davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I received an updated report history on my credit file from delinquent to current on one of the accounts I previously reported as inaccurate ; however, the company closed the account immediately after this occurred but did not update the credit file on the second card as requested. I have continuously asked this company to update my credit file to current so I can resume payments on the account, even offered to pay the account in full to delete the negative payment history because this is affecting my credit history in an attempt to purchase a home. I would like for the remaining account that is open to be updated to the current so I can resume payments on the account. As stated before, I was under financial hardship due to my personal bank account being compromised, and have made every attempt to resolve this issue. Per the letter that was sent back in XXXX, the company stated they were going to close these accounts ; however, again one has remained open and constantly reporting late so this is an inaccurate reporting.
Consumer complaint received 2019-01-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

This is not a valid debt, the charges made to the card were for car repairs which were not authorized and did not resolve the issue of the check engine light being on.

Additionally the credit card company SYNCB/CAR CARE XXXX  continued to charge interest and late fees well after the account was charged off to a total of {$1000.00} in late fees and additional interest. The credit limit on the original card was {$2100.00} the total amount finally charged off as bad for the unauthorized charges and work on the car was {$3100.00}.
Consumer complaint received 2019-01-22
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc. (CA)

I submitted a {$200.00} gift card to be sold on the XXXX XXXXwith the confirmation email indicating I should receive payment within 1-3 business days. After two weeks of hearing nothing, I reached out to XXXX  supportwhich is limited to an email account. That email went unresponded to, so I attempted to call Blackhawk, its parent company, and was put directly through to voicemail despite it being business hours. When I left a voicemail, I additionally received no response. After browsing public reviews left by countless others both on sites such as XXXX as well as directly with the XXXX, I am concerned this company is committing fraud against the public and operating on a license that should be reviewed.
Consumer complaint received 2019-07-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (AL)

Citi reported my account was 30 days past due on XX/XX/2019. The account was not past due. The information was inaccurate and retaliatory due to complaints filed to the CFPB in response to practices by Citi Cards. The link on the XXXX  website is not working to submit an online claim.
Consumer complaint received 2019-07-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MD)

I am making payments regularly to pay my mortgage in advance by sending in weekly or biweekly payments to pay additional principal each month. I am not doing this because I can not afford my mortgage. I am paying to pay additional funds towards my principal. 

Instead they are putting my funds in suspense, not applying my overpayment, and sending me loss mitigation. Right now with a credit of over {$780.00}, I have late fees on my account despite an overpayment. I do not understand why they are refusing to take extra money. Shouldnt I be allowed to pay more?
Consumer complaint received 2018-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My identity was stolen between XX/XX/XXXX-XX/XX/XXXX. As a result, multiple accounts were opened and used without my knowledge. XXXX XXXX XXXX XXXX was one of the accounts listed in my identity theft report. There was fraudulent charges on my personal checking account, my business checking account, an auto loan was taken out, and my credit card was compromised. I reached out to XXXX XXXX several times about my business account in which XXXX XXXX charged my business account over {$750.00} in fees due to the account being hit with multiple ACH attempts. The car loan and credit card are still present on my credit reports to date. I was told by XXXX XXXX to file a police report and send it to them to get these accounts removed from my credit reports. They have yet to respond and it has been over 3 weeks.
Consumer complaint received 2019-01-22
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Services, Inc. (OH)

I was forced out of forbearance by XXXX XXXX in XX/XX/XXXX ; at this time NCS contacted me about debt and I started the rehab program and completed my 9 months of payments and around the end of the 9 month I didnt have a job but they were calling me everyday because they wanted to add a card to the account. I was unemployed and borrowing from relatives to make my last few payments. XX/XX/XXXX is when I contacted them for a missed payment, made a payment and was advised that ; that was my 9th payment and I was now in my transfer period. All correspondents stopped while in my transfer period they did not mail me any statements saying my payments were due for the transfer period. Up until this time I was mailed a billing statement every month telling me my payments were due. When I contacted NCS they said it is not mandatory for them to send the notice!? Now I'm in a TOP that I cant get out of!! This should be against the law!!
Consumer complaint received 2018-02-02
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)

Personal Statement : MY WALLET WAS STOLEN BACK XX/XX/2010, I HAVE ALREADY TRIED CALLING ALL 3 CREDIT BUREAUS SEVERAL TIMES, SENT IN POLICE REPORT, AND RECEIVED NO HELP. I CONTACTED THE POLICE AT THE TIME IT HAPPENED AND WAS TOLD THERE WAS NOTHING THEY COULD DO SINCE I DO NOT HAVE THE NAME OF THE PERSONS RESPONSIBLE. I HAVE CONTACTED THE COMPANIES PERSONALLY FOR ALL THE INQUIRIES ON MY CREDIT REPORT ANS ALSO NO HELP. I HAVE DONE MANY THINGS TO TRY AND CORRECT THE MISINFORMATION ON MY CREDIT REPORT, AND ALL THE INQUIRIES ON MY REPORT. THIS IS VERY STRESSFUL AND HAS CAUSED A STRAIN ON MY FUTURE FINANCING ALL BEACAUSE SOMEONE STOLE MY IDENTIY. IT'S HENDERING ME FROM PURCHASING A HOME AND I HAD TO GET MY MOM TO HELP ME FINANCE A CAR. PLEASE HELP ME CLEAR THIS MATTER UP IF YOU CAN THANK YOU.
Consumer complaint received 2022-07-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (CT)

I have over {$200000.00} in a Citi bank XXXX bank. It has been in the same account and cleared for over XXXX months. I have now tried to transfer that amount to my XXXX XXXX XXXX account. After hours long phone conversations ( and " chats ) with Citi employees the account transfer was approved. and i have been sent a " sucessful '' confirmation email. All levels of account information have been given and approved. In each case, the following day, I have been sent an email by Citi saying my transfer was " Cancelled ''. No reason given. All account information ( routing, account # ) was checked and was found to be accurate. Today ( the third day ) I spoke to a representative at the given phone number who could not give me a reason why this had happened. I asked to speak to another representative ( nicely! ) and was put on hold ( a recording ) for XXXX minutes and then hung up on automatically. The " Confirmation of Transfer '' reference number is XXXX XXXX XXXX XXXX. My money has been held XXXX now for over a week with absolutely no recourse and no branches for over XXXX miles and I am XXXX XXXX XXXX. Can you help me free my funds? thank you " ''
Consumer complaint received 2018-02-02
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: Southwest Credit Systems, L.P. (IL)

To whom it may concern : I have several collection accounts on my credit files from a collection agency the account is as follows : Account XXXX XXXX ( original creditor not listed ) account # XXXX XXXX   XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX   account # XXXX XXXX, XXXX, XXXX Southwest Credit SYS XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX   XXXX ( XXXX XXXX XXXX ) XXXX account # XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX ) account # XXXX ( XXXX XXXX ) XXXX, XXXX, XXXX Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX  ). I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois. 

Your immediate response will be greatly appreciated. 
XXXX XXXX XXXX
Consumer complaint received 2019-01-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (OH)

I was on a repayment forbearance program. I am on government assistance ; which is what qualified me for the program. XX/XX/2017 I recieved communication that I needed to resubmit my documentation from XXXX to continue my forbearance which I did. XX/XX/2017 contacted XXXX XXXX to ask about a notice I received that they no longer service my loan that it had been sent to collections. I should not have been in default! For the last year or more I was working with a creditor XXXX making {$5.00} payments that I couldn't afford! Point is I should never have been taken off of the forbearance program! Now I'm in a tax offset which will take my hard earned money!! There is nothing stopping XXXX from forcing people into default that dont belong!!
Consumer complaint received 2019-07-12
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 disputed some inquires in Late XX/XX/XXXX to remove some inquires due to a Victim of their Inquiry issue. I received a letter it was not resolved a deleted. Here are the in inquires XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-07-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (LA)

I have been making payments on these loans since ive been XXXX XXXX. I entered military service XX/XX/XXXX. I was uninformed about scra right until about XX/XX/XXXX. I  called the company, they dropped my rate and back paid for interest to my principal. My loan was sold from XXXX to XXXX XXXX. Now, my rate is back to the max of 6 % ( per SCRA guidelines ) from the 3.2 % it was before. And to add insult to injury. I have paid {$11000.00} on the loan as of this writing. {$6100.00} to principal and {$5200.00} on interest. My outstanding balance on a {$15000.00} loan disbursed in XX/XX/XXXX on a 10 year loan is {$10000.00}. Nothing adds up.
Consumer complaint received 2022-04-28
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. (IL)

In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2019-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ZIONS BANCORPORATION (TX)

I tried to get to the bottom a Foreign Transaction Fee charged to my account. When I called the first time the customer service representative, CSR, lead me to believe it was XXXX fault. When I called XXXX, they had no record of this charge. 

I call the bank back to inform them there was not record of it at XXXX, the CSR, said it was a fee the bank charges. She said it was in the fine print. 

This is wrong. How am I to know when am going to be charged a Foreign Transaction Fee when shopping on the internet? The CSR went on to say it was in the fine print of their paperwork. This will not help me when shopping on the internet. I won't know until I am charged the fee.
Consumer complaint received 2018-02-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (CA)

Hello, I had an auto loan with the XXXX XXXX XXXX XXXX back in XX/XX/2013. During this time I was facing a financial hardship and lost my job during this time. I was a little late on making a payment. A few weeks later I was able to get back on my feet and obtain a new job. Eventually the car was paid off with this company.
Consumer complaint received 2022-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (IN)

My significant other has been in dispute with Chime XXXX for XXXX days as of today, XX/XX/2022 for the amount of {$600.00} after he was the victim of a scam after attempting to purchase an item online. The so-called 'merchant ' that made the sale with him has not responded to any communication by phone, text message, or e-mail. The 'merchant ' also refuses to respond to law enforcement. The purchase was made XX/XX/2022. The item was never shipped. A tracking number was never provided through any shipping service both foreign or domestic. The item was never received. 

He has submitted 42 separate screenshots on multiple occasions to Chime XXXX in regards to this dispute requesting a refund. The screenshots include the transaction, the receipt for the item, the receipt of the entire transaction, the lack of response from said 'merchant ' for the past 30+ days, the repeated denials from Chime 's so-called 'Investigation Team ', the item being relisted by the same seller, the police report from our local police agency indicating that he is a victim of fraud, the first letter Chime requested, and the subsequent second letter after the third denial of refund. 

For the third time, his refund request was denied stating that " no error occurred and customer must contact the merchant ''. The merchant is clearly fraudulent and will not respond. Law enforcement even acknowledged the fact that this person was a scammer. Chime still refuses to refund his money and has demonstrated blatant disregard of acknowledging or assisting him as the victim of a cyber-crime.
Consumer complaint received 2022-11-30
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. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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  XX/XX/XXXX
Consumer complaint received 2023-08-24
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. (CA)

I filed a dispute because over a month after I had paid off my account, and the creditor of the account had sent me a letter stating it was PAID IN FULL and is closed. Experian had not updated the item. Whether this was because it had not been reported yet or otherwise is unclear. They closed the dispute as updated information, falsely marked the most recent balance as updated on XX/XX/23, over a month after it was paid off and kept the pre pay off balance. 

Worse they wont let me file a new dispute denying it saying I can not file it again. 

It also states I need to upload documents but when I do the result is still the same and it wont let me file a new dispute. 

They did not tell me how they verified this information either.
Consumer complaint received 2019-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

I called to ask for a retention offer and I never gave permission for them to close my credit card. I complained about 1. bad service 2. the annual fee.

The call got disconnected ( which in such a case has happened before and nothing happened after that ) and my credit card got closed 9 hours later against my consent and will. 

I tried to have them reinstate it and they claim the card is no longer offered which is a lie at it's best. The card is a XXXX XXXX XXXX XXXX. 

I would like to add that this has happened to me before and I was shot down by Amex all day until I opened a CFPB complaint ... ... it seems Amex won't move until they get pressed against the wall.

See link below that it is still being offered : XXXX XXXX XXXX I called them numerous times and spent more than 5 hours on this and was told yes we will get it sorted and all this and then only to get told no later on in the phone call. 

In addition I have some {$7000.00} in charges that are eligible for XXXX points per dollar which is XXXX points and now I will also be losing these points.
Consumer complaint received 2018-02-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CBV Collection Services Ltd. ()

The Company is CBV Collection Services. 

XX/XX/XXXX ( while in emergency hospital care with my daughter ) : Times : XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX, XXXX XXXX. 

All phone calls. I called back XX/XX/XXXX at XXXX and told them to take my number off the system and to stop calling and to contact me by mail only, the woman refused to and stated that it requires manager approval, I stated that was unacceptable and quoted harassment which was a violation of the consumer protection laws of XXXX. 

If they call me again, I will file criminal harassment charges, I had to block 7 different numbers already and they just keep auto calling with their system. If I answer it stays in call and empty for 4 seconds then hangs up again. 

Again 1 more bloody phone call that wakes up my SICK daughter with a XXXX XXXX, and I will pursue this to the fullest extent of the law and sue them for every bloody penny they are worth!!!!!!!
Consumer complaint received 2022-08-27
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. (TX)

XXXX and Experian violated my rights according 15 U.S.C 1681i ( A ) ( 1 ) ( a ) and 15 U.S.C 1681i ( 5 ) ( D ) they claim to have conducted a proper investigation into my dispute but how is that so if my credit report with both bureaus is still showing the same inaccuracies. I am disputing a charge off account XXXX XXXX XXXX the high credit limits are inaccurate, dates opened are inaccurate, dates last active are inaccurate. XXXX performed an investigation into my dispute and found the inaccuracies and promptly deleted the account off my credit report with their bureau. I asked both XXXX and Experian what process was used to verify the account all it said was account updated. If they performed an automated investigation according to 15 U.S.C 1681i ( 5 ) ( D ) they would have found the information about the inaccuracies processed by XXXX. I am also disputing inquiries put on my XXXX credit report. XXXX XXXX inquiry dates XX/XX/2022 and XX/XX/2022, XXXX XXXX XXXX inquiry dates XX/XX/2022 and XX/XX/2022, XXXX XXXX XXXX XXXX XX/XX/2022 I was deceived by their pre-approval offer and was not aware hard inquiries would be put on my credit report. Also 15 U.S.C 1681 602 A : states i have the right privacy 15 U.S.C 1681 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

I contacted the 3 reporting services about fraudulent activity in connection with my credit report and instead of them acting as I requested, they posted unrequested fraud alerts and consumer statements to my credit report. This, in turn, rendered my reports useless for me to use.
Consumer complaint received 2019-01-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (IN)

I have been attempting to apply for a loan modification for several months with loanDepot. I am working with a non-profit and HUD approved housing counseling agency to submit my modification paperwork. On XX/XX/18, I received a letter from loanDepot that my application was complete and that I should expect a decision within 30 days. I received no further communications from loanDepot about the status of my paperwork and then received a letter on XX/XX/18 advising me that XXXX XXXX was now my new loan servicer. When I contacted XXXX XXXX about the status of my paperwork, they advised I would have to apply all over again. This is incredibly frustrating and my counselor advises is contrary to federal law regarding the servicer 's duty to issue a decision within thirty days  of a complete file as well as their duty to send my loan modification paperwork to the new servicer.