davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (WV)

I am a XXXX XXXX XXXX XXXX Veteran and my Navient student loans were granted a discharge that took effect XX/XX/2016 as forgiven and paid in full. My concern is that Navient has still been reporting delinquent activity to my credit report. I contacted Navient and they claim they have not been reporting delinquent activity, but I have tried to borrow money from my personal bank ( XXXX XXXX XXXX ) and they stated that, because of the report from Navient no funds can be lended to me.
Consumer complaint received 2020-06-22
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIZENS FINANCIAL GROUP, INC. (IA)

Called the lender number several times and waited on hold for well over an hour. You can't get anyone on the phone. 

The lender reported a late payment incorrectly, which resulted in a 50 point drop in my credit score. I have never had payment issues. The credit drop will cost me on a current refinance. 

My mortgage is with Citizens One. 

Please advise! 

Thank you,
Consumer complaint received 2022-03-10
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. (IN)

Trying to buy a car and serious delinquency is showing on my report from XXXX XXXX. I have reviewed all 3 credit bureaus and can not find anything but all closed accounts and excellent pay history, long credit history. How can I fight this when no one else sees a delinquency? I called all bureas and was told nothing negative. I had a car accident in 2017, not my fault, waited for insurance to pay off car was my only thought but that was not it. Please help me get this removed from my reports.
Consumer complaint received 2021-10-04
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I received a financial statement in the mail from Citizens One. I do not have an account with citizens one. The financial statement at the top says XXXX XXXX XXXX Purchased at XXXX XXXX. There are two transaction on the statement, on for XXXX and one for XXXX. The last four digits on the account are XXXX. I tried to call citizens one yesterday and they asked for my 16 digit account number. I don't know the 16 digit account number because I never opened the account to begin with.
Consumer complaint received 2021-02-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i have been getting numerous call from people who claim to be from different agencies, looking fo collect information and money from me. i have gotten calls from " car dealers '', " social security administration '', " XXXX city sheriff '', XXXX XXXX  XXXX XXXX ''. All wanting to get my personal information and requesting payment in order to not proceed with legal action. I have always asked to give me a call back number and their information, and sometimes they provide made up information, other times they just hang up. Most recently i received a notification on my XXXX XXXX with XXXX, for " information breech '' every time i want to log in to the apps on my phone. 
i recently received a notification for a transaction i did not approve, for XXXX at a XXXX for {$220.00}, and a few declined transactions for {$100.00} at a XXXX XXXX as well from XXXX that i did not authorize. 
cfpb complaint # XXXX
Consumer complaint received 2017-09-28
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. (ND)

Since the massive XXXX data breach, information is showing on my Trans Union, XXXX and XXXX  credit report that don't belong to me. The following account, collection account and hard inquiries are fraudulent and unauthorized: XXXX/XXXX, $XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXXy, $XXXX, XX/XX/XXXX
Consumer complaint received 2017-09-28
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)

I wrote a letter to this company dated XX/XX/XXXX to request for investigation with regards to a XXXX XXXX account reported in my file. Then I wrote a letter to XXXX  XXXX date XX/XX/XXXX. XXXX responded that they investigated the account and that this verified correct and valid WITHOUT any validation documents ( i.g. bill/statement, proof that alleged account was assigned to them etc.) that will prove the validity of this account. This company cannot even tell me when was the date of service which on their letter shows "XX/XX/XXXX". Their response is unacceptable and unlawful, so is this credit repository's response and not removing an UNVALIDATED item is a violation of FCRA. Attached is XXXX letter, copies of the letters sent to this credit repository and to medicredit.
Consumer complaint received 2019-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

I am XXXX  and currently in the process of buying a home. I am new to citi card simplicity and was given a pin number to withdraw funds up to XXXX. on XX/XX/XXXX I tried to withdraw XXXX cash advance to pay for an inspection and when I tried I was not given my full amount and my card was locked. I called into customer service to see why I couldn't withdraw funds and they were having trouble verifying my identity ... I verified my security word which no one in the world should know but the person that created it but I had a new phone number after I applied my account so I wasn't able to verify my phone number because I kept giving my new phone number ... instead of them confirming anything else with me such as birthday address name ss they wanted to confirm my identity by asking for another credit cards card number. I did not feel comfortable giving out that information they then told me they would mail me a letter with a security word and when I get that letter to call back and they can unlock my account. today is XX/XX/XXXX I have not received a letter and called again and they again told me they would mail me a letter and to call back I said this was not happening I need them to take care of it today. they would not confirm the address they mailed it to which I said how am I suppose to know it was sent to the right address without you confirming. I then asked for a supervisor and they hung up on me.
Consumer complaint received 2017-09-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monterey Financial Services LLC (WA)

XX/XX/XXXX XXXX XXXX: Called for XXXX XXXX (?) for debt collection. Called back and told them I don't know the person.XX/XX/XXXX XXXX XXXX: Called for same person.XX/XX/XXXX XXXX XXXX: Called for same person. Ext XXXXXX/XX/XXXX XXXX XXXX: I called but closed.XX/XX/XXXX XXXX: Called for same person. Ext XXXXXX/XX/XXXX XXXX. Called for same person.XX/XX/XXXX XXXX XXXX: I called and again stated this was my phone. They asked if I know where XXXX was. I again stated no and don't call anymore.XX/XX/XXXX XXXX: Called for XXXX again. Call from Ext XXXXXX/XX/XXXX: XXXX I returned the call again and intitially spoke to XXXX. Asked if the were taping the conversation and they said yes and I asked if I had their permission to also tape. Told him I contacted them onXX/XX/XXXX and got hung up on twice before somebody would listen that they have the wrong number and called again onXX/XX/XXXX and said the same thing and that said they would not call anymore. Was put on hold for approx. 15 min before he came back on the line and transferred me to XXXX how looked up the extension and said it was a mistaken call.
Consumer complaint received 2017-09-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Judgment Recovery Center, L.P. (TX)

This account was a Judgment filed against me 10 years ago. I received a notice of a Levy from our bank account. We are retired and sick and they took the money from us. The money on that bank account was from our retirement check. The judgment was under my name not my wife 's. I have tried calling on several occasions the attorney XXXX XXXX XXXX STATE BAR # XXXX who was handling the case they never called me back or picked up the phone. I called again National Judgment recovery and they told me that they change lawyers they gave me another name XXXX XXXX STATE BAR # XXXX and to this date he has not responded. I really need help to resolve this matter. No one seems to care about our situation and this lawyer is taking advantage of this case that it is already expired. CAUSE # XXXX, XXXX I just received a letter from this attorney XXXX XXXX XXXX XXXX, 2017 saying they wont respond with a validation.
Consumer complaint received 2020-10-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

Last year I was diagnosed with XXXX and on top of that, lost my position in the XXXX XXXX  that I had for over 20 years working with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was struggling, but doing fine making all my payments on time. In XX/XX/2020, because of this CoVid chaos, and me losing work, I was contacted by Chase Bank, my mortgage company, about if I needed payment assistance to contact them. I did, and I qualified for a 3 month payment deferment. When I spoke with the Chase associate, I specifically made sure that there was not some sort of balloon payment I would be responsible for at the end of the assistance program.In XXXX I contacted them again to see about another 3 month deferment, I qualified, again. And again I specifically asked the associate that there would be no balloon payment that I would not be responsible for at the end of this 6 months program. And again I was assured that the payments would simply be added to the end of the loan, only that the interest would build on the loan because of non-payment. I was ok with that. Forward to XX/XX/2020, while I was attempting to make a payment, I noticed the monthly payment was higher than expected, as I purchased a cheaper insurance, hence, my payment should have gone down, also. I was in the phone the week before with an escrow associate who guaranteed me that the monthly payment would be adjusted in a day or two. When it wasn't adjusted I contacted numerous associates in different departments at Chase. Everything seemed to be going fine when at the end the last associate said there was an 'error '. I asked what that meant, and she said that I don't qualify for the deferment, and that I owed all of the previous 6 months non-payment. I reiterated that I was qualified twice by two different  associates and they assured me that this wouldn't happen. 
I have been on the phone with several people today, pretty high up in the lending department, and they say that they are selling my loan to a different company, XXXX, and that nothing can be done since that process is already in motion. I said, " well, isn't that convenient ''!? The lending department associate just said, " yeah ''. As I stated before, I was assured that the missed payments would be added to the end of the loan, Chase went back on their word. What recourse do I have? Thank you for your time. 
XXXX
Consumer complaint received 2017-07-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (MO)

I received a notification from the three major credit bureaus that South West Credit Systems flagged my account for a collection. The original creditor XXXX was paid a long time ago and took the difference from my last policy payment to satisfy my account. This company is ruining my credit and deserves to be handled accordingly.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

In accordance with the ( FRCA ) 15 U.S.C 1681 section 602A States " I have the rights to privacy, and 15 U.S.C 1681 604A section 2 states " A consumer reporting agency can not furnish my account without my written instruction.
Consumer complaint received 2022-08-10
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: Paramount Recovery Systems, L.P. (PA)

XXXX was notified since XX/XX/XXXX that the paramount recovery account on my transition credit report was a result of identity theft. They received a valid FTC report for the identity theft account and failed to block the account with 4 business days as the law under section 605b of the Fair Credit Reporting Act requires them to do so. Transition is not complying with the law and i need the CFPB to intervene and request that transition comply with the requirements under section 605b of the fair credit reporting act.

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.
Consumer complaint received 2022-03-10
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. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2017-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NC)

Hello, In XXXX 2017, I received an email from a group called XXXX XXXX saying they were a third party servicer that worked with MOHELA to pay off my loan. About a month later, I received a call from MOHELA again asking why I had n't made a payment, I told them I had been and was confused why they had n't received my {$100.00} a month I had been paying and we discussed lowering my bill to {$50.00} a month, but it never applied and XXXX XXXX continued to take the {$100.00} a month out. A few days ago, I get an email from XXXX XXXX saying I 'm past due. So I immediately called MOHELA and told them what was happening and they informed me that this third party is scamming me and taking my money. I 've paid them {$700.00}, and they are withdrawing another {$100.00} on XXXX XXXX, yet I 'm past due on my actual student loan because they are just keeping my money. Is there any way to get my money back? Or can I apply it to my actual loan? Luckily, it has n't started hurting my credit but it 's very close. 
Thank you for your time, XXXX XXXX
Consumer complaint received 2017-09-28
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. (CT)

DISPUTE GUIDEPRINT XXXX XXXX XXXX Account Number XXXX Account Type Installment Loan Terms 072 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Late Payment Status Details 30 days past due Status Updated XX/XX/XXXX Balance {$12000.00} Balance Updated - Credit Limit - Past Due Amount {$880.00} High Balance {$55000.00} Monthly Payment {$880.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual account Original Creditor - Company Sold-to - Original Amount - Comments - Payment History This account was never delinquent as it was paid in full XX/XX/XXXX by the insurance company and GAP insurance due to a total loss.
Consumer complaint received 2022-01-07
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. (AL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2019-03-04
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (WA)

Worked with the company to resolve this issue before ( CFPB : XXXX ), suggested by Corporate Consumer Relations that after a period of time, I will need to unlock the credit reports and the company re-affirmed that providing a PIN will not be able to obtain a credit line from Synchrony bank. Still getting denied and unsure how to resolve it as I have been strictly adhering to the given instruction I had.
Consumer complaint received 2021-01-19
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. (IL)

DEPT OF ED/XXXX- Account number XXXX XXXX  ( XXXX XXXX  ) - ACCOUNT NUMBER XXXX These two accounts are involved in LITIGATION. It is reporting inaccurate on my credit report. I completed the XXXX XXXX and ALL default is to be removed from my credit file. its reporting false address as well. These accounts are still reporting delinquencies. XXXX  and XXXX  have corrected this account. Theses errors need to be corrected right away or delete these accounts from my credit reports.
Consumer complaint received 2022-03-10
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: Experian Information Solutions Inc. (IN)

I am not sure of this account with XXXX XXXX  XXXX. This account is unfamiliar to me and I don't remember having any agreement with them. This was reported in EXPERIAN so I believed EXPERIAN was not able to investigate this account promptly. Please supply any signed agreement with this company.
Consumer complaint received 2017-09-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

In XXXX I applied for a student loan with bank of America through XXXX XXXX. 
over the years I have been making payments of {$130.00} through my bank account. In XXXX the loan was sold to XXXX success. I believe the information is incorrect and would like to receive official documentation of signed loan agreement, statement of how payments were applied towards the principle and the balance and the amount that was sold to XXXX in XXXX. 

XXXX XXXX. 
XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2015-09-29
Product: Prepaid card — Gift or merchant card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A. (CT)

I received a Citi bank Visa pre paid visa card as a rebate from XXXX XXXX. The card had an extremely short expiration date of 6 months. The funds in the account were removed once past the expiration date. Per Federal Regulations I believe the card should not have had an expriation date under 5 years. I have contacted Citi bank who refuses to re instate the funds.
Consumer complaint received 2021-09-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

I was on the covid19 mortgage forbearance and it expired on XX/XX/21, I did not call for an extension, but when I went online to start making my regular monthly payment the bank 's website would not accept any payments. So I assumed that my forbearance was extended but then I began to get past due notices. When I contacted the bank on XX/XX/21 to explained and to resume/start making my regular monthly for XXXX payment together with XXXX payments, the bank advised me not to make any payments because my account was now in default and the full amount of $ XXXX was due. The bank said they would review my account to determine if my forbearance can be extended ( back from XX/XX/21 to XX/XX/21 ) or if a partial claim can be approved. I have followed up with the bank numerous times ( every 2 weeks ) and also spoken to the reps trying to collect on the loan. They all keep telling me the loan is still under review, but delinquent the full amount. I have also emailed for an update and informed them that I am ready to end the forbearance and can make the payments, but I am not getting the issue resolved about deferring the forbearance amount. please help ; (
Consumer complaint received 2017-09-28
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. (MI)

TransUnion Credit Bureau refuses to remove two tax liens on my credit report.  I have disputed both of them 9 times in the past 9 months.  I had filed disputes with XXXX and XXXX and they both removed the tax lien information.  I have received letters from both the IRS Federal and The State of Michigan saying that the amounts are paid and the information should be removed.  I sent copies of these letters to TransUnion.  They still refuse to remove the lien information.  I filed a dispute again today.