davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am getting calls to me and my family from XXXX XXXX XXXX. They have threatened me with arrest over an old debt. I told them to send proof of debt and to stop calling. The said they couldnt do that but they would have me arrested. Their number is XXXX but they will not give you an address and you cant get one online.
Consumer complaint received 2019-07-09
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: Experian Information Solutions Inc. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2019-07-09
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. (GA)

I've been looking for help for some time now with some accounts on my credit that I don't know anything about. I have reached out to the FTC and my local police department and I am doing this on my own behalf. It's sad that I can't even get approved for a house because of this. Again can you have these accounts removed and the inquires that I know nothing about. I have not ran my credit in a long time. inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX Here is the accounts : Bankruptcy : Dismissed XXXX ( I don't understand how someone can file a bankruptcy. I've spoke with the Bankruptcy Court and they told me there is not a bankruptcy in the courts under my social security number ), XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I don't know if you can help with my these address I know nothing about. 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3.XXXX XXXX XXXX 4. XXXX XXXX XXXX 5.XXXX  XXXX XXXX
Consumer complaint received 2022-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX, and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX XXXX : {$19000.00} ; XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$5500.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$240000.00}
Consumer complaint received 2019-07-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (AZ)

Paypal credit offers a deferred interest option if paid in full. 
I used this option and made payments over min balance. 
No money was applied to deferred interest options! There are no instructions on my statement or the web portal or the agreement on HOW to make payments towards deferred interest options. 
When making payments on the webportal, there is no option to pay towards deferred payment. 
Any money over min balance was not applied to any promotional purchases. this is unethical as the interest that is deferred is being accrued and will dump!
Consumer complaint received 2019-07-09
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. ()

Hi All, I am writing this email in great distress and I am forced to include the global senior leadership in the email because of the attitude that Citi Bank XXXX carries towards its customers. The services are a complete shambles and I would not expect such type of services from a brand like Citi Group. 
To begin with, I received an SMS on my mobile number on XXXX XX/XX/2019 stating that a transaction of XXXX   XXXX has been processed on my account via XXXX. This transaction was not done by me so I immediately called Citi Bank and requested them to look into it. 
The lady on the phone raised a dispute and I was advised to raise a police complaint. I emphasized that I am presently travelling so it is not possible for me to visit the police station. Next, I requested her to escalate the call since I didnt get the help. I was told that she will not be able to transfer me to a manager. I informed the lady that she can not deny an escalation to the customer. This is when XXXX XXXX ( Emp ID XXXX ) came on call and the manager was again not a helping guy. He did raise a dispute with ID XXXX but he said he cant commit anything to me. On repeated request of escalating the call, there was no escalation. I was told I will get a call back by his senior manager. I did receive a call back on XXXX XX/XX/2019 at XXXX XXXX and I informed the escalation team that since I am in a meeting, they need to call me back in an hour. With a promise to call me back in an hour, the lady disconnected the call. I still havent received the call. I am not sure if this level of customer services is restricted to XXXX clients or if that is the global service level. 
Citi Bank allowed a transaction without an OTP and it further refused to help. I am sure that this mail is going in trash as well since you guys do not care about the customers and the issues. In this email, I am requesting you to address the issue, listen to the call recordings and take action. This is certainly the worst customer service team I ever dealt with. I ended up calling XXXX Support and the lady on the phone was much more helpful than the senior manager from Citi Bank. I was not given a resolution, I was denied escalation and I was not given the contact ID for XXXX Officer after repeated request. 
All this has caused a massive amount of mental agony and distress to me. I am also reporting this to Ombudsman since Citi Group fails to keep the commitments. 
For your reference, the credit card number is XXXX XXXX XXXX XXXX and my contact number is XXXX XXXX ( just in case someone decides to deal with the issue Thanks XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I read in the news that my current servicer, Navient, is being sued by the CFPB and that if I 've experienced anything negative during my experience with them that I should submit a complaint. 

I have three major complaints about Navient. The first is that I was not aware of the fact that all unpaid interest on my outstanding loans would be capitalized if I consolidated them with Navient. This means I 'm paying interest on top of interest and seems unfair. Secondly, I 've made attempts in the past to make additional payments beyond my minimum in order to pay down my loans more quickly. Doing so, however caused me to get booted from the income based repayment program I was on and gave me a budget crunch when my payment skyrocketed without notice. Lastly, every year when I have to recertify for my income based repayment I 'm not given any kind of notice or forewarning and I think this is also done intentionally to boot me off the income based repayment program. 

I have a fico score over XXXX and am paying 6.75 % on these loans which seems usurious. I hope the new president allows me to refinance at a lower rate and have the outstanding balance forgiven for me after 20 years instead of 25. Also, some action needs to be taken on making the forgiveness of student loan non taxable. Currently I will have to pay income tax on any debt forgiven after 20 years.
Consumer complaint received 2021-12-01
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: Experian Information Solutions Inc. (FL)

Back in XXXX I noticed All XXXX Credit Bureaus that Ive been a victim of identity theft. A fraud alert was requested at that time. As of now it seems as nothing was done. Its still multiple fraudulent accounts, address & inquiries on my files. 

The Following Address need to be removed 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX 3. XXXX XXXX XXXX Ct XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Following inquiries 1.XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XXXX XX/XX/XXXX 6 XXXX XXXX XX/XX/XXXX The following accounts are fraudulent, per FCRA XXXX. But for some reason they keep saying its been verified. How was is verified. Because Ive never done business with these companies, or entered into a written contract. So please tell me how are you verifying this. Ive sent multiple FTC reports. Per the Federal government thats what I was told to do. No one can over ride federal law. Please Block these fraudulent accounts from my credit file 1 XXXX XXXX Acct # XXXX 2. XXXX XXXX Acct # XXXX 3. XXXX XXXX Acct # XXXX 4. XXXX Acct # XXXX 5. XXXX XXXX  Acct # XXXX 6.XXXX acct # XXXX 7. XXXX Acct # XXXX 8. XXXX XXXX Acct # XXXX 9. XXXX XXXX XXXX Acct # XXXX
Consumer complaint received 2019-07-09
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. (GA)

XXXX ; Experian and XXXX are reporting incorrectly lates on the XXXX partial account numbers - XXXX ; XXXX and XXXX. ( Please see pages 20, 21 and 22 of the attached credit report. ) I consolidated these loans and was making my monthly payments. I was sent a notice saying that I was late on payments. The payments I was making did not get credited to the right accounts and consequently it caused the lates on my credit report. This accounting error was not my fault. I was told by a representative that they would correct their accounting error and remove the late payments. This has not happened. I have contacted the ( 3 ) bureaus to fix this inaccurate reporting which is harming my credit score. Please remove the lates from my credit report.
Consumer complaint received 2019-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX  ; XXXX  and Transunion are reporting incorrectly lates on the XXXX partial account numbers - XXXX ; XXXX and XXXX. ( Please see pages 20, 21 and 22 of the attached credit report. ) I consolidated these loans and was making my monthly payments. I was sent a notice saying that I was late on payments. The payments I was making did not get credited to the right accounts and consequently it caused the lates on my credit report. This accounting error was not my fault. I was told by a representative that they would correct their accounting error and remove the late payments. This has not happened. I have contacted the ( 3 ) bureaus to fix this inaccurate reporting which is harming my credit score. Please remove the lates from my credit report.
Consumer complaint received 2019-07-09
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: EQUIFAX, INC. (GA)

I've been looking for help for some time now with some accounts on my credit that I don't know anything about. I have reached out to the FTC and my local police department and I am doing this on my own behalf. It's sad that I can't even get approved for a house because of this. Again can you have these accounts removed and the inquires that I know nothing about. I have not ran my credit in a long time. inquiries : XXXX XXXX XXXX, XXXX XXXX GA, XXXX XXXX XXXX XXXX, MICROBILT Here is the accounts : Bankruptcy : Dismissed CH-XXXX ( I don't understand how someone can file a bankruptcy. I've spoke with the Bankruptcy Court and they told me there is not a bankruptcy in the courts under my social security number ), XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I don't know if you can help with my these address I know nothing about. 1. XXXX XXXX XXXX XXXX  2. XXXX XXXX  XXXX  3.XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-09
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (FL)

Cashing a check issued by a company through Wells Fargo has exposed a fraudulent practice by Wells Fargo. I was asked to provide 2 forms of ideas, my driver license and XXXX XXXX XXXX card was provided, then the teller asked me to place my thumb print on the check. I refused to do so, simply because my print is personal, I explained to her that finger print is no different than my DNA, and I don't have to provide it to you. She refused to cash my check, then asked for her manager to speak to me. Spoke to her manager ( XXXX XXXX XXXX /Service manager ) she also refuse to cash their check without my thumb print, then said " maybe you should go to your XXXX XXXX  XXXX to cash all your checks '' I perceived her commend as a total disrespect. I then spoke to the branch manager  ( XXXX XXXX ), once again I was refused to cash their check without thumb print. It is my understanding and through the Consumer finance web site, there is no law permitting any bank institution to demand any citizen to provide finger prints in order to cash a check. This would be a direct violation of my privacy right. I will pursue this issue all the way to our land 's supreme court if need be, and see it being correct to where no financial institution is permitted to demand citizens of this land to provide their finger prints just to cash a check.
Consumer complaint received 2019-07-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (LA)

On XX/XX/2019 they have received all the documents they need for the short sale review and they will only be able to make a decision on the account once the appraisal is completed. We have requested for callback from the POC but then the callback was made after XXXX EST. 

We have been checking for updates everyday and we only have found out on XX/XX/2019 that the appraisal has returned on XX/XX/2019 and up until now their is no new update.
Consumer complaint received 2019-07-09
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (VA)

This is another complaint with # XXXX. Please see the history by reviewing the initial complaint. However, I've been trying with patience to have the re-modification loan completed and to be reviewed by the underwriting team but I have run into several difficulties. The underwriting team seems to be very unorganized. They will asked for information and I will give them exactly what they ask for and then I will get a call stating they have not received the information. I then request the representative to look through the information and then the information is found. This happen on XX/XX/XXXX because I was told to re-submit the bank statements and the paystubs because 90 days had laps. As of now, PHH still states the underwriting team has not yet received the information that was sent on XX/XX/2019. Also, I requested for a payoff amount for the loan on this date as well. I have not received this information after being told an expedited request was being sent. Between Ocwen and PHH I don't know which is the worst company. I believe some type of intervention is needed. These two companies have not done a very good service for the home owners.
Consumer complaint received 2022-10-18
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. (CA)

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Consumer complaint received 2019-07-09
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. (GA)

Equifax ; XXXX and XXXX are reporting incorrectly lates on the XXXX partial account numbers - XXXX ; XXXX and XXXX. ( Please see pages 20, 21 and 22 of the attached credit report. ) I consolidated these loans and was making my monthly payments. I was sent a notice saying that I was late on payments. The payments I was making did not get credited to the right accounts and consequently it caused the lates on my credit report. This accounting error was not my fault. I was told by a representative that they would correct their accounting error and remove the late payments. This has not happened. I have contacted the ( 3 ) bureaus to fix this inaccurate reporting which is harming my credit score. Please remove the lates from my credit report.
Consumer complaint received 2019-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please know that I was not late on XXXX XXXX XXXX.. I wonder why Transunion report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be deleted from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-06
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I wrote a letter to Kohls, Capital One XXXX. Requesting to have my late history during a State of an Emergency XXXX removed is what the Federal Government put in place. I m not asking you to lie. I am asking you to oblige : Under the Credit Protections Under the Coronavirus CARES When Federal Law Prohibits Negative Credit Reporting The CARES Act, which was signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) Their response is they can not report inaccurate information.. My response back to them is providing them information regarding the Credit Protections Under the Coronavirus CARES.