepted.
Consumer complaint received 2022-03-06
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. (PA)

Equifaxcredit reports now in XXXX is totally not helpful and does not know anything but what that are told.

1. 3 hard inquires that my die was frozen. I triedfor a year going through them and it is more then frozen.They don't allow me into ny credit for.Since they moved t XXXX they have my score even messed u p. They let credit cards close down but tried to lEt there cards that they get rgit get over credit freeze and give me HARD INQUIERYS. 
A. XXXX XX/XX/2020 B. XXXX XXXX  XXXX C. XXXXXXXX XXXX XXXX XXXX All 3 were on credit freeze that whole year until today. 
No investigation was made like FCRA SECTION 609, 611 OR 625 were not even used for any thing wrong with credit file. My score should be over 750 but they made cards close by letting them use my report to see info like was I using there cards or stuff that was licked.
Consumer complaint received 2018-05-18
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Maury Cobb, Attorney at Law, LLC (NY)

For the. Last months they continue to call from various XXXX area code numbers. I told them to send correspondence to me via the mail. They CONTINUE to harrass me and will not provide me with any information regarding the reason for their call. After some research it looks like a XXXX bill which I had paid previously.
Consumer complaint received 2018-05-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (VA)

Hello. 

I am in a repayment plan with Navient for loans taken out for my daughter, starting in XX/XX/XXXX. 

I asked Navient to temporarily hold payments in XX/XX/XXXX. I was granted 6 months with no payment. I requested an additional 6 months with no payment and was denied. Also, my payment went up. 

I originally requested a reprieve based on loss of income. My wife lost her job. But for the previous year, she had been sick and it took a year for a diagnosis. She is still unemployed and na not be physically able to return to work - which has cut out income in half. 

What can I do to get rid of these loans or before a much power payment. I have tried on multiple occasions to negotiate with Navient to no avail. 

Thanks!
Consumer complaint received 2022-03-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

We chose to utilize the Pandemic Forbearance option because representatives from Mr. Cooper/Nationstar told us, verbally, that deferment would be available as a completion resolution. Later our mortgage servicer, Mr. Cooper would not provide deferment. We wrote them a formal letter ( XX/XX/2021 ) requesting that the provision for deferment be honored and requesting a more responsible brand of communication than the contradictory and confusing directions provided. 

The written response that we received in reply did not answer our questions or help the situation. 

Mr. Cooper then instructed us to apply for a modification. We are still hoping to receive the deferment as promised. Our XXXX XXXXXXXX loan is working well for us and we prefer not to adjust away from it. We could not get an accountable answer from Mr. Cooper about why we were told that the forbearance could complete in a deferment but then that was not provided. 

We then were notified that the modification also was not offered by the lender. We sent in a second letter ( XX/XX/2021 ) seeking to understand why the modification had been offered and then we were notified that it was not available. 

We have been respectful throughout this communication process and have diligently paid our loan for more than 15 years. 

We additionally have the concern that when Nationstar adopted the new name, Mr. Cooper, they intentionally created an expectation of neighborly and more personal service. The corporate confusion and runarounds we have experienced created the sense that the adopted image is inauthentic. 

They are now demanding about {$26000.00} and threatening foreclosure. They continue to advise that federal monies are available and for us to apply in order to pay off this sum. But we feel this is unethical and that the company is attempting to receive the government money rather than provide the deferment that we were told would be available and that they will not not provide. Additionally we believe that the refusal to provide at least the modification may be a breach of law.
Consumer complaint received 2018-05-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: DOAN SOLUTIONS (OH)

I receive 10 phone calls a week for the last year about consolidating my federal student loans. I am now receiving emails about this. I do not have any student loans ( federal or private ) of any kind. I am not receiving any bills in the mail. I am concerned that someone has taken out loans in my name or an error has been made. I called XXXX at XXXX and XXXX at XXXX and was hung up on several times. I do not want to receive any further contact about student loans as I do not have any.

Please assist.
Consumer complaint received 2018-12-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NC)

On XX/XX/XXXX, I submitted my income driven request to XXXX to renew my income driven repayment plan. On or about XX/XX/XXXX, I received an email that I needed to denote on my paystub the frequency of my paychecks. The dates clearly show a bi-weekly payment, but I re-uploaded the requested documentation on XX/XX/XXXX, the requested documentation. On XX/XX/XXXX, I noticed my application had not processed and I called them and spoke with a representative to make sure my application would be in process and my XXXX payment would be normal. I was assured that my application would be processed before my XXXX payment. On XX/XX/XXXX, I received notification that my monthly payment on income driven that has been approximately {$450.00} was going to be {$2700.00} on XX/XX/XXXX. I immediately called XXXX and spoke with XXXX, employee ID XXXX, and was told that my XX/XX/XXXX, payment of {$2700.00} had already been issued and could not be adjusted. I asked XXXX to speak with a supervisor as I could not understand why I was paying for their failure to timely submitted my application. I then spoke with XXXX, employee ID XXXX, who said my only option would be to take a deferment. I explained that was not ideal since if I do not pay off my loans that would not count towards my forgiveness period and would add an extra payment on at the end of the 25 year forgiveness period when I will be hopefully making more money. He said there was nothing that could be done other than the deferment. I then stated that I was typing a complaint to the CFPB as I spoke and he was going on the record that I had to take a deferment even though I had timely submitted my application, but they had not timely processed it. He then said he was going to check on something and put me on hold. When he came back, he said he would escalate the issue and process my application himself today, XX/XX/XXXX, and put in a request for my XXXX statement to be reissued, but that there was no guarantee that it would be processed and my payment adjusted. He said I could take a deferment even after XX/XX/XXXX, but since I have direct debit, that I would need to request the deferment by XX/XX/XXXX to avoid the draft of {$2700.00}. 

I have had similar issues like the one described above every single year in renewing my income driven repayment request. What can I do to prevent this from happening again? Why is a student loan servicer permitted to delay processing timely submitted applications and stick me with the bill? Once they issue the bill, there is no adjusting for XXXX 's error other than for me to take a deferment that has a negative impact and extends my forgiveness period a month?
Consumer complaint received 2018-12-18
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. (NJ)

I recently used my credit card to buy some XXXX gifts, when I looked at my credit score on XXXX XXXX I saw that my score had dropped significantly from GOOD to FAIR. My complaint is ... why should my score go down because you use some of the available credit you have? My utilization went from 1 % to 15 % of available credit. This practice of Credit Reporting companies is unfair and fraudulent, they drop your score and have not waited to see if you make your payments on time or even if you make the minimum or greater payment. What they are doing penalizes you for using your available credit WHICH is then used as a reason for lenders to charge you high interest rates. This practice is more of a collusion between Credit Reporting companies and Lenders. It really is as though you take one step forward and end up two steps backwards. It literally is putting the cart before the horse. 
I have worked very diligently to get a high credit score in order to get the advantages of it. Instead of helping consumers they are suppressing consumers and working with the Lenders to keep the you continually paying higher interest rates. 
I look forward to hearing from you, XXXX XXXX
Consumer complaint received 2022-07-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax is reporting a second account as a charge off that I never opened from XXXX. My one and only account with XXXX was paid and closed. I have tried disputing several times as not my account, incorrect payment information as well as dates wrong but Equifax keeps only updating information on that account. I was able to have this second account from XXXX deleted from the other credit reporting agencies but Equifax will not delete it and they will not show me proof of how they verified this information. There is no proof of me opening a second account at XXXX. The charged off XXXX account is a false account or created in error and it is illegal for them to keep reporting on my report.
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

I called Experian about the wrong Social Social Security number on my report. They are reporting. My SS Number is not what they are reporting. Also I asked on the phone and online. That they remove old names. I legally changed my name in 2006. After being Married. They are reporting names I never used ever. My name before being married was as follows. XXXX XXXX XXXX. They have on the report XXXX XXXX XXXX. XXXX XXXX. which is not even a correct name. Old address as well. I asked on the phone with Experian to correct all personal info. They also are never report accurate information with my score. Which I repeatedly asked for to be corrected. And if I could get my score to begin with. Which I never did, I had to buy it myself. They have never reported my information correctly. Nor have they corrected after I ask.
Consumer complaint received 2022-03-06
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: Experian Information Solutions Inc. (PA)

I have been disputing this issue for over a year now with XXXX. Initially it started with an inaccuracy of a missed or late payment of 30 plus days in XXXX of 2020. So I began by contacting the dealership where I bought the car numerous times over a 9 month period, by phone and in person. I spoke with the financing departments manager. Then the sales manager, and the store manager. Each time I was reassured they would contact the corporate office and speak with one of two people " XXXX or XXXX '' whom deal with credit reporting only to have no resolution of the issue. Finally I asked for the the contact information to the credit reporting department. About a week after speaking with them my credit report finally reflected accurately. Then a week later it was back on my report as a late/missed payment of 30 plus days in XXXX now. Next I spoke with a woman named XXXX from corporate whom spoke with someone and had XXXX 's inaccuracy removed only to have it return again a week later as a late/missed payment of 30 plus days in XXXX. Where it has remained through 5-6 separate disputes to my experian credit report over the past 3 month 's, 5 of which were online. I provided proof of my payment history to Experian which I was given by XXXX which clearly shows, at no time during any of the months in question was I 30 plus days late. My latest dispute I called Experian and filed a dispute over the phone with a customer service representative in order to clearly explain myself. Each time I disputed this issue either online or the last over the phone. I have had the same outcome. " The creditor in question states that the information they provided to the credit agency was accurate and would not be changed at this time. ''
Consumer complaint received 2022-06-19
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states that I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-19
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: Experian Information Solutions Inc. (CA)

Hello, I have been disputing a 30-59 day late payment for XX/XX/2022 from a personal loan to all 3 major credit bureaus and XXXXXXXX XXXX  directly . They do not correct the inaccuracy. This information is unacceptable.
Consumer complaint received 2022-03-06
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. (MD)

On Date XX/XX/2022 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated.
Consumer complaint received 2021-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (MD)

Citibank - 0 % interest promotional rate expired on XX/XX/XXXX. {$7900.00} promotional rate balance " moved to standard purchase '' interest rate on XX/XX/XXXX, with 16.99 % interest rate. Standard purchase balance was {$0.00} prior to XXXX. Payment of {$8300.00} made on XXXX should have been applied to " standard purchase '' balance of {$7900.00} after minimum payment amount due of {$220.00}, in accordance with Citibank 's own policies, which state : " Each month 's minimum payment due is applied in the following order : 1. Past due amounts ( if applicable ) 2. Current interest charges 3. Principle balances in Annual Percentage Rate ( APR ) order from lowest to highest. 

Please note that payment amounts greater than the minimum due are applied to balances with higher APRs before balances with lower rates. '' I contacted Citibank on XXXX via chat, then was transferred to a supervisor via telephone. After extreme resistance, they admitted that XXXX, the date of the payment, is indeed after XXXX, the date they moved the promotional balance to the highest interest rate in my account. They advised me that they would " make adjustments '' in accordance with their policies. 

I then received a letter from Citibank dated XX/XX/XXXX that they were " unable to apply your payment as requested, '' EVEN THOUGH THAT WAS A VIOLATION OF THEIR OWN POLICIES AND CONSUMER PROTECTION LAWS. 

As a result, I am now paying 16.99 % interest on a large balance, and they incorrectly paid off a 1.99 % promotional rate through XX/XX/XXXX on a balance of {$3700.00} on the XX/XX/XXXX statement, terminating that rate on XX/XX/XXXX.