davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I lost my wallet and someone ended up using my card and withdrawing {$200.00} from my credit card. I immediately called Bank of America and reported it. They denied the dispute saying because it was used at a local branch, they are claiming it was me. When I called the representative, they informed me they attempted to use the card several times at different ATMs that did not belong to Bank of America and was declined. The withdraw was finally approved when they went to a Bank of America ATM. Which is the only one in the area. I did not make this transaction at all. Bank of America has not helped me at all.
Consumer complaint received 2017-04-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Today   XXXX   XXXX   XXXX    XXXX  the relationship  manager on m y file at SLS told me that even though we are in an acknowledged short sale review SLS can set a sale date and sell my home at anytime they like. She also said it with an attitude. This gal has always been short, curt, rude and unpleasant to deal with. Her comment about gave me a  XXXX   XXXX . It took a while to get an offer and just prior to the offer being sent over, she made the threat again. I was in a chapter  XXXX  for 5 years and have competed it. The trustee has been paying a little something to the bank but they wo n't tell me how much it was. I noticed that my escrow account has over {$17000.00} dollars in it at SLS and I have asked numerous times for a reconciliation and SLS refuse to give me  one. I h ave asked my escrow gal to ask for a reconciliation in hopes they will give  one to h er.  XXXX  's conduct in the short sale dept. fall 's far below the standards of care. They also refused to allow me {$3000.00} relocation assistance.
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (VA)

I disputed multiple collection accounts  (    XXXX   XXXX   XXXX   &amp;  XXXX  ) with equifax and  XXXX . The accounts were deleted on both but now equifax has reinserted accounts from both collection agencies on my credit report. Also Equifax has been very uncooperative in removing the excessive amount of hard inquiries that I asked to be removed. I 've called and also faxed a multiple inquiry removal letter and have heard nothing back. My Score through equifax is really suffering, it 's close to  XXXX  points off from my other  XXXX  scores.
Consumer complaint received 2017-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (MI)

I need help in getting the written dispute policy and procedure guidelines for the  American Express Business Card.      I continue to struggle getting a consistent and complete action when I inquire or dispute a merchant charge.     There are times when I inquire OR dispute a charge and nothing is do ne. I continu e to have to make follow up calls to Customer Service after I see NO action is being done on their behalf. I feel they are giving me answers to simply get me off the phone as they are NOT following through on their words. This type of business practice has continued for years.     I have asked  American Express Customer Service many times for a copy of their written dispute policy and procedure. They will NOT provide me with this information. Is there also a 3rd part y representative that can assist me in making sure I am treated fairly and make sure their policies are followed.
Consumer complaint received 2022-03-03
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. (GA)

I contacted transunion to remove an account that is showing up that I do not own. I was informed the account was opened XX/XX/2020. The open balance is XXXX. I attempted to call the collection account as well to get more information and they could not provide me anything.
Consumer complaint received 2020-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I have contacted Huntington Bank on several occasions for purposes of an Arbitration I have started against them. XXXX  REF : XXXX XXXX VS HUNTINGTON NATIONAL BANK. I will not include the complaint for it has been sent several times as has XXXX been trying to contact Huntington with no response. Second notice from XXXX   attached. If there was some error me calling legal 's number at XXXX and leaving no less than 4 or more voice messages all unanswered or returned - stating this is the legal dept on the greeting. 

I am tired of no response for near two months. I went so far as two approx. two weeks ago go into a branch and have my notice of  arbitration emailed to legal by a XXXX XXXX XXXX. Card attached. 

I want to make it clear you are in violation of your arbitration agreement on deposits accounts not taking the arbitration and responding as a respondent. I feel this should be a strike against the bank for future arbitration 's with XXXX.
Consumer complaint received 2023-09-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc. (OH)

My adult child fraudulently acquired some {$100.00} or XXXX loan from the company which required loan payment of XXXX ( some scheme they were overcharging and going to refund at end of loan ) with an additional {$20.00} fee per month. Called the company to resolve this issue as it was done without my consent and the company is giving me the run around
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (LA)

I have contacted Experian on four different occasions in regards to accounts being reported on my credit file. The accounts are XXXX {$1700.00}, XXXX/ XXXX. After properly disputing these accounts four times i received a letter from Experian stating that i needed to contact the collection company. I have contacted the collection company and they responded with a letter stating that they have already verified these accounts and sent a billing statement. I have NEVER received any verification from this company and i sent experian the letter i received. Experian still refuses to remove these accounts from my file even after getting proof that these accounts can not be verified.As per the FCRA verification of accounts must include contract or original signature, in which this company XXXX has provided either one. Billing summaries ARE NOT considered to be valid verification of accounts. In regards to XXXX / XXXX, I have multiple disputes with the company and Experian credit bureau, This collection has been removed from all other bureaus including XXXX and XXXX because the bureaus did not receive accurate verification from the collection company. So how is it that Experian magically verifies and reports information that could not be verified and deleted by the other XXXX credit reporting bureaus? Experian has not sent me information in regards to how they have verified these accounts and this is against the FCRA. I have the right to request information that is being reported in my credit file, and the right to recieve documentation on how these accounts were verified. Neither documentation has been sent to me and that is a violation. FCRA 611:6b Notice of re-investigations states that i SHOULD receive a notice of investigation, and that a description of the procedure used to determine the accuracy and completeness of the information shall be provided to me. I have not received any of this information which leads to me to believe that Experian is willfully withholding information in my credit files from me. This is my last and final attempt to resolve these issues before i contact the FTC and Attorney General 's office. I have been completly ignored by this company and my disputes has gone unverified.
Consumer complaint received 2024-02-07
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. (MN)

Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.
Consumer complaint received 2017-06-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

I have 5 Loans with Navient. 3 of these Loans are under a rate reduction plan. When I applied for the second year of my rate reduction plan for these three loans I was asked to agree to terms 12 times, one for each month. I agreed to a debit payment once for each month for an amount of XXXX $ to be disbursed to the 3 loans under the rate reduction program. These payments being made on time are a stipulation for reapplying for the program in the following year, so keeping these loans current is vital for my financial well being. Last month on XX/XX/XXXXNavient received a payment of XXXX $ from my father 's account to be disbursed across the remaining 2 loans. Then on XX/XX/XXXX Navient received my scheduled payment of XXXX . The problem is that Navient disbursed the XXXX $ and the XXXX $ payments across the remaining 2 loans that are not on the rate reduction program before disbursing payment to my rate reduced loans for which the automatic debit was dedicated. I called Navient about this issue two days ago onXX/XX/XXXXand complained and was told that another department found the error and the past due status would be removed from my account. I was told to wait 24 hours for the changes to appear online. I logged on today XX/XX/XXXX to find that my automated payment of XXXX $ has yet again been disbursed to the two loans that are not under the rate reduction program. This leaves a total amount of XXXX $ owed for this month on the 3 rate reduced loans. I have no issue with paying this amount, I would eventually have to pay this anyway. The issue is I have an automatic debit set so that the rate reduced loans are never paid late. I avoid being late on any payment but at all costs my rate reduced loans are paid on time for obvious reasons. Two months in a row now Navient as disbursed my payments away from the loans they were agreed to go to. These two months have been the only occasions in almost a year in a half where my automatic payment did n't go only to my rate reduced loans. This leaves me with only two explanations in mind : Something in Navient 's system has failed to keep my records accurate in order to keep my payments going to the right place, or Navient has chosen to disburse my payment incorrectly in an attempt to cause me to default on my rate reduction program so they can force me to pay the full payment of these loans despite my cosigner being dead. I called Navient again today and told them that the problem has happened for a second time and the person on the phone spoke with the person I dealt with 2 days ago. They claimed they could n't see how the money had been disbursed because it was n't past due. My customer log in supplied more information than their payment center. This is baffling to me. I was told to wait 24 hours for them to have more information and to call back. This strikes me as just another attempt at capitalizing on my possible inaction.
Consumer complaint received 2024-02-26
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: EQUIFAX, INC. (NC)

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-03
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)

Dear CFPB, I never authorized any transactions or any account to be reported on my credit file. 
According to the Fair Credit Reporting Act, legally these unauthorized items must be removed and immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I contacted transunion to remove an account that is showing up that I do not own. I was informed the account was opened XX/XX/2021. The open balance is XXXX. I attempted to call the collection account as well to get more information and they could not provide me anything.
Consumer complaint received 2017-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (NC)

Diversified continues to report a collection account on my credit report is unpaid, despite the fact that I paid it in full back in XXXX. I have disputed this account listing several times, but Diversified continues to report the account as unpaid. I am attaching a confirmation on my payment to this complaint.
Consumer complaint received 2022-03-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (VA)

Dear Bureau, After I moved out from My previous apartment few month ago they sent me the XXXX moved out bill with unfair fee and fee not even suppose to charge on the XXXX moved out bill but the some transaction they owed me they never refund. After I received this billed i sent email attached the letter to explained and hope they will correct the amount in the bill then send me the correctly final bill while I am still waiting this collection company flag the collection this incorrect bill on my credit report. to correct the bill I filed the complaint with HUD already as the complaint attached I would like Bureau to help me dispute the incorrect bill from my credit report.
Consumer complaint received 2017-06-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. (FL)

When I leased my vehicle 3 years ago, GM financial was nice enough to be the lender for my new vehicle. About a week after taking the vehicle home, I received a packet in the mail and set up automatic debiting of my account. The payment was made the same day for the length of the lease. We turned in our vehicle the 3rd week of XXXX 2017 about 2 months early ( we leased a XXXX before our lease was over ), and we were notified that the lender would send us a bill for the remaining months. The lender sent us a notice via mail that we would be receiving an end-of-lease packet with the final bill. On XXXX XXXX 2 017 another debit was made from our account, which was fine as I 'd imagine they 'd deduct that payment from the final bill. In early XXXX, I received a notification from my credit monitoring saying there was a late payment to GM financial. This made no sense to me because we were on automatic debit. Upon calling GM financial, they indicated we were always about 28 days behind on payment, which I have no record of nor were we ever told that this was the case. As far as I 'm concerned there was never a late payment that ever took place. The down payment was to include first month 's lease, and we set up automatic debit only a week after taking the car home, making an late payment impossible. They also had the wrong phone number on file and never attempted to send us a letter to correct it. As it stands this late payment is hurting my credit and from what I can see was no fault whatsoever to my wife and I.
Consumer complaint received 2022-03-03
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: Experian Information Solutions Inc. (MD)

Experian has not updated my Credit report and score in XXXX. A lot of the information is incorrect. I have made multiple attempts to reach out to Experian I was rerouted to the automated system each time. Experian automatic system does not help with any questions, it only gives you the website to file a dispute. If my credit report and score with Experian would have been updated monthly like it suppose to be, I would have received the business loan I applied for.
Consumer complaint received 2017-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MO)

Received collection ca ll from Ocwen mort gage on  XXXX / XXXX /   2017  about my  XXXX     2017  mortgage payment. She asked me if I was able to make the payment I told her yes to do a e-check if there was no charge. She looked in system & set up draft from account & then told me there was already a payment set up in the system to come out. I asked her if she could verify the day the payment was schedule to come out of my account & she told me her system did n't show her the date. I asked if she was sure & she confirmed yes payment will come out of your account. I received a call today fro m Ocwen who advised me that  XXXX  2017 payment was not made & I told her of my last interaction with a Ocwen rep last week of  XXXX . She told me she would send info to the research department. I am sure Ocwen records their calls. All they need to do is pull the tape of the call & verify what that the rep told me payment was al ready schedule. It is not unusual for me to set up auto draft payment early in the month to come out on payroll date & get collection calls after payment has been scheduled. I need CFPB to help me get the 30 day late removed from my credit report.
Consumer complaint received 2015-03-31
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (CT)

I have all my credit cards on Auto Pay. XXXX including a car payment. Citibank credit card na of South Dakota now processes Home Depot Credit. I have been getting late fees and put into collection because Citi transactions with the bank have failed. Money is in the bank but they seem not able to access it. I do n't no they ca n't access it on my Citi cardI have never had an auto pay fail, what is the point if you ca n't trust them. I 've explained this to Citi so many times but the reps just want to keep updating auto pay. 
I wrote them a letter. An never heard back. 
I must have gotten a call every Sunday for the last four months. 
I am now sending them a demand letter. ( copy attached ) A demand letter needs an address but my SState says I can give to a teller? What! 
Also, Citi should make the address for registered agent clearly available. If they do n't want to talk to you. You should at least have the right to serve them. Citibank na ( South Dakota ) The branch of Citi that manages credit cards. Do they have a registered agent? 

I want Citi to clean up my relation with Home DepotI want Citi to clean up the all late fees on Citi Card and Home DepotI want to compensation for my credit being damaged, calls which were so misinformed they talked about my old bank'I wanted to compensation for negligence and advertence of the issue so late charges would mount. 
Customer service having conflicting or no data about current information. 
Customer service armed with only half truths causing conflict. 
Citi to pay a fine.
Consumer complaint received 2022-03-03
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. (FL)

To whom it may concern, I have a mortgage loan with XXXX XXXX XXXX 
I received a COVID forbearance which started XX/XX/XXXX and ended on XX/XX/XXXX. 

Once the forbearance ended, I resumed my monthly mortgage payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also made the XXXX payment today. 

Despite resuming payments and PAYING MY MORTGAGE ON TIME and also completing loan modification documents, I was reported delinquent by 180 days to the major credit bureaus. 
Ultimately the report of delinquency IS false. The result of this false report has been devastating. 

To elaborate, I need to buy a new car, but i am being denied credit because I was reported delinquent on my mortgage which again is untrue.
Consumer complaint received 2017-06-08
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. (GA)

I have been disputing things on my credit report and just yesterday my score XXXX TU XXXX XXXX XXXX XXXX I went to check it again because I am currently rebuilding and low and behold my TU dropped XXXX points and there were no changes on my report. I do n't have any new accounts, nor have the age changed on any of my accounts. My Credit Card usage is under 30 %. The CB are trying to discourage consumers into disputing anything on their report and this is not fair. I 've been working hard to acquire a higher score because I would like to buy a home. This is such a discouragement. In the attachment I understand these are XXXX Scores yet it still was a tremendous drop.