davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-15
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. (LA)

There is an account open at XXXX XXXX in XXXX, SC showing up on my credit report for around {$3500.00} that I did not open. After speaking with several people at XXXX corporate office, they have denied responsibility, saying that it was reported correctly on their end. The account belongs to a woman with the same name and similar social security number to my own. This woman is from the same town as me, with a similar birthday, name and ssn, so this has been a recurring problem for us for most of our adult lives. We should be closing on our home in 7 days, however this and other debts that have been incorrectly reported is causing a delay.
Consumer complaint received 2019-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

My mortgage was purchased to Mr. Cooper ( Nationstar ) from previous lender Seterus, Inc. Once I received notice from the Mr. Cooper , it also included a past due bill that indicated I was 50 days late and missed both the XX/XX/2019 and XX/XX/2019 payment. My house was in jepordy of foreclosure. In addition, the principle balance and monthly payment had increased. Upon my initial inquiry I was told the payments from the previous lender must not have been transferred over correctly. I submitted 2 years of payment history to SeteruXXXX from my XXXX XXXX XXXX on line banking to Mr. Cooper. It is impossible to reach the research team, they do not interface with customers. My claim was denied according to a customer rep even thought I showed them proper payments. Each day I speak to someone new in their customer service department and continue to get different answers. They have since reported delinquent to my credit reports, and continue to tack on fees. This company 's inaccurate reporting, threats of foreclosure and increase of my mortgage principle is terrifying. You can not get anywhere, I was left with no choice but to pay the amount in dispute that I have already paid, since they threated placing a lean on my property. It is not fair, the reviews of this company are terrible, I am at a loss of what to do.
Consumer complaint received 2019-09-26
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: TD BANK US HOLDING COMPANY (FL)

I was impacted by Hurricane Dorian in XX/XX/2019. The Governor of Florida declared my county, XXXX County, Florida under the State of Emergency order. In addition, the USPS suspended delivery of mail to my zip code, XXXX. Based on the foregoing, I did not receive my XX/XX/2019 statement from Target. I attempted to resolve this with Target but they are denying I was impacted by the storm. 

Because I did not receive my statement, I did not know I owed money to Target ( my payment due date was XX/XX/19 ). I only  learned that I was late when my credit reporting service alerted me on XX/XX/19 that Target made a negative reporting on my credit card. I immediately paid the balance due on XX/XX/19 ( {$10.00} ). 

I then called Target to dispute this matter and Target rejected my dispute and argued with me that I was not impacted by Hurricane Dorian. I had a wonderful payment history with Target up until this event and I am disputing their handling of this matter. It is clear that I was impacted by Hurricane Dorian and mail delivery was suspended in my area. I did not receive my XX/XX/2019 statement and was late with payment as a result.
Consumer complaint received 2020-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Scott Fetzer Financial Group Inc. (NJ)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid. A fair resolution to this issue would be complete deletion of this trade mark being reported to all major credit reporting agencies. Thank you for your assistance
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am a victim of identity theft. Therefore I put a fraud alert on my credit. Every since Ive done it I have been getting denied for credit due to not being able to verify my identity. I applied for a company called XXXX they denied me for that reason after I answered 10 questions completely correct. I offered to send check stubs my social and my ID. They said that I am still a credit risk. The same with XXXX XXXX and XXXX XXXX XXXX. Also I filed a XXXX XXXX XXXX compliant and they did nothing about it. Im having the same issue with Bank of America they sent me a letter saying that they would remove things that arent mine and that theyre not going to hold me responsible but they wont remove the information from they system for me to open an account. XXXX XXXX, XXXX and XXXX too.
Consumer complaint received 2020-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

Citibank has left me completely speechless. About a month ago I noticed a charge on my account that I never purchased. I went ahead and contacted citi which they later credited my account for the amount. The merchant has provided them with false proof that I purchased whatever they were selling and citi closed the dispute. How do you close a dispute without hearing from me next? Seems like they took the side of the fraudulent website. I did my own research and found out this website XXXX has history of scamming people. Its unfair that these kind of people get away with scamming people. Unlike chase bank, citi makes you feel helpless. They do not offer great support for clients and now I just feel robbed.
Consumer complaint received 2018-05-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc. (ME)

Company : Blackhawk Network ( XXXX ) XX/XX/XXXX : XXXX   Prepaid Card purchased at local XXXX 's XXXX XXXX and activated on site, given as XXXX gift XX/XX/XXXX : Gift recipient attempted to use card an was declined. 
XX/XX/XXXX : BH Network contacted by phone to dispute 2 fraudulent charges on the Gift Card XX/XX/XXXX : BH Network requested additional documentation ( Activation receipt, card, credit card statement ) XX/XX/XXXX : Customer contact phone support to verify how to submit this information, delivered documentation by email to bhnetwork.com XX/XX/XXXX : Customer received 2 letters dated XX/XX/XXXX and XX/XX/XXXX stating the investigation had been closed due to lack of response/lack of documentation XX/XX/XXXX : Customer called BH Network to dispute the letter, Agent # XXXX attempted to assist, verified receipt of the required documents, but could not explain why the case had been closed XX/XX/XXXX :  Supervisor # XXXX ( XXXX ) agreed to attempt to reopen the case, all documents resent to XXXX bhnetwork.com
Consumer complaint received 2021-04-18
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: EQUIFAX, INC. (NC)

I recently sent a dispute letter toXXXX, Equifax and XXXX  on XX/XX/2021, now it's XX/XX/XXXX and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC (TX)

These collection agencies are reporting debt with changed starting dates. Two debts sold to these companies and they changed the dates of the debt from being several years old to just months old. They are cheating and lying by entering incorrect debt starting dates.
Consumer complaint received 2020-02-24
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Capital Solutions, LLC (AR)

I had first heard from this company around XX/XX/XXXX. I had not prior heard from anyone else concerning student loans. They turned me into the Department of Treasury for Federal offset student loans that were non federal but on a Federal promissory note. I had asked them several times over the course of XXXX to show me how i owe federal student loans or any loans they just kept sending a statement and this promissory note. As you look at the promissory note there is many questions as it appears information was just transposed on a Federal form to deceive the Department of treasury. I was withdrawn from XXXX University XX/XX/XXXX yet they have May loans listed starting XX/XX/XXXX. This whole situation is an absolute mess why did they wait 10 years to start this any private loan which I did not receive would be out of the statute of limitations so is that why information was then transposed to a Federal form. If you look at the information on the form there is nothing federal about it XXXX XXXX  is a private entity as was XXXX XXXX I just want some answers and the truth told to the Department of Treasury who did in fact take my taxes based on false information.
Consumer complaint received 2016-02-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: RevMD Partners, LLC. (CA)

Rev MD Partners is continuing to send me a bill for {$1700.00}, that I have paid. Rev MD sold this bill to XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX United States. I have already reported this to the CFPB case number XXXX. I have told Rev MD Partners that this has been paid and they continue to send me a bill and call me. The contact info for Rev MD Partners XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone XXXX
Consumer complaint received 2017-01-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

i tried to draw XXXX dollars from it after inwithdrew XXXX dollars drawer closed and i was shorted XXXX dollars after i appealed they still have not settled the problem and do not eve n bother to contact me and let me know about the outcome of their investigationi have had a large amount of money in checking and saving and at the point of withdrawing my complete accounty and transfering to another trustworthy bank please havethe courtesy to give me a call
Consumer complaint received 2016-11-12
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

In XX/XX/2016 I applied for a Mortgage with Fifth Third Bank. XXXX was my mortgage representative. She ran my credit and saw my score was on the verge of a denial she thought and then said, I should bring it up a few points. After that she still submitted my Mortgage application. Apparently, I was approved for a possible Mortgage if I would of submitted the paperwork the underwriters were asking for. I have documentation in the form of Postal Mail from the 5/3 mortgage center asking for information. I am attaching a Email asking XXXX where should I send these papers, to her or to the address on the mail. She replied " we are waiting and just wait for a denial letter '' is your score over 600? 
I waited and the property I wanted went up for sheriff sale. 
I asked to reapply and XXXX told me that my students loans were too high. Since I had a {$0.00} payment she had to figure out what I pay normally. She came back with a figure of {$400.00} a month on one loan, and {$700.00} on another loan. My student loans are {$19000.00} and 1 % is the average for student loans a month. So I am attaching a email where XXXX stated " FHA '' figures this differently. 
Now, I am at the office of the president asking for help from 5/3 bank. Well I am told that 5/3 wont buy " Sheriff Sale '' property. 
I asked my local 5/3 bank manager and she stated they have plenty of times bought " Distressed Properties '' from other banks. 
I feel that I was discriminated against because of the conversations with XXXX. She made it clear after I called the Office of the President that I got another department involved and there is not much she can do. 
Then after numerous attempts to contact the office of the president, they finally blew me off and decided that I was not worth dealing with. 
I am attaching a small portion of the evidence I have.
Consumer complaint received 2020-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge 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. (LA)

We were out of town for my grand baby funeral about a week later.I turn on my answer machine.I heard a message from Citi Sears Shop Your Way Master Card they stating that my card was used possible fraud Charges. I called them back to let them know it wasn't me and I didn't authorize nobody to use my card.The balance is {$1000.00}. I kept calling them to reopen the claim they gave me a fax number.I faxed them twice I still didn't hear nothin from them.I called Citi Sears Shop Your Way Master Card yesterday XX/XX/XXXX to ask her what date this all took place on she said she didn't see a date to give me. I would say some where around XX/XX/XXXX.I made a payment XX/XX/XXXX for {$28.00} I made another payment in XX/XX/XXXX for {$34.00} I couldn't understand why the payment went up.She told me the case is still being processed, I said why I am paying on fraud charges that's not process yet she said Iam not surppose to be paying nothing. I get a bill every month with fraud charges on it, the bill never been adjusted.and nobody letting me know what's going on.I had a XXXX  balance before all of this happen.Thanks in advance.
Consumer complaint received 2020-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

My employer provides a benefit which pay $ XXXX/month towards student loan debt for 5 years ( a total of {$10000.00} over the 5 years ). This {$100.00} is sent electronically to my account every month, but not always on the same day. I have contact Navient multiple times asking how I can direct this payment to be allocated to the principal on my loans ONLY, and have gotten different answers each time. Prior to receiving the benefit, I was told it was possible to direct this over payment to go straight to the principal on my loans, but after starting to receive the benefit I have been told this is not possible. So far, I have been making an extra {$100.00} payment to my account since XX/XX/2019, and all of it has been applied straight to interest. Navient has been incredibly unhelpful in helping me address this situation, and meanwhile I am wasting money on making payments on interest instead of towards lowering my overall principle.
Consumer complaint received 2020-02-24
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)

This is resubmitted based off the results of my last two previous attempts to correct this issue. My last two complain submissions were : XXXX and XXXX. 
I am resubmitting this because on my complaint, at the end of the process I was asked if the issue was resolved, I said " no '', then the case was closed. This didn't make sense. 
Now I am submitting more documentation and a better detailing of my issues because the last time apparently wasn't good enough. 
Back in XXXX ( while in the military ) I started making monthly payments of {$53.00} with a Basic pay of {$1000.00}. 
In XXXX my Basic pay went up by {$72.00} and my monthly payment went up to $ XXXX/m. 
In XXXX my Basic pay went up by {$83.00} and my monthly payment went up to $ XXXX/m. 
In XXXX my Basic pay went up by {$29.00} and my monthly payment stayed at XXXX/m. 
In XXXX my Basic pay went up by {$240.00} and my monthly payment went up to $ XXXX/m. My Basic Pay was {$1200.00} and now its {$1500.00}. My income did not double but how is my monthly payment almost doubling what I was paying the year before. This doesn't make sense. I had submitted the same complain back in XX/XX/XXXX-XX/XX/XXXX and myfedloan readjusted my loan amount fairly back down to a reasonable amount. Now, in my last complaint, myfedloan only readjusted my loan amount by about {$4.00}.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

XXXX XXXX has reported me as late 3 times on my Auto Lease account. Once in XX/XX/XXXX, again in XX/XX/XXXX, and in XX/XX/XXXX. I have never been 30 days late on this account as reported on my credit bureau reports. I have asked XXXX XXXX for proof of these late payments and have never received bank statements or any other documentation showing that I was late on these payments. I have not received anything.
Consumer complaint received 2021-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

I have had an account on my credit report from Jefferson Capital Systems for a significant amount of time. Ive sent several letters to this company attempting to resolve this. I finally received a letter in XXXX saying they were ceasing collection of this item and it would be removed from my credit report. As of today, XX/XX/2021, it remains on my credit report. I attempted to call Jefferson Capital, only for them to assure me that it has been removed, but it has not.
Consumer complaint received 2021-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently sent a dispute letter toTransUnion, XXXX  and XXXX  on XX/XX/2021, now it's XX/XX/XXXX and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Consumer complaint received 2023-03-23
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-02-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX refused to permanently remove late payments shown for three XXXX XXXX loans that I took out in XX/XX/XXXX for each of my XXXX sons. The first basis for my request for removal of one loan showing in collections and all showing several months late -- severely damaging my credit -- was that I have several private student loans being serviced by XXXX. I am currently a XXXX XXXX. When XXXX advised that my " private loans '' were in repayment, and I began a payment plan, I reasonably understood that ALL student loans that were supposedly due were included in the repayment plan. Secondly, XXXX insists that the loans were not for my children despite that my children 's names are on the loan documents as the benefactors of the loans. Third, I argued that the negative entries had to be removed, as a matter of federal law, because I was never notified that the XXXX XXXX loans were in arrears. Finally, I filed Bankruptcy in XX/XX/XXXX in the XXXX District of Oklahoma. Many Circuits, including the XXXX Circuit wherein the XXXX District of Oklahoma sits, recognize that XXXX XXXX loans are commercial loans and not student loans that are exempted from Chapter XXXX bankruptcy. My last conversation with XXXX  evinced their attempt to conceal that they were collecting on the XXXX XXXX loan because the agent referred to the loans by either loan number or another acronym -- never calling the loans XXXX XXXX loans. My dispute with the credit bureau resulted in XXXX removing from my credit report the XXXX XXXX loan that is supposedly 18 months or more in arrears and in collections. Within a month of that retraction, XXXX and the credit bureaus added the loan that was in collection back on my report -- -reflecting me being {$7000.00} past due. 

My primary issue is with XXXX. However, that the credit bureaus allow me ( and others ) to initiate a dispute only to resolve said dispute by taking the furnishers ' " verification '' at face value without providing me a copy of the certification furnished denies my right to due process and to further challenge the issue. I would like for the CFPB to ( 1 ) intervene in the investigation into this particularly nuanced case regarding XXXX XXXX Loans i.e. loans taken for a third party and ( 2 ) initiate an action aimed at requiring credit bureaus to make their dispute process transparent and provide the person making the dispute with a copy of the documents upon which the Bureau relied to confirm or modify the information furnished BEFORE such action is taken