davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

This complaint is a followup to a previously submitted complaint # XXXX-XXXX. 
Citibank responded by saying that the fee is non-refundable, but I checked the Card Agreement Guide and nowhere does it say that the fee is non-refundable. Actually, the fee is described as an " Annual Membership Fee '' and as such, having paid the fee, I should be entitled to enjoy the benefits that come with such membership, such as the XXXX XXXX XXXX and XXXX XXXX, for the duration of my membership. Second, nowhere does it say that the fee is earned immediately upon billing, so I expected that the membership fee would be earned on an amortized basis as the year progressed. Lastly, nowhere in the Card Agreement does it say that such membership benefits would terminate at the closing of my account. So, all-in-all I feel I was misled and Citibank is not acting in good faith. Therefore, since we have an unresolved dispute, pursuant to Section 11 of the Card Agreement titled " Arbitration '', I would like to initiate arbitration proceedings. Since nobody in Citibank Customer Service knows the answer to this, please provide the instructions for initiating arbitration and how Citibank will go about paying my share of the arbitration fee, per the Card Agreement. Thank you.
Consumer complaint received 2019-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I reached out twice to Transunion regarding a deragatory item on my credit report for XXXX XXXX XXXX. The item does not show on any other credit reporting agencies due to the age of the debt. They stated that they handle reporting differently and it will be remove XX/XX/XXXX of this year. I'm concerned as my employer now performs credit checks.
Consumer complaint received 2018-12-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL (NC)

Received phone call from GE Capital with a phone number of XXXX. Spoke with a man named XXXX XXXX. Stated I was qualified for a personal loan. He wanted to pay off my credit card above the loan amount to boost my credit score. I told him then I was not interested. This is a Spam Call.
Consumer complaint received 2018-05-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Hello my name is XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. The last 2 years I have been a missionary in XXXX XXXX, XXXX & XXXX. Im in the process of selling my home the above address is my friends home that I use as my new address. The problem Im having is that this last year again they put my home in the flood plain, this has happened before at least 3 other times and within a few months they removed me from the flood plain, I live 7 miles up hill from the XXXX river. The problem I have is I never got any notice of the change in the flood plain. My mortgage company took out a flood insurance but Bank of America took out one also because I had a home equity loan for around {$700.00} and I paided it off three weeks ago which my final balance was just under {$500.00}, this is when the cashier asked me when would I pay the rest, thats when I found out that they put a force flood insurance on my home because I never replied to them. When I tried to clear this up they said that BofA needed to be on my mortgage for the to remove it, but I then found out that my mortgage company and BofA would not put either on each others policy. The funny thing is BofA sold my mortgage to my mortgage company XXXX XXXX ( was XXXX befor XXXX XXXX. XXXX XXXX suggested that I buy another policy with both names on it too clear up the problem, I guess that money grows on trees. 
XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX, ins. XXXX, {$660.00} Bank of America account # XXXX, XXXX, ins. # XXXX, {$770.00} Total for both {$1400.00}, Im a poor missionary, XXXX Vet, and will only receive {$3000.00} or even less at closing. Your help in this matter would be greatly appreciated. God Bless
Consumer complaint received 2018-05-25
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. (AL)

I have contacted all three credit bureau to no avail. They are reporting multiple alias names and incorrect address that are attached to former spouse and relatives that are not my information. My name should on appear on my credit report as XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX from recent XXXX.

My address section should only reflect the following addresses in my life.

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
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has been nearly 60 days. I have sent XXXX  a request for explanation as to why my score has dropped 37 points. They are reporting " Too Many Consumer Finance Company Accounts '' this is something new that XXXX  is placed on my bureau to intentionally lower my score. I have not opened any new account and I do not have any high risk loans in my name. I don't have any Pay Day loans or anything of the sort, I have nearly paid off ALL my credit cards and my auto loans are free and clear. All my loans are either with a Credit Union or a reputable FDIC national bank and I have no department store cards therefore there is nothing that should be on my credit listed in this manner bringing down my score. I have asked XXXX  to identify said " Too Many Consumer Finance Company Accounts '' and they have failed to do so. XXXX has failed to provide me with the required information for me to dispute. I believe XXXX  is intentionally lowering my score because of my ethnicity. For XXXX  to continue to report inaccurate information its a defamation of my character and a violation of the FCRA and FACTA.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-06-20
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: Experian Information Solutions Inc. (AL)

Creditor Name XXXX XXXX XXXX XXXX Date opened XX/XX/2018 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit that was not made to the obligor or, if made, was not in the amount reflected on such a statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-03-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Consumer Portfolio Services, Inc. (WI)

Please be so kind as to assist me ; Im asking for your companys assistance in enforcing what the law requires for this corporation to do. Please and thank you. I entered a consumer credit transaction with Consumer Portfolio Services on XX/XX/2021. This involved a finance charge along with a down payment of ( {$2000.00} ) cash. Pursuant to 15 USC 1605 ( a ) finance charge is the sum of all charges in a consumer credit transaction and does not include cash. CPS is in violation of the 15 USC 1605 Truth in Lending ACT. CPS didnt offer any insurance and they failed to disclose to me my right of recession and provided me with the appropriate forms to exercise my right which is in violation of 15 USC 1635. As a federally protected consumer under title 15 Chapter 41, my rights have been violated and Consumer Portfolio Services is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to 15 USC 1640 and 15 USC 1692k. 

I have also sent certified mail to the CEO & the CFO of Consumer Portfolio Services
Consumer complaint received 2021-12-01
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. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. This company is currently showing 30 days late ( XXXX 2021 ). I have read enough to understand my rights. Equifax is attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 

( XXXXXXXX XXXX  XXXX )
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

" Last year, I noticed several accounts on my credit report that simply didn't belong to me. I've gone above and beyond, reaching out to each creditor tied to these suspicious accounts, trying to clear up the confusion between their records and mine. I've also sent numerous letters to Equifax, XXXX XXXX, and XXXX, all via certified mail, asking them to correct these errors. But despite the law giving them 30 to 45 days to fix things, they've dropped the ball. It's like they're not even playing by the rules set out in the Fair Credit Reporting Act ( FCRA ). 

Because of their negligence, I'm stuck in a rut. I can't get a loan, buy a house, or even finance a car. It's frustrating to feel like a second-class citizen just because some bureaus can't get their act together. So, I'm left with no choice but to take legal action against each of them. Their failure to follow the law and give me the help I need has put me in a tough spot, and it's time they're held accountable for it. '' Their failure to adhere to the requirements of the FCRA is gross negligence. This treatment has been a horrible experience for me. Pursuant to my rights under the FCRA, I will be filling a lawsuit within this week.
Consumer complaint received 2018-05-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

On XX/XX/XXXX, I filed Chapter XXXX bankruptcy protection for the Southern District of Florida, case no. XXXX. On XX/XX/XXXX, was discharged. Under the Bankruptcy code when a debtor is discharged is not the end of the Bankruptcy because until the case is close, particularly in Chapter XXXX  case, the bankruptcy trustee remains the legal owner of all asset which are property of the Bankruptcy estate. Although the Bankruptcy case is currently open Select Portfolio Servicing employed debt collector XXXX XXXX XXXX XXXX XXXX to acquire a sale date from the court. This action is prohibited under the Federal Bankruptcy Code. Both, Select Portfolio and their debt collector are in violation of Federal Bankruptcy Code. The Bankruptcy code supersedes any state order and in particularly when the debt is currently owned by the US Trustee and the Federal bankruptcy Court. SPS is also in violation of Treasury Rules in regards to the sale date. We are being reviewed for a loan modification therefore all Treasury rules apply. Under treasury rules servicer may not request a sale date until the debtor is reviewed for mortgage request and was notify to either approval or denial and in the event is denied, the sale date may not be conducted until the debtor has a chance to an appeal. SPS violated such rules and are subject to sanctions. The CFPB has jurisdiction of Federal Rules therefore must sanction the named parties for violating Federal Rules that shall be respected.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Iam a victim of identity theft and fraud. My information was stolen and used to apply for credit. As a result a fraudulent credit card and inquiries appear on my credit report. The account is XXXX XXXX XXXXXXXX ( XXXX ) in the amount of {$10000.00}. There are fraudulent credit inquires which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-14
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: WELLS FARGO & COMPANY (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2022-03-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have tried many times to get these Account of my credit report. i have submitted the correct information please help XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (VA)

I applied for a credit card with Barclays and the customer service rep ( XXXX ) asked me what was my race. Also asked me how far do I live from Washington DC! Came back to the phone and denied my credit card. I asked the rep to tell me why my application for credit was denied, and I was told I have negative items on my credit file which is definitely not true and can easily be proven. When I asked him which bureau pulled my report,, He told me XXXX which was another lie. I have proof that my report was pulled from XXXX! The rep couldnt give me one name of any account that was delinquent or any type of derogatory info.. As a consumer I have a right to not be discriminated against because of my race nor should I be asked as a deciding factor what my race is. I also have the entire conversation recorded where this representative [ XXXX ) asked me what is my race before making a decision to deny me credit. Before I do my reviews online, release this recording on XXXX, file a complaint with the attorney generals office and contact media XXXX on your side,,, I wanted to officially file a complaint today.
Consumer complaint received 2018-12-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

On XX/XX/2018 I have written a letter to XXXX XXXX asking them to stop calling me that included out of that state numbers as well which they have ben doing for the past month. I informed them in a letter that all call from them will be log and recorded after XX/XX/2018. On XX/XX/XXXX I received two calls. On XX/XX/XXXX one call and XX/XX/XXXX one call. I have phone login their out of state numbers on my phone. I have sent XXXX XXXX another letter informing them they are in violation of the ( FDCPA ). And informed them I will be filing a complaint with ( CFPB ).
Consumer complaint received 2019-03-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC (TX)

XX/XX/XXXX was the last activity with XXXX XXXX. 

There is a debt collector in the name of Waypoint Resource states that the account was closed this year XXXX. Which will be removed from the reporting agencies in XXXX. This information is inaccurate and causes my hard work I am putting forward to be corrupted.A letter was sent out to them and a response has not been received from them regarding this issue. 

They are reporting inaccurate dates that is hindering my progression to better credit. A letter was also sent to XXXX regarding the issue. Although, they have stated the account was verified containing the in correct information.
Consumer complaint received 2019-03-28
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. (TX)

I contacted Equifax on XX/XX/XXXX to advise them that I have no knowledge of a XXXX XXXX nor is this company any where on my credit report ... 

I contacted XXXX  on XX/XX/XXXX and informed them that I have no knowledge of a XXXX XXXX and they are no where on my credit report .... 

These ( 2 ) inquired were not by permissional purpose at all and I want them deleted/removed from my credit report immediately. 

XX/XX/XXXX is XXXX XXXX XX/XX/XXXX is XXXX XXXX
Consumer complaint received 2018-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NC)

Made XX/XX/XXXX mortgage payment to Ditech mortgage but was {$72.00} short due to escrow changes. Mortgage company is charging {$51.00} late fee ( which is 71.15 % of amount of shortage ) and threatening to report a late payment to the credit bureaus if {$120.00} is not paid by the end of XX/XX/XXXX. Other mortgage companies ( XXXX XXXX XXXX and XXXX XXXX XXXX ) have allowed me to make up the escrow shortages in the next month 's payment without a late fee or late payment reported to the credit bureaus. I called Ditech mortgage customer service on XX/XX/18 and spoke to representative ( XXXX ) after receiving mortgage statement in the mail. The statement shows the {$1100.00} payment that I made was " suspended ''. The representative confirmed that the principal and interest payment was made and received on time but was short on the escrow amount. My complaint is a 71.15 % late payment fee is excessive and not consistent with other mortgage companies and my payment is " suspended '' but yet they have my money.
Consumer complaint received 2020-12-16
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: WELLS FARGO & COMPANY (HI)

Wells Fargo Dealer Services account number XXXX reporting 30 days late on my credit report from XX/XX/2018 through XX/XX/2018 On XX/XX/2018 A check submitted to Wells Fargo from XXXX XXXX to pay of entire loan balance owed on my vehicle. 
all three credit bureaus verified this disputed account as reporting correctly. 
letters sent to wells Fargo requesting assistance to correct went ignored. 
respectfully requesting resolution to remove this inaccurate payment history.
Consumer complaint received 2020-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (MI)

I received card ( debit/credit ) in the mail that I did NOT apply for and don't want. Did someone use my ss # to apply for unemployment in Pennsylvania? That's the reason listed as to why I got this card. That is what they did with my number in NY. Please fix this. My credit was compromised back in XX/XX/2020 and many charges were made in my name at that time. Please try and catch these unscrupulous people. Thanks
Consumer complaint received 2018-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC (UT)

ERC kept repeatedly calling me about a debt that was discharged under Chapter XXXX Bankruptcy. All debtors were notified and it has been discharged. This company kept asking for my social security number because they could not find my account. If I had an account they would know my info. I refused to give them my social but I gave them my attorney 's number and name. Plus they were asking for me by a name I have not went by in 5 years
Consumer complaint received 2021-06-07
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: EQUIFAX, INC. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.