davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (NC)

Citibank called me and told me I owed a late fee in XXXX because my payment on my sears improvement card went up.. so I paid it..I was told this would bring my account current.. NOW I get a call today saying my account is past due again and I owe them {$26.00} and once paid they would reverse the late fee of {$35.00} so I paid it over the phone again.. then I was told that NO that's not true by a supervisor, that they credit my balance,, but the payment was still short so I would continue to accrue late fees!!!? So the rep LIED when they said the extra payments I made were bringing the account current, they lied just to get me to pay something over the phone to help their goal for the day and would lie, cheat and steal, to do anything to get a XXXX senior on a limited income, to give them money! NOW I am told that the money I gave today will STILL not bring my account current.. again! they did this to my sister on a card she had with them and she got so disgusted, she stopped paying it. the Citibank XXXX  XXXX page if filled with similar complaints.. if you add up all their fraudulent fees they have charge people, I think you will find overwhelming evidence to fine them into a class action law suit.
Consumer complaint received 2019-04-25
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)

My name is not showing up correctly on the the credit report. I see multiple addresses on my credit report. My full date of birth is not reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX
Consumer complaint received 2015-06-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I filed an online dispute regarding a credit account that inaccurately altered my account from " pays as agrees '' to " included in bankruptcy '' even though a bankruptcy has not been filed. I contacted the creditor who agreed the account was supposed to be closed just due to inactivity on my account since it was not used for XXXX years but someone at their company entered the information incorrectly. They have sent notice to the XXXX creditors that the account should be changed to " pays as agreed '' but transunion continues to claim that they have not received the information and denied my dispute. The form of verification they used was merely to contact the creditor in question instead of using a XXXX source of verification to see if a bankruptcy was even recently filed. XXXX has received the updated information from the creditor and updated my report accordingly. XXXX and TransUnion have not. XXXX has also prompted another lender of mine to place my loan account on hold due to this ping of inaccurate information. They have had three weeks now. Any longer may result in me seeking legal action that will cost me more time and money. Why would a credit company just call the lender when the consumer is disputing information provided by said lender. That 's like asking a liar if they are lying.
Consumer complaint received 2018-05-22
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. (AL)

I have requested that my credit report be frozen by all three credit bureaus and Experian has been the most uncooperative with these request. I have contacted them by certified mail from XX/XX/XXXX through XX/XX/XXXX with all the necessary information enclosed in the letters. My credit report still was not frozen. Their incompliant behavior has allowed more unauthorized inquiries and illegal information to crowd my credit report.
Consumer complaint received 2024-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY (NJ)

Back in XXXX of 2020 when the pandemic had me out of work for almost a year and half, I missed one payment with Nordstrom credit card services, and it was reported during that time. I need help getting that missed payment removed from my credit report. This pandemic has beaten me down financially I have no savings at this point Im trying my best to correct my financial status and my credit is vital in that aspect. I would really appreciate some help with this issue. My payments have always been on time besides this one unfortunate issue. Ive still remained a loyal customer to this retailer despite all that has occurred.
Consumer complaint received 2018-08-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: EdFinancial Services (PA)

I attended the University XXXX XXXX and opened a loan from EDFINANCIAL to pay part of my school bill at the time on XX/XX/2015 and right now its at its wort payment status with a balance of {$6700.00} and it is affecting my credit i need it off of my account before things get worse
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I just got my report and I think it's wrong! I was told I have a right to have an investigation done. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything about my credit report is correct. 
Please provide me with the following items : *Pay off disclosure *Interest Rate Disclosure *Balance History *Payment History *Credit Insurance XXXX XXXX XXXX XXXX Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - Account XXXX FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - Account Number:XXXX In compliance with 15 U.S. Code 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX XXXX - Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX  - Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX - Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX - Account Number:XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE!
Consumer complaint received 2022-07-25
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. (IL)

Department of EDXXXX violated the United States Code Law. As detailed in 15 U.S. Code 1666b, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

In XX/XX/XXXX, I received notification that my credit report had XXXX late payments reported from the Department of EDXXXX XXXX This was the first time I was aware of payment being required as the Department of EDXXXX never sent me communications via email, postal mail service, or via telephone that payments were due on the account. When I soon got notice of the account, I began making payments on all XXXX student loan accounts immediately. I continued payment on all accounts and in XX/XX/XXXX I paid off all accounts successfully. I submitted hardship letters to the Department of EDXXXX requesting they grant me a Goodwill Request as the XXXX late payments hindered and continue to hinder my approval to buy a new home, and from being approved for new lines of credit. This has caused me to face many hardships. 

The Department of EDXXXX  has continuously refused to not respond to my letters and has violated my rights as a consumer. 

Please consider this request.
Consumer complaint received 2022-03-09
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. (NJ)

In accordance with the fair credit reporting act XXXX account # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # 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 2022-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rausch Sturm LLP (OK)

I take XXXX XXXX XXXX XXXXXXXX to court to lower a garnish in court the judge secretary hand me a paper was sent to them say garnishment stop and paid in full it's was 3yrs ago and they sold my bad debt to different collections agencies Rausch Sturm LLP debt collectors and that company sold was form XXXX the amount own XXXX
Consumer complaint received 2019-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CO)

My mortgage servicer, Freedom Mortgage, is continuing to charge me monthly private mortgage insurance even though I have met the requirements for PMI cancellation and have requested cancellation numerous times. 

It has been more than 30 days since I requested PMI cancellation. Freedom Mortgage tells me I need to get a broker 's price opinion. I submitted the required paperwork and fee for the BPO. Freedom Mortgage cashed my check for the fee but has refused to schedule the BPO. I have phoned them numerous times in an attempt to resolve this issue.
Consumer complaint received 2020-12-16
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: The Bureaus, Inc. (WA)

On XXXX XXXX, 2020, THE BUREAUS add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA THE BUREAUS has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2022-03-09
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. (CA)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the account completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-08
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2020-12-16
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: BARCLAYS BANK DELAWARE (FL)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX, on XX/XX/2019, XXXX XXXX XXXX XXXX and on XX/XX/2019, BARCLAYS BANK DELAWARE add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2018-08-16
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I bought a house that closed on XX/XX/XXXX - loan was with Wells Fargo Home Loans. On XX/XX/XXXX I received a letter stating that my closing documents were revised - not to worry because nothing would change in regards to the terms ( length of loan or monthly payment ). In my opinion it was extremely misleading. I contacted the number ( XX/XX/XXXX ) listed on the letter to inquire about the change. After escalation to the Executive Office, XXXX XXXX, contacted me on XX/XX/XXXX. It was at this time she stated a case would be opened in regards to my questions/concerns. My concerns were as follows. One - why were the documents revised without consulting me prior to the change? Two - what changes were actually made? Since XXXX wasn't willing to verbally disclose what changes were made I formally requested a copy of the Document that was revised. Unfortunately, as of XX/XX/XXXX she or her office hasn't complied with that request. I took matters in my own hands and went into a Wells Fargo Bank Location and voiced my frustration - a banker was able to help me with my request. As frustration mounted I tried to contact someone else within the organization - I was told XXXX was at the highest level and she would be dealing with my case. XXXX continues to with extensions in increments of 10 business days. Fast forward to XX/XX/XXXX - XXXX contacted me once again extending the resolution date to XX/XX/XXXX. I expressed my discomfort stating, " Wells Fargo had the obligation to have a resolution closed by XX/XX/XXXX according to Federal Regulations ''. She stated, " this is a very complicated matter that needs to be addressed by many departments ''. I requested to speak to her supervisor - was told she would relay the message ( no contact with that individual as of today XX/XX/XXXX. Wells Fargo contacted me on XX/XX/XXXX again extending the closure date to XX/XX/XXXX. I again asked to speak to a supervisor but was denied - told the message would be relayed. In my opinion 3 month should be plenty of time. In closing, it took 1.5 days for me to figure out for myself I was overcharged on multiple lines. I did express this to XXXX on many occasions. At some point enough is enough. Wells Fargo has took to the media stating that they were reborn again in XX/XX/XXXX - it's nothing but lies.
Consumer complaint received 2022-03-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (VA)

I spoke with my mortgage company Specialized Loan Services XX/XX/XXXX when i lost my job due to COVID. A month later my husband lost his job. And the mortgage company Specialized Loan Services offered us Forbearance. I asked them if we would have to pay it back in lump sum and they said no. They asked us to sent them a Financial packet and they would get back to us on the payment plan. 
I called them several times and they told me my application was being reviewed. They also said in XXXX, XXXX, XXXX that they were behind and would get back to me. I paid when I could. I called them a month ago and and asked about catching up on my mortgage they told me they could not help me because they put our home in foreclosure and it was with the lawyer. 

They have sent me no documentation regarding a foreclosure, payment plan... what was owed???? And will not take my payment in full of {$24000.00} ... the amount that was on the XXXX bill XXXX. They also say that they can not tell me the exact dollar amount of what I owe. They say there are legal fees ... and other fees ... but again can not confirm the amount I owe and will not take my {$24.00}, XXXX amount that was on my XX/XX/XXXX bill. I spoke with a Customer Service Rep on XX/XX/XXXX and the approximate amount they gave me was {$9000.00} more than the amount they quoted last night. But again they can not confirm a " re-instatement '' price. 

Is this legal... I'm thinking that Specialized Loan Services is pulling a scam. The entire issue sounds illegal. I know the mortgage companies were given monies from the government to cover any losses they incurred during Forbearance so why are they trying to make money off this situation. 
I look forward to hearing from your organization. 

Specialized Loan Services XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX Phone number XXXX Sincerely A very disappointed consumer
Consumer complaint received 2020-07-31
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report.
Consumer complaint received 2022-03-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

on XXXX a person was said to sell concert tickets, i asked for receipts to see if they were real. she used someone elses receipts and said that when i sent the money shed transfer the tickets over. i believed her we exchanged information and all, then the next day i see on XXXX XXXXhat the account was suspended and i asked her but she never said anything. it wasnt until i told her that i will make a complaint she made fun of me for scamming me and wont send me the money back. 
i called my bank and zelle but they said they will submit a claim but most likely wont get the money back.
Consumer complaint received 2020-12-16
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: TRUIST FINANCIAL CORPORATION (FL)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, XXXX, on XXXX XXXX, 2019, XXXX XXXX XXXX XXXX and on XXXX. XXXX, 2019, XXXX XXXX  XXXX  add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2019-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (CA)

I wanted to make CFPB aware of the practices of the XXXX store card offered through Sycrhony Bank. They add-on credit protection services with a letter to cancel within 90 days. I generally prefer not to associate with institutions that would add-on a service without consent and require an opt-out. This is a deceptive practice. I cancelled my card. I just want this on public record and if enough people complain hope that CFPB will look into Synchrony.