davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

Please I need your assistance. I have been working with XXXX XXXX on this situation for a couple months now and I can not get any resolution. There was an issue with Macys APP and somehow my XX/XX/2020 payment did not process. I was not notified because Macys had incorrect information for me, they had an incorrect phone number. 

I make my payments using the app all the time and never had an issue until this particular time. I am no stranger to the app. 

The 30 day late was removed and then put back on somehow. I called immediately as soon as I found out there was a communication error somehow with the payment. Macys not only reported me late, but also lowered my credit limit which in turn caused other cards to lower my limit. My score dropped almost 100 points. I am not really sure what the issue is, but I would really appreciate if Macys could resolve this. I am a good customer and really don't deserve this. 

This was done right in the middle of a national pandemic. Everyone is suffering to such a great degree and Macys would do something like this knowing that there was a communication issue. I am extremely upset about this. I appreciate your help.
Consumer complaint received 2021-05-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Systems,Inc. (TX)

I have sent numerous of dispute letters asking for validation, after I received calls saying I was going to be sued for a debt of I didnt pay. Syed every attempt my credit report has been updated but I have never received the validation.
Consumer complaint received 2021-04-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Commercial Services, Inc (WA)

We paid National Commercial Services, Ink. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX. Phone XXXX XXXX Fax XXXX XXXX their settlement amount and now they wont send us a receipt to show the XXXX in Washington state to restore our licenses back that are suspended till we show receipt of settlement agreement from NCS ink. They said our licenses would be restored after settlement payment was made. Now they refuse to give us any form of settlement agreement receipt.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Information on my credit is incorrect and due to the incorrect information my credit score dropped 149 points. The incorrect information is ; there was a Transition of mortgage companies, from XXXX XXXX, Loan number XXXX to XXXX XXXX XXXX, Loan number XXXX. This was never a late payment, just a Transition Account. Will nee to correct XXXX XXXX XXXX, not as Account closed but as a Account Transition and must not show a not current payment status. Balance was paid in full every month. Contact information ( XXXX ) XXXX. The Accuracy for this account is incorrect, it has incorrect information on my credit report. This effect my payment history/rating making it incorrect. The information in the Remarks field is incorrect. Also, There was an incorrect charge of {$3100.00} added to my XXXX XXXX account, account number XXXX. This incorrect charge also caused my credit score to drop 149 points. This charge should never have been on my credit report, however now that the company has removed the charge from my credit report, my credit score has not recovered to the original +149 points. Contact Information ( XXXX ) XXXX.
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

XX/XX/XXXX tried to use debit card at store at XXXXXXXX XXXX XXXX  at XXXX XXXX  Debit card declined. Went to ATM inside Bank of America branch at XXXX XXXX  to get cash and transaction declined Called customer service at XXXX XXXX  to inquire about what the problem was with my debit card and was told fraud was made on my debit card and placed on hold for 2 hours to speak with fraud department and was disconnected from the call after waiting hours to speak to someone. 
XX/XX/XXXX XXXX XXXX  called back to resolve this issue and again was told that fraud was on my debit card and again transferred to fraud department and places on hold for about almost 3 hours and no answer. Tried to use debit card app and Bank of America app and was denied access called the number on back of debit card at XXXX XXXX  after entering the card number automated system says my debit card is closed. Called customer service a third time and requested to speak to a supervisor or manager and again placed on hold for hours no response.
Consumer complaint received 2020-01-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (SC)

I applied for a refinance of my existing mortgage in XX/XX/XXXX, There was to be a 60 day closing, which did not occur, finally on XX/XX/XXXX we closed on the paperwork. A closing attorney was sent to me and we signed paperwork. I asked if I gave him the check for money due, he said no the lender would contact me with payment instructions. I waited and have to date XX/XX/XXXX not received said instructions, even though I have reached out to the company numerous times. As a result of them not funding my loan and paying off the prior loan I have now been late on a payment and received interest fees, plus credit reporting. Not too mention that the new loan is at favorable rate so I am also paying additional interest payments. The processing Officer is XXXX XXXX and the company Is Loan Depot. The paperwork for closing ( the Disclosure Statement ) was incorrect three times, now all the paperwork is outdated as I have had to make two additional payments, etc. 

I have contacted and gave them until today to get me the needed information or I was filing a complaint.
Consumer complaint received 2019-11-12
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. (CA)

I have been trying to buy a home so today XX/XX/19 I got my credit ran to see how much I qualified for, however, I was told that I was not eligible for any kind of loan because there were accounts reflecting badly on my credit report. I went through my credit report and none of those accounts are mine. I didn't open any of those accounts and I have never opened any type of account with any of those companies. I'm not sure who these accounts belong to or who could have got a hold of my personal information to open accounts in my name without my permission ; I have already gone to file a police report regarding these unauthorized accounts. I did not benefit anything such as money, goods, services or any other benefit from these accounts nor did I participate in any transactions or payments that were made towards these accounts.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

in accordance with the fair credit Reporting act. XXXX, Transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. States i have the rights to privacy. 

These Addresses do not belong on my credit report
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NH)

Due to the Security Breach with EQUIFAX, I inquired with EQUIFAX is I am one of the consumers at risk, EQUIFAX stated there is that possibility, so I Immediately Contacted the 3 Major Credit Reporting Bureaus Individually to place a FREEZE on my account with each Credit Reporting Bureau. I am a New Hampshire resident therefore the charge is 10.00 per Credit Bureau, XXXX processed my request and has sent me written confirmation that my Credit Bureau Information has a Freeze, XXXX  has sent me written confirmation that my Credit Bureau Information has a freeze, both were processed immediately. HOWEVER EQUIFAX were the Security Breech began HAS NOT processed my request to FREEZE my credit bureau account, instead they offered me a free Credit Monitoring Service, I do not want a credit monitoring service, I want my consumer right of placing a FREEZE on my Credit Bureau account since my information may have been compromised. This is extremely troublesome that the Credit Bureau where the security breach occurred is the only Credit Bureau that has NOT granted my request. 
Please Advise my next steps of action I can take to secure my personal information with EQUIFAX. 

Thank you
Consumer complaint received 2021-02-25
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Northern Trust Company, The (TX)

Northern Trust manages a trust from my mothers estate for the last 3 years or so. I am a beneficiary of the account but in all those years they have never sent a statement to me until last month. In that statement I found that they somehow 'forgot ' to distribute residual funds that should have been distributed to the beneficiaries. 
And simply because they have their foot on my neck, they charge fees so that this account - which is all cash, loses value every month. After a while it will disappear into their vault. 
Northern Trust clearly had instructions to distribute the funds to the beneficiaries 3 years ago. 
I do not know how or why I got the account statement from them. It looks to me like this is my account with $ XXXX in it. No one else is listed. But now they are suggesting that I am only a 1/4 share owner. 
I asked for distribution, but now they say they have to 'calculate ' the refund. They have the computing power of the pentagon, but they cant make out how much to distribute? I is a fabrication on the face. And the phone number on the statement 3/4 of them are dead.It took them weeks to finally respond to my messages.
Consumer complaint received 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CO)

XXXX attempted to enroll in Federally Facilitated Marketplace training through XXXX agent portal. Was told by Experian that they " could not verify my identity. '' This is really interesting to me as I own a home, have called several times, have driver 's license, military id cards, social security cards, medicare cards as well as being a XXXX XXXX XXXX   in Colorado and Florida. I am working for XXXX  XXXX during Open Enrollment. Have gone through many hours on the phone trying to get this straightened out. It was finally straightened out, I did an enrollment on healthcare.gov Friday-no issues. Was doing an enrollment last night and ran into the same thing-we can not confirm your identity. 
I have had it with these people. Experian says I put a freeze on my account-I do not recall doing so. I paid them to overnight a pin so I could get this straightened out-it is messed up again.
Consumer complaint received 2016-04-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (TX)

Moved in the house XXXX of XXXX first payment was supposed to be around {$2400.00} per month, but when I received my bill in XXXX of XXXX it was {$1800.00} per month. Instead of {$1000.00} for escrow and insurance Freedom Mortgage only charged me {$460.00}. I called 3 times and was told this was the correct amount. When I called Freedom Mortgage they let me know about {$300.00} was going towards PMI and {$150.00} was going towards escrow ... The house I live in is around XXXX sq feet. There is no way my taxes are going to be {$1800.00} a year. When my wife and I signed the Final Truth -in -Lending Disclosure Statement we signed for {$2400.00} or at least around this amount. Now fast forward to XXXX XXXX, I get a statement in the mail that my mortgage has gone up to {$3800.00} per month. This is over 100 % increase of my mortgage. The shortage is XXXX for XXXX as I pay XXXX county taxes. If the payments where they were supposed to be at around {$2400.00} per month and the Escrow and PMI was at {$1000.00} per month the amount going to escrow would be about {$700.00} that would be about {$8400.00} per year. This would have left me in a better positon to pay back the shortage. Each time I call Freedom the rep that I speak with gives me different answers. I even had one rep say that the reason its not XXXX is because they added your HOA in the payment and this was a manager. It clearly states the amounts for Escrow and Mortgage Insurance. When I called and spoke with them they act like home owners mortgages go up almost {$2000.00} every day. This is not the way to do business. Now Freedom has added in {$14000.00} for next years escrow to add on to my payments. I did my part and called and made sure the amount was correct and I have never missed a payment and never been late. Someone at Freedom Mortgage clearly made a mistake and they will not own up to it. If there is going to be an escrow account it needs to be closer than {$14000.00}. Something needs to be done and spreading my shortage out over 4 years is not the answer nor is refinancing. There was a mistake made on this loan and it needs to be corrected.
Consumer complaint received 2022-08-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Midwest Loan Services, Inc. (OR)

I recently paid off my loan in full after 6 years of condo ownership. Working with the company has been great. I believe I mistakenly paid late once during the period of my loan. The call center employees are very professional. 

In the last few weeks, I have been wishing resolution for my loan closure and my escrow refund check. On XX/XX/XXXX, you mailed my closing letter in full with the letter saying any applicable refund check would mail under separate cover. The next day, the XXXX, the check was mailed. On XX/XX/XXXX, I got the closing letter in my locked mailbox. It is common sense that two mailings a day apart would be received one day apart. It is now XX/XX/XXXX, a week after the first mailing. Your call center has told me several times that the check was mailed. No one can explain why the check has not shown up. I asked for them to cancel the check and they refuse to do it until 3 weeks after the mailing. I also was not told about their wire transfer option. Additionally, they refuse to waive the wire transfer fee if I cancel the check. It is 2022, and they dont have direct deposit as an option.
Consumer complaint received 2018-09-27
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Cottonwood Financial Ltd. (TX)

XXXX XXXX ( XXXX ) has been contacting 3rd parties regarding an old debt with The Cash Store and stating that there is a civil case against me and that my attorney needs to contact them. They continued contacting 3rd parties even after they confirmed my contact information. They also do not identify themselves as a collection company and claim to be lawyers processing a " claim against your social security number ''. When asked they refuse to provide a mailing address for me to request debt validation or to send a C & D.
Consumer complaint received 2019-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On Today, XX/XX/2019 I got an update that XXXX XXXX Debt Collection Agency had placed a collection on my credit reports. This is first and foremost a violation by this company because someone called not even a month ago and I asked would this be placed on my credit and they stated no. So, I would like that last call pulled. 

Also, a few months ago. This company took money off my credit card after an automatic payment was cancelled. They even initiated the payment days earlier than the automatic payment. This is illegal and downright wrong! I would also like these calls pulled by this company as well. 

This company is in many violations and for the credit bureaus not to fact check but only go by what these companies do, I am disheartened to find this information out. I am disappointed in the credit bureaus and XXXX.
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I have came to notice numerous attempts for credit with my name and information fraudulently without my permission or authorization. I 've demanded these applications get cancelled immediately as they were not submitted by me.
Consumer complaint received 2023-01-11
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. (SC)

To Whom It May Concern : EXPERIAN, XXXX, and XXXX Im writing because I see that my request as a federally protected consumer havent been acknowledge or respected and the several unlawful acts and violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. 
I made a request for verification and documentary evidence of these accounts and it been well over 30 days ago, to date as required by law per 15 USC 1681 To, I have not received any valid proof or heard any response from these organizations Experian, XXXX and XXXX regarding this matter. 

I am requesting that these negative accounts be removed from my credit report IMMEDIATELY, as they are causing significant harm to my credit score and overall financial well-being. 

XXXX : ACCOUNT # XXXX EXPERIAN XXXX XXXX XXXX XXXX Date opened : *different dates Number of months ( terms ) *different numbers High credit : *different numbers Last reported : * different dates XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX are XXXX accounts XXXX XXXX all with the same account numbers *All different information and inaccurate reporting as well XXXX : ACCOUNT # XXXX XXXX Billing error on this XXXX XXXX XXXX  account., never late! 
Also, violation per the Electronic Transfer Act & 15 USC 6802-OBLIGATIONS TO RESPECT TO DISCLOSURES OF PERSONAL INFORMATION. Fix this account to paid as agreed and never late or delete it as well. 


Inquiries : XXXX, XXXX XXXX, XXXX XXXX XXXX Delete based on 15 USC 1681 b- PERMISSIBLE PURPOSE & The Privacy Act of 1974 Furthermore, I would like to remind you that under FCRA Section 611 ( a ), credit bureaus are required to conduct a reasonable investigation of any disputed information and correct or delete any inaccurate or unverified information. I am confident that upon investigation, it will be found that the accounts in question were reported in violation of my rights and once again its been well over 30 days and theres been plenty of time for your investigation and for the documentary evidence I requested. Therefore, I want the accounts and inquiries I stated above deleted the very min you get this. 

I urge you to take immediate action to rectify this situation, and I look forward to hearing from you soon, By the way as stated before my address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SC XXXX and any other address on my report is non-mailable and needs to be deleted as well. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge : XXXX XXXX  XX/XX/XXXXXXXX XX/XX/XXXX/XXXX  XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove these FRAUDULENT inquiries.
Consumer complaint received 2023-01-11
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: People Trust (AR)

on XX/XX/2021, I took out a {$1500.00} loan with People Trust Loan Fund. This was my fifth personal loan, with the other loans being paid off on time. Taking out these loans was helping to boost my XXXX XXXX. I was making payments on time, but many things transpired. I then injured myself on my job and became homeless. I could not afford the repayments. Although I was receiving workers compensation, it was not much. I then started getting notices from the credit bureaus about derogatory remarks. This has made my XXXX XXXX drop drastically. I was having a hardship.
Consumer complaint received 2019-05-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (IN)

Currently, I pay {$470.00} a month for my car. I purchased the vehicle 2 years ago for my birthday on XXXX of XXXX. This past year has been particularly hard to make on time payments. My wife and I moved into a house and got married within 6 months. I had to pay at least {$4000.00} for the hotel expenses not including the wedding. On top of that Indiana took 6 months to give my wife her XXXX license, and has not been working for the last year. I have had to cover all of our expenses including help pay for my wedding. She had her first day of work XX/XX/XXXX. I have had 3 late payments over the last year. It will be entirely easy making on time payments with my wife 's additional income. I contacted Santander Consumer USA on Saturday 4 times. After giving my SSN, they would hang up on me. The 5th time, I asked to speak to a manager who then told me there was nothing he could do to remove the late payment remarks. 

I am also trying to start a business and having my credit up to par is crucial for a business loan.