davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (VA)

Company made an error on their end with sending me my credit card ( which was a WHOLE other situation of a dozen phone calls because the agents kept lying about details ), so they agreed to waive an overnight delivery fee. 

The card wasn't sent overnight, so I called back in to find out what happened, and they " had an error '' again on their end. I stated this was too many errors from a financial institution. They assured me my card would be overnighted and they were waiving the fee. Card received on XX/XX/XXXX, but I noticed after activation I was billed the {$15.00} overnight fee. I called in and spoke with XXXX, Operator ID XXXX, who assured me he spoke with his supervisor, XXXX, and the charge would be off of my account in XXXX hours. XX/XX/XXXX, I check my account, the charge is still there. XX/XX/XXXX, I call Barclay again to dispute this charge, I spoke with XXXX, Operator ID XXXX who was very unhelpful and refused to transfer me to someone who could help me, even though he was able to see that the notes on the account showed this fee was supposed to be waived. Horrible customer service, everyone tells you something different, it's almost as though there are no guidelines in place and people aren't being trained properly.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A. (NJ)

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We have disputed the account.
Consumer complaint received 2021-10-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Capital One Account closed XX/XX/XXXX balance {$260000.00} they say was sent to me by cashiers check via regular mail. no tracking... 

XX/XX/XXXX still no money, No check, no tracking number. Customer service no help. They say " another Team has it '' I'm out {$260000.00}, Unable to pay bills, They can't tell me when I'm going to get it.
Consumer complaint received 2022-05-16
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. (NC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX : XXXX XXXX Balance : {$96.00} XXXX : XXXX XXXX Balance : {$96.00} TransUnion : XXXX XXXX Balance : {$96.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016
Consumer complaint received 2019-07-24
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: EQUIFAX, INC. (NC)

I have had this student loan over 15 years. Never have been forgiven on any student debt when others have. My area has been affected by hurricane Florence in XXXX of XXXX. I almost lost everything. In XXXX of XXXX, i made a {$250.00} and was told i would be given a forbearance. It is XX/XX/XXXX today and they have flagged my account 60 days past due which should not be there as i was told i would be given a forbearance. Im trying to close on a home equity line of credit which will enable my family to get back on their feet and also pay the NC XXXX student loan out. This is the most deceptive treatment i have ever received and nobody their will discuss their mistake which is adversely affecting myself and my family.
Consumer complaint received 2022-10-13
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. (GA)

This is just disappointing! Despite the previous attempts to correct my Credit File by updating and or removing the disputed accounts on my Credit File, the Credit Bureaus have been doing nothing! While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. There a lot of erroneous reporting being done on my Credit File which is a clear violation of a consumer 's rights under the Fair Credit Reporting Act. I am submitting this CFPB complaint to request to the Credit Bureaus to please have investigate and remove or correct the disputed accounts completely from my Credit File : XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}. Pursuant to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, I am requesting the Credit Bureaus to please notify me when the items have been updated or deleted. Once this has been accomplished, please forward me an updated copy of my credit report to the address listed above.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (AL)

I attended XXXX  XXXX XXXX and was never able to use the degree because the school was not considered an accredited institution for the government jobs I applied for. In XXXX, I enrolled in another institution-XXXX XXXX to further my education and obtain a XXXX degree but during my last term was told that my financial aid was exhausted, so I never received my degree and I now have over $ XXXX in student loan debt and continue to be denied for any housing loans and jobs that require a degree.
Consumer complaint received 2021-10-29
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: Santander Consumer USA Holdings Inc. (IL)

I have file several dispute to the bureaus, and creditor in regards of the inaccurate, errors, name, addresses and derogatory items on my credit report.. It's well over 90 days and I haven't received any results nor correction or deletions off my credit report ... At this point the parties involved is in violation of the FCRA and compliance law.. 

pleas help me by assisting with making them comply and and remove the items off my credit report..
Consumer complaint received 2022-05-16
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-10-29
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. (MS)

I have tried to contact XXXX to fix a mess up on my credit report since the early part of the year. 

I have sent 2 letters to XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX with no response. I called the company numerous times and keep being told to send letters. I explain I have sent them letters and they claim they have not gotten them even tho 1 was signed for. 

So on my credit report, they have some inaccurate information. 

It shows that I have late payments in XXXX of XXXX and XXXX / XX/XX/XXXX. 

I called XXXX in XXXX XXXX and explained that we were notified that due to covid they were furloughing some workers and we would go on unemployment until work picked back up. I explained to them that unemployment told us that they were understaffed and there was a long wait to start receiving checks. 
I was told that I did not have to worry and because I called in prior to missing a payment that when I started getting the checks I could catch up on payments without being marked as late. I was also told they would mark my account as late due to covid 19. 
So as soon as the checks started coming in around the beginning of XXXX I paid up what was missed. 
I was called to come back to work in XXXX, we worked about 3 weeks and we were again furloughed. In XXXX with the new strain, we were furloughed again when businesses started closing and again I notified them. The person I spoke with again told me that they understood and to make the payment when unemployment started back which I did. 
Then in late XXXX we were furloughed again so I notified them and they said they would mark the account as such. 

So once I was back to work full-time I paid that account off. 

In the comments section, it says account canceled by the creditor, and I don't see how as I continue to use the account. matter fact I have things on that same account that are being paid on. 

I tried to fix this with them several times. I kept getting transferred from one area to another. I finally contacted an attorney and the Mississippi department of banking and the attorney is looking into possible litigation because these payments were late but no fault of my own.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2022-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit Management / Midland Funding has violated my right and the Fair Credit Reporting Act, and also violated the Fair Debt Collection Practices Act, and Defamation of my Character by breaking these laws. Attached is a copy of an AFFIDAVIT OF TRUTH, a copy of Exhibit A, and an INVOICE for the violation they broke.
Consumer complaint received 2022-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

i believe that it wS a mistake to close my paypal account. I am using my paypal account for my online XXXX XXXX we are XXXX XXXX and XXXX XXXX  since XXXX XXXX week of this year. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Take care
Consumer complaint received 2019-02-14
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. (NY)

I have contacted Transunion on numerous occasions via telephonic and written correspondence concerning this serious error in their reporting. Each request to have this unverified account investigated has been unavailing. The company has not provided me with any detailed information concerning their investigations nor their methods. Nor can it be ascertained if the company has undergone or conducted any investigation of any kind. They are and continue to be negligently and willfully noncompliant.
Consumer complaint received 2015-03-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

Seterus Inc is 30 days behind on mortgage payoffs. Requests have been made by myself ( via phone and their website on XXXX/XXXX/15, XXXX/XXXX/15 & XXXX/XXXX/15 ) and by the title company doing our closing ( I do not have the dates they requested payoff ). Website states 3 days for payoff, phone states XXXX to XXXX days but when I spoke to a representative today, he stated they are at least 30 days behind, as a result we can not close on the house and the buyers may back out. Multiple websites reflect poor reviews on payoff requests. On top of that Seterus is a debt collector, not a mortgage servicer and they treat you as such regardless if you make your payment on time and pay more than what is required. By far the worst company XXXX could have chosen to service their loans!
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

This is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database. 

" XXXX XXXX XXXX XXXX '' " 2 Year Payment Description : '' " History Account '' '' XXXX XXXX XXXX XXXX XXXX '' '' Account # : Account Status : '' '' XXXX Open '' " Account Type : '' '' Mortgage '' '' Balance Owed : '' XXXX " Credit Limit : '' XXXX '' Creditor Remarks : '' '' - '' " Creditor Type : '' '' XXXX XXXX XXXX XXXX '' '' Date Opened : '' XXXX " Date Reported : '' XXXX '' Date of Last '' XXXX " High Balance : '' XXXX '' Last Payment : '' XXXX " Past Due Amount : '' XXXX '' Payment Amount : '' XXXX " Payment Status : '' '' Current '' '' Term Length : '' XXXX " Activity : '' " XXXX XXXX '' " 2 Year Payment Description : '' " History Account Account Type : Credit Limit : '' '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} '' '' Account # : Account Status : Balance Owed : Creditor Remarks : '' '' XXXX Open {$39000.00} - '' " Creditor Type : '' '' Auto Loan '' '' Date Opened : '' '' XX/XX/XXXX '' " Date Reported : '' '' XX/XX/XXXX '' '' Date of Last '' '' XX/XX/XXXX '' " High Balance : '' XXXX '' Last Payment : '' '' XX/XX/XXXX '' " Past Due Amount : '' XXXX '' Payment Amount : '' XXXX " Payment Status : '' '' Current '' '' Term Length : '' XXXX " Activity : ''
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (OH)

I paid off the credit card according to the statement on the Chase Website on XX/XX/XXXX, 2 weeks before the due date In XXXX. The balance on the website showed {$0.00} balance due after the payment cleared. They then sent me a bill for the XXXX statement for {$49.00} for additional interest.
Consumer complaint received 2019-07-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (ME)

According to the information on my profile I have paid by over $ XXXX to my loan that had an original balance on it of $ XXXX. I did defer it a couple times right after college but it has been paid consistently without one late payment for 7 years. From XX/XX/XXXXthere are capitalized interest additions totaling something like {$8900.00} because of deferments I apparently put into motion, but in addition to those capitalized interest charges, were late fees. I have been paying on this load since XX/XX/XXXX. I understand there may be significant interest, but this is crazy. I am going backwards and terrified. I spoke with a woman XX/XX/XXXX for over an hour who was rude and condescending. I spoke with another woman XX/XX/XXXXwho was nicer but had no interest in helping. 
This all came to light when I noticed my payments were not being deducted from my bank account. I checked on the Navient website and found my account was put into deferment. I did not request a deferment nor did I authorize one. So no months later ( because I did not realize at first ) I was given the option of paying all of the monthly payments at once and late fees or the capitalized interest in the amount of {$970.00} for a deferment I never requested or authorized. 
I have asked for assistance in repayment options to help find ways to see the reduction. I have asked for a breakdown to better understand how this can be a truthful business operation and not a scam. How am I going to help my son with his schooling? 
I would like loan forgiveness for the remaining balance of this loan. A $ XXXX loan over 20 years at 6.5 % is $ XXXX/month. I have already paid this off and then some. 
Please help. XXXX XXXX
Consumer complaint received 2021-10-29
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. (MS)

I have tried to contact XXXX to fix a mess up on my credit report since the early part of the year. 

I have sent 2 letters to XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX with no response. I called the company numerous times and keep being told to send letters. I explain I have sent them letters and they claim they have not gotten them even tho 1 was signed for. 

So on my credit report, they have some inaccurate information. 

It shows that I have late payments in XXXX of XXXX and XXXX / XX/XX/XXXX. 

I called XXXX in XXXX XXXX and explained that we were notified that due to covid they were furloughing some workers and we would go on unemployment until work picked back up. I explained to them that unemployment told us that they were understaffed and there was a long wait to start receiving checks. 
I was told that I did not have to worry and because I called in prior to missing a payment that when I started getting the checks I could catch up on payments without being marked as late. I was also told they would mark my account as late due to covid 19. 
So as soon as the checks started coming in around the beginning of XXXX I paid up what was missed. 
I was called to come back to work in XXXX, we worked about 3 weeks and we were again furloughed. In XXXX with the new strain, we were furloughed again when businesses started closing and again I notified them. The person I spoke with again told me that they understood and to make the payment when unemployment started back which I did. 
Then in late XXXX we were furloughed again so I notified them and they said they would mark the account as such. 

So once I was back to work full-time I paid that account off. 

In the comments section, it says account canceled by the creditor, and I don't see how as I continue to use the account. matter fact I have things on that same account that are being paid on. 

I tried to fix this with them several times. I kept getting transferred from one area to another. I finally contacted an attorney and the Mississippi department of banking and the attorney is looking into possible litigation because these payments were late but no fault of my own.
Consumer complaint received 2015-08-31
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (NY)

My FHA mortgage # was issued in 2009. According the HUD website, the monthly insurance premiums may be cancelled after 5 years ( if the mortgage terms exceeds 15 yrs ) and the LTV is 78 % or less ( based on origination appraisal ) and on time payments. I meet all requirements. I asked my mortgage company over a month ago to cancel this. They send they were 'sending a form. I have n't a word since. I want this cancelled
Consumer complaint received 2023-04-05
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: DISCOVER BANK (ID)

This is another dispute connected to a former dispute ... .dispute # XXXX I did not agree to the terms and conditions that Discovercard claimed I agreed to. I asked Discovercard to send me a copy of my agreement to this particular term : " You stated that Discovercard can not overide the terms and condition you agree to when provide your Discover card account number as a method of payment to the merchant ... '' First of all I asked Discovercard to send me the terms and conditions I agreed to because I have no terms and conditions that state by giving my credit card number to a merchant it authorizes them to charge my account. They said they would send it but they never did and I did not agree to that. It is up to them to prove that I agreed to those terms and conditions. I reject this decision. ''
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.