davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Supreme Lending (CA)

On XX/XX/2018, Supreme Lending began charging us {$2500.00} instead of {$1700.00}. They gave absolutely no explanation for the increase in charges. They had actually OVERcharged us the year before, and so we were suspcious, since they had made a mistake in XX/XX/2017 and had had to repay us. We followed up with them via phone multiple times and still, received no explanation other than that this was due " property tax increase. '' We called XXXX XXXX County and found out that no, our property taxes had not increased the amount they claimed. We went back to Supreme Lending and received a spreadsheet with different numbers but no explanation of what the numbers were. Multiple customer service agents at the corporate headquarters could provide us absolutely no description of our charges.

We finally went back to our local lender, who referred us to the regional manager. She was able to explain the charges. Basically, the corporate office had been undercharging us due to not understanding California tax law. We asked that we pay our own property taxes, not have our lender pay them, due to the incredibly poor customer service. However, they want to charge us a {$700.00} fee to NOT pay our taxes. We wrote an email two weeks ago asking the fee be waived and did not receive a response from the company.

We asked Supreme Lending when our monthly fee would go back down to {$1700.00}. Multiple agents on the phone have said it will go back down starting XX/XX/XXXX. As of now, we are still being charged the higher amount and the company is refusing to tell us what our monthly payment will be.
Consumer complaint received 2023-05-04
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: TD BANK US HOLDING COMPANY (NY)

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 an 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 any purpose.
Consumer complaint received 2019-01-05
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. (MI)

I have written to the three major credit reporting agency starting XX/XX/2018 through XX/XX/2018 about removing inaccurate information on my credit report i recieved a letter back saying that they investigated and that the information on my credit report had been verified and was accurate after i sent them documentations supporting my complaint that the courts do not report individuals cases to credit agencies. I also have an account on my credit report that i asked to be verified or deleted again this account also at the end of there investigation came back verified and accurate, but i also wrote a letter to this creditor in XX/XX/2018 about this matter and the letter came back return to sender so the address thaey have on this creditor is clearly incorrect.I also wrote to the credit agencies asking them to remove inquires on my credit report that was 30 days old or older and sent them a list of inquries that i felt inaccutate the in return sent me a letter stating to reach out to the companies that had inquired on my report I again tryinr to resolve this matter mailed out letters to the companies that had inquired on my report well again the letters were returned by the postoffice and there some companies on my report that has no contact information for the so i couldnt write them on my behalf.and another account on my credit report that i disputed came back verified and accurate i sent out letters to the creditor personaly on XX/XX/2018 with no response to my letters but also no postive response from the three credit agency they have provided me with no proof of documentations showing that these are my accounts under the fair credit reporting act they must do so after an investigation. The credit reporting methodof the three credit agenies has caused me to be denied for an auto loan,  credit cards, and a home loan and because of these actions fromt the credit bureaus and creditors this has caused me defamation of charactor and has been detrimental to my credit report.My complaint is about XXXX, XXXX, and Equifax Also two creditors that i have wrriten XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. and the person involved is myself XXXX XXXX XXXX.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

Equifax refuses to remove known inquiries that are hurting my credit. I have contacted the company several times and they refuse to remove the inquiries. They told the CFPB that they sent me investigation information which IS NOT true at all. They have yet to send proof of my consent to these inquiries as asked and I want them removed immediately.
Consumer complaint received 2021-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST CITIZENS BANCSHARES, INC. (SC)

This is a follow up to complaint # XXXX First Citizens Bank has not refunded the 2 days of interest nor have they paid me the over payment on the account. They did close the account but that's all they have done.
Consumer complaint received 2019-01-05
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. (MI)

I have written to the three major credit reporting agency starting XX/XX/2018 through XX/XX/2018 about removing inaccurate information on my credit report i recieved a letter back saying that they investigated and that the information on my credit report had been verified and was accurate after i sent them documentations supporting my complaint that the courts do not report individuals cases to credit agencies. I also have an account on my credit report that i asked to be verified or deleted again this account also at the end of there investigation came back verified and accurate, but i also wrote a letter to this creditor in XX/XX/2018 about this matter and the letter came back return to sender so the address thaey have on this creditor is clearly incorrect.I also wrote to the credit agencies asking them to remove inquires on my credit report that was 30 days old or older and sent them a list of inquries that i felt inaccutate the in return sent me a letter stating to reach out to the companies that had inquired on my report I again tryinr to resolve this matter mailed out letters to the companies that had inquired on my report well again the letters were returned by the postoffice and there some companies on my report that has no contact information for the so i couldnt write them on my behalf.and another account on my credit report that i disputed came back verified and accurate i sent out letters to the creditor personaly on XX/XX/2018 with no response to my letters but also no postive response from the three credit agency they have provided me with no proof of documentations showing that these are my accounts under the fair credit reporting act they must do so after an investigation. The credit reporting methodof the three credit agenies has caused me to be denied for an auto loan, credit cards, and a home loan and because of these actions fromt the credit bureaus and creditors this has caused me defamation of charactor and has been detrimental to my credit report.My complaint is about Transunion, XXXX, and XXXX Also two creditors that i have wrriten XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. and the person involved is myself XXXX XXXX XXXX.
Consumer complaint received 2019-01-05
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: Experian Information Solutions Inc. (IL)

I filed a dispute with Experian successfully yesterday. It was a simple deletion of incorrect previous address. I was notified by email the dispute was resolved and verified it. However when I looked at my score it dropped by 8 points. I have lived at my current address for 10 years and my previous address for 5 years. Nothing on my credit report has changed. All my accounts are current and never a late payment. Nothing changed on XX/XX/XXXX from my previous score update, other than filing the dispute. The other 2 credit reporting bureaus have actually raised my score by 6 points each, in the last week, so the only possible reason for the score and credit worthiness drop was from filing the dispute. It was my understanding this should have no reflection on my score, yet an 8 point drop in one day is horrible and I want it corrected.
Consumer complaint received 2020-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/2020 the governor of Massachusetts shut down our state over concern about the COVID-19 virus. 

As a result my wife and myself were both laid off from our jobs. 

In early XXXX, Bank of America, being our mortgage holder, graciously offered us the opportunity of a three month payment postponement which we took advantage of ( see copy of acceptance attached ). 

The agreement states that " the three months postponed payments will be due at a later date, after the three month period has ended. XXXX will work with us on repayment options, including the potential option to add the payments to the end of our loan ''.

The three months have now passed and Bank of America is now threating foreclosure if we do not pay {$9100.00} in missed payments and late fees. XXXX was not serious on working with us on repayment options since they have the payment after the three months " payment postponement '' period. 

This agreement is clearly a scam on Bank of America 's part to collect late fees by delaying the payments required. 

This is also troubling since we are both still unemployed and risk losing your home. 
Additionally XXXX XXXX may be violating our Governors eviction moratorium by threatening us with foreclosure.
Consumer complaint received 2018-12-28
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

I opened an account with Citibank. The promotional bonus was for opening a new Checking and savings account with {$15000.00} and I would receive a bonus of {$400.00}. I waited the 60 days then another 90 days for the funds to be credited to my account. I followed all the rules and regulations. I was told the extra 90 days was over on XX/XX/2018. Then I was told they did not know why I did not receive a bonus yet and that they would check. They then told me over the phone and over their online chat support that I would receive it on the XXXX then the XXXX of XXXX. On the XXXX and the XXXX of XXXX a representative told me they would put in an inquiry into what happened with the promotions department. I called on the XXXX and the rep told me she did not know why it was taking so long and that she could not give me an explanation. I have called about 10 times or more and can not get this resolved. I do not know why they are doing this and fear it might be some type of discrimination. 

This is a very deceptive and predatory prate. My money has been in that account now for 6 months receiving a very small interest rate. I could have opened with another bank and received a better interest rate so now I am also missing out while I am waiting. Please assist me in Dealing with CITI Bank they are very unfair and unhelpful. 
Although it was not a requirement I enrolled in paperless e-statements yet they continue to send via mail at times. 

I am afraid they are doing all these things intentionally to avoid paying the bonus.
Consumer complaint received 2019-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

I am writing in regards to a late payment/late payments on my credit report from XX/XX/2016 for my Navient account. I entered into a forbearance in XX/XX/2016 and was told by a representative/ agent of Navient that the forbearance would retroactive and there WOULD NOT be any late payments on my file/ account. I have since found out that there is a late payment on my credit report for all 12 loans that I have in XX/XX/2016. This wrong information on my credit report is effecting me a very negative way.
Consumer complaint received 2020-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Acceptance Corporation (TX)

I had a loan with Midwestern Financial several years ago. I didn't pay it and it went to collection. I paid the collection item in full back in XXXX of this year to the third party collectors. As a matter of fact they drug their feet on updating the reporting and CFPB got involved and solved it. I can't remeber the name of the third party company. I think it was XXXX XXXX  in California. So I paid it XX/XX/2020 and then today Midwestern reports an unpaid collection for XXXX on my XXXX. please help me. I need it completely removed.
Consumer complaint received 2018-12-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FRESNO CREDIT BUREAU (CA)

A company called XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ), attempted to collect an invalid debt from me ( I believe they made a mistake through my insurer XXXX XXXX, but did not attempt to continue collecting the debt after I contacted them and explained this to them ). 

However, later a debt collection agency called XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX ) contacted me attempting to collect this invalid debt. By doing so, they burden me with responding within a limited time frame via certified mail to fix their mistake, a practice which I am sure they realize is time consuming and likely leads to errors they can take advantage of. Attempting to collect obviously invalid debt, either through malice or ignorance, should not be tolerated. I have sent a certified letter to the company ( included below ), explaining this issue, but by reading online found both companies involved appeared to repeatedly engage in this type of malicious behavior.
Consumer complaint received 2022-02-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (NC)

A checking account was opened at TD Bank in my name. I have never heard of this bank, nor have I ever opened up an account with this bank. I did not speak with anyone by phone and I do not just randomly go to unfamiliar websites. I received 2 checkbooks and one book of deposit slips as if I opened the account.This bank could be a fraud, so I have not reached out to them. I am requesting this account to be closed. 
Thank you.
Consumer complaint received 2019-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

Citibank offered a deposit bonus of {$400.00} if certain requirements were met. All requirements were met ( verified by local branch representative ). Citi failed to timely pay the bonus and continues not to pay. When I call in to investigate I am not allowed to speak to department that makes decision. Branch representative has attempted to contact said department. They do not answer her emails. They continue to send me lettesr " ... failure to make required deposits within the required period ... '' This is not true and has been branch verified that required deposits made on time. 
Numerous other similar complaints are evident online.
Consumer complaint received 2018-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (OK)

XX/XX/2018, Fidelity Investment risk department flagged my account and froze all securities and revoked my trading etc.. Gave ultimatum which caused me to move most of my securities ( the ones they were willing to accept ) to another firm. 

I have emailed the CEO, FINRA, SEC and the issue still has not been resolved. Per Fidelity they are not required to disclose why my account was flagged by risk management. 

This has resulted in several customer service issues because by Fidelity doing this I have to engage them for simple request and they are not willing to help/leave the matter unresolved due to my account being flagged by their risk department and whatever notes they have documented. 

XX/XX/18-reward redemption {$54.00}, requested and returned due to Fidelity not allowing the funds to be deposited. 

XX/XX/18-reward redemption {$54.00}, requested and returned due to Fidelity not allowing the funds to be deposited. 

I have also contacted the Fidelity Investments credit card department and they advised I have to contact, which leads to a run around and my issues not being resolved. The issue is tat I can't have my rewards point redeemed on my Fidelity account, which is they was it's setup by Fidelity by design. Other options to redeem include gift cards etc which are 50 % less. I should not have to take a 50 % rewards redemption loss due to this customer service nightmare has created. Fidelity investment is not following what they advertised and are intetailly making this small issue huge. Please help.
Consumer complaint received 2021-07-20
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: First Federal Credit Control, Inc. (FL)

I have sent a Debt Validation letter to First Federal Credit Control, located on XXXX XXXX XXXX XXXX XXXX, XXXX OH, XXXX. After receiving the response my XXXX rights were violated because it showed some medical procedures I have received while I was hospitalized.
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

Last year in 2017 I disputed with XXXX and Experian regarding a account XXXX XXXX after I sent a written Dispute and it was later removed from my credit report.This morning I get a alert from XXXX  XXXX that the account reappears on my credit report after it was deleted.This false information has affected my ability to obtain credit
Consumer complaint received 2018-12-28
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. (WI)

Equifax is showing an account as open when it was paid and it should be marked as closed. They also have a ridiculous security question It is when was the last time you asked for a credit report or when was the last time you filed a dispute with equifax. So i was forced to mail them a letter even though i answered all the other questions correctly and they clearly knew i am who i say i am.so i was forced to put my identity at risk by mailing them a copy of my drivers license and social security number through the mail because i simply didnt know the last time i filed a dispute with them. Anyway i want the account on my credit report to be marked closed as it has been paid or i would like it deleted.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

There are two issues. 
XXXX ) Experian included my HELOC account with the credit card utilization rate, which is incorrect. This occurred approximately one year ago and took three months to get corrected. Recently, Experian began to include the HELOC once again. I was unable to dispute, since I had previously disputed, but was able to upload again a copy of the HELOC Contract where is specifically states HELOC. Experian decreased my credit score 43 points due to their error. I finally was able to speak with someone on the phone following several attempts and hours spent. This person was reading from a script and when I inquired if she understood what HELOC account was, she replied that she was reviewing my file and did not see a vendor named HELOC that I had an account. Then she proceeded to inform me that the multiple credit inquiries for a home mortgage were counted as one, again reading from a script. I informed her that is not the case, it should be, but is not. She apparently laid down the phone receiver/headset without any warning. I waiting and called her name several times and after fifteen minutes, I disconnected the call. 
XXXX ) Issues is related to multiple home mortgage inquiries, mentioned above, being counted separately rather than as one. 

Both the HELOC and multiple inquiries are spelled out as to how they are managed by Experian, but they do not manage as stated. I have asked multiple times, if it would be easier to correct, if I provided them exactly where Experian outlines the proper method of managing a HELOC balance and multiple inquiries and each time informed no. 

Experian informs you that there is a process to manage certain accounts, but they fail to manage according to their own process. I have worked diligently during the past 20 years to maintain a stellar credit score and with two opportunities, Experian has substantially impacted my credit score. Experian takes swift action to penalize you credit score, as mentioned above by decreasing 43 points, but the increase takes months to get back to the original score.

The IVR system set up at Experian is only in place to prevent speaking with someone live. Only an obstacle and not for assistance.