davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I sent a physical check to Citibank for {$1200.00} to pay my balance in full. They misapplied the payment to another customers account, cleared the check via ACH from my checking account on XX/XX/XXXX. I contacted them to file a claim and they filed a claim. I was supposed to submit the copy of my statement to 'prove ' they have my funds, they put a provisional credit on my account and I have been trying to get ahold of any claims department to get the address, fax or email address of where I can send this proof they require to get my funds, fees and credit reporting corrected. I've tried calling and I get put on a silent hold for over 10 minutes and no one will send me to the correct area to discuss! Citibank gave me a customer satisfaction fee reversal, as a courtesy, when I filed the claim. I need to know they are correcting my profile to clarify all fees, interested and credit reporting was due to their bank error, not my error. Please assist me in getting my credit card corrected due to their incorrect payment processing error. A simple search of their account database would have found my account, if they bothered to confirm where they were placing the credit.
Consumer complaint received 2018-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MN)

I have been repaying for over 5 years. I would like to find out why my loans are not being lessened every month. I pay {$1400.00} every month and it goes in to the whole total of the loan. These loans are direct and private apparently. The payment page says it is put towards my loans however I have looked for the past year that the money is some how disappearing. In XXXX of XXXX I paid the XXXX and the loan balance is {$2900.00} but as of XXXX the loan balance was XXXX. Please tell me where my XXXX dollars went? XXXX I paid XXXX again and finally the balance did go down to XXXX, something I did unfortunately not write that one down. However it appeared the money was finally used but what happened to it in XXXX? Now XX/XX/XXXX the loan shows XXXX when I went to pay the loan on the XXXX of this month. Today the XXXX I looked to see what my XXXX went It is now at XXXX. When I did the math to this my loan should be XXXX. There is a XXXX discrepancy on the loan.So my money is again missing. Please help I have no clue what to do. I have been paying the loan off for over 5 years it started at {$80000.00} and I am finally down to XXXX. Still WHERE is my money going? Thank you.
Consumer complaint received 2018-01-29
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NY)

I reached out to Ally for information on my payments because on my credit report its reporting as a charge off for early termination. I don't understand why i have been bill as all 39 payments were made in a total of {$21000.00}. Additionally when i spoke to the representative at ally she stated that the last payment made on the account was of {$27.00} on XX/XX/XXXX. Every time i speak to one of the collection agency that is taking care of the account which i believe have been two different companies they give me a different explanation to why I'm being charged. First is was for parking tickets under the title, second was early termination, Third late payment and now excessive miles and tear on the car. I believe that there payment statement is incorrect as its missing payments made to the account. Now every time I call Ally financial they forward me to the collection agency. It is very upsetting that I'm not able to speak to them in regards to the problem as i believe that the information that they are reporting its incorrect and its affecting my credit score.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent you a FTC report on XX/XX/XXXX about these fraudulent inquires and you refused to remove them which is against the FCRA. If you do not remove these inquires, I will be seeking an attorney I know my consumer rights and your company is not following the FCRA. I am a natural person exactly who I have stated on this letter. Please do not stall again your company is causing me emotional distress. I am just trying to ensure my credit report has accurate information which it currently does not.15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. *** HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FUTURE STALL STATICS FROM TRANSUNION. 

Once again here are the inquiries that WERE NOT AUTHORIZED : 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 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Reporting agencies XXXX, XXXX, and Transunion have illegally and inaccurately shared my personal information with credit companies, resulting in the denial of financial resources. After expressing disapproval, all three agencies have refused to remove inaccuracies, resulting in the filing of this complaint. 

According to the Fair Credit Reporting Act, all three reports are to supposed match perfectly but all three reports have ( or do not have ) items that are not present on one another. This is a violation of my rights and demand that inaccurate items be removed across all three reporting agencies be removed.
Consumer complaint received 2022-11-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

hey please remove this account I know you will understand me in this situation this is becoming a frustration to me.I am very annoyed and disappointed when I got my credit report just today.Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. I want this to be deleted from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX {$85.00}
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (NC)

I recently requested all of the documents for the account Ford motor credit Acct # XXXX, after finding out i had a judgement that i had no idea about. I also never recieved the proper documents after the repossession of the vehicle. ( Notice of plan to sell, statement of sale ) After closely reviewing the documents they provided and comparing to my credit report i noticed several innaccuracies, the statement of sale, the notice of deficiency, and notice of plan to sell thats supposed to give me the opportunity to buy back the car ALL had the wrong address ( everything was correct except the zip code was innacurate ) which is why i never recieved them, Also several of the payments reported are inaccurate which is causing reaging to this account. I also was never notified that i needed to be in court im guessing because the address is incorrect. I have checked with all credit reporting agencies and they have the correct address linked to this account so im not sure if it was an error or done purposfully. Either way this is a violation and shouldnt be on my report since i was not sent the proper notices after repossession happened. I want this account removed immediately. I am also waiting on all my documents for the judgement so see the accuracie of it.
Consumer complaint received 2018-01-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

Representative of company came to my elderly mothers door and sold her a loan for which he claimed the government would pay for. Included in this loan was an option to purchase life insurance. My mother purchased life insurance and amount was included with loan payments thru XXXX. XXXX  sold loan to another company etc etc. Loan is currently thru XXXX XXXX XXXX XXXX. My mother XXXX on XX/XX/XXXX 2017. I contacted XXXX XXXX XXXX regArding life insurance and was told they had no info On life insurance and was unable to access original records of XXXX so therefore life insurance could not be honored.
Consumer complaint received 2022-02-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (IL)

PNC Bank regularly sends me statements that are postmarked the XXXX of the month. I receive them about a weekly, about the XXXX or XXXX of the month. They are due the XXXX of the month. This gives me less than a week to mail a check and make sure it arrives in time. I thought federal law requires 14-21 days, am I wrong? Can they force me to panic this way every month, wondering if the payment will arrive on time?
Consumer complaint received 2016-11-21
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: MARINER FINANCE, LLC (FL)

We made on time installment payments on a line of credit for the term of the loan. After the last coupon in the book, Mariner Finance advised to call and receive the amount of the last payment. We called and left a message. We never received any correspondence or a return call to confirm if there was any outstanding amount owed. This past week we received a letter threatening us that a lawyer will be filing paperwork within 5 days if we do n't pay the past due amount which was not even listed on the letter. The letter was not certified and arrived as regular mail. We would have paid the amount due if we were aware of how much was owed but we received no final bill or correspondence in any way. We also tried to consolidate outstanding debt with a new loan by Mariner Finance and during that process was never told there was an outstanding balance due and that in order to get the loan we needed a co-signer but no mention whatsoever by the rep or by the letter received referring to the loan decision. We would like Mariner Finance to send us and the credit bureau a letter satisfying our debt paid and to acknowledge the discrepancy was caused by their inability to communicate in writing and voicemail that an outstanding balance was due that was not included in the coupon book and our credit should be restored showing no delinquency of payment.
Consumer complaint received 2021-09-01
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)

I AM A VICTIM OF IDENTITY THEFT DUE TO XXXX  CREDIT BREECH. THIS ACCOUNT IS FRAUDULENT. XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX Total balance : {$10000.00}
Consumer complaint received 2021-04-22
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: NAVY FEDERAL CREDIT UNION (SC)

The account in question was opened in XX/XX/XXXX and closed in XX/XX/XXXX. Navy Federal charged off this account and continued reporting the account. After contacting Navy Federal about paying off this debt, over the phone they agreed to a settlement amount of {$2600.00}. They updated the account as closed on my credit report with a date of XXXX 3 years after the account closed. They also never followed up and sent out the corresponding information for me to pay off the account. It's been over 6 years and Navy Federal has not tried to solve this issue with me but continues to report this old car loan as new. The statute of limitations of debt in South Carolina is 6 years. This debt should be removed from my credit report ASAP.
Consumer complaint received 2018-01-29
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 — Investigation took more than 30 days
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (AZ)

XXXX of XXXX I completed a refinance with Cardinal Financial Company, as a part of our agreement, I agreed to pay Cardinal beyond my mortgage also my taxes and insurance. And from my escrow account both would be paid on my behalf by Cardinal. However on XX/XX/XXXX my homeowners insurance was canceled due to non payment, I found there was a confusion with billing from my insurance and payment from Cardinal, we supposedly got it sorted out, I got a new Insurance policy and thought all was taken care of. XX/XX/XXXX I am notified by XXXX XXXX ( insurance ) my policy is going to be canceled again due to non payment, I called Cardinal and they told me they would send a overnight payment, again I thought all was well. The payment was not made until XX/XX/XXXX resulting in the policy being canceled. Summer of XXXX I received a bill from Cardinal for my normal mortgage plus fees and fines because of " lender placed mortgage insurance '' I contact Cardinal they agree to remove the fees if I get a new policy, I do so the new policy is in place XX/XX/XXXX and Cardinal made the payment XX/XX/XXXX. Since that date I have continued to get bills from Cardinal with fees and penalties related to the lack of insurance I have spoken to someone at there company multiple times a month to resolve the issue which in there terms was " Under Dispute '' with no resolve, until in XXXX I noticed they had started reporting my full mortgage payments as partial payments because they did not include the fees and fines associated with the forced placed insurance. My Credit has now dropped from 800+ to 700- because of their untimely payments. I would like my credit restored and the issue resolved. +
Consumer complaint received 2023-01-09
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. (NY)

I took time out to write a letter to XXXX, XXXX, and Equifax on XX/XX/2022 ; stating that the collection accounts listed on my credit report were false. They did not provide me with proof of the original contract I personally signed validating this debt. 

According to 15 U.S. Code 1692g : ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. XXXX activities and communications that do not otherwise violate this subchapter XXXX continue during the XXXX period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the XXXX period XXXX not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Consumer complaint received 2019-03-06
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

My issue is with my USAA Mortgage showing late payments on my credit report back in XXXX of XXXX to XXXX of XXXX I received some late payment marks on my credit report and again in XXXX of XXXX I received another late payment on my credit report when I discovered them I contacted USAa and explain to them my situation during XXXX through XXXX I was on two XXXX  as I am in the XXXX XXXX and I explained to them that the account that I was trying to pay the payment I was ' an authorized user but for some reason USAA told me that I was not an authorized user on the account and that's why It did not process correctly however after talking with the supervisor USAA agreed that they would go ahead and fix my credit report because all my payments have always been on time except for these few mishaps therefore they fixed my XXXX  report except for one late payment which I was okay with however they have failed to fix XXXX  and XXXX  I've called USA several times and today was my last as I was on the phone for over an hour with them each time they told me different stories and now they're refusing to fix the issue I am requesting a thorough investigation to fix my credit report like tgey did with XXXX   I'm okay with the one late payment for XX/XX/XXXX but all the others need to be removed I have several accounts with USAA and several other good standing credit reports I have a very long history of good credit please review this inquiry
Consumer complaint received 2019-03-06
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: JPMORGAN CHASE & CO. (CA)

Hi there, I applied to this Chase XXXX XXXX XXXX XXXX credit card sometime in XXXX. The card opening benefits shown to me when I applied to the card was getting XXXX reward points after spending $ XXXX within 3 months of card opening. However, after I spent more that that amount after 3 months, I didn't get the rewards back. I called XXXX first and they contacted Chase for me. Later on, I got an email saying that Chase advised that I didn't get those points because I didn't spend $ XXXX in the first 3 months. 

I contacted Chase the first time on XX/XX/XXXX and asked them to look into this. They said I got the offer which was getting XXXX reward points within the first 3 months after spending $ XXXX. However, that's not the offer I saw when I applied and I didn't even know that offer existed. I called for a second time as I heard nothing from them regrading how they would be dealing with my case. They said the previous case was being processed and they were not able to downgrade the offer. I asked them to submit another case for me based off some details I provided with them. 

I would like to say that I never saw the XXXX $ XXXX offer when I applied and I just want to get what I should get. I could have spent more if I really got that offer. I haven't heard back from Chase since then. 

Thanks, XXXX
Consumer complaint received 2019-03-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: P.S.C., Inc (WA)

I called the collection agency and when attempting to work out a deal with them, they refused to accept an offer less than the principal balance and directed me to contact the originator of the debt to work out a settlement offer. Upon contacting the originator they said that they don't develop those sort of deals, but that I could pay the balance owed. I paid the balance owed to the originator. On XX/XX/2019 I saw the collection balance increased and called both offices to see what the issue was. For the originator, I am in good standing, and they sent the notice of payment to the collections office. Upon calling the collections office they accused me of avoiding paying the interest due to their office. I was misinformed by their office as to what my options actually are and the person I talked to on the phone was unhelpful and accusatory and threatened that the interest would not be written off despite me fulfilling my obligation to the originator, whom I believe still owned the debt.
Consumer complaint received 2022-08-11
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. (NY)

In Accordance with the fair credit reporting act XXXX  Accounts has violated my Rights. 
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 15 U.S.C 1681 Section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-01-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My loan was processed at an outrageous interest rate. when everyone else was at the prime rate of 2.5 %. Also they are trying to include my son 's property on my loan. I have instructed them over and over that the lot next to me is not my property. My case is similar to the " XXXX vs Bank of America ''. I was included in this lawsuite and Bank of America gave me {$12.00} but never corrected the problem. I am paying property taxes in my loan for property that is not mine and they refuse to correct this.
Consumer complaint received 2018-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NC)

PNC Bank has taken over the servicing of the loan on my home that I live in. They are refusing to provide me monthly statements as I received from the previous loan holder. I have several other mortgage loans I received monthly statements on without problem. I am also a licensed XXXX XXXX XXXX and work in XXXX XXXX. It is important to me to be notified of my current monthly standing with my loan. I want to verify my payment was received and the funds were correctly applied. I frequently pay more than the amount due and have seen it incorrectly applied in the past. I also want to be up to date on my tax and insurance payments. I have read online the Dodd-Frank act made these notices a requirement.
Consumer complaint received 2021-09-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (FL)

I XXXX XXXX am an authorized user to my mother 's credit card account with this credit card company, and/or national association bank XXXX I desire to be removed as an authorized user as I have established my own credit tradelines. I appreciate being an authorized user as it helped me establish credit. However, I have my own credit now and I desire to have only credit tradelines that I obtained on my own. XXXX XXXX