davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-14
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: Experian Information Solutions Inc. (CA)

I have contacted experience about removing everything off my credit theres even some thing with XXXX  XXXX XXXX and XXXX XXXX that have been paid off nothing has been resolved I need this taken care of as soon as possible
Consumer complaint received 2019-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (SC)

Diversified consultants continues to report an inaccurate debt, despite numerous letters requesting the validity of the paid off amount. Instead Diversified consultants continues to send me a bill from the orginal creditor ( sprint ) that has an amount due, but never shows how the amount is accumulated, because it is inaccurate. Not only was this account paid off by me but I transferred liability of the account to the person who still has it as of today.
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

Credit reporting unassociated names and addresses that I have never lived at. Bank accounts missing payment history of which is crucial to the credit reporting itself and the reporting agencies will not correct the problem.
Consumer complaint received 2022-08-28
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. (TX)

TRANSUNION has reported incorrect information to my credit file and refuses unlawfully to remove it. XXXX  XXXX credit card services incorrectly charged me a late fee and added missed payment to my file. on XX/XX/2022 XXXX XXXX caught mistake and issued XXXX late payment reversal credit to my account ending in XXXX, also removed late payment from file. After reporting this to TRANSUNION and providing proof they still have refused removal.
Consumer complaint received 2019-09-29
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CHARLES SCHWAB CORPORATION, THE (NY)

Much like the majority of complainant 's filing their concerns against Charles Schwab bank ; via XXXX XXXX XXXX, Consumer Financial Protection Bureau, Federal Trade Commission, XXXX, Securities and Exchange Commission and The Office of the Comptroller of the Currency, Charles Schwab has not only frozen my cash, but they refuse to send my money back to me. Charles Schwab defrauds its customers, just like the front page of the XXXX XXXX XXXX  warns. Government action continues to be taken against Charles Schwab, due to their constant deception towards the very customers they supposedly service. My account number is XXXX. For anyone at the XXXX, you can verify the account with the routing number, and you'll see the funds there for yourself. Charles Schwab will be sure to remove any fees they have added to my account without my knowledge. The fraudulent organization known as Charles Schwab locked me out of the online access portal, so they can continue to charge me fees and retain MY cash fraudulently. Also, Schwab is embezzleing funds in my account issued by the government for veterans XXXX benefits. It is illegal for Schwab to not only embezzle money from consumers, but defraud the federal government and embezzle funds intended for XXXX veterans. I served in XXXX after XX/XX/2001 and this is how I am repaid as a XXXX veteran. Schwab is an economic XXXX and needs to discontinue embezzling the life savings of its customers. 

Incoming routing # XXXX Outgoing routing # XXXX
Consumer complaint received 2019-11-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CO)

I have CITI credit card. The statement due on XXXX XXXX had a balance due of {$54.00}. 23 days prior to the due date I returned an item and received a credit for {$35.00}. 
that would leave a balance due of {$18.00}, which I paid in full on XXXX XXXX. 
The problem is the the computer showed a " MINIMUM PAYMENT DUE '' of {$25.00}. That is more than I owed. 
So, they started with the pre-recorded messages about this " UNDER PAYMENT '' problem. 
I responded and spoke to several support level people. One of whom was the Arizona call center manager. When I asked why I was being asked to pay more than I owed?, the response was robotically repeated, over and over ... ... '' You didn't pay the minimum payment due. " ... ..for each person I spoke with ... .the SAME!!! 
Now they are sending the opening message again and again ... .again. 
I would like to settle this, if I could only speak with someone who could at least entertain the possibility that the {$25.00} figure could even possibly, maybe be WRONG. 
CITI is still asking for the {$6.00} to meet the " MINIMUM '' and they are tacking on more FEES. 
HELP!
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I contacted the debtor on XX/XX/2019 requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit report agencies are reporting the inaccurate information to future creditors. This is causing injury to my personal as I am not able to acquire new credit base on these false invalidated claims.
Consumer complaint received 2021-08-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

On XX/XX/1920 transactions cleared my account. USAA has a history and multiple complaints from myself about reordering the charges to bounce items they can charge NSF fees for. Even though the account remained positive that day, they said the available balance was low because of pending items and chose to bounce a {$58.00} check and ACH bill payment instead of any of the 18 other items they could not charge NSF fees on b/c they were debit. They easily could have declined any of the other 18 charges or said any of the other 18 caused the low balance, but instead bounced a check which causes long lasting problems for me. I implore you to look into the repeated complaints of USAA reordering items to maximize their fees as it unfairly causes financial strain and unjustified accusations of non-sufficient funds when I had the funds in my account that day to pay for my son 's school fees.
Consumer complaint received 2019-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

On XX/XX/2019, I requested the collection agency, DIVERSIFIED CONSULTANT INC, located at XXXX XXXX XXXX XXXX, XXXX, XXXX, to validate my debt under the Fair Debt Collection Practices Act and have asked to provide the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say i owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : I have advised them if their company fails to respond to this validation request within 30 days from the date of reception, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX, and XXXX  } request shall be sent to me immediately. 

I have given them 30 days to remedy the situation, which is a very reasonable period. And I have received no reply from them, though I did receive a confirmation via certified mail that they have received my letter on XX/XX/2019 usps tracking:XXXX Those actions do not meet the Federal Trade Commissions guidelines that demand collections agency to properly validate the debt upon request. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item.

I have advised them that reporting this account on my credit report, now put them in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect by filing a claim in small claims court.
Consumer complaint received 2018-03-27
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (OH)

I check XXXX XXXX couple times a month but when I look this time. I noticed a credit card from XXXX XXXX   ( Store card ). I called best buy to tell them I didnt open this card and its not mine. They couldnt find anything in my name about the card. I looked on my credit report to XXXX XXXX and its not there as of XX/XX/XXXX, XXXX same thing, it doesnt show up. But on XXXX its there, CBNA Account # XXXX..Opened onXX/XX/XXXX, Balance is {$1000.00} and limit is {$4000.00}. But the crazy thing is whoever has it is making payments on it and its not late.. Can you help me?? 

If you need to get in touch with me please call XXXX or email at XXXX Sincerely, XXXX XXXX
Consumer complaint received 2021-04-13
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

The online account system keeps deleting my home phone number. It concerns me that someone is removing information from my account without my authorization. I have emails from Synchrony Bank each time I have put my home number in confirming the change. I have no emails that it is removed but when I log in a few days later my home number is gone. My concern is there may be an issue their account security system or a rouge internal synchrony employee is going in to my account and making these changes. Either way it is a great concern. The emails from Synchrony Bank are XX/XX/2021 and XX/XX/2021 ; XX/XX/2021.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : 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 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 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 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-09-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (PA)

We are in the process of purchasing a home and using PNC Bank for our mortgage. We are supposed to close on XX/XX/XXXX however, on XX/XX/XXXX, we received an email from the mortgage loan officer stating there is likely going to be a delay in our closing. This delay is the result of PNC requiring a 2nd appraisal because the home is a " flipped '' property. This information was not disclosed when initially applying for the loan, nor was it addressed until the first appraisal came in ( at agreed up sale price ). While FHA loans require this additional step, conventional loans do not have any " anti-flip policy. '' Not only are we finding out 2 weeks before we are supposed to close that we must have this 2nd appraisal, we are also being told we must pay for the appraisal ourselves. For FHA loans, the buyer can not be the one to pay for the 2nd appraisal ; it must either be the lender or the seller. Furthermore, had we utilized a different lender, we would NOT have been required to perform a 2nd appraisal ( this was confirmed through our realtor who discussed it with one of their commonly used lenders ). Given that the rule is " the lender is responsible for ensuring that the subject property provides adequate collateral for the mortgage. XXXX XXXX requires that the lender obtain a signed and complete appraisal report that accurately reflects the market value, condition, and marketability of the property, '' we are requesting that the lender be responsible for the payment of this lender-specific 2nd appraisal. If they would have disclosed this information at the beginning of our process, we would have been able to move on to a different lender. However, now that our credit scores have already been pulled, and we are two weeks out from our closing, we are stuck in this situation. Despite providing information to PNC in regards to the responsibility of this 2nd appraisal cost, our mortgage lender has made it clear they will not cover this expense and we will be required to pay for the subsequent, lender-specific, appraisal.
Consumer complaint received 2019-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AL)

I was hoping to qualify for the PSLF. I have worked for the same qualifying employer for 13 years. This year, I made my 120th consecutive on-time payment this year ( the requirement for the program ). However, I just received the letter saying I still have seven more years to pay because I consolidated the loans in 2015 ( as I was advised ). After calling and talking to many customer service representatives, nothing can be done in my case ( other than pay for seven more years and then be reconsidered ). I did my part and paid my 120 on-time payments. I had no idea consolidation would affect this, or I never would have consolidated.
Consumer complaint received 2021-08-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NC)

Money transfer initiated on XX/XX/2021 To this day, money has not been credited to the beneficiary 's account In desperation, I requested a " recall '' of the monies - around the end of month in XXXX, XXXX  To this day, the money has not been credited back to my account Case Number : XXXX XXXX XXXX XXXX Number - XXXX
Consumer complaint received 2019-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C. (MO)

In XXXX of XXXX, our home was broken into while we were away and numerous items were taken including our checkbook. On XX/XX/XXXX, a check was written from our checkbook to XXXX XXXX for {$500.00}. ( Interesting how the thief waited 4 months to use one of our checks. ) XXXX XXXX accepted the check even though we had closed the account within 24 hours after the robbery in XXXX. XXXX XXXX XXXX apparently " purchased '' bad debts from XXXX XXXX and then hired Trident Asset Management, LLC to  collect the balance due of {$520.00} which included a {$25.00} returned check fee. For the last 4 1/2 years, we have gotten phone calls and letters from Trident Asset Management to collect this debt. It has affected my credit report. Finally, after being worn down by Trident and desiring my credit report to be corrected, I go to their website after receiving a letter that they would settle for {$260.00}. Getting tired of their nonsense and wanting it off my credit report, I follow the instructions in the letter and go to their website. I click " Make a Payment ''. I enter the Trident Account # as indicated on the letter. I enter the last 4 digits of my SS #. I get a message " Account Not Found ''. What a joke this company must be. Not only do I not trust them, but I now intend to go whatever lengths it takes to get justice in this matter other than paying them a dime just to get it off my report.
Consumer complaint received 2019-01-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

To whom it may concern : I have been trying to save my home and to get approved for loan modification since XX/XX/XXXX. Originally I was dealing with Nationstar mortgage ( servicer ) who approved me for HAMP with a payment of {$2400.00} Payment for a trial period on XX/XX/XXXX. They then did not honor this approval. I have had a HAMP underwriter review my application, income etc, and was told that I should be approved. I also dealt with HAMP Admin when HAMP was still available. I have been getting the runaround since. Applied multiple times after being told by Nationstar and Mr. Cooper that they were willing to work with me and based on the income, that I should receive a modification. After numerous attempts of failed communication, false promises, and Servicer delays, I was forced to file bankruptcy in XX/XX/XXXX. 

While in bankruptcy court, the current lender Mr. Cooper 's attorney and a representative from Mr. Cooper spoke to me and told me that Mr. Cooper will be willing to work with me on loan modification once again. I since went to court had asked the judge to cancel the bankruptcy after I had already met with trustee and creditors and planned on moving forward with the bankruptcy, due to Mr. Cooper representative and their attorney stating that they would work with me. Once they the bankruptcy court canceled my bankruptcy, Mr. Cooper changed their position and stated that they will not even look at a modification application on multiple occasions. 

Their attorney only extends the sale for 30 days each time which causes Mr. Cooper to continually deny accepting my packages saying they do not have enough time to review the loan modification package. 

I, my wife, and my son are all now working and can afford to pay a reasonable payment, however, Mr. Cooper refuses to honor what they have stated. I am at my wit 's end and do not know what else to do to. I do not want my wife and I and my XXXX children to lose our home. We greatly appreciate all your help!
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2019-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NY)

After being in default for several years, DUE TO THE FACT THAT BANK WAS INSISTING THAT I PAY FRAUDULENT CHARGES, I had no choice but to reinstate my loan in order to save my home. 

However, the reinstatement quote included unsubstantiated and undocumented legal and other fees, and I suspect escrow inaccuracies. 

I have documentation ( attached ) to prove previous fraudulent billing for legal expenses and fees that were not incurred, however when I request the servicer to provide substantiation of amounts they are trying to bill me, they try to hide behind " attorney-client privilege '', which should not apply if I am the one being asked to pay for it, especially since I have evidence of fraudulent billing from the beginning of the foreclosure process.
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Credit reporting unassociated names and addresses that I have never lived at. Bank accounts missing payment history of which is crucial to the credit reporting itself and the reporting agencies will not correct the problem.
Consumer complaint received 2019-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi I have hard inquires on my report I did not recognize First is from XXXX XXXX Ohio made XX/XX/XXXX. I didnt make this inquire Ive research the company and did not use there service. 

The next is : XXXX XXXX XXXX XXXX Delaware XXXX from XX/XX/XXXX The next is from XXXX/ XXXX XXXX XXXX Florida XXXX
Consumer complaint received 2019-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc. (NC)

Client Services is reporting negative information on my credit reports. They claim I owe {$1300.00}. I have asked for validation bearing my signature and they have failed to provide this information numerous times. This is the collection company that XXXX XXXX sold the account to. 

I also noticed that Client Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX is violating North Carolina state licensing requirements. ( I've attached a copy showing that their license was surrendered. I am asking for this account to be removed from my credit files immediately.