davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (HI)

On XX/XX/XXXX I responded to an advertised balance transfer offer on the Citi 's website, which I use to monitor and manage my Double Cash Credit Card account. The offer was for 0 % percent interest rate on balance transfers until XX/XX/XXXX ( the website advertised that the offer would be expire on XX/XX/XXXX ). I followed up with Citi this morning to confirm that the balance transfers were approved under their advertised offer. In two separate conversations ( one via chat and the other over the phone ), I was informed that the balance transfers were done at the typical 24 % rate and that no 0 % offer on balance transfers were ever offered to me. In my chat conversation, I asked that the my balance transfer request be cancelled and was informed that it was too late as the checks had been cut. After confirming this issue over the phone with Citi, and confirming the balance transfers were not executed under the 0 % interest offer, I closed the account but was told I could not pay off the balance as the balance transfers were pending.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX 15 U.S. Code $ 1681c-2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-01-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION (MO)

I've had and account with Regions Bank for almost 3yrs. 
I took out Pay Day Loans due to the Covid-19 because I couldn't work companies were down sizing. 

I went into to the Regions Bank on XX/XX/2021 t close out my account. The Tailor assured me my Account would be close and gave me the receipt with {$00.00} balance. 

I'm under the impression my Regions Bank account was closed until I receive a thank you for your patient. 

When I went back Regions the Branch Manager advised me the only way they can close it has to have {$00.00} balance. I wasn't told that if something came through within 24 hours it could reactivate the account. 

To day I'm overdrawn by {$630.00}, the Branch Manger was no help at all.

I'm asking my Bank Account to be CLOSED IMMEDIATELY that all I want.

I'm not looking for in Monetary just for this account to be closed. This is affecting my future credit score.
Consumer complaint received 2021-06-04
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. (CA)

There are two accounts on my credit report that do not belong to me they are not my accounts!!!!! I have opened an FTC I have emailed, mailed and made numerous phone calls to all the bureaus and the furnishers and they keep saying we will look into this or opena dispute yet nothing is being done I need help to resolve this why are the credit bureaus reporting incorrect information!!!! 

XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$34000.00} XXXX XXXX  XXXX - Acct # XXXX Amt {$0.00} INQUIRIES Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2018-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXX reported to TransUnion that I owed a XXXX XXXX bill on XX/XX/XXXX. I have called XXXX and disputed the charge 4 times. I have a letter from XXXX XXXX saying that I have {$0.00} balance. I called and talked to transunion again today which is XX/XX/XXXX. And I have asked if they have done an investigation and the said they called and verified with XXXX XXXX that my name address and SSN was correct and the amount owed. 

I asked if they have contacted XXXX XXXX to verify that was correct. They told me that they can not contact XXXX XXXX, I was on the phone to her for about 45 minutes asking her why they refuse to verify the information and they keep telling me they already did 2 times and that the info came back correct. I gave them the name and contact info for the guy that I talked to at XXXX XXXX and she refused to contact and verify that the info was correct because XXXX XXXX is not the one that reported it she said. I told her then she didn't do a full investigation then if she didn't verify where the info came from. I asked to speak with her manager and she said that she was only that i could talk to about this problem. I asked several times and she refused to let me speak with her manager and i asked for her name and then somehow we got disconnected. 

When i was speaking with her on the phone I asked how can they tell this info is correct, she kept telling me they did a investigation. If you dont check with the source you can not be sure the info is correct? How do they know it was really my account? Anyone can open up an account in someone else name and not pay the bill, and then it will go to collections, they took no steps to verify this was my account. They also refused to contact XXXX to verify the info that was coming from XXXX was correct. 

All i want is collections to be removed from my account and there be no record of it on my account at all. I have been fighting with Transunion for months to get this taken off and they refuse to remove something on my account that they refuse to verify from the source.
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY (KS)

I paid off my balance of money owed of about {$77.00} in XXXX of XXXX and had not used the card since that date due to an Natural Emergency ( water damage to home ) that resulted in my becoming flooded everytime it rained and caused me to get into debt to get home repaired. This forced me to cut back on unnecessary expenses to pay off that debt, and I am at the present, at the half way point. Now I have shopped at Target  but just used cash and not credit to temporarily offset a monthly billing. But my problem is, that today XX/XX/XXXX, I received an alert form the credit bureau that my account 's credit line was reduced 50 % so I then called up customer service for Target  and inquired about the negative action that had been taken against me .They informed me that since the card was not used since XX/XX/XXXX, was the only reason for the negative action that they had taken against me, irregardless of my other emergency. I had no luck with trying to discuss the matter. This is not fair when I try so hard to be financially responsible and always pay my debts in a timely manner with no late payments or bankruptcies. If Target  does not restore my original credit line, I will be negatively impacted by all three credit bureaus by decreasing my credit scores!
Consumer complaint received 2020-01-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center (MO)

In XXXX of 2018 I consolidated my loans with Premier Student Loans. Upon receiving an email from the Federal Bureau of Consumer Finance I contacted XXXX Student Loans as directed. Upon reaching out to them and going through the paperwork filed by Premier Student Loans it was made evident they were lying on my paperwork by stating I had four extra dependents in order to reduce my student loan payment. This low payment did not cover the interest and my loan amount has now raised by nearly {$3000.00} without reducing any of the principal. Not to mention I now have to suddenly make changes to my entire budget to begin paying a payment of {$300.00} more than I was before. 

I am seeking to gain more information on the lawsuit against this company and to join the lawsuit if possible. I have documentation and every email received from this company that I would be happy to share.
Consumer complaint received 2022-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Mortgage Company is asking for more money in advance for escrow over the amount they are already paying to taxes and insurance and trying to increase my monthly payment with out any reason. 
Try to solve issue but company do not respond see some E mails : I received a letter requesting {$560.00} more to my escrow account according to a " analysis '' from your company or my monthly loan payments will be increase to {$1800.00}. 
Like to lets you know that this " analysis '' from your company is totally wrong. 

The reason is ; my actual escrow until my XXXX statement payment is {$690.00} plus 11 months from XXXX to XXXX will be XXXX x XXXX monthly escrow = {$4400.00} Payments from my escrow account are : Taxes {$3300.00} and home insurance {$1000.00} ( by the way your company overpaid this because the insurance is only {$1000.00} ) As you can see {$4400.00} - {$3300.00} - {$1000.00} = + {$99.00}. XXXX POSITIVE REMAINING ON MY SCROW ACCOUNT. WHY ARE YOU ASKING FOR {$560.00} MORE OR AN INCREASE ON MY MONTHLY LOAN IF I DO NOT SENT THIS AMMOUNT TO YOUR COMPANY? 
I send multiple E mails requesting a correct " ANALYSIS '' in my escrow account but do not received an answer yet. 
It is not reason and it is not legal, to send you money from my pocked to you, just for your company to hold this with out any reason. 

Good Morning, XXXX XXXX, I still waiting for somebody to call me in relation to the wrong Escrow Analysis to fix this mistake. You told me on XX/XX/XXXX that somebody will call me into the next 48 hours. 
Please let me know if you have a contact phone number with extension to fix this issue in my loan ASAP. 

Loan # XXXX COMPANY NAME : LOAN CARE www.loancareservicing.com Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX CUSTOMER : XXXX XXXX XXXX Loan # XXXX XXXX XXXX XXXX. 
XXXX, FL. XXXX
Consumer complaint received 2022-04-29
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: Navient Solutions, LLC. (MD)

Re : Navient Account XXXX Dates : XXXX XXXX, XXXX XXXX, XXXX XXXX Dear Sir/a'am : Last year, I submitted a certified letter to XXXX, XXXX and XXXX to notify them of gross inaccuracies on my credit report. I filed a dispute against Navient because Navient reported 60, 90, and 120 day late payments in XXXX, when the payment was not as late. For example, the payment was received in XX/XX/XXXX, but the following month ( 30 days later ) they said my payment was 60 days late. This is erroneous and mathmatically incorrect. The investigation was speedy, instead of thorough. I also filed additional disputed online for the same issue, due to failure to be resolved. Unfortunately, I never received a copy of my results of the investigations on how they came to the conclusion to keep errors on my credit report. Their errors have impacted my ability to purchase a home for my family. Please, help!!!!! I have attached the file for your review. Please review carefully to see the error. Thank you
Consumer complaint received 2022-01-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2023-01-18
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital one is reporting our transactions and experience, with the XXXX major credit reporting agencies. This is in violation with 15 US 1681A sec 2 exclusions ( ii ). I gave no consent to the disclosure of such private information.
Consumer complaint received 2021-11-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

My account was put on review on XX/XX/21 and since then I have not been able to use my account in coinbase, without being able to withdraw the funds entered into the account. I tried to contact them but according to them there was no problem in my account
Consumer complaint received 2023-04-01
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. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.
Consumer complaint received 2022-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

Citibank offered a promotion if a checking account was opened, so much was spent within a specified time on the debit card attached to the checking account, and qualifying bill payments were made out of the account. The promotional offer was XXXX miles on XXXX XXXX. When all of the conditions were met, Citibank claims that the automatic bill payments were not made -- which is factually false -- and now refuses to credit the bonus miles.
Consumer complaint received 2021-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AK)

I began monitoring my credit in XXXX, after the experian leak and other issues, so trying to rebuild my credit. on XX/XX/XXXX, I made a dispute with Experian noting some addresses that were no longer associated with me. I have no outstanding debts or other reports from those addresses so I wanted them removed. I reported them and asked that they be deleted because they are not my address, and I noticed today that they are still listed. The report of my dispute just says they were updated.
Consumer complaint received 2018-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (WY)

Stearns Lending sold my Mortgage to XXXX XXXX but didn't transfer my last payment. They are holding a {$1500.00} payment since XXXX. My bank has contacted them but they say they've transferred it. They havent.
Consumer complaint received 2021-11-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (GA)

Had a mortgage with Mr. Cooper for 15 years. I was approved for a forbearance plan in XXXX, XXXX, as I was unemployed during Covid. I was initially approved for 6 months initially, and then received 2, 3 month extensions. On XX/XX/XXXX, they claimed I requested to be taken off forbearance. They did not produce an written document, and/or verbal/email as I was still unemployed and never requested. I then got them to reinstate me XX/XX/XXXX. I then sold home and paid of entire Mortgage in XXXX, the next month. I have a {$0.00} balance with Mr. Cooper. However, in applying for my next mortgage, the underwriters stated Mr. Cooper claims I " ... did not make my XXXX payment while under forbearance ''. This defies logic as I did not pay any payments during those 12 months. Even if I did not " pay '' XXXX as they claim, it would have been classified a late payment since I paid entire mortgage in XXXX. While credit companys do not show this on their records, XXXX XXXX and Mr. Cooper do and its preventing me from obtaining another mortgage. Mr. Cooper refuses to help despite many calls and emails. I even submitted a XXXX report on this and yet, no action taken by Mr. Cooper to correct. I need your help! Thanks
Consumer complaint received 2023-02-15
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. (GA)

I have identified information on my credit report as identity theft. The items are not related to me or any transactions completed by me. I reached out to Equifax numerous times to remove the inaccuracies, and each time I'm told that they were either removed or never received the dispute. I filed a complaint with CFPB on XX/XX/2022, including copies to Equifax. I have been going back and forth with Equifax since XX/XX/2022.
Consumer complaint received 2021-08-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC. (AL)

I took out an auto loan in XX/XX/2019 with a high APR of 25.51 %. With only one late payment and 3 extensions, my account shows that I've only paid off {$600.00} of my financed amount of {$16000.00}. I called the company to explain the breakdown and requested my original contract, but they disconnected the line. She did try to explain before the disconnection that it depends on when I pay it every month? I've paid every month on time, but one. Is this legal?
Consumer complaint received 2018-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (GA)

I attempted to deposit a check through Ally Bank 's app and the bank contacted me and said that it would not accept my deposit ( it was an approximately {$2.00} deposit of dividends from an old XXXX  ) because the registrations did not match. I have never had such an issue, and attempted to call for assistance. The wait time was unbearable, so I emailed Ally. The response was that I had to call to speak with a person in their deposits department. So, I called, again, and waited on hold, again. I was asked to verify the last 4 digits of my SSN, my DOB and 2 answers to random secret questions, including my favorite team. I guessed what I might have set up, and evidently guessed incorrectly. I was placed on hold again, and escalated to a supervisor, who, maddeningly, repeated the entire series of questions. My answers did not change. She said that someone would have to call me to verify me. That doesn't seem like a super secure way of doing business- calling me from a random number, on my unsecure cell phone, at some indeterminate time. All I am trying to do is deposit a small check. But she said that she could not help me, that I could speak with no one else, and then she froze my accounts so that I can not view them. 

I need ( 1 ) my accounts unfrozen and ( 2 ) to be able to deposit this check and ( 3 ) an apology for my massive inconvenience.
Consumer complaint received 2018-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Convergent Resources, Inc. (FL)

I signed up for a credit card with XXXX XXXX XXXX XXXX XXXX. I never received the card, so it was never activated and never used. After a couple of months, they sent me a bill for the credit card fee. I called and let them know that I never received the card, and at that point, I no longer wanted to the card, and that I had not activated it since I never received it. They are still trying to charge me the fee for the card, and now they have sent it to collections with XXXX XXXX XXXX XXXX with additional fees. I do not feel that I should have to pay for a credit card that I never received.

The Convergent account # is XXXX, and the client account number ( I guess XXXX XXXX account number ) is XXXX. The phone number for Convegent on the bill is XXXX.

I appreciate any assistance you can provide. Thanks.
Consumer complaint received 2018-02-06
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: Experian Information Solutions Inc. (TX)

InXX/XX/XXXX I spoke to someone with XXXX XXXX  about the end of the lease payment inXX/XX/XXXX and XX/XX/XXXX that the total should not be XXXX 
It should've been the total XXXX I was told they would check into it and get back to me but they did not do so.