davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (FL)

I was behind in my mortgage with Citibank at the end of XXXX due to temporary loss of income, I talked to them about a loan modification and they put me in a plan. I offered to make partial payments and they asked me not to, that they wouldn't take it. 

The waiting period was for many months, in the meantime they put me in foreclosure proceedings, while they were waiting for the underwriter to make a decision on my modification. At all times they told me to do not worry, that the foreclosure was normal while this process is in the works. 

Eventually in XX/XX/XXXX they modified my loan and ended my foreclosure proceedings. 
I was elated. A few months after they sold my mortgage to XXXX XXXX. 
Since then I've been able to keep my mortgage in good standards. 
Fast forward to XX/XX/XXXX, I am trying to refinance my mortgage with XXXX XXXX, they have been very helpful, I fully qualify for it, but they explained to me that they can not refinance until 3 years after my foreclosure proceedings, and they informed that my loan modification with Citi was for 37 years instead of 30. 
I know Citigroup had other ways to modify my loan and still make a profit, but they chose to do it putting me in foreclosure proceedings and extend grossly the term of my loan to maximize their gains. 
I find this actions despicable. Now I am not able to refinance as soon as I need to, and I was lured to a loan that was not clearly explained to me.
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Real Time Group, Inc. (CA)

Real Time Resolutions charged off my second mortgage in XX/XX/XXXX and then continue to report 150 day lates in XX/XX/XXXX. From the date they charged off the account from their books they can't report lates beyond that date. I am retaining an attorney and they advised I submit a complaint to the CFPB prior to us taking legal action so they have the opportunity to correct the illegal reporting prior to litigation. See the snapshot of my credit report that I attached.
Consumer complaint received 2019-02-18
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)

Im very upset because I went to home buyer program and did not qualify because there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX   : XXXX ), XXXX XXXX ( XXXX : XXXX ), XXXX   XXXX Equifax : XXXX XXXX : XXXX XXXX  : XXXX ), XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX ), XXXX XXXX XXXX  ( XXXX  : XXXX ).
Consumer complaint received 2017-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (CA)

Back in  XXXX ,  XXXX  we had open up the custodian account for   XXXX   of my children checking and saving a t CitiBank as sa me time we also open all our account and there were never a account service charge to the kids account during those years we did see some months was charge and it was waive and taking out and some that was no charge but starting back in  XXXX  the bank starting to charge from the custodian and in same it drain out the kids account money in there and these are kids that same for the college money we never did receive any of the statements during those charging months not until the bank send us notice that we need to deposit in the custodian accounts so that the services fees can be clear, that is when we found out that years of been open  XXXX  of our custodian account has the bank been stealing from my kids account. make the matter worse that they are not will to work and refund our children money back an in same even challenge of my caring for my child money and their saving. Again these checking and saving account are custodian kids account under age and i am teaching the to same their money from Birthday,  XXXX ,  XXXX   XXXX  and more that we gave them to deposit to same up for there future and here there bank been stealing from them every month for the pass 6 years at {$30.00} per month in 12 month equal to {$360.00} per year and in 6 years that is the sum of {$2100.00}. All this done to the kids account whose are now just turn    XXXX   and   XXXX   years of age. I hs been try to reach out to Citibank and none seem wanting to help I then close the checking accounts from   XXXX   kids and now to them the account is close to preventing the account to be charge this coming month and by this Citibank are no t will to help claiming the account been close and nothing they will or can do. I do not understand since the kids saving is still active and all out our banking are all still operating. I am reaching out for help calling and asking for help for   XXXX   of my daughters to help get their money back from cro ok Citibank charge on  Custodian
Consumer complaint received 2020-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (CA)

Collection agent by MRS BPO, L.L.C. in behalf of their customer XXXX XXXX. 
XXXX claimed I owed them equipment, however ; I never used their equipment, I used my own private equipment. 

MRS BPO sent me a letter saying I owe {$59.00} account XXXX dated on XX/XX/XXXX, as of today XX/XX/XXXX said the account is no longer with MRS and to contact XXXX. 

Both have refused to send a letter to me advising it was a mistake and i do not owe the {$59.00}. 

How can i get for XXXX XXXX and MRS BPO to send a formal letter advising me i do not owe the XXXX.
Consumer complaint received 2024-02-18
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. (CA)

My lease with GM was due to end in XX/XX/XXXX. I needed to turn it in early and was willing to pay the additional months that were still left on the term. I turned in the lease in XXXX. On XX/XX/XXXX, I called GM Financial to confirm that the account was closed. Upon confirming this, I was also told by the representative that I would be receiving a refund, which was unexpected. About XXXX months later, in XXXX, I received a bill for {$900.00}, with no explanation of what the fee was for. Since then I have called GM Financial and have requested a detailed invoice be sent to me. I have been told everything from " we can't email you one because your account is closed '' to " we will send that right out ''. I finally received a letter from this week and alas, it has no information about what I am being charged for. I am not being unreasonable in asking for an explanation of what I am paying for. At this point, they have now reported my payment as late which has dinged my credit, which is the reason I am making the complaint. I have tried to resolve this many times with the company and they are unwilling to work with me. I even tried to file a digital request today via their complaint system and it would not let me.
Consumer complaint received 2021-03-01
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: Santander Consumer USA Holdings Inc. (GA)

Santander Consumer is reporting a debt on my credit file and it needs to be removed. I have been disputing this account and Santander keeps updating it and it is in violation. This account is not only past the statue in Utah but this is past the credit reporting limit in accordance to the FCRA guidelines!! It has been well over 7 years since I last made a payment and this must be removed immediately. You are in violation and this needs to be removed.
Consumer complaint received 2020-03-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (FL)

Paramount Recovery Systems has added {$150.00} to my credit report that I do not owe. I do not know who this company is and have no contract with this company. I have never heard of this company until it was added to my credit report. XXXX  will not help in removing this.
Consumer complaint received 2018-03-10
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. (FL)

Transunion refuses to remove the address of XXXX XXXX XXXX XXXX XXXX, XXXX, wv XXXX from my account. I have never lived there. I have lived at XXXX XXXX XXXX, XXXX XXXX XXXX, fl XXXX since XX/XX/2013.
Consumer complaint received 2021-03-25
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: EQUIFAX, INC. (NJ)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX XXXX a ), It states that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2018-03-10
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)

On XX/XX/XXXX I filed dispute with XXXX  and Equifax that collection agency XXXX XXXX XXXX ( XXXX ) with account number XXXX {$3400.00} is not my account and failed to send me validation and they refuse to removed collection from my account that was not opened by me. However XXXX  deleted the item from my credit report back on XX/XX/XXXX. I will like to have negative item removed from my report and I also attach a document showing XXXX deleted the account.
Consumer complaint received 2017-12-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

XXXX XXXX XXXX is attempting to collect a debt not owed by me and has not verified any information regarding this dept. They are also illegally trying to collect a debt from me because they are not legally licensed in the state of Texas as a Debt Collection Agency. This is against the law per section 392. 101 of the Texas Finance Code. They have submitted false information about me to the credit reporting agency and it should be  removed immediately.
Consumer complaint received 2020-07-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd ()

On Saturday, XX/XX/XXXX of the current month, I tried to make an international transfer from the Transferwise platform ( Transferwise.com ) in US dollars, to a bank located in XXXX ( XXXX XXXX XXXX ). The information they gave me from the recipient bank was that I had to transfer the money to the intermediary bank : ( XXXX XXXX, XXXX XXXX ) as an ACH transfer. That was effectively what I did. The account number they provided me was XXXX ( will be provided later if needed ). The transfer was made for XXXX USD. 

On XX/XX/XXXX Transferwise confirms that the transfer has been completed. A few days later I contacted the owner of the account that should receive the funds and she confirmed that she did not receive them. Until today the funds were not received and from the receiving bank they know absolutely nothing and did not give me any response. 

I have received the following responses from Transferwise : Hello XXXX, Thanks for reaching out to us. 

I took a look at transfer # XXXX and can see that it was sent to the intermediary banks details that are shown on the document you've sent us. 

I have attached a transfer receipt to this email. Providing this receipt to the intermediary bank, and asking them to reject the funds, may help to get this money back to you. 

If the payment is rejected successfully, the funds would be sent back to us and we would notify you via email with the option to change the bank details of this transfer and send the payment out again, or, you'd be able to cancel the transfer and receive a refund. 

However, I'm also going to reach out to our payments team here to see what they would advise in this particular situation. We'll be following up with you via email as soon as we hear back from them. 

In the meantime, if you have any questions, please don't hesitate to ask. We are always happy to help. 

Best wishes, XXXX TransferWise After that I have sent more queries and have not received answers. Anyway, I don't know where my money is. I have also tried to contact XXXX NY to no avail so far. 

What I would like is for my money to go back to my transferwise account so that I can withdraw the money and pay my provider.
Consumer complaint received 2018-06-22
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: MIDCOUNTRY FINANCIAL CORP (IL)

On XX/XX/XXXX I sent a dispute to XXXX XXXX at XXXX. Clearly indicating that I was disputing information that I had not disputed in the past. As of XX/XX/XXXX I have received no response and the incorrect information is still on my credit reports. 

There is a 30 day late payment showing on my XXXX Credit Report for XX/XX/XXXX, and a 60 day late payment showing on my XXXX Credit Report for XX/XX/XXXX. So according the my credit report if I was 60 days late in XX/XX/XXXX then the date of first default would be XX/XX/XXXX. 

I was not late in XX/XX/XXXX and I sent XXXXXXXX XXXX my dispute including copies of canceled checks showing my payments from XX/XX/XXXX - XX/XX/XXXX. The account was paid in full in XX/XX/XXXX.
Consumer complaint received 2017-12-09
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: Experian Information Solutions Inc. (CA)

when I took look at my credit report I notice some Hard Inquiry that I know I did not give permission to run. I look at all of the majors credit agency each one is showing something different. with these hard inquiry cause my credit score to drop. I would like these hard inquiry to be correct and remove. from all three credit agency. 

This is list of all the Hard inquiry. 
1. XXXX XXXX XXXXXXXX DATE : XXXX XXXX, XXXX 2. XXXX XXXX -- -- -- DATE XXXX XXXX 3.XXXX XXXX XXXX -- -- -- - DATE .... XXXX XXXX 4.XXXX XXXX XXXX -- XXXX DATE XXXX XXXX, XXXX 5.PXXXX XXXX XXXX DATE XXXX XXXX XXXX.
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (CO)

there was many charges in a 24 hour period i called as soon as i saw them and filled the response in the correct time then on the 11 day the suspended my account and said they said i authorized the charges and then after i said i would stand before a judge and swear i didn't and that all the charges where non swipe that only one after doing my own investigation was me and that i did not dispute that charge they did. they said well you request but since your account is suspended that i can not. when i asked what did i do wrong they said 22d of the member agreement but i said that says i was responsible for the charges and i am not
Consumer complaint received 2018-06-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (KY)

We called on XX/XX/XXXX to ask for a 30 day loan payoff statement. They said that they would send it to us via e-mail within 24 hours. We did not receive anything within 24 hours. We called again on XX/XX/XXXX to ask for the same thing. They stated that it had never been submitted. We were told we would receive it within 24 hours via e-mail. We have not received anything yet except for a survey asking how the call went. There is no way to get this information on the website with our account. We also discussed the fact that our autopayment had not gone through on the call made on XX/XX/XXXX. They said that there was no reason that it would not have gone through, but it did not. So we  asked them to make a manual payment for us and that we would not be paying a late fee because the error was on their end. They asked if any account information had changed, it had not, but we gave them all the information again and the payment magically went through, we were told. Upon review of the account today, it appears that only about 75 % of the payment was made and there is an outstanding balance on the account. I can not for the life of me understand why they would not process the full payment not only when it was supposed to be automatically paid, but then not even when we called to make a payment manually due to their incompetence.
Consumer complaint received 2018-06-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Monarch Recovery Holdings, Inc. (CA)

Monarch Recovery XXXX Calls and messages have used extremely abusive tactics. One agent claimed to be a law office and said they had repeatedly sent communications to my address that were not responded to, so they were going to file with the local courthouse ( not named ). This was false. Yesterday an agent claimed they were from a local courier agency ( not named ) and that they were required to show up to both my employer and my home that day. Of course, nobody came.There have been repeated calls to my mother, grandmother, my mom 's ex husband, and my ex husband. One agent revealed my financial information including the amount of the debt to the family members they have called.
Consumer complaint received 2022-09-12
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-01-25
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. (CA)

I may have checked some boxes improperly to move forward to this page, but there were no clear choices for my specific complaint. 
My complaint is about the entire industry and how and what they report on. 
Case in point : I have run a business for over 45 years, recently retired, savings to live off of till Social Security is taken, home paid for and no debt, which is the goal in life isn't it. 
I choose to buy based on my ability to pay, not to run live my life in debt. Because of this I am being discriminated against by Experian and other credit reporting companies by their reporting of information that is as they state " Hurting my XXXX score ''. 
Example : On Experian they state that I have an insufficient number of accounts that are currently being paid as agreed. To my knowledge I have no accounts complaining of non payment as agreed. They state that I only have XXXX accounts and that to be a XXXX High Achiever I need an average of XXXX accounts being paid as agreed. I have no need for more accounts as I pay as I go. I think this is definitely discrimination against me and how I wish to live my life. If someone is going to report information about me, then I as a tax payer and consumer should have a say in what and how my personal information is reported, not some financial institution that wants to skew my information to suit their needs. My experience in running a business told me to stay away from clients who were overextended. A great example of this is my XXXX brother who for the last 20 years has carried credit card debt in excess of {$80000.00}, making the payment but being unable to get out from beneath its burden. His XXXX score has always been much higher than mine as he is feeding the system. The bottom line is that I choose to not live a life of debt like most American and the US government and I feel I am being discriminated for it. Any information you have for me that explains otherwise would be greatly appreciated as this has been a bad taste in my mouth for 25 plus years, and now that I am semiretired I finally have time to voice my opinion about it. Too many accounts has driven our government to cause inflation, another tax on Americans, is haviong more accounts really a good thing? 
Thank You for your time
Consumer complaint received 2023-01-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ERC (TX)

XXXX XXXX XXXX is a company I've never used before and tried to get removed a couple of years of ago not sure what to do to get this debt removed the account shows opened in XXXX 2022 now and ive definitely haven't had XXXX XXXX XXXX  since or even before than