davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NJ)

Selene Finance didn't pay my second quarterly property tax which was due on XX/XX/2021. I received the delinquent notice from the XXXX XXXX on XX/XX/2021. I called Selene on XX/XX/2021 they acknowledged their mistake asked me to send the delinquent notice to them so they can send the check out to township ASAP. On XX/XX/2021 I found out the taxes was still not paid, i called them again they again said will be taken care of in two days. I have been calling them every 4 days since then. Today XX/XX/2021 they are saying they will take care of it by XX/XX/2021 extending it for another month. My third quarterly tax payment is due on XX/XX/2021 I'm afraid this will lead into a big mess. Please help me to resolve this, I have been making my payment on escrow which is {$770.00} and mortgage {$2400.00} monthly on time. As of now I have {$4800.00} in my escrow account my property tax is {$2100.00} every quarter. Tax due $ XXXX {$25.00} XXXX interest XXXX as of today. 

Lender Information : Business Name : Selene Finance Address : XXXX, TX XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2023-03-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

Someone called Citibank on XX/XX/23 at XXXXXXXX XXXX and got themselves added as another person on my and my husband 's joint account ( 30 years with the account ). They were able to get Citi to give them an ATM, open a new account, transfer all my savings and then go to a teller and withdraw {$10000.00} my money without even an email notification at XXXXXXXX XXXX on XX/XX/23, teller # XXXX. I use my mobile app all the time to transfer funds and pay my credit card, etc. and ALWAYS get notifications. I have never shared my account information, passwords, login info, pin or ANYTHING with ANYONE. A total of {$36000.00} was taken from my account without notification of ANY KIND from Citibank. Upon reporting to Citibank 's fraud department, I was told there was another case just this week exactly like mine. Apparently Citibank has a security problem. They have said they will refund the money to me on a PROVISIONAL basis within 10 days, but I am worried. I have a college student in my household who needs my financial assistance. Citibank needs to make this right and protect my money, security and interests.
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.
Consumer complaint received 2022-02-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XX/XX/XXXX XXXX times with in one min. 
XX/XX/XXXX XXXX times between XXXX pm to XXXX XX/XX/XXXX 9 times between XXXX to XXXX XX/XX/XXXX 7 times between XXXX to XXXX XX/XX/XXXX XXXX times between XXXX to XXXX This has been a continuous thing for the last several months to where it is disruptive to daily phone calls and daily life while trying to make and receive phone calls. Sometimes this is up to three times a day. 
The name of the company is XXXX XXXX and XXXX XXXX. IF needed I do have screens shots of this happened as well as having to pay for XXXX XXXX XXXX call protect.
Consumer complaint received 2018-11-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (AZ)

I have Parent Plus loans for my daughter, who is still attending school at XXXX. After she enrolled for summer semester in XXXX, Navient didn't put the Parent Plus accounts in deferred status, even though her own loans with Navient went to deferment. I have a payment plan set up for my own loans, which I was paying the specific amount as agreed to in the loans and had been sending a note delegating how the accounts were to be paid with each automatic-electronic payment. After many calls and forwarding enrollment info since mid-XXXX, Navient would not defer the Parent Plus loans, even though I sent proof that the student was enrolled. The school was also contacted with this information to send to Navient, and showed the student 's own loans were in deferment with Navient. During the next 4 months, Navient automatically applied the payments I made to my separate loans due for a specific amount to the interest due on the Plus loans, even though I sent memos delegating payment, putting my loans in " late payment '' status. They had actually been doing this for about a year, even when the Parent Plus loans were in deferment and nothing was due, that's why I had been sending the memos delegating payment. After 7 months of having to call customer service and have my payments redirected to the loans that were actually due as agreed on through Navient, no one could give me a reason why money sent was not going to loans in repayment and instead were applied to INTEREST of loans not due. It took me nearly a year to be able to set up an income-based repayment for specific those amounts due and since XXXX, I have instead been specifically going on-line to Navient, com every month to make custom payments as to ensure my payment was going to the loan as specifically intended and set-up by Navient. If you set up automatic payments from your bank on-line with Navient directly, money is pulled from your account and applied at Navient 's discretion, at any time. I fought with Navient for about 4 months about the Parent Plus Loans not being in deferment, but nothing was done by Navient and now they will not remove this from my credit, which will now keep me from being able to consolidate these loans after the next tax season. I have made formal complaints to Navient directly over the past 4 years about their ongoing deception. I have made complaints to credit agencies, FSA and even contacted the XXXX  about Navient 's unethical practices with no help. I have had NO problems credit or payment-wise with any other company except this one. I make payments in full up-front when offered, almost automatically- electronically through my bank and on time-every time. My credit proves that.
Consumer complaint received 2022-02-23
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. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 XXXX. 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 XXXX more than 21 times. XXXX 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 im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE
Consumer complaint received 2017-11-06
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. (TX)

I 'm currently in the XXXX XXXX and during the last 2 years, I was mobilized twice. My auto-payments were going on-time, but due to a technical glitch, my bank sent me a letter to physically contact the recipient and send the payment, but I was on XXXX and never got the letter. Though I had the money and gave it when I returned, they reported a 30 and 60 day late payment. After talking with a representative of the XXXX, I was told I could have those two late payments removed, as per the law, but I have not been able to do so. I was overseas. Now I 'm unable to get a XXXX XXXX loan or refinance my home. Please help.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

n accordance with the Fair Credit Reporting act 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 Account # : XXXX XXXX Account Type - Detail : Credit Card Credit Card Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$3000.00} {$3000.00} {$3000.00} High Credit : {$3000.00} {$0.00} {$3000.00} Credit Limit : {$2800.00} {$2800.00} {$0.00} Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-03-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Western-Shamrock Corporation (NM)

The company calls me everyday and leaves a message. They stop by everyday or everyother day and park in my driveway and knock on my door hard and leave notes! Are threatening in action, acting like thugs!
Consumer complaint received 2019-09-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019 I received a " XXXX with XXXX payment '' to my Chase Checking account for {$2000.00}. 
On XX/XX/2019 I received a debit for a " XXXX Dispute '' of {$2000.00}. 

On XX/XX/2019 I realized {$2000.00} was taken out of my account with the debiting transaction labeled " XXXX dispute ''. I contacted Chase customer service and they informed me that their was an open investigation on this transaction for quite some time. The investigation is now closed and was decided in the senders favor. 

I asked why the case was decided in the senders favor and was given the following information : The sender called their bank and told them that this was an unauthorized transaction. An investigation was opened. They looked into the account owners login history to verify that the location they logged in from was irregular. Based on the IP address investigation they decided to rule in the senders favor and issued the {$2000.00} reimbursement. 

I personally know the sending party and know that this was not an unauthorized transaction. Initially they wanted to send me money via a XXXX transfer but I told them I prefer XXXX ( thinking there was no risk of a chargeback ; i was wrong ) .So we met in person on XX/XX/XXXX so that they can pay me the money they owe me via XXXX transfer. He called his sister ( the account owner ) and told her to go ahead and send the money after I gave them my XXXX details. I heard XXXX 's voice ( the account owner ). 

I am 100 % certain that this was an authorized transaction by the sender and they are exploiting the bank/ XXXX 's policy here. This was a lackluster investigation which resulted in a XXXX criminal being rewarded and an honest XXXX taxpayer out {$2000.00}. Of course these criminals knew to use a different login location to complete the transaction. They are criminals who live off of stealing from other people! The only investigation performed was to check if the criminal was smart enough to use an IP Address they have never used before to login to their account to complete the transfer! 

It is very obvious someone told them about this scheme where you can send money through your USA bank account and request your money back by calling the bank and saying it was an " unauthorized transaction ''. These people are XXXX and don't have much money. They will XXXX over anyone as long as they can get some money out of it. 

To make matters worse, Chase customer representatives claim that they froze my account to complete the investigation. 
I was never told about any type of ongoing investigation or my account being frozen. I do my weekly banking with chase and my account was never frozen or suspended when logging in online. This was like an extremely lazy effort from whoever investigated this claim.
Consumer complaint received 2022-07-11
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. (FL)

n accordance with the Fair Credit Reporting act 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 Account # : XXXX XXXX Account Type - Detail : Credit Card Credit Card Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$3000.00} {$3000.00} {$3000.00} High Credit : {$3000.00} {$0.00} {$3000.00} Credit Limit : {$2800.00} {$2800.00} {$0.00} Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Wisconsin XXXX Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute the negative information that appears on my credit report, as required by the Fair Credit Reporting Act ( FCRA ) section 611. 

There are several items on my report that are inaccurate and should be removed immediately to ensure the accuracy of my credit report. These items include : The name XXXX XXXX XXXX, which does not belong to me, is listed on my report. This violates the FCRA 's requirement that credit reporting agencies report accurate information about consumers. 

The following addresses are listed on my report that do not belong to me : 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 This violates the FCRA 's requirement that credit reporting agencies report accurate information about consumers. 

The employer XXXX XXXX XXXX is listed on my report, but I have never been employed by this company. This violates the FCRA 's requirement that credit reporting agencies report accurate information about consumers. 

Several accounts on my report, including DEPT OF ED/XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have payment histories even though they have been charged off. This violates the FCRA 's requirement that credit reporting agencies report accurate information about consumers. 

The account with XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) has inaccurate information regarding payment status, balance, comments, payment history, and account number. This violates the FCRA 's requirement that credit reporting agencies report accurate information about consumers. 

I request that these items be deleted from my report immediately in compliance with the FCRA. I also request that you provide me with a free copy of my credit report, as required by FCRA section 612. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-11-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

In XXXX, there were instances where XXXX 's erroneously charged me $ XXXX {$2.00} as an interest charge when my account was paid in full and had a {$0.00} balance. This has resulted in a negative result in XX/XX/XXXX of a 30-day late payment remark on my credit report. 

- XX/XX/XXXX Statement ( Account flagged 1 month late ) New Balance = {$210.00} due XX/XX/XXXX [ No New Purchases ] XXXX Statement ( Account in good standing ) New Balance = {$2.00} due XX/XX/XXXX Payment # 1 on XX/XX/XXXX = {$110.00} ( before XX/XX/XXXX due date ) Payment # 2 on XX/XX/XXXX = {$100.00} ( before XX/XX/XXXX due date ) {$210.00} [ New Balance ] - {$110.00} [ Payment # 1 ] - {$100.00} [ Payment # 2 ] = {$0.00} Balance as of XX/XX/XXXX Interest Charge on Purchases on XX/XX/XXXX = {$2.00} XXXX Statement ( Account flagged 1 month late ) New Balance = {$47.00} due XX/XX/XXXX Purchase # 1 =  {$39.00} Late Fee on XX/XX/XXXX = {$2.00} Minimum Interest on XX/XX/XXXX = {$2.00} XXXX Statement ( Account flagged 2 months late ) New Balance = {$79.00} due XX/XX/XXXX [ No New Purchases ] Late Fee on XX/XX/XXXX = {$29.00} Minimum Interest on XX/XX/XXXX = {$2.00} XXXX Statement ( Account in good standing ) New Balance = {$2.00} due XX/XX/XXXX Payment # 1 on XX/XX/XXXX = {$79.00} ( on XX/XX/XXXX due date ) Minimum Interest on XX/XX/XXXX = {$2.00} XXXX Statement ( Account flagged 1 month late ) New Balance = {$2.00} due XX/XX/XXXX [ No New Purchases ] XXXX Statement ( Account in good standing ) New Balance = {$0.00} due XX/XX/XXXX Payment # 1 on XX/XX/XXXX = {$2.00} ( before XX/XX/XXXX due date ) In accordance with XXXX 's " How to Avoid Paying Interest on Purchases '' clause available in every statement, it states " We will not charge you ANY interest on purchases if you pay your new Balance by the payment due date each month. '' I don't understand why this keeps happening and from my research, it is not an isolated issue with myself. This is a map of my XXXX data. I will be placing a similar complaint for my XXXX data which I had to request from XXXX 's because it was no longer available via their online platform. 

I previously called in to XXXX 's in XXXX to try to resolve this credit issue to no avail as they elevated my situation and somebody will be in contact with me in a few days. After a few days, I was contacted with information that did not make sense and clearly contrary to their disclosure clauses in their billing statements.
Consumer complaint received 2022-02-23
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. (FL)

I am XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over 35 days and you are still reporting these items without permission and that is fraud.
Consumer complaint received 2019-09-02
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: CAINE & WEINER COMPANY, INC. (NY)

There are a few accounts on my credit report that I've never given consent or permission to give me any lines of credit under my credit report or to run my credit or put unauthorized inquiries on my report 1. caine weiner ( XXXX XXXX ) -date XX/XX/XXXX -amount {$380.00} 2.XXXX  XXXX ( student loan ) -date XX/XX/XXXX {$13000.00} 3. us dept of ed ( student loan ) -amount {$9900.00} -date XX/XX/XXXX 4. XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) -date XX/XX/XXXX - {$1100.00} 5 . XXXX XXXX XXXX -date XX/XX/XXXX - {$1000.00} 6. XXXX XXXX XXXX ( sold to XXXX XXXX XXXX XXXX ) -DATE XX/XX/XXXX - {$1100.00}
Consumer complaint received 2019-09-02
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. (MN)

I do not agree that the said amount of debt by XXXX XXXX is owed by myself. I have not received any documentation of how they generated this stated amount. To my knowledge I am strongly convinced that I do not owe the stated amount, in fact I do not owe any amount. Unless credible, validation of proof is produced, then we are all in full agreement that there is no debt owed by myself.
Consumer complaint received 2018-11-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (PA)

I received an email this morning from the loan servicer ( XXXX XXXX ) that my account was past due and I owe them {$2200.00}. I have not missed any payments and have proof that all my payments have been processed via ACH on time since I signed the payment plan agreement. Their website says the account is paid in full, though I should owe {$2000.00} right now per the payment agreement. I called their customer service number and they don't know why the account shows as paid in full ( when I should owe {$2000.00} ), or why I received that email ( which originated from XXXX email domain ). 

Attached are screenshots of the email I received, my payment history for the account, the paid in full message, and a PDF of the payment plan agreement I signed over the summer.