davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-12
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. (MD)

In XXXX of XXXX, I reached out to XXXX via telephone to request paperwork to extend my deferment. I was told that I would receive it via email. It never came ( and I did check my Spam folder multiple times ). I reached out again XX/XX/XXXX and again was told they would send it via email - it never came. I called again in XX/XX/XXXX and the representative let me know that I could request the extension online. I immediately completed the request online and it was processed to be in effect retroactively. 

I am now in the process of purchasing a new home and discovered that only has my credit score taken a hit hit, but I have 6 late payments on my credit record. I've contacted XXXX multiple times in XXXX and XXXX and this will not assist me in clearing up my credit report. They have informed me that even though the deferment was applied retroactively, the payments are still considered late. This makes no sense as per the deferment there were no payments due. They are rude and extremely unhelpful on the phone. I am about to lose a lot of money and a custom built home because of this. As someone who has an excellent payment records on all my other accounts, this is extremely distressing to me and very unfair. I have filed a formal dispute with them, but based on my phone calls with them, I don't have high hopes that they will do the right thing and correct my report.
Consumer complaint received 2019-02-03
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. (MI)

Experian is reporting a account on my credit report that they have already verified and up dated my credit report as being included in my bankruptcy and discharged, now the are reporting this account which is XXXX XXXX XXXX as a negative account, this is a clear violation of the fair credit reporting act. Why are they changing my report with no explanation.
Consumer complaint received 2019-02-15
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. (PA)

Transunion Credit agency, for 3 months straight has downgraded my credit rating, by removing 3 times now my XXXX XXXX XXXX  accounts, each that I have had opened for 4 years now ... andf have always been on time and A rated credit, both carrying a {$0.00} balance and XXXX lines of credit accordingly, last month i disputed their removal of these accounts in good standing, now again they removed them again ... the bank verified that they did in fact report the credit to all 3 Credit monitoring agencies, XXXX   and XXXX have this account listed and in good standing. 

On the XXXX I applied for vehicle loan with XXXX XXXX, was approved..today my loan value due to decreased fico score, has been raised an extra XXXX in interest due to credit rating, enough of this XXXX ... Transunion has held no credible response, nor response of repair and clearly violated my credit rights..please fine them
Consumer complaint received 2016-01-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (CA)

I submitted multiple applications for assistance for home retention through Flagstar Bank. I submitted paperwork for loan modification and for information regarding Short Sale because I felt defeated and none of the Flagstar staff was willing to help me understand how I could retain my home or offer me any help. They called multiple times a day harassing me regarding the delinquency of my loan and would not offer me any assistance when I asked about my options. They simply ignored me and moved forward with the foreclosure.
Consumer complaint received 2022-08-19
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. (TX)

I recently reached out the the all three major credit bureaus. I requested they remove the balance off a credit card I was added to as a Authorized User. They investigated and verified the account was accurate. The issue is that since I am a authorized user I am not responsible for any debt obtained. the account was closed but the balance has yet to be remove. 
in accordance with the FCRA, the creditor and the credit bureaus have violated my rights under 15 U.S.C. 1681a sec 603. states only information on credit issued to a consumer is allowed 15 U.S.C. 1681a sec 604 A sec 2. States a consumer reporting agency can not furnish an account without proper written consent 15 U.S.C. 1681a sec 602A. states i have the right to privacy
Consumer complaint received 2019-09-17
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)

XXXX formerly XXXX XXXX has mixed up some records showing a joint account beginning XX/XX/2013 amt due {$9700.00} When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit.
Consumer complaint received 2019-02-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

On XX/XX/18, I contacted our mortgage company, XXXX XXXX XXXX  ( now XXXX XXXX ), concerning past due property tax, homeowners insurance, and flood insurance which should have been paid from our escrow. I was advised to email the documents and the request to XXXX which I did. The homeowners and flood insurance were both paid in XXXX but, to date, the property taxes are still outstanding. Since XX/XX/18, I have called and emailed several times. In XXXX, I was promised that the taxes would be paid on XX/XX/XXXX but they were not. Each time I have called, I have been told that the situation is being escalated, they are looking into it, etc. Recently, our county 's tax office issued a notice to place a lien on our property due to nonpayment. The mortgage company is being of no help. Please assist us.
Consumer complaint received 2019-02-15
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MI)

6 Merchants withdrew from our bank account during the 2018 year without authorization a total of {$16000.00} via repeated ACH withdraws. These merchants are XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX and XXXX. I noticed these withdrawals in XX/XX/XXXX and reported them to the Bank. The Bank filed 6 claims but later decided that these claims are subject to the 60 days grace period rule. Which means all these losses are my responsibility because I did not notice or report these unauthorized withdrawals in the first 60 days. The Bank refused to provide any assistance to recover these funds from the six merchants and refused to supply any information about the merchants legal information. Although many of the withdrawals meet the 60 days rule, namely, reported within the 60 days of the frauds occurrences, the Bank did not follow Consumer Protection Regulations regarding ACH, outlined in 1005.6 Liability of consumer for unauthorized transfers. The Bank did not even attempt to recover the withdrawals from the merchants. The Bank advised me to contact the merchants. After contacting the merchants, the merchants requested that it is the Bank that should report and recover the funds. 
It is also important to note that two of the withdrawals happened a few days after I reported the frauds in XXXX and after the Bank Branch manager confirmed with me they will fully control my account and promised that XXXX  withdrawal be refunded. 
Before the above six frauds happened, a seventh merchant, XXXX, and as early as XXXX XXXX withdrew via ACH four payments and after reporting the claim, I recovered these funds, however, the Bank did not warn me or advise me that XXXX withdrawals were fraudulent. If the Bank warned me about ACH fraud or advised me to take measures in early XXXX, all these frauds could have been avoided. 
All along, I assumed that the Bank uses a formal process to authorize ACH withdrawals and request a written authorization or any sort of form to prove that ACH transactions are approved by their clients. Many other merchants who legitimately withdrew monies from our Bank account have followed a formal process to withdraw monies.
Consumer complaint received 2023-01-03
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. (IL)

I recently checked my credit report and saw a very very very old account from XXXX XXXX XXXX as a charge off on my credit reports from EXPERIAN AND XXXX - XXXX did not!!! this account been closed and settle since 2016!!! i never ever received any legal communication, correspondences from them all these years! they greatly damaged my credit worthiness! 

there is no apparent evidence of agreement! I definitely never been informed nor understand why this is reported wrongfully on my credit! its insane to me that credit reporting agency who are supposed to protect our privacy and rights don't even check if the info is correct or verify anything and just put it on my credit! I sent letters to EXPERIAN credit bureau via XXXX mail # XXXX, XXXX XXXX mail # XXXX and to XXXX via XXXX mail # XXXX and also filed a CFPB complaint # XXXX to demand them to rectify immediately this fraudulent reporting and incorrect reporting. 

I need this fraudulent closed account and reporting to immediately be removed from my credit report!!! it is clearly a full violation of my consumer rights. 

thank you for your help with this urgent matter.
Consumer complaint received 2023-01-09
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Synovus Bank (FL)

Hello, I am contacting you regarding Synovus bank. We have had issue after issue with them. We refinanced our loan on XXXX XXXX, 2022, and agreed that we would have a XXXX grace period for payments. They wanted a definite date. I told them the XXXX. Of the following month would work, so they were to move the payment forward to the XXXX. When we made a payment on XX/XX/XXXX, they sent us a finance charge for missed payment for XX/XX/2022, when we still did not have a loan with them. After numerous phone calls and emails, we resolved that problem in XXXX 2022. They also made us open an account in their bank in order to get the loan process going of XXXX. 
New current issue : When we refinanced, they provided a list of insurance requirements they wanted for the loan. Before signing the docs, it was fine, and we were ok. Then in XXXX, they contacted us to add flood insurance. Although we are not in a flood zone, I agreed as the cost was minimal. Then in XXXX, they contacted us again and requested we buy wind insurance. The cost is almost XXXX a year. I told them that we were not asked for this closing, and it is an additional cost as we have a concrete building. When costs come down, we would purchase the insurance and cancel the insurance policy they had taken out. This is a very deceptive practice. As if we had known this, we would have stayed with the old lender. I explained to them the state of Florida does not require wind insurance in loans. They are forcing us to buy insurance we were never told that was a requirement. If we had been aware of this, we would not have refinanced. 
We sent them a letter requesting to cancel the insurance and to wait as we would make an effort to find better-priced insurance with no response from them.
Consumer complaint received 2019-02-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

XXXX XXXX XXXX RE : Regarding a Reported Delinquency. 
To Whom It May Concern, My name is XXXX XXXX, and my account number is XXXX. I have been a satisfied customer of XXXX XXXX for years. 
Your outstanding customer service is the reason Ive remained a loyal customer. Ive always considered it a priority to make all my payments on time. Unfortunately, when my father died I fell short. I was over a month late with a payment. 
I had been carrying a sizable balance for several months. Then, I finally paid off the full balance. When I received my statements and, I simply discarded them without even opening them because I assumed they would show a XXXX balance with no payment due. It never occurred to me that there would be a finance charge from the last month that carried a large balance. 
I wish I had taken a moment to just open and read those statements. That was a big mistake, and I can assure you it wont happen again. From now on, I will always open every piece of mail that I receive from you. I recently opted into email alerts just to provide an added layer of redundancy. 
Your records will show that in 2015 was the only time I was late. I had never been late with payment until this unfortunate oversight. I have been prompt with the past two monthly payments since getting caught up. 
As a long-time customer in good standing, I respectfully request that you apply a goodwill adjustment to remove the late payment from my file. Please help me this is hurting me financially. 
Thank you very much for your consideration,
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

On experian XXXX and XXXX XXXX XXXX is reporting late payments. I paid 2 months at once and requested to have it paid a month in advance. The employee did not do this correctly and put it to pdiceable causing months to be late with out me knowing. I have contacted them. Since the account is paid in full they said they will not change it.
Consumer complaint received 2019-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (GA)

On or around XX/XX/XXXX, Citi Card ( XXXX  ) lowered my available credit from {$2100.00} to {$1700.00}. My balance was at the limit when they did this. As a result, I am now {$500.00} over the limit and my mmp is {$620.00} this month. To put this in perspective, below are the last 5 MMPs ( prior to the reduction in limit ) {$82.00}, paid {$140.00} {$76.00}, paid {$160.00} {$65.00}, paid {$80.00} {$78.00}, paid {$160.00} {$86.00}, paid {$120.00} I am experiencing financial difficulty with other creditors, and I do not have the money to make a MMP that is 800 % higher this month than prior months, all because Citi lowered my limit. When I called to ask for help, I was told that I had to go delinquent first, and then they would consider offering payment options. How is it acceptable for a Credit Card company to view a consumer as a credit risk, and then take action that actually puts the consumer in a position to where they can't pay and forces them delinquent?
Consumer complaint received 2019-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

Hello, On XX/XX/XXXX, I replied to someone selling tickets for a concert in XXXX. I've uploaded the text messages below. I sent the recipient {$350.00} for a pair of tickets through Chase XXXX. The recipient notified me they were going to transfer the tickets through XXXX. However, they didn't follow through. I contacted Chase support about 3 minutes after the transfer to rollback the transaction. However, Chase notified me that I was out of luck and there's nothing they could do. They told me to notify the police and that there was nothing the could do. I called the local branch and they told me to call customer service XXXX number. I was told to go around in circles with nobody helping me. I'm frustrated and upset that they didn't do anything since I sent the money that is a Chase customer. They have this person 's information but told me they were not able to reverse the payment.
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Several certified notices were mailed to the credit agency asking for remarks to be added to the XXXX XXXX file in my report. The original creditor dropped this debt and collection agency is still continuing to report a debt I do not owe. Until the agency is able to sucessfully remove the item from my file I am again requesting the following remark be added to my file. Debt dismissed by original lender.
Consumer complaint received 2019-02-15
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)

Several certified notices were mailed to the credit agency asking for remarks to be added to the XXXX XXXX file in my report. The original creditor dropped this debt and collection agency is still continuing to report a debt I do not owe. Until the agency is able to sucessfully remove the item from my file I am again requesting the following remark be added to my file. Debt dismissed by original lender.
Consumer complaint received 2019-02-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG FINANCIAL CORPORATION (MI)

The loan was for {$480.00} and some change. I selected the installment plan option, and I made the first of three installment payments two weeks ago. I called to ask him if I could extend the payment bye two weeks because my money was short. They said no, and that they would cash my check as if I had not made the first payment. So, I will be out of overdraft fees in addition to the extra {$18.00} for a repayment plan.
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (TX)

On XXXX  XXXX and XXXX gm financial is reporting late payments. I paid 2 months at once and requested to have it paid a month in advance. The employee did not do this correctly and put it to pdiceable causing months to be late with out me knowing. I have contacted them. Since the account is paid in full they said they will not change it.
Consumer complaint received 2023-03-03
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: U.S. BANCORP (GA)

There was fraudulent use of my US Bank credit card on XX/XX/2022 by a non existent company for {$2900.00} through a XXXX  payment device for " kitchen remodeling '' that I immediately reported to the credit card company ( US Bank ) as fraudulent. The credit card company initially cancelled the charge and said they would investigate. After multiple " thank you for your patience '' emailed case updates from the credit card company the fraudulent charge was placed back on my account on XX/XX/2022 and deemed by US Bank as a valid and authorized charge. They mailed me their " findings '' but there was no information in that paperwork validating the transaction. To the contrary, my personal contact information listed in their investigation is not correct but they either failed to notice this inconsistency or simply ignored it. After speaking to US Bank directly to again dispute the validity of this debt they refused to investigate further and deemed the situation resolved and the investigation closed. As a result of this lack of reasonable action on their part I have paid all unassociated debt on that account and cancelled the card. Additionally I have filed a police report for financial fraud and identity theft and sent them a letter enclosed with a copy of that police report demanding the debt be removed completely along with any associated fees or penalties. 
US Bank continues to claim I owe this debt and are charging interest on it as well as making derogatory remarks on my historically exemplary credit report. 
I need help resolving this issue and help making sure it does not happen to someone else.
Consumer complaint received 2019-02-15
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: CITIBANK, N.A. (NY)

My mother is a XXXX year old invalid who has some credit card debt. When she couldn't XXXX anymore and became XXXX, I called Citibank and informed them that my mother could not pay anymore. Citibank, unbeknownst to me, sent " Delinquent Account '' Reports to the Credit Bureaus on ME. 
Citibank NEVER contacted me after I sent a letter of explanation and a request for a phone call. Instead, Citibank started sending reports on ME back in XXXX of 2018. 
Just today, by chance, I noticed my Credit Score had dropped dramatically. When I asked Citibank why I was punished for my mother 's account, they said I was an " Authorized User '' and I had agreed to let them contact Credit Bureaus about me. I signed and agreed to NOTHING of the sort. MY mother must have put me on as an " Authorized User '' in order to buy her supplies. I NEVER agreed to it and they refuse to show me proof where I did agree to it. 
I now have dropped over 100 points on my Credit Score, I have Credit Limits reduced on Credit Cards, and I'm suffering Compensatory Damages from Citibank 's actions. 
HOW CAN IT BE LEGAL TO MAKE A REPORT ON SOMEONE BASED ON SOMEONE ELSE 'S CREDIT CARD??? I AM NOT the Account Holder, WHATSOEVER, for my mother 's Credit Card with Citibank. And I signed NOTHING to be an " Authorized User '', yet they reported to the Credit Bureaus about ME. And WITHOUT EVER CONTACTING ME BEFOREHAND.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I have contacted credit bureau 2 times to remove bankruptcy off report I have never filed bankruptcy before and I don't know where this is coming from I have attached documents from court system bureau stated is was removed and it hasn't been