davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica (IL)

I receive my SSI on my direct express card and it is connected with Comerica Bank. My account has been HACKED three times and have had to get new card from direct express. And have gotten charged XXXX and XXXX for expedite shipping three times when this has happened and should not have been charged because it WAS NOT MY FAULT. I get my SSI deposited second Wednesday of every month and can not be worried every month if I can get access to money that I have worked all my life to receive. Comerica is FDIC INSURED and also need my {$1400.00} put back on another new card and they are refusing to do so. Comerica keeps telling me to call direct express and just can not get any straight answer! RIDICULOUS and I'm tired of waiting. THIS IS ON COMERICA BANK and needs to be fixed!
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

XXXX, Equifax and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 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. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2019-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP (NY)

We had a missed auto pay in XX/XX/XXXX. We made emergency payment. They said we were all set. Then they never took money out. Months passed. We made more Emergancy payments. Said we are all set again. It was t the case. They dont service the loan they sell. Cant answer us if we are back on track. Cant e mail us confirmation.
Consumer complaint received 2023-09-11
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. (NC)

I HAD CONTACTED TRANSUNION NUMEROUS TIMES REGARDING MY CREDIT REPORT ON XX/XX/2023 ON XXXX, XX/XX/2023 AGAIN ON XXXX ; ALSO I WROTE A LETTER REGUARDING THIS ISSUES THAT ARE AFFECTING MY CREDIT HISTORY. A FRAUD ALERT WAS PLACED ON XXXX, XXXX  AND AFTER THAT MANY IMQUIRIES WAS PLACED. THERE ARE 6 HARD INQUIRIES AND NONE ARE MADE BY ME. THAT IS AFFECTING ME DRASTICALLY TO THE POINT THAT MY SCORES WENT DOWN BY XXXX POINT .. AT THIS POINT I AM VERY DISAPPOINTED BY TRANSUNION THEY CLAIMED THAT THEY CAN NOT REMOVE NONE OF THE INQUIRIES WITHOUT ME GETTING A LETTER LETTING THEM KNOW THAT I DONT HAVE ANY ACTIVE ACCOUNTS.
Consumer complaint received 2024-02-05
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. (FL)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX Balance : {$760.00} ; XXXX XXXX Balance : {$35000.00} ; XXXX XXXXXXXX  ; XXXX XXXX XX/XX/year>.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I applied on XX/XX/2020 for a car at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I was told that based on my credit at the time I would need to put more money down. I advised I would not be able to at the time. The dealership went on after I left to apply to several banks and finance companies without my permission on the same date. 
I did not give permission for them to submit my credit information to the following companies listed on my Transunion Credit Report : XXXX  XXXX  - XX/XX/2020 XXXX  XXXX - XX/XX/2020 XXXX - XX/XX/2020 I have reached out to this company and each of the companies listed on my credit report as well as disputed this with Transunion and they all advised me to contact XXXX XXXX XXXX who told me to contact the financers or banks and credit bureau to dispute. I am tired of going around in circles so I am filing a complaint to get these inquiries removed. I did not authorize anyone to run my credit more than once. I have been trying to get this cleared up for too long and this is affecting my credit negatively.
Consumer complaint received 2019-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (DC)

In short, FedLoan Servicing can not be trusted to correctly count the number of qualifying payments made for PSLF. They have repeatedly given me incorrect and misleading information about the number qualifying payments I have on my loans before I am eligible for forgiveness. As I have certified my employment properly, these numbers should be continuing to increase by one qualifying payment per month. Instead, here are the dates of letters I received from FedLoan Servicing and the number of qualifying payments they told me I had made in that letter : XX/XX/XXXX 52 Qualifying Payments XX/XX/XXXX 52 Qualifying Payments XX/XX/XXXX 52 Qualifying Payments XX/XX/XXXX 63 Qualifying Payments XX/XX/XXXX 74 and 77 Qualifying Payments ( for the two federal loans I have always paid together ) XX/XX/XXXX 67 and 76 Qualifying Payments ( for the two federal loans I have always paid together ) XX/XX/XXXX 44 Qualifying Payments XX/XX/XXXX 84 Qualifying Payments XX/XX/XXXX- Letter from FedLoan- CFPB Response 84 Qualifying Payments XX/XX/XXXX Letter from FedLoan- rejection of PSLF Application 100 Qualifying Payments Most notably, how could the number of qualifying payments between XX/XX/XXXX and XX/XX/XXXX DECREASE by over 20 payments? How could it then increase in 4 months (XX/XX/XXXX ) by 40 payments?? They are just throwing random numbers out there. 

I was rejected for PSLF  on XX/XX/XXXX and in that rejection FedLoan stated I had made 100 qualifying payments. Just two months earlier, on XX/XX/XXXX, they told me I had made only 84 qualifying payments. This is not possible. 

This organization has no idea what is going on. Of course they did not provide an accounting of the payments they counted or didn't count as qualifying with my XX/XX/XXXX rejection, because they are just throwing random numbers out there. I have requested an accounting from them directly anyhow. According to my records, I have made 120 qualifying payments, and it is undisputed I have worked for a qualifying federal government agency continuously since XX/XX/XXXX. I should qualify to have the balance of my federal student loans forgiven under PSLF.
Consumer complaint received 2021-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

On XX/XX/XXXX, Shellpoint Mortgage Servicing mailed a notice of Mortgage Payment Change of {$860.00}. Since this notification of mortgage payment change, Shellpoint has sent monthly mortgage statements showing the following balance to be paid for each month : 1. XX/XX/XXXX ( {$1300.00} ), 2. XX/XX/XXXX ( {$1300.00} ) 3. XX/XX/XXXX XXXX {$1300.00} ) 4. XX/XX/XXXX ( {$1300.00} ) 5. XX/XX/XXXX ( {$1300.00} ) 6. XX/XX/XXXX ( {$1300.00} ) 7. XX/XX/XXXX ( {$1300.00} ) 8. XX/XX/XXXX ( {$1300.00} ) 9. XX/XX/XXXX ( {$1300.00} ) XXXX. XX/XX/XXXX ( {$1400.00} ) 11. XX/XX/XXXX ( {$1400.00} ) 12. XX/XX/XXXX ( {$1500.00} ) 13. XX/XX/XXXX ( {$930.00} ) I have requested from Shellpoint a detailed explanation for the additional charges showing as overdue payment. Shellpoint has made false claims of not receiving monthly payments. After forwarding proof of payments from bank records and requesting payments to be credited to my account. Shellpoint continued to add overdue payments and late fees. On XX/XX/XXXX, I sent a check to Shellpoint for {$1500.00}. As of XX/XX/XXXX, the Shellpoint Monthly mortgage statement still shows an overdue payment of {$310.00} and the {$1500.00} paid on XX/XX/XXXX not properly credited. After two years of disputing bogus charges and lies about not receiving payments Shellpoint sent a refund check in XX/XX/XXXX in the amount of {$1000.00} showing as a surplus with no explanation about what the refund represents.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XX/XX/XXXX, XX/XX/XXXX and Experian CRA. On XX/XX/2020, I mailed XX/XX/XXXX, XX/XX/XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

XX/XX/2018. After further research regarding my Equifax credit file I found that my personal information had been breached. After several attempts to have inquiries, collection accounts that have not been validated as belonging to me, and a bankruptcy reporting after being removed from my XXXX report I've still yet to see any changes being made. This has caused a major issue for me when legitimately trying to acquire a mortgage and financing a vehicle for my families needs.
Consumer complaint received 2018-02-09
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 — Was not notified of investigation status or results
Company: HW Holding, Inc (MD)

On XX/XX/XXXX I sent a written debt validation letter certified to Hunter Warfield in regards to an outstanding balance from XXXX Properties. 

On XX/XX/XXXX I received a verification of debt letter dated XX/XX/XXXX from Hunter Warfield. On XX/XX/XXXX I contacted Hunter Warfield in regards to outstanding debt, and was notified that the account had been reported to the credit agencies on XX/XX/XXXX, during the 30 day Debt verification process. 

Account reported during Dispute period, which I believe may have violated my rights under the Fair Debt Collection Practices act and may constitute as fraud.
Consumer complaint received 2024-02-05
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. (NJ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Scott Fetzer Financial Group Inc. (CA)

I reviewed a copy of my credit report and UNITED CONSUMER FINL S ran an unauthorized credit inquiry on me on XX/XX/2021. 

I never authorized such action and this constitutes a violation of my rights and a violation of my rights to privacy. Please investigate and remove such occurrence. 

Previously, I called and sent a letter to UNITED CONSUMER FINL S and asked the company to take action to get this unauthorized inquiry removed from your records, yet this unauthorized inquiry is still showing on my report.
Consumer complaint received 2020-06-04
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. (PA)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX {$700.00} XXXX {$700.00}
Consumer complaint received 2020-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (TX)

I have a credit card with Barclays US. I had a purchase of XXXX on XX/XX/XXXX. It had a 0 % interest if paid in full by 18 months and expiration date was XX/XX/XXXX. As of the statement dated XX/XX/XXXX, the remaining balance was XXXX on the original purchase of XXXX. The total remaining balance, the deferred interest charges this period and deferred total interest were all mentioned in the XXXX statement. 

In order to avoid paying interest, I made a payment of XXXX on XX/XX/XXXX, but still the bank charged me an interest of XXXX dollars on XX/XX/XXXX XXXX statement. When I tried contacting them, they said I had other purchases and the usual blah blah blah. Finally I was able to convince them that I had paid the remaining balance subject to deferred interest. In the next statement they had credited the interest back, but gave no explanation as to why they charged me. I was able to resolve the issue, but I still want to pursue this complaint.
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (WI)

Target.com was supposed to issue a refund but did not causing Target Credit Card to incorrectly report me for late payment even though I was led to believe there will not be any charges. This was for order number XXXX. 

I called Target Credit Card several times and the representatives must first admit that this was a target.com error to remove the late payment report. But Target.com did not get back to me dispute several secure messages sent using the Target platform.
Consumer complaint received 2019-11-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I spoke with a representative on XX/XX/XXXX XXXXabd told them of my situation and why I currently can not pay a single dollar. I do not work. I don't have any means of being able to work. I have a possible opportunity coming up to work from home and training may start next month. Since that conversation I have recieved 8 phone calls. Nothing has changed and won't until possibly next month to recieve any money but yet these collectors keep calling me.
Consumer complaint received 2021-06-07
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: TRUIST FINANCIAL CORPORATION (FL)

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Consumer complaint received 2018-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XX/XX/XXXX auto scheduled payment to Bank of America credit card was rejected due to invalid account #.

XX/XX/XXXX when i try to access online bill pay, i'm given an error message to call technical support. because i'm locked out of bill pay, I can't submit payments XX/XX/XXXX i call technical support, they will submit a ticket to unlock bill pay with the updated account information XX/XX/XXXX i still dont have access to bill pay, i call technical support. they say they need valid account info to submit a ticket to open bill pay. 

my main issue is that the procedure for invalid payment is to 1. charge the  customer XXXX $ return check fee, 2. lock bill pay function, preventing customers from actually making payments online and 3. requiring a valid payment account should not be necessary if there is no outstanding balance.
Consumer complaint received 2021-02-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NC)

I would like to share this complaint as i have tried to resolve things with the Citibank about 15 times over the past 2 months and they have been of zero help. Citi offered a citigold promotion which they are still offering today. The promo was from XX/XX/XXXX to XX/XX/XXXX. Being a new client i opened a citigold account the XXXX of XXXX last year. Per their requirements after 60 days you receive the promo. I met the requirements and did not receive the promo. I currently still have the accounts opened and its been over 100 days at this point. I called in to basically say hey i have all the documents printed out here in front of me where is my promo money? The rep said i will receive it in no more than a week. I call back a week later around XX/XX/XXXX saying hey where is my promo? They said i have to now wait 90 days. I was upset, called back and asked for manager but they said i can not speak to one so i hung up. Called back a week later asking for manager but they said none are present. That rep went ahead and told me this happens often and she will open an inquiry. Once the inquiry is reviewed and if the client being me has met the requirements, it speeds up the process and i will see the promo money within 48hrs after. The inquiry was open. Received a letter in the mail stating the issue has been resolved and i met the requirements. Still no promo money so i called back and they said the rep gave me false info. Called back a week later around XX/XX/XXXX and asked for a manager, again none present. Rep said 90 days and i hung up. Today online i sent a message to the citi chat and asked for an email address to send in my issue. Rep said Citi does not have an email address. I thought that was absurd enough for me to come here to CFPB and make this complaint.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly CORRECT or REMOVE the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION (TX)

Spoke to XXXX  XXXX for the XXXX time within 4 months about inquires on my credit report they are telling me to contact the credit bureau which I did several times they are reporting inaccurate information on my credit report and it's against the law to put inquires on someone credit report without them signing anything please delete this ASAP thank you
Consumer complaint received 2019-11-15
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: Experian Information Solutions Inc. (NV)

I was informed that my information was breeched. I was advised that I should get a credit monitoring service. Then I discovered a bills with XXXX XXXX XXXX, As of XX/XX/19 I discovered XXXX XXXX XXXX XXXX for amount of {$360.00}.
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (NY)

I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company " SYNCB/XXXX '' that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

hello, my nme is XXXX XXXX. I am a victim of identitity theft. I hear about robberies all the time but never thfought id fall victim to one. I was robbed at XXXX XXXX  for my waller, purse which held all my personal information. I am writing to ask that you please remove these accounta. it is tarnishing my name and my credit. i am mot anke to get a place to live, bank accounts or credit because of thus theft. please help me