davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-25
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (FL)

I purchased a new washer and dryer from Home Depot and took out a new credit card issued by Citibank. The terms were any purchase of {$1900.00} or more would be 24 months of no interest if paid in full. I contacted customer service on XX/XX/2017 and was told that they have me on 6 months of no interest. I asked the representative to make the correction to 24 months and they said they could not help me. I need this corrected to match the terms I agreed too and its the sole reason I opened the credit card.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

There is an account that is settled on my credit report reporting as derogatory. Both the account status and the comments on both Experian and XXXX are reflecting as paid/settled however the payment status is reflecting Collection/Charge-off.
Consumer complaint received 2016-05-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (KY)

Confirmed IBR application and amount to be deducted for XXXX loans prior to XXXX 2016 payment due dates. Despite IBR approval, ACS deducted the full regular amount for XXXX loan -- being almost {$400.00} more than authorized. ( Deducted {$540.00} despite IBR payment owed {$160.00} ) I called and was told it would take XXXX days to issue a refund. I complained and they said they would expedite the refund. The payment was automatically withdrawn from my bank account on XXXX XXXX. I was told they would expedite the refund on XXXX XXXX and mail -- not refund directly to bank as I requested -- a check, but it 's now XXXX XXXX and I still have not received my refund. They adjusted the payment records on my account, but the money has n't been refunded. They 're charging me interest on that loan but keeping my money. 
Also, they incorrectly reflected my IBR payment for that loan. Now my account has the incorrect amount listed as the IBR amount owed. It shows both accounts being the same payment, when the corrected amount authorized by IBR was a few dollars higher. I do n't want to get a bill at the end of the year for the overage due to their mistake, again. 
{$400.00} could mean rent, car payment, food, etc. They are keeping my money -- interest free -- for over a month despite admitting they took too much.
Consumer complaint received 2015-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MN)

I have disputed a XXXX XXXX credit card a few times with all 3 credit bureau and all 3 claim XXXX XXXX says the account is mine. When I call XXXX XXXX, they tell me that they have no record of any account with my social security number. They tell me that I should dispute the item on my reports, which of course, I have. I do not know what to do.
Consumer complaint received 2022-09-06
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: EQUIFAX, INC. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2016-07-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (AZ)

Conns has been calling from different numbers up to 20 times per day. I have explained to them that I was under the impression that I had payed the account in full and needed a few days to look back over my financial records. Within 8 hours of telling them this they are already calling back XXXX three times per hour from different local numbers and I have called the numbers back after getting off the phone with them or after my so. Had answered a call from them and the numbers are not in service. They are harrasing and threatening me. I have told them I will call them once I have a chance to pull my bank records from 3 months ago. They wo n't stop harrasing me. What do I do?
Consumer complaint received 2016-09-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America located at XXXX XXXX XXXX XXXX in XXXX, MA XXXX has chronic shortage of staff. On XXXX XXXX, I try to visit the branch in the morning but the line of customer were pressing out the front door. I left and try to visit the branch again the following morning but the line was even worse as customer are forced out the front door. This branch only employee XXXX tellers and XXXX customer service personnel while XXXX Bank and XXXX Bank on the same street staff their branch with XXXX teller and XXXX customer service persons. Why is that Bank of America under staff its branch compared to its competitors. Bank of America realize there is a staffing shortage however has not made any attempt to address this matter. In addition the bank is aware that in a XXXX neighborhood, often times the XXXX utilizes teller services at a much higher rate than its suburban branches. Furthermore, XXXX we have a large XXXX who speaks XXXX. Currently we have no XXXX speaking teller. By not having XXXX speaking teller adds communication burden and creates longer teller lines there by under XXXX. Why is it that other banks are require to fulfill XXXX XXXX XXXX but Bank of America at this location disregards its obligation under banking act. Why is that CFPB is unable to make Bank of America provide community based banking service
Consumer complaint received 2016-09-21
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (MD)

Purchased a car XX/XX/XXXX from XXXX in XXXX that was financed through santander consumer usa. i lost my job XX/XX/XXXX and fell behind my payments XX/XX/XXXX. Santander repossessed the vehicle without prior notice on XX/XX/XXXX and sent me a certified letter dated XX/XX/XXXX which i received a several days later. I called them at XXXX that morning and the rep i spoke to had no record of the car being repossessed and told me to call back. i called back at XX/XX/XXXX and was told they have the car and i had 10 days to pay XXXX to bring the loan current and keep making my payments or the car would be auctioned off. I made the payment on XX/XX/XXXX and they at that point informed me that the car was already at the auction site which is over XXXX miles away. Instead of bringing the loan current as earlier discussed they went ahead and charged off the loan and added collection fees.
Consumer complaint received 2016-12-15
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (AZ)

XXXX XXXX Canceled My Card and along with XXXX. ( XXXX ) Membership Rewards Points A month earlier the card was paid in full with no new charges. 
I have contacted XXXX XXXX multiple times and never received a response or any points or remuneration in any way. 
I just found out about CFPB please help me with this I paid this Account was paid in full and had XXXX. ( XXXX ) Membership Rewards Points Below is directly from my statement dated XX/XX/2013 Available and Pending as of XX/XX/2013 XXXX worth {$17000.00} XXXX XXXX Closing Date XX/XX/2013 Account Ending XXXX XXXX Account Summary XXXX XXXX Paid XXXX XXXX XXXX XXXX XXXX Payment Not Required Statement INFORMATION : Business Platinum Card XXXX XXXX XXXX Closing Date XX/XX/2013 Membership Rewards ( R ) Points Available and Pending as of XX/XX/2013 XXXX ( XXXX ) POINTS For up to date point balance and full program details, visit membershiprewards.com Previous Balance {$10000.00} Payments/Credits - {$10000.00} New Charges + {$0.00} Fees + {$0.00} Your account is cancelled. 
Regards XXXX XXXX Cell XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Currently there are no open disputes with TransUnion that prevents me from accessing my credit report online. 
However, I am required to call or mail a request to view my report. 
This is in violation of their policies that require them to enable online access to consumers.
Consumer complaint received 2017-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I consolidated all of my student loans with the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX services my new loan. They are still reporting a previous default loan that is over XXXX XXXX XXXX. The credit bureau can not remove it, and XXXX sent me a letter accusing me of fraud when I disputed the age of the negative mark on my report. The information is a duplicate as of now, because I have a new loan not in default because of consolidation and the information they are reporting on my previous default is from 11 years ago and per the statute of limitations on student loan reporting once the loan is sold the delinquent information can only remain on my report for XXXX years.
Consumer complaint received 2016-04-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (CA)

I have been monitoring my credit weekly for 2 years now and have discovered that ERC, a third-party debt buyer, has reported a {$59.00} derogatory collection on my credit reports. I was never given any notice of the debt due ... never given a chance to dispute the issue within the 30 day period, which is required by law and a violation of my consumer rights under the FCRA. 
I am writing to obtain validation that the company has a right to collect this money from me. Thus, ERC indicates that XXXX XXXX is the original creditor ; however, I never owed XXXX XXXX any money. When I moved from XXXX, I returned the equipment to the XXXX office and paid the amount that XXXX XXXX said that I owed to close the account and pay the balance in full. This was done in XXXX 2015. Furthermore, around XXXX 2015, I received a 'refund ' from XXXX XXXX of {$44.00}. 
Again, I need validation of this debt from ERC. What was the original amount of the debt? What was the original account number and date of original debt? MORE IMPORTANTLY, please tell me why you believe that you have a right to collect this debt? Please provide verification and " documentation '' that there is a valid basis for claiming that I am required to pay the debt to this current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? Also, a copy of the last billing statement from the original creditor is required.
Consumer complaint received 2022-09-06
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. (LA)

I sent over my ftc report to equifax several time for information thats not mine on my credit report every single time they told me the information will be gone in 24-72 hours the information stion on my report
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 — Account status incorrect
Company: Onity Group Inc. (TX)

CFPB : Reaching out because I noticed on my credit report that Ocwen Loans is reporting a 30 day late payment when that never occurred. The account number in dispute is XXXX. My name is XXXX XXXX and my social is XXXX. Can you please look into having this removed from my report. 

Thank you,
Consumer complaint received 2018-03-19
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: CREDIT ACCEPTANCE CORPORATION (NY)

I am a victim of identity theft and sent in information pertaining to an account with XXXX XXXX. After sending in my police report and identity theft report all three credit bureaus reported it verified but wont send the information to validate the debt. The original amount of the loan was {$10000.00} and is currently showing a balance of {$7100.00} as a voluntary repossession. The account number ends with XXXX*.
Consumer complaint received 2015-05-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (OH)

In XXXX of XXXX, my wife and I purchased our XXXX home. During that process, we solicited quotes for homeowners insurance from many companies, including XXXX XXXX. In the end, XXXX XXXX was not selected and we never signed any documents with them. Fast forward to XXXX of XXXX and I receive a notice of a debt owed to XXXX XXXX. I sent the debt collector a letter dated XXXX XXXX, XXXX stating the above. Despite giving them my phone number an email address in this letter, I never heard back from them and I though we were finished. Yesterday, XXXX XXXX, XXXX, I received a notice of the same debt! After being notified in XXXX of XXXX that there was no debt and in fact no contract with the company, the collected has once again contacted me to pay, in violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

Experian has not done the required due diligence in collecting valid notarized documents from collection agency XXXX XXXX to assure and prove a claimed debt collection belongs to me and provide accurate information on my credit report. Thus Experian is guilty and libel of defamation towards me by using fraudulent documents to calculate and negatively impact my FICO credit score. Also when I sent Experian personal documents to validate my identity and current address, they shared these with XXXX XXXX without my permission and have thus compromised the security of my identity and put my personal well=being at risk.
Consumer complaint received 2016-07-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (FL)

LOANCARE IS GUILTY OF EMBEZZLEMENT. 

OUR ESCROW FUNDS WERE STOLEN, WE WERE BILLED FOR THE THEFT AND THEY TRIED TO STEAL OUR HOME WITH AN INFLATED PAYMENT WE COULD NOT AFFORD. AFTER ILLEGALLY EMPTYING OUR ESCROW ACCOUNT LOANCARE CHANGED OUR PAYMENT FROM {$840.00} A MONTH TO OVER {$1400.00}. 

THEY NEVER MADE US AWARE OF THE THEFT OR THE CRIME BUT THIS 6 MONTH MISAPPROPRIATION OF FUNDS WAS CONFIRMED IN A PREVIOUS CFPB FILING BY XXXX XXXX AND XXXX EXECS. 

IN ADDITION THEY VIOLATED THE 45 DAY RULE BY NOT INFORMING US OF ESCROW FRAUD ON LOAN ORIGINATION AND ANOTHER 45 DAY VIOLATION BY NOT INFORMING US OF FORCED INSURANCE WE WERE BILLED FOR
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MN)

I just wanted to ad a quick note to previous complaint number ref XXXX I have not gotten any of the the info that I have ask the reporting agency to send me. also any of the requested info they have claimed to have investigate my dispute they tell me to contact the creditor but per the fcra section 609 act states that the reporting agencies has to have my sign ORIGINAL documents on file if the consumer request that info FROM EXPERIAN has to provide the info. at this point this company is in violate of the united states federal law I have a attached a file in the supporting documents of the US LAW AND I HAVE ASK THIS EXPERIAN FOR THIS INFO 10 TIMES AND THEY HAVE FAIL TO COMPLY WITH THE LAW PLEASE SEE ATTACHED DOCUMENT
Consumer complaint received 2015-10-20
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NH)

I am in the process of refinancing my mortgage and when the newcompany pulled my credit report they found that my currentmortgage company listed me as being in forbearance. That isnot true, I am current and have never been late or missed a payment. 
I contacted the my mortgage company and explained what wasgoing on and asked for a letter to show the error. They told me thatall of their customers were incorrectly listed that way and that I hadto wait XXXX weeks to get some kind of letter. I was directed to writeto their research department and they have not even acknowledgedmy letter. I need to have the refinance done by the end XX/XX/XXXXdue to a court order and I can not move forward without the letterfrom the mortgage company.
Consumer complaint received 2015-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (AR)

Contacted XXXX XXXX to dispute reporting " unpaid '' collection and charge off {$360.00}. I 've written and mailed XXXX, proof of paid settlement offer to XXXX ( their collection agency ). This was done XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. They continue to " Promise '' to update the report as paid but still shows error since XXXX as a charge off. I 've contacted XXXX XXXX and Experian every year since XXXX XXXX, XXXX. I 'm unable to contact Experian XXXX/XXXX/XXXX to dispute my report, even though I was given until XXXX/XXXX/XXXX to XXXX again submit proof.
Consumer complaint received 2019-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (FL)

I had my temporary card from american express serve and used a few times before it just kept getting declined, I called customer service explained that my card seemed to be no good because it was not working she then told me my balance and it was XXXX dollars less than it should have been, at that time I explained that o haven't been able to even use my card and that those charges where not correct. She then told me activate new card and money would just reappear basically, and I knew at that point she either did not understand what I was saying or was wrong. I called again got transferred to fraud and was told same thing activate new card not addressing the XXXX missing and then hanging up. I've sent emails to every american express email I could find and from what it seem they want nothing to do with recovering my money. The transactions are listed below. XX/XX/2019 ATM Withdrawal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - {$600.00} XX/XX/2019 ATM Withdrawal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - {$1000.00} XX/XX/2019 ATM Withdrawal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XX/XX/2019 ATM Withdrawal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - $ XXXX - {$100.00}
Consumer complaint received 2016-03-08
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (SD)

My husband and I were approved for a mortgage in XXXX. We were facing forclosure and abandoned the house in XXXX XXXX. Lender was notified that we were vacating the property. A sheriff sale was set for XXXX XXXX, but was postponed for unknown reasons. On XXXX XXXX, XXXX we were served papers. My complaint is that we could be close to purchasing another house after five years, but US Bank has delayed the process to an extent that is unacceptable. Five years later and we are finally getting closer to being able to put this behind us, when all of this should have happened after we abandoned the property.