davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIBANK, N.A. (IL)

I called to set up automatic payments, Because my statements have not been mailed on time. I had made a late phone payment, Before because of this, and When I tried to make a phone payment today, My atm card number was not recognized, So I spoke to a represenitve, who transferred me to a guy and and asked for My social security number, I replied if the last 4 digits would suffice, He then gave me hard time, asking me to provide an exact date and payment, i replied I couldn't remember, but had Maile it before the due date, from a copy of an old statement, because I haven't been getting my statement on a timely manner, Then asked me when I open up my loan, Finally he said that I would need to have a checking account with Citibank, to set up automatic payments, and that I have to fill out a mailed form, I also asked him why, They don't have automatic payment information on their statements, or even show when payments were made on thier statements. He was not being cooperative, I stated I would like to speak to someone else, and he stated it would not possible, I Hung up, and called again, And spoke to another young lady, Stated my purpose, for making a payment and set up An automatic payments, And she transferred me To " the direct loan Dept. " XXXX answered, I stated my purpose, Said he couldnt help me, and transfered me to another Lady, And same thing, She said she would transfer me to some else, and I was placed on hold for a Lon while, And back to the main menu, Never ever had an experience like this before, just to try to make a payment on time, Also when I had first applied for this loan I tried to set up automatic payments, But was unable to do so, even though there was option to enroll in it, And stated my bank information was incorrect, Please do follow up, A.S.A.P Thank you, XXXX XXXX
Consumer complaint received 2019-10-07
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: EQUIFAX, INC. (SD)

I have tried today, XX/XX/19 to get my credit score from XXXX XXXX and Equifax. They want me to pay to see my credit scores and I will not. They still report that I owe an amount that is {$14000.00} more than my current total. I pay my accounts off monthly and run NO balance ever and yet they have severely reduced my credit score by over 100 points. No explanation. In spite of the fact that my balance is substantially less that last month, it appears that my scores are still 100 point lower than the average I run of XXXX : an average that I have had for years. I want to see my current credit scores from both companies for free and I want them to update my credit report accurately! I'm tired of being held hostage by inaccurate reporting info and the arbitrary dictates of these 2 greedy companies.
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I am writing this complaint because its been ignored by capital one and all three credit bureaus. 

My mother in law wanted to save me the aggravation of using my own credit cards when I pick up her groceries and medicine so she added me as an authorized user so that I can just put it on her card. 

Prior to her adding me she showed me that she paid her balance down because I did not want her credit card showing high usage as im due to settle on my house in a few days. 

Prior to her showing me her account was indeed under 30 % usage she made a payment but because of her age she forgets sometimes and paid with an account that was closed out. She did not mean to do that and I believe if you look through her account you can see she never had a returned check before in the past, Once we realized the check came back we immediately made another payment to bring the card back down under 30 % but within that same day you guys have already reported the account to the credit bureaus. 

We sent in a request to all three bureaus to update the new balance and we also requested this from capital one in which have all ignored us. 

I mean as a courtesy we are asking to understand her condition and why this occurred and also may delay or lose y house if this isn't corrected. Its been three weeks now and still no help.

Whomever receives this we ask that you can bless her by helping us out. 

Thanks in advance
Consumer complaint received 2018-06-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo is allocating my extra student loan payments in an improper and delayed manner, resulting in a substantially lower ( inaccurate ) decrease in outstanding balance. There have already been several lawsuits I read about regarding these issues with Wells Fargo. I have NEVER had a late payment and always pay extra payments on principal, in additional to my monthly payment. Below is a summary of recent concerning activity on my account : XX/XX/XXXX : overall loan balance ( includes several loans ) : {$52000.00} XX/XX/XXXX : {$400.00} extra loan payment made to one of the loans : {$360.00} applied to principal and {$39.00} applied to interest. No balance changes reflected on account several days later. 
XX/XX/XXXX : regular monthly minimal payment of {$580.00} made XX/XX/XXXX : overall loan balance : {$52000.00} Average interest rate for loans 8 %. I paid nearly {$1000.00} in a span of 7 days and the loan decreased by only {$260.00}. This is mathematically inaccurate. Bank is " investigating '' the issue, but has not been helpful in resolving.
Consumer complaint received 2016-06-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

This is what I have written to Equifax and the accounts I am disputing are in 3 separate letters and they have failed to do the following : # 1 properly investigate # 2 provide the documentation made available to me under sections 1681 and 609 as well as # 3 correct my credit report *Please see the documents that I have uploaded that contain my disputes. 
In part, this is what I wrote to Equifax : I have specifically made complaints against you to the Consumer Financial Protection Bureau in regards to your failure to investigate the accounts that I have noted as inaccurate as well your negligence in provided the required documentation I request and made available to me under section 1681 of the FCRA as well as section 609. 
Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Pursuant to section 1681 and comments by Congress, I have notified you that these accounts are incorrect and I require that you send me all the documentation that upholds the listing that you have on my credit file. Your job is not to " interpret '' the FCRA - Congress states that this is in clear language that you can not simple repeat what the creditors say and that you must go beyond what you receive from the creditors to determine if what you received is accurate or not. You have not done so and I can see that most accounts were not even investigated :
Consumer complaint received 2015-09-21
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Professional Bureau, Inc. (SC)

MERCH & PROF C B, XXXX, Tx. has submitted maliciously false information to the XXXX Credit Reporting Agency about my account with XXXX XXXX XXXX of XXXX, Tx.. Stating that I have debts opened in XXXX of XXXX and XXXX of XXXX. I left Texas in XXXX of XXXX, I have not been back. I notified XXXX XXXX of this situation Via Email on XXXX XXXX, XXXX, with no response!
Consumer complaint received 2022-08-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There was an unauthorized XXXX Transfer using my Bank of America account. I did NOT authorize the transfer of over {$3000.00} to this user. This individual used my phone without my permission to transfer money to another account via XXXX and because this individual had my phone, this person had access to the authorization code sent to my phone to confirm the transfer. 

Regardless, I did not know that this individual had access to my bank account nor did I authorize this individual to transfer money using my Bank of America app. Bank of America has denied the fraud claim because my own phone was used to transfer the money, but this does not take into account the ability for fraud to happen if an individual besides myself was in possession of my phone. 

I would like to submit a complaint that Bank of America was not following regulation E, which provides protection for consumers who fall victim to 'unauthorized Electronic Fund Transfers ' ( EFT ), requiring banks to offer the victim compensation for any losses incurred.
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BARCLAYS BANK DELAWARE (MA)

Barclays changed my name on my account without my authorization and without notifying me. Only incidentally noticed name change on my statement. I notified them of error and they changed back. Now trying to require me to submit documentation to keep my correct, legal name on account that I have had for years. Concerned that a security breach occurred to precipitate name change and they are not responding to this concern. I am uncomfortable submitting documentation to them given the sketchiness of this incident.
Consumer complaint received 2020-09-15
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft
Consumer complaint received 2019-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal Credit Union ( NFCU ) has had my accounts frozen for three weeks now. I have a balance of {$2400.00} in my checking account and a credit balance of {$1500.00} on my credit card that NFCU will not let me access. In addition, I requested to speak with a supervisor in the NFCUs security department twice ; however, I was told that a supervisor would call me back. It has been over one week since I first requested to speak with a supervisor. I desperately need access to the money in my accounts.
Consumer complaint received 2019-10-07
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. (FL)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. THESE ACCOUNTS HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT FILE AND NAME. I HAD NO KNOWLEDGE THAT THESE ACCOUNTS WERE ON MY CREDIT FILE UNTIL I RECENTLY PULLED MY CREDIT. PLEASE INVESTIGATE THIS MATTER AND HAVE THESE ACCOUNTS OFF MY CREDIT FILE.
Consumer complaint received 2019-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CA)

This letter is response to your correspondence concerning the above referenced account. 

I have checked with my state Attorney General and confirmed that the statute of limitations on this type of debt has expired. I am also disputing the validity of the debt therefore you are prohibited from reporting this on my credit report. 

Therefore, if you choose to pursue this matter in court, I will be forced to show proof that the statute of limitations has expired and will take private right of action. I will attempt to recover actual damages, statutory damages, and attorneys fees and costs. 

Let this letter serve as notification that I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. Do not contact me any further. 

Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act and California Senate Bill 233. 


This policy was canceled due to being provided misinformation by infinity. I was quoted one price and a different was attempted to be taken out of my account.
Consumer complaint received 2019-10-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

I bought my property in XX/XX/XXXX and financed it with XXXX XXXX. I refinanced in XX/XX/XXXX with PennyMac based on their solicitations. PennyMac apparently has made a huge miscalculation on the escrow portion of my loan. They listed their projection on my property tax as {$1700.00} where the taxes for my property have been {$4400.00} in the past 3 years. I realized this mistake when they send me an escrow evaluation in XXXX along with a statement suddenly asking {$800.00} extra payment on my monthly mortgage. My payment increased from XXXX to {$3000.00}. I have emailed them multiple times online on the customer service line also emailed the loan officer who dealt with my loan. They have been slacking and delaying replies. Lastly, I was able to talk to a supervisor last Wednesday on XX/XX/XXXX and he admitted there was a mistake in initial calculation of the loan but could not figure out how to solve it said he needs to contact other departments handling the loan and will get back to me the next day on XX/XX/XXXX never did. Today I left them a message said I will be proceeding with filing the complaint with CFPB asI had told them before in our communication which they do not seem to care much. 

My tax records for XXXX online at my county : 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 Meanwhile, I have paid my increased monthly payment as {$3000.00}. I believe they assume that after a while I would let it go as onmy initial call the customer servic representative told me that taxes have been going up high everywhere and that is why people now started to prefer selling home and moving to apartments which did not make any sense as my taxes remained the same for the past 3 years per my county records.
Consumer complaint received 2019-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

PHH Mortgage took over servicing my mortgage about four months ago and they keep cancelling my direct payment setup. They are claiming that my XXXX precludes me from making electronic payments. Yet, as explained to them, two previous servicing companies had no problem accepting electronic payments every month for the last eight years ( when the Ch XXXX was filed ). 

They are also claiming that my mortgage was part of the bankruptcy when in fact it was excluded, which was why I was making timely payments in the past. I explained that I have never been late on any payment and want to keep my property. 

They tried to tell me that all payments are voluntary, and I replied, of course they are and that's why I am making timely payments, and why I am volunteering to make electronic payments online so they are received consistently on a timely manner. 

Only one payment was declined by them, while the other payments have been accepted. That one payment was not late because I went online and immediately made the payment after receiving the rejected payment letter from them. 

Again, they rejected the payment and cancelled every online payment setup on their own discretion. I never authorized any kind of cancellation. I have every letter they sent me, and my XXXX XXXX goes up every time there is a letter in the mail from them. The letters always state, " per your request, '' which is a blatant lie. It makes no sense. I have no reason to cancel something I am trying to keep active. 

I suspect they are trying to force my loan into default to get rid of my HAMP loan they inherited. This is fraud, deceptive and illegal. 

Again, I have never been late, have always had EFT payments made on the first of the month with XXXX and XXXX without any issues or delays. The ONLY issues have been in the last four months since PHH took over servicing.
Consumer complaint received 2019-10-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation (GA)

On XX/XX/2019 my loan approval showing the address of the home was shared with a previous agent through email, she was blind carbon copied -- -we specifically asked that she not be sent any information. 

Later that evening the agent called our loan officer after hours and discussed our purchase.
Consumer complaint received 2015-07-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Focus Holding Company (MA)

Several months ago, I discovered an open account in Collections on my XXXX credit report. This was an account listed by Focus Receivables Management of XXXX, GA, in the amount of {$110.00}. Upon contacting them, they had stated this account no longer resided with them, and I needed to contact the original debt requester, XXXX, in order to settle it. 

After doing so and closing out any and all remaining Collections accounts with XXXX, and additionally confirming that I owe no further debt to them with a representative of theirs over the phone today, I noticed that this is still listed on my credit report. 

I contacted Focus Receivables several months ago to question this, and they stated that it was simply an error and would " fall off '' my report in 30-60 days. It has not, and upon contacting them again today, I was told the first time that the representative would need to " request her manager send a Delete Request to the Credit Bureau, but that she was currently busy and to try back later ''. Upon calling them a second time today, I was subsequently told that everyone in that department was in a meeting, and to again try back later. 

Upon further research I discovered a litany of complaints, poor reviews and suggested illegal activity surrounding this company on multiple sites, and additionally discovered they are not accredited by the XXXX. 

At this time I would like to file a complaint in order to have this erroneous information removed from my credit report, as I have done my due diligence in attempting to clear this up with Focus Receivables on my own.
Consumer complaint received 2019-10-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (CA)

I have had this best buy credit card for over two years and have purchased products in a 3 lump sums to have as part of a financing through the card. I made my minimum payments always on time and I even paid more than so I could pay it off quicker and this past month in the beginning of XXXX I called citi bank who is in charge of my card to make another payment and my balance increased by {$1600.00}. I was then told it was because my 24 month financing option ended even though I made my payments on time and more so. When I tried to resolve the issue I was told nothing could be done and now My balance is at {$4600.00} which way beyond my limit and has since ruined my credit even. I then read online that when I make they payments they split the other charge so instead of paying off the oldest one first its splits it. That's very deceitful and another way to make more money off me.
Consumer complaint received 2023-04-10
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. (MD)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : {$3800.00} XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  ) XXXX Balance XXXX {$750.00} XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

On XX/XX/2019 I disputed an account ( XXXX XXXX/XXXX ) that has a XXXX balance and is reporting a payment status of " >Account 120 Days Past Due Date< '', This account 's payment status should be paid or current. I wrote this in my dispute. The account was updated but did not correct the reporting Error.