davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

We have been loyal Citibank XXXX XXXX XXXX cardholders for more than 10 years. My wife and I use the card almost daily, charge between {$1500.00} to more than {$5000.00} monthly and pay the entire balance off each month before it comes due. I called their alleged customer service department regarding fraudulent charges I identified, which were presumably reversed, I havent seen a new statement yet. 

When I asked to have the new credit card overnighted to me, I was told I didnt qualify and that I could expect it with XXXX to XXXX days. To make a long story as short as possible, I spent more than XXXX hours on the phone with multiple agents within and outside the U.S. I was never able to convince an agent my business was worth an overnight XXXX  delivery charge. 

I intend to cancel my card as soon as I use the mileage points I have accumulated with XXXX XXXX. I will promptly apply for an XXXX XXXX card to supplement our spending. I most assuredly do NOT recommend doing business with Citibank ( Citigroup , Inc. ) unless it is to purchase their stock which currently pays a conservative 3.78 % annual dividend.
Consumer complaint received 2024-03-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

.I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2022-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (GA)

We have banked with Suntrust for years. And NEVER had an issue. Not once. 
Ever since the merger to become Truist, its been a nightmare. 

To start, we check our bank account daily. And we noticed that our bank account was dropping significantly! Well, when we use our debit card, it automatically takes money out of our available balance. As it should. The next day, if the transaction is still showing pending, Truist then takes the money AGAIN. Now Im not Talking about paying pills- because that usually always takes a couple days to come out. But its day to day transactions that are getting taken out twice! Truist customer service has told us theres nothing they can do. And its a merchant problem not them. Which I find HIGHLY unlikely since we didnt have this problem until Truist took over. Im not talking small amounts either. Over the course of 4 months we are missing ATLEAST {$3000.00}. Probably more. They refuse to do anything about it.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-05
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. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-07-09
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: Nelson Cruz & Associates LLC (TN)

On XX/XX/XXXX I was called by a creditor Nelson Cruz and Associate they claimed I owed XXXX XXXX XXXX XXXX {$12000.00} from XXXX thru XXXX ... I never had a credit card with XXXX or applied for credit with them ... On XX/XX/XXXX I called XXXX XXXX XXXX XXXX and spoke in someone in customer service along Security and Fraud Dept. I gave them my personal info SS #, DOB, address and they did not have me in there records.. 
I called XXXX, XXXX  and XXXX I ordered my credit report and XXXX XXXX XXXXXXXX XXXX XXXX not on my credit report ... 
Nelson Cruz and Associate will not give me the bill from XXXX XXXX instead they want to settle for {$4000.00} over the phone, They continue to harass me with threats, arrest, lawsuit, vehicle repossession, wage garnishments ect.. 
Here are the name and phone.. 

Nelson Cruz and Associate XXXX XXXX XXXX. XXXX, Tx XXXX phone XXXX or XXXX 
XXXX XXXX XXXX
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX is allowing old accounts like XXXX XXXX report a closed account past due for 30 days I paid it off in full in XXXX there allowing XXXX XXXX and other accounts included in my bankruptcy to report Experian and XXXX and XXXX refuses to delete a name and addresses that does not belong to me I have already sent a letter with showing my id bank statement and ssc still have misinformation on reports I have a lot of accounts included in bankruptcy still reporting they are allowing inquiries on my credit that I have disputed like 40 inquiries and they still allow the inquiry to stay on all reports
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

XXXX XXXX is allowing old accounts like XXXX XXXX report a closed account past due for 30 days I paid it off in full in XXXX there allowing XXXX XXXX and other accounts included in my bankruptcy to report XXXX and XXXX and Equifax refuses to delete a name and addresses that does not belong to me I have already sent a letter with showing my id bank statement and ssc still have misinformation on reports I have a lot of accounts included in bankruptcy still reporting they are allowing inquiries on my credit that I have disputed like 40 inquiries and they still allow the inquiry to stay on all reports
Consumer complaint received 2022-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2022 I attempted a purchase for {$20.00}, at a local gas station, using my debit card. The attempted purchase was declined even though there was over {$4000.00} in the account. Later, that evening, I attempted to transfer {$200.00} from that account, into another checking account that I have at the same bank. I was told that the transfer could not be made because there was a " hard hold '' on the account. When I ask why there was a " hard hold '' on the account no one would tell me why. In closing, this is not the first time that a " hard hold '' has been placed on this account. To remove the last " hard hold '' i had to take, to the bank, legal documents, including a death certificate.
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NV)

I unlocked my credit to allow XXXX XXXX  access for a mortgage. With my credit open an unauthorized credit inquiry from Small Business Admin Oda was made on XXXX. I called the Small business division at the number listed on my credit and they advised me that it was an attempt by someone using my social security number and declined. I was given a case number # XXXX. I was told that this is an ongoing problem but in my case is definitely an attempt at identity theft.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MS)

On XX/XX/2022 I contacted Experian once again to have them remove the Fraud Alert and Extended Fraud Alert ( Confirmation # XXXX ). However, prior to getting a gent on the phone that automated thing they have in place that allows you to speak and get to a gent insisted on as I spoke REMOVE A FRAUD ALERT it insisted that I wanted a Fraud ALERT ADDED. Well I hung up and called back only to experience the same sickening situation. I finally got a gent on the phone and this was around XXXX XXXX she or he stated that it was done and that i would receive email confirmation and I did receive email confirmation that it was removed " SEE ATTACHMENT. However, around XXXX XXXX I received another email stating my dispute requested was open " SEE ATTACHED '' and I was confused but didn't think anything about it. Then this morning I wake up around XXXX XXXX and check my credit report and see the notifications within the Experian Account and it STATED I REQUESTED A FRAUD ALERT BE ADDED AND IT WAS ADDED! I THREW UP. I literallly got sick. I never asked these people to put this on my credit report and they have even stated they did this from some third party agency. I started a dispute to have inquiries removed from my credit report on XX/XX/2022 and since then they have been removed. However, this statement has been a constant battle to get removed and stay removed even after asking and it be removed only to be put back on without my consent.
Consumer complaint received 2022-05-05
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

In XXXX I refinanced my three properties with XXXXXXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Primary XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - Mother-in-law home XXXX XXXX XXXX Ter. XXXX XXXX, FL XXXX home The Mortgage officer informed me the only way they would do the loan is if they bundle the three properties under one mortgage and that the loan would have to be under my company name. 

Because my wife had XXXX and we were needing the funds we took a {$630000.00} across the three properties which at the time were worth {$1.00} XXXX It was supposed to be a temporary loan for 2-years and then they said I could refinance with a conventional mortgage afterward, but if I needed it for my family I would have to do this. 

In XXXX of that year, Mr. Cooper sent notice they were servicing the loan. 

The pandemic hit us like so many people and I reached out to request a forbearance or assistance from Mr. Cooper. They told me I needed to go BACK to XXXX who originated the loan. I spoke to the individual and they said they would put through the forbearance. 

in XXXX of XXXX, I received notice XXXX XXXX  was beginning Foreclosure on the properties. When I contacted them, they stated XXXX did not place the forbearance at all and because the loan is against the three properties I wouldn't be eligible. 

Unluckily the pandemic slowed everything down as I franticly looked for a solution. 

I was eligible at the time for refinance but was told that I couldn't because 1, The properties couldn't be separated 2. The Lis Pendandt needed to be released by the lender to do so. 

I attempted to sell one of the properties but I couldn't separate the properties After speaking to XXXX again to assist me, they refused and said the case was transferred to Mr. Cooper. When I called Mr. Cooper they stated they said they couldn't help me because they were just servicing the loan and I needed to speak to XXXX I was nervous to lose my property so I contacted Loan Lawyers in XXXX XXXX to help. 

They Began the process of giving me time to find a solution, but the issue with the list pendant is an issue. I also noticed the mortgage did not appear on my credit report which causes other issues with home lenders. 

I was finally able to attempt to secure a loan to payoff and start fresh with a private lender, but the gentlemen died of XXXX recently and I was unable to continue the issue Loan Lawyers had a few hearings and now there is a hearing on XX/XX/XXXX for judgment
Consumer complaint received 2022-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (FL)

In my attempt to assist me in rebuilding my credit, I acquired a Secured Credit card from DISCOVER. 
I gave them XXXX for my credit line and have used it since it opened some months ago. 

I recently made a XXXX Payment and my available credit showed- {$6.00} When I called the company they stated they are sending me an IRS form XXXX to review my income. 

This is a Secured Card using my own funds to charge against in order to build my credit Why they are suspending charging privileges contingent on my transcripts is beyond me.
Consumer complaint received 2022-05-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (CA)

I HAD STAKED {$400.00} 180 DAYS AGO, WHICH ONCE THOSE DAYS WERE UP I WOULD BE ABLE TO UNSTAKE AND WITHDRAWL. CRYPTO.COM REFUSES TO LET ME WITHDRAW MY COINS.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-05-05
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. (TX)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items. 


XXXX/XXXX  Account Number : XXXX XXXX/XXXX  Account Number : XXXX XXXX XXXX  Account Number XXXX XXXX
Consumer complaint received 2022-04-14
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

credit bureaus allowed an incorrect account to be REplaced back onto my credit profile. They allowed the company that was found to be inaccurate and was removed, now they have allowed the same inaccurate account to be replaced on my credit report from a so called " sold account '' to a different collection company. The item was found to be inaccurate and was removed. The new collection company, NEVER sent me any correspondence. They simply placed an inaccurate account on my profile without reaching me with mailed correspondence.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Higher Education Servicing Corporation, Inc. (CO)

Greetings, I am writing to lodge a formal complaint against Higher Education Servicing Corporation ( HESC ) for their persistent inaccuracies in reporting my XXXX  loan information to the credit bureaus. These inaccuracies have not only misrepresented my payment history but have also unfairly impacted my credit score.

HESC has reported my loan payments as late on multiple occasions. I have never missed a payment nor have I been late with my payments at any point during the tenure of my loan. The information being reported is not only wrong but appears fraudulent and completely inaccurate. This misreporting has caused significant and undue stress, as well as potential financial harm, due to the negative impact on my creditworthiness. 

I have attempted to resolve this issue directly with HESC on several occasions, providing them with ample evidence and requesting that they correct the information they are furnishing to the credit bureaus. Despite my efforts, the inaccuracies persist, and my credit report continues to reflect these erroneous late payments. 

Given the gravity of the situation and the potential for long-lasting negative impacts on my financial health, I am turning to the Consumer Financial Protection Bureau for assistance. 

I respectfully request that the CFPB investigate this matter to ensure that : 1. HESC corrects the inaccurate reporting of my payment history immediately.

2. HESC is held accountable for the mismanagement and incorrect furnishing of consumer credit information.

3. Measures are put in place to prevent future occurrences of this nature for myself and other consumers. 


I trust that the CFPB will take my complaint seriously and assist in rectifying this issue promptly. I look forward to your response and am hopeful for a resolution that corrects my credit report and restores my creditworthiness. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-07-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IL)

I attended XXXX University from XX/XX/XXXX-XX/XX/XXXX and graduated with a worthless bachelor degree that I have yet to use. As a matter of fact I had to return to college and pay out of pocket for a majority because my student loans were maxed out from XXXX University. This worthless degree cost close to seventy thousand dollars ( with interest ) and up until I returned to college to obtain my XXXX  I was not making anywhere near the amount that they wanted me to pay back for my loans. I barely had gas money let alone close to {$600.00} a month to pay back a loan for a degree that I can't even use. Any employer that I went to would laugh when I told them where I went to school and then proceeded to tell me that I was not qualified for the position. 

Now every month I receive a bill from Navient to repay my student loan. I am making {$300.00} a month payments and will be paying that for a good portion of the rest of my adult life. Apparently there was a law suit that I was not aware of charging XXXX with over charging students for worthless degrees. I have contacted the XXXX IA campus in the past to get nowhere. I even went to the campus to sell them back the books and they told me the books were worthless and that those books aren't even used in their curriculum. I was so proud of all the hard work that I had put into that degree only to get laughed at every time I applied for a job. Please do something about this fraudulent company who cares nothing about the students that have attended only about lining their own pockets. I am now $ XXXX in student loan debt. This reflects negatively every time I try to make a purchase. Its hard to get a credit card, buy a car, buy a house or even manage the finances with this much worthless debt hanging over my head.
Consumer complaint received 2022-05-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

Tried to file dispute with XXXX, XXXX and Equifax for incorrect payment history on XXXX account XXXX XXXX, their online system did not allow me to file dispute. I am within my rights pursuant to FCA to file dispute.
Consumer complaint received 2022-05-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Tried to file dispute with XXXX, TransUnion and XXXX for incorrect payment history on XXXX account XXXX XXXX, their online system did not allow me to file dispute. I am within my rights pursuant to FCA to file dispute.
Consumer complaint received 2017-09-07
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: ENCORE CAPITAL GROUP INC. (AZ)

A letter was sent to Midland Funding requesting verification of this debt. I asked for original signed contract and payment history. It has been well over 45 days and I have not received any response from this company.
Consumer complaint received 2022-05-05
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. (IL)

n accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Consumer complaint received 2019-07-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (AZ)

According to the National Consumer Assistance Plan,  credit reporting agencies are supposed to only report collection accounts that were created via a contract. I do not have a contract with the collections company that is trying to collect a debt from me. I mailed them the template collections letter that this website provides, and the section from the NCAP that specifically states that credit reporting agencies shall not allow collection furnishers to report debt that did not arise from a contract. Please refer to pages 11-12 of the NCAP because it corroborates the policy set in place that I am talking about. Thank you!
Consumer complaint received 2022-05-05
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.