davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (OR)

I am having a problem getting this year 's CR from Equifax. My last Equifax CR is dated XX/XX/XXXX. I called the 1-887 phone number on XX/XX/XXXX and ordered my federally mandated CR from Equifax. I did not receive the Equifax report. I called again on XX/XX/XXXX and ordered my CR from Equifax. On both occasions I was told I would receive my CR in two ( 2 ) weeks. I have not received my CR. On Sunday, XX/XX/XXXX I called a " help line '' XXXX. To ask why I did not get my CR. I was asked numerous questions regarding my account at Equifax. I was told to submit my name, address, phone number, a copy of my " identification '' and social security number to XXXX. XXXX XXXX, XXXX, GA XXXX asked why all this trouble to get an Equifax CR. The person on the end of the line said she did not know because the call center is in the XXXX. I found this alarming because I gave her personal information including my social security number. This is unacceptable in my opinion. Further, why didn't Equifax send me a query the first and second times I ordered a CR. Please help me get my Equifax CR. Thank you.
Consumer complaint received 2022-05-03
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2015-10-15
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

Dear Sir or Madam, I would like to file a complaint against Macy's/XXXX Bank for the following reason ; Macy 's has received my payment on XXXX/XXXX/15, but failed to apply proper credit to my Macy 's credit account and falsely sent a delinquency report to XXXX credit report agencies, XXXX 
The initial payment was {$40.00} but they sent me bills with late fees and interest charges that I ended up paying in the amount of {$100.00} total. 
Macy'sXXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX FaxPresident : XXXX XXXX XXXX XXXX Bank XXXX Citi Bank XXXX XXXX. XXXX XXXX XXXX, OH XXXX XXXX is as follows,1. I mailed the initial payment on XXXX/XXXX/15, and according to my bank, it was cleared on XXXX/XXXX/15. It took almost 2 weeks. My bank was helpful that they wrote me a confirmation letter. 
2. After I learned that my payment was not applied to my credit on XXXX/XXXX/15, I called Macy 's customer service and spoke with several people to no avail. One person told me that he would call me on my missing payment, but I received no call. Other people were just incompetent, pointless, rude. No one offered me to open a missing payment investigation case. 
3. In the meantime, my bill went up to {$100.00} with late fees and interest charges. 
I have paid intending to dispute later. The payment was received by Macy 's on XXXX/XXXX/15. 
4. I sent a payment dispute complaint to the above Macy 's address via fax attn to XXXX XXXX, but unresponsive to this date. 
Also mailed to XXXX Bank by certified mail. According to the USPS tracking website, the certified mail was delivered to XXXX Bank XXXX Citi Bank XXXX on XXXX/XXXX/15. 
According to the XXXX Bank Agreement, it states ; '' What Will Happen After We Receive Your Letter Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. " I have not received their correspondence to this date. 
5. After XXXX/XXXX/15, for 2 weeks my credit card balance was XXXX, and I received another bill for {$2.00} and I paid. Macy 's has received my payment on XXXX/XXXX/15. 
6. I filed a complaint with the Better Business Bureau about 3 weeks ago, a woman named XXXX XXXX contacted me and demanded a proof of payment, I provided all documents that support my complaint. She did receive them. Because the following day she left a rude voice message on my cell phone saying " not send too much of fax '' LOL. 
I have not heard from her or Macy 's since then. 
I am requesting Macy's,1. A refund check in the amount of {$100.00}. 
2. Remove a delinquency report that Macy 's sent to XXXX credit report agencies, XXXX 
3. Close my account. 
4. Send me a final statement with a XXXX balance. 
5. Apology for the inconvenience and time I wasted. 
Thank you so much for your attention to this matter. 
Upon request, I will provide all information that help resolve this complaint. 
Regards.
Consumer complaint received 2020-08-03
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. (OR)

Hello, Ive disputed my mid oregon credit card payment history with transunion twice. I have perfect payment history on that card which has been confirmed with the bank but transunion shows a late payment. Both times transunion has fixed it when I dispute it but then it comes right back the following month. Ive now disputed it a third time which is ridiculous. Please take whatever action you can against transunion and their poor record of properly resolving this dispute.
Consumer complaint received 2020-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY ()

Wells Fargo suspended my account due to " suspicious activities '' which in reality is me wiring money to my international account in XXXX XXXX. 

They, therefore, suspended my online banking account and refuses to reactive it saying the only way to reactive my account is if I come in person to one of their branches. 

I live abroad right now so I can not physically be there.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NC)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (CO)

On XX/XX/XXXX, a letter was sent to Conns regarding a 30-day late payment that they reported on my report for XXXX XXXX. This account was in good standing prior and is current today. 
I had called the customer service to let them know due to the covid pandemic, our household income was affected. They assured me as long as the payment was made current I would not be reported late. I still have received zero response from them, Public Law No : 116-136 ( XX/XX/XXXX ) Coronavirus Aid, Relief, and Economic Security Act or the CARESAct - SECTION 4021 The Cares act requires the account be reported as current, i.e., the payment history field should be reported as not being past due while the account status field should be reported as current.
Consumer complaint received 2021-09-07
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/2021 XXXX charged XXXX for a rental car I did not pick up nor use. I went to the ticket counter on XX/XX/2021 three times because they stated they cancelled and voided out the contract but however did not release my XXXX. This is my rent monies they are holding and wont release my monies I gave them. This is fraud. I did not authorize this charge at all. Every day they said they are releasing the funds and have not. Capitalone states they have not released my funds. XXXX gave capital one a verbal by phone, that its okay to release the pending hold and capital still holding funds. XXXX even offered capital one an authorization to release fund and Capitalone still will not release Thank you
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

On XX/XX/2022 I deposited a cashiers check for {$5000.00} dollars at the Fifth Third bank in XXXX Indiana. When attempting to draw the money out I was of the check was fraudulent I told the bank manager it was not n to call the the bank the check was written on which he totally refused to do. I then contacted the sender he called his bank they told him the funds were there n the money was in my account. My bank manger said the check clear on there end. I have called the bank manager n the fraud department they still have the check theyve locked my account. This cashiers check is valid n I am in need of my money. Im not getting anywhere with the bank or fraud department n the sender of the check is not happy at all. Please help me solve this issue Thank XXXX XXXX
Consumer complaint received 2022-05-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

I came out of forebearance and requested hardship and wrote a letter and signed a mortgage assistance form as request to my Mortgage Lender Citizens One.

I was granted a Loan modification to begin 4 trial payments, starting XX/XX/XXXX. {$2500.00}. 

The Problem I am having is the Mortgage Lender Citizens One... will not provide or mail me any new paper payment statement. I have numerous time, called the Lost and Mitigation department and have gotten the round around. The Loss and Mitigation dept. at Citizens One, say I need to contact customer service, then customer service says I need to contact the Mortgage dept, then the Mortgage dept says I need to contact the consulting dept, then Consulting Dept, sorry ... .but only the Lost and Mitigation department can correctly send you a new payment statement with the new loan modification so i can submit a payment. Other wise i am being told by the customer service that my payment is {$2800.00} ... and do see the new payment being change on their screens. 

Customer service has no records of the new payment being changed from {$2800.00} to {$2500.00}. So I keep going around and around in circles. I requested to speak to a manager at the Lost and Mitigation - the representative says - she can not transfer me to complaint to their manager ... that I need a new payment statement with my loan modification to show the payment {$2500.00}, Still I have not received any new payment statement to my address or at my email.

This load modiciation made to my mortgage is now for {$2500.00}. It is a trial to make 4 monthly separate payments of {$2500.00}, if i fail to complete the trail... .my home could go into foreclosure.

Another problem, is Citizens One, still have not provided me with years end 1099, i have numerous time... requested that be sent by mail or email to me ... to this day... they still have not provided this request. 

I also requested a Hardship to Citizens One due the death of the co-borrower ( joint ) account with XXXX XXXX my partner of 20yrs on the mortgage. 

XXXX XXXX died of XXXX and request Citizens One for relief until end of XX/XX/2022. I still have not heard back after I provided his death certificate and information obituary from the news paper. I signed the form for Mortgage assistant as requested by Citizens One.
Consumer complaint received 2022-05-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Idaho Housing And Finance Association (TX)

I was placed on covid forbearance since XX/XX/2021 which really helped during difficult times. When the forbearance ended, I contacted my mortgage company XXXX Idaho Housing and Finance Association ) to see what my options were. They informed me that I could do loan modification or just resume payments. If I was to resume payments that all the months that I did not make payment due to the covid forbearance will be reported as unpaid and will greatly impact my credit. I spoke with a couple of representatives that informed me of the same thing. I was very upset to find that the help I thought I was receiving during this trying time will very much hurt me financially. I assumed that this was a great program to help all Americans struggling but was dreadfully very much wrong. Feeling that I had no other choice but to do a loan modification. I thought that federal government enacted measures to help. Renters received billions in ad and did not have to pay anything, but homeowners ultimately did not receive any help. Homeowners must pay either by refinancing payments or putting at the end of loan. Moreover, having credit being negatively impacted. I spoke with other homeowners under different mortgage companies, and this was not the same case.
Consumer complaint received 2022-05-03
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. (PA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-03
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. (NC)

Account Name : XXXX, NA Account Number : XXXX XXXX accordance with the Fair Credit Reporting act XXXX  Account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-02-07
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2019, I received an email from Experian that a new addresss was being associated with my social security. I immediately viewed my credit report and noticed a delinquent account that had gone to collections. The collection company is XXXX XXXX and they bought the collection from XXXX. XXXX is a home security company. My credit report shows an address in XXXX, GA. I have never lived in XXXX. On XX/XX/2019, I called XXXX and Experian and requested freezes and fraud prevention bc of the new address and the account. I even filed a police report with the belief that this was fraud. 

I also contacted the collection company. In speaking with them, they advised me that XXXX had installed a home security system at the home with the address now being used on my social. The account had been opened several years ago but recently went unpaid. This made no sense. The collection company advised me that they would delete the account from my credit report given that it was not me and that I did not open the account. XXXX immediately removed the account from my credit report. However, Experian has refused to remove the account. I have attempted to dispute not only the charge but the new address with them on multiple occasions. Following my conversation with XXXX XXXX, I did a search of the property address and the owner of the property is XXXX XXXX XXXX. My name is XXXX XXXX. Further searching I was able to determine that she is a XXXX year old, XXXX XXXX  woman. I am a XXXX year old, XXXX woman. Clearly, the collection agency made a mistake with the social security numbers given how close our names are. The tax record from XXXX also shows the owner of the property as XXXX XXXX XXXX. I have submitted proof of my driver 's license, the property record and the email from the collection company telling me the account has been deleted yet they keep denying my dispute. My credit score has gone from an XXXX to a XXXX on Experian. I have spent countless hours on the phone etc trying to get this rectified to no avail.
Consumer complaint received 2022-05-03
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. (NC)

ACCT NAME : XXXX XXXX ACCT NUMBER : XXXX in accordance with the Fair Credit Reporting act XXXX  Account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A., It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX XXXX XXXX {$1600.00}
Consumer complaint received 2021-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

I am trying to payoff my existing mortgage with Community Loan servicing. On the payout form they have charged an additional four and three eighths percent or {$980.00} to my principle balance. this represents a full years interest on the existing loan. There is no explanation " includes 2nd UPB ( {$0.00} ) and " interest at 4.375 %. Can they do this? Have I any recourse? Thank you in advance for any advice you can offer. 
XXXX XXXX
Consumer complaint received 2018-06-15
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CITIBANK, N.A. (MO)

I called Citibank executive office and asked for XXXX and a guy named XXXX XXXX laughed at me and made more Deragotory comments after my initial complaint about racial discrimination. That call took place XX/XX/XXXX at XXXX and there is a screenshot attached. Futhermore the vehicle is now damaged from the leaking and has also ruined my garage. Here are 3 videos you can download files to large to attach. The video can be downloaded for free as a guest at this links - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-25
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: EQUIFAX, INC. (TX)

I received a notification stating my balances has decreased but new collections added. I know that I should not have any new collections so I viewed my Equifax report and noticed that accounts that were dele ted 2  to 3 years ago has reappeared on my credit report. According to the law I suppose to be notified within 5 days of a collection item being placed back on my credit report. I was not and the following accounts were added without prior notification which is agent FCRA. I spoke to  XXXX  at equifax and he refused to help me and I advised him that according to the law that I am sure he is aware of that I suppose to be notified in writing. The following accounts were added without notice and I need them to be removed IMMEDIATELY. I also spoke to  XXXX  which stated she was a supervisor.Spoke with the supervisor and she was not willing to help in anyway and basically told me I was lying about the accounts being removed. She grilled me as to how I received the information and I explained to her I had the information in my files and she stated that they dont have it so how do i.    1.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  was readded back and was removed  XXXX   XXXX ,  XXXX  2.  XXXX   XXXX   XXXX    XXXX  was readded back and was deleted   XXXX   XXXX     3  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  was readed back and was deleted  XXXX   XXXX ,  XXXX  4.  XXXX   XXXX   XXXX    XXXX   XXXX  was readded back and was deleted  XXXX   XXXX ,  XXXX   5.   XXXX   XXXX     XXXX   XXXX  was readded back and was deleted  XXXX   XXXX   XXXX  6.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  was readded and was deleted  XXXX   XXXX ,  XXXX
Consumer complaint received 2021-09-07
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. (PA)

This is XXXX XXXX , who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-05-03
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. (TN)

In accordance with the Fair Credit Report Act XXXX  account XXXX  XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has been 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 an account without my written instructions