davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-25
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: CITIBANK, N.A. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX CBNA, and XXXX/XXXX.. The Account Opened is XXXX/XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$10000.00}. The Account Opened is CBNA Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$0.00}. The Account Opened is XXXX/XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2020-01-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

XX/XX/2019 I filed a dispute online today in reference of a wrong credit report to 3 credit reporting Companies by Specialized Loan Servicing LLC SLS I relation to my mortgage No. XXXX reported to your Company as paid in XX/XX/2019 when in fact it was paid by wire transfer from the XXXX XXXX XXXX XXXX XXXX on XX/XX/2019. The wire in the amount of {$100000.00} as listed in the written payoff demand submitted on XX/XX/2019 by SLS Mortgage. A dispute ensued between SLS and XXXX over a small amount due on insurance ; finally SLS agreed to accept the settlement and sent a statement with XXXX balance due on XX/XX/2019 ( see copy attached ) SLS reported the mortgage unpaid for XXXX, XXXX XXXX and XX/XX/2019 although they received the total settlement funds on XX/XX/2019 and this has been impacting my credit score on my credit report. The mortgage was paid on XX/XX/2019 and the past due mortgage reports for XXXX, XXXX, XXXX and XX/XX/2019 must be deleted and my credit score restored to the same number it was before SLS negative reporting. Supporting documents from XXXX are available for review ; several letters to SLS mortgage requesting revision on the credit reports remain as of today unanswered. Please advise, XXXX XXXX.
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (TX)

I reached out via phone to TD Auto Finance in early XX/XX/2019 to seek a payment extension as I knew it would be tough for me to make the next payment given the substantial money Ive spent trying to repair my flooded moldy home in Houston. I took the action they required, which was to pay the accrued interest to effect the payment extension. TD claims I should have mailed in a signed paper as step 2 to  effect the agreement. The attached shows that TD confirms on pg 1 that paying the interest is whats needed to effect the agreement. Pg 2 changes it to say sign here. In short, TD reported the account 30 days late which caused all 3 of my FICO scores to decline XXXX points. Ive begged them to not apply this false 30 days late and they refuse to even consider admitting their negligent error. 

Unfortunately, Ive been through this with other lenders and none has ever required a document to me sent in : XXXX XXXX, XXXX XXXX etc. matter of act, those lenders have never required the accrued interest be paid either, but thats not my complaint. 

Ironically, Ive sent TD Auto 2 payoff checks in certified funds, and they have yet to apply either check despite having the checks for over 7 days. TD clearly has operational issues.
Consumer complaint received 2020-09-07
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

I have been doing everything in my power especially during the pandemic to make my credit score go up and it has but yesterday I noticed that Nissan reported a negative comment on my report during in the pandemic I was late with one payment I decided to dispute it yesterday and today my credit score went down 18 points why is that when I have already turned in my car lease and why would they give me a negative report during the pandemic causing very very sad
Consumer complaint received 2017-12-22
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC. (CA)

Recently I suffered a leg injury which has prevented me from returning to work and living on fixed XXXX XXXX  payment. I was informed by a co-worker via text messaging of a phone call recrived by my employer which was made by XXXX XXXX XXXX XXXX. Previous to becoming injured I had imformed this agency that the number they had was that of my workplace and that it was against company policy to take non emergency personal calls. At which point I asked this agency stop making phone calls to my place.
Consumer complaint received 2021-05-24
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: I.C. System, Inc. (PA)

On XX/XX/2021 I C SYSTEMS added a derogatory mark on my credit report per XXXX and XXXX but not XXXX Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor ( XXXX ) did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, I C SYSTEMS has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2017-12-20
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. (MO)

There are four accounts listed on my XXXX and Transunion credit reports that do not belong to me. They are all from the same company with different amounts showing. The company is XXXX. I have disputed these accounts and Transunion has supposedly deleted one of them off of my credit report. XXXX XXXX shows a notice which says : Collections Account Removed XXXX between XXXX XXXX, XXXX and XXXX XXXX, XXXX your XXXX collections account was removed from your credit report. My credit report dated XXXX XXXX stills shows them all on there. These accounts do not belong to me and I want them removed from my credit reports. 
Thank You for Your Time
Consumer complaint received 2017-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I lost my HSBC debit card in XXXX 2017. When I noticed the loss I immediately contacted XXXX XXXX and they informed me about fraudulent charges of XXXX XXXX. I was told that my funds will be restored and they will send me a new card. I contacted XXXX police department and filed a police report XXXX and I also filed Identity theft report with Federal trade commission XXXX too. I provided all that information to HSBC and their employee XXXX XXXX. It is already three month that my funds are not restored. I contacted HSBC several times and nobody helped me. Everybody told me that I should talk with XXXX XXXX and that person was never available or returned my calls. I am out of XXXX XXXX of my hard earned money and HSBC bank never tried to help me and secure my funds. None of their employees ( especially XXXX XXXX ) or supervisors did any investigation or contacted me to help this matter. This type of service from HSBC is against Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, and from my experience they dont care and have no interest helping their client.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION (MN)

There was a account open in my name win Pend last year. I send a dispute letter and a Id theft affidavits about a month ago and I havent heard back from them. Account still reported to my credit report. Did a fraud report about some one stole my Id and personal information. And they still havent resolved.
Consumer complaint received 2021-05-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I REACHED OUT TO TRANSUNUION, XXXX AND XXXX ON BEHALF OF SOME ACCOUNT THAT I ASKED TO SEE PROOF OF THE DEBT. 
ATTACH YOU WILL SEE AN AFFADAVIT THAT I I MADE WITH THE FTC THAT SHOWS THE ACCOUNTS.
Consumer complaint received 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am submitting this complaint due to the inconsistencies of my FICO credit scores from the three credit bureaus. My XXXX FICO score is XXXX. However, my FICO score with XXXX  is XXXX and TransUnion is XXXX which is over a 50 point difference. Their explanation is that since my husband and I hit a snag in his income early in 2019 and had late payments on two accounts, then we will always be late making payments, which is not a fair assessment on anyone because life happens. Also, our income is far greater now than two years ago and we have consistently made on-time payments on all of our accounts and have never been late on our automobile loan, which is the largest debt in the past 3.5 and no late payments in over two years on any other accounts. This is not fair credit reporting nor fair in my scores and there should not be a 50+ point disparity across the three credit bureaus. It seems that during the pandemic, XXXX and TransUnion has fallen asleep in updating my FICO scores.
Consumer complaint received 2018-07-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Creditor's Collection Service, Inc. (OK)

This company ( or people involved ) have been calling me for months with no caller ID so it can not be blocked. They leave a automated voicemail every single time with a number to call back, the number is XXXX and they do not mention any specific name as to who they are looking for. 
I called back the number once, The line was tossed around it sounded like and it went again to another automated machine and I ultimately had to hang up. 
I do not owe any debts and my credit report states that. 
Upon searching XXXX for the number I came across a swarm of people reporting the same exact thing but some have actually got in contact with a human being on the other end and they reported saying they were demanding money from an outstanding debt from many years prior and the person had never had a debt from that company. I want these calls to stop, I thought maybe theyd call a few times and then stop but they have been calling every other day at random times for months.
Consumer complaint received 2019-08-13
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: General Motors Financial Company, Inc. (NC)

This complaint is not a duplicate tied to complaint XXXX. I pulled my XXXX credit report and found XXXX XXXX XXXX had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry or provide the signed application which is needed to file a FTC identity theft report. They did not delete the inquiry or provide the documentation required under section 604 of the Fair Credit Reporting Act. This is a violation of the law and they must comply be deleting the inquiry or providing the signed application, so an FTC identity theft report can be filed. Failure to adhere to the law will result in legal action.
Consumer complaint received 2021-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

I am a teacher and should soon qualify for Public Service Loan Forgiveness. Any time I have tried to enroll or have tried to find information, I have basically ended in a broken link or a form I can not fill out. I started with just under $ XXXX in student loans and after 8 years of paying them on an income-based repayment plan, I have hardly touched the principal balance. In fact, one of my largest loans, A direct loan, originally for {$20000.00} now has a principal balance of {$22000.00}. Last year, I paid over {$6000.00} in interest alone! If I am paying {$6000.00} in interest in a year, with monthly payments at around {$500.00} ( what I can afford as a teacher ), that means I am only ever paying off the interest, but not touching the principal balance. The fact that interest on some of my loans is almost 7 % is outrageous! After 8 years of teaching, I have not made any progress on my student loans, and still don't even know if I am on the right track for Public Service Loan Forgiveness. It's infuriating.
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

According to my credit reports dated XXXX/XXXX/XXXX. XXXX XXXX XXXX has an account listed with all three credit bureaus with incomplete and or inaccurate information. They are all listing incomplete account number, all three have different account status listed. One shows with Experian closed/current/paid last updated XXXX/XXXX/XXXX, another with XXXX closed/derogatory/placed for collection updated XXXX/XXXX/XXXX, and the other XXXX closed/delinquint updated XXXX/XXXX/XXXX. I have disputed this account and it does not show my dispute on the credit reports. Two have the same phonenumber and address for the company listed the other one shows a totally different address and contact number. My disputes came back as verified. How can they come back verified if they are all showing different statuses. 
Thank You for Your Time
Consumer complaint received 2020-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

2 BANK OF AMERICA ACCOUNTS WERE OPENED FRAUDULENTLY. I AM A VICTIM OF AN IDENTITY THEFT, I HAVE CONTACTED BANK OF AMERICA NUMEROUS TIMES,  THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, THE CHARGES ARE ALL FRAUDULENT. I UNDERSTAND THAT BANK OF AMERICA IS A BIG COMPANY, EVERY TIME I CALL I GET TRANSFERED FROM DEPARTMENT TO DEPARTMENT AND NO ONE IS ABLE TO FIND ANY INFORMATION SINCE THESE ACCOUNTS ARE CLOSED AND OTHER DISPUTE. THEREFORE I NEED THESE TO BE REMOVED FROM MY CREDIT REPORT,
Consumer complaint received 2020-01-21
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: Experian Information Solutions Inc. (CA)

Experian has illegally re-aged my US Department of Education account. Under CFRA the account must be removed from the first date of delinquency. I have called and disputed this information with Experian several times and each time Experian re-ages the account based on the dispute month and not the first date of delinquency. This account is due to fall of this year. Experian has re aged this account from 2013 for another 7 years. This action is ILLEGAL under the CFRA.
Consumer complaint received 2017-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX I submitted a dispute to Transunion through XXXX XXXX for an itme on my report. Note that at the same time I also submitted the same dispute to XXXX and XXXX and by today, XX/XX/XXXX both of those agencies have long since investigated the item and removed it from my report. 
I received an email confirmation that the dispute was submitted to Transunion on XX/XX/XXXX and also a confirmation along with a file number appears in my XXXX XXXX account. 
When I had still not heard from Transunion I tried calling to follow up. Transunion denies that I filed the dispute despite my proof and the fact that the other agencies did receive it and remove it. Not only did they deny that I had disputed the item on XX/XX/XXXX they gave me the run around as to what I was doing and were rude and unhelpful. 
The law states that they have 30 days to address the dispute which they did not do and despite the fact that I have proof of submission they refuse to help me. XXXX did finally agree to resubmit after arguing in cicrcles with me on the phone for over an hour and talking but that is setting the clock further along and is not what they are legally obligated to do.
Consumer complaint received 2021-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TX)

Flagstar for the past two years has not made my insurance payment via escrow. In XXXX, I received a cancellation notice from XXXX XXXX XXXXXXXX due to lack of payment. I then conference called both Flagstar and XXXX XXXX XXXXXXXX to resolve the problem. In XXXX, it happened again. On XX/XX/XXXX I conferenced called both again to resolve. A check was supposed to be overnighted and the insurance would be updated. Yesterday I was working with a refinance company and found out that the insurance was never paid by Flagstar but there system was updated as the insurance was good until XXXX which is not the case at all. Our house has been unprotected since XX/XX/XXXX, XXXXdue to Flagstar not making a payment.
Consumer complaint received 2017-12-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OH)

I made a promotional purchase with deferred interest for 6 months on my Lowes credit card, managed by XXXX XXXX. In the meantime, I made smaller purchases and have always paid off my card balance for each month or made the minimum monthly payment of {$25.00} to cover the deferred interest promotion requirements if I made no purchases. Last month, I paid off my monthly statement balance {$50.00} with an extra {$25.00} towards the promotional purchase. When I opened my statement this month, I was surprised to see interest charged to my account Thinking that maybe I paid the balance late, I checked my last statement, and it was due XXXX/XXXX/XXXX, and payment was received XXXX/XXXX/XXXX. Since the promotional purchase was not due, there should be no reason for interest to be charged to me. 

I called Synchrony, and it turns out that they decided to apply my payment differently this time. Although I only truly owed {$50.00} for last month ( not withstanding the *additional* {$25.00} payment made ), they only applied a portion of my payment towards the {$50.00} and charged me interest on the unpaid portion of the {$50.00}. This is absolutely unacceptable behavior! Their representative, XXXX, refused to explain why they did this or even what portion was of my {$75.00} payment was applied to the {$50.00} owed that month. He did agree to waive the {$0.00} interest charge. It is plainly obvious why they did this - they wanted to increase their revenue at the end of the year. While {$0.00} is n't a large sum of money, how many other customers have they done this to and likely for larger amounts. 

While the credit card statement gives the usual perfunctory legal language about " applying a payment in a different way, please call Customer Service '', it is very underhanded. This is fully reminiscent of how banks did " ordering '' to maximize overdraft fees. And, CFPB filed a lawsuit earlier this year against XXXX XXXX XXXX  on this issue, I believe. CFPB should put a stop to this as well.
Consumer complaint received 2019-08-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I opened an account with XXXX XXXX on XX/XX/XXXX with repayment terms of {$28.00} per month interest free for six years. My account is managed by XXXX XXXX XXXX XXXX. I make my payments via XXXX XXXX XXXX. I have made ALL my payments either on time or in advance. I can document all of these payments. I was pre-approved for a home loan by XXXX XXXX XXXX XXXX, TN on XX/XX/XXXX. My credit score was well above the required XXXX. I was set to close on a home on XX/XX/XXXX. On XX/XX/XXXX XXXX Bank reported to all three credit bureaus that I was 60-90 days late and demanded {$240.00}. in late fees. My score plummeted 100 points. Since I had already paid {$1000.00}. in earnest money, {$350.00}. for an home inspection, and {$400.00}. for an appraisal, I paid the {$240.00}. in an attempt to recover my score. It didn't work. I lost the home. Now I'm stuck indefinitely paying outrageous amounts to keep my things in storage and live in temporary housing.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I contacted XXXX and notified them I no longer wanted this account. Apparently, the account wasn't actually closed and the annual fee was billed in error. I was contacted by XXXX 's collection department stating I was past due. Fortunately, the phone rep corrected the issue by refunding the fees and closing the account but I now see they have reported me 30 days past due which dropped my credit scores.
Consumer complaint received 2020-01-21
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: ID Analytics, Inc. (OH)

I have account on my file that I do not recognize. My name is XXXX XXXX XXXX have several names that are not my on my credit report. I have fraudulent accounts that appear on my file. please delete the following : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX There is a unverified account from XXXX # XXXX. 
I have filed a Police Report with XXXX Police Dept. and CFPB.