davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (NY)

I got approve for Citi XXXX  credit card on XX/XX/XXXX after ten days never got the card, I move to florida XX/XX/XXXX contact Citi to request a replacement card mail to my new address they confirmed the new card was mail after contact a few times the answer was the card is in the mail, this card has an three month offer to get XXXX points, the time is running and the only thing I have is the photo of the card someone send me from my old address if I go to the store I have to put the number manually, Still waiting for the card.
Consumer complaint received 2022-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

I have paid my mortgage to Flagstar Bank, XXXX, MI, of {$1900.00} every month since closing in XXXX, XXXX. On my XXXX or XXXX, XXXX statement, I noticed that my payment was escrowed for homeowners insurance. I promptly called Customer Service to inquire about this since I never signed up for escrow and pay my insurance and taxes directly. I had my insurer send the appropriate documentation confirming that the insurance was paid up to date. A Flagstar Bank 's Customer Service rep confirmed in a later call that it was up to date and my mortgage would be put in order, Escrow account would be closed. Every single subsequent call with this Bank 's service people confirmed by the end of our call that everything would be corrected and put in order ; the error would be corrected. Throughout this period, my payments have been continued every month automatically from my bank. A late fee was waived due to their error in XXXX, XXXX. 
Every single month since XXXX or XXXX, I have gotten calls, and now letters, from their Loan Mitigation Department ( Collections. ) According to my records, I have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, early XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I even sent a Registered Letter to the Loss Mitigation Department and copied by Registered Mail, XXXX XXXX XXXX, Flagstar Bank 's Head of Servicing, to explain ( again ) the problem and requested that they move the funds from the Escrow and suspense accounts, which I have been told since the XXXX call would be closed, applied to my principal and interest. I received absolutely no reply to this letter. 
I followed up again on XX/XX/XXXX with " XXXX '' in the Escrow Department which was very promising. She totally understood the problem, made the appropriate computer notations and instructions to escrow/suspense account personnel, and said it would take 3-5 days to make the corrections and apply the escrow and suspense to my P & I. Today, XX/XX/XXXX, I received yet another letter from XXXX XXXX dated XX/XX/XXXX, to " consider your options. '' In my entire career in the mortgage securities business as an XXXX in the XXXX XXXX divisions of major reputable corporations, I have never seen nor been victimized by such egregious incompetence. With a 2.75 % mortgage at stake, I almost understand it, but they signed a contract to service my loan and I will continue to pay it. 
However, inasmuch as there may be harassment and/or fraud involved ( perhaps??? ), I request that my case be reviewed by the CFPB. I have followed up monthly and diligently with Flagstar Bank since XXXX or XXXX. It is now almost 6 months where their employees have said that they have resolved this issue, yet their Collections Department continues to call, send letters and apparently no one, including XXXX XXXX, EVP and XXXX XXXX XXXX has resolved the issue on my outstanding loan of $ XXXX. 
I have documented all calls, and can send documentation, letters, notations of the calls, and statements, etc.
Consumer complaint received 2020-12-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To whom it may concern, I recently received a response to a dispute regarding an erroneous item on my credit report involving a transaction that was verified regarding the disputed item, and thus, electing to leave it on my report That is the way it appears on my credit reports :. {$290.00} Closed Overview You're currently using 295 % of your account 's limit. 
Balance {$290.00} Credit limit $ XXXX Monthly payment {$0.00} Opened XX/XX/XXXX ( 1 yr, 9 mos ) Payment History Last payment XX/XX/XXXX Current Payment Status In Collections/ChargeOff Amount past due {$290.00} Worst Payment Status No Info Account Details Account status Derogatory Type Charge account Responsibility Individual Remarks Charged off as bad debt Canceled by credit grantor Times 30/60/90 days late XXXX Closed XX/XX/XXXX You have a dispute in progress DIRECT DISPUTE We've sent your dispute request to XXXX, and we'll let you know when it's complete.

CHECK DISPUTE STATUS Creditor Information BLOOMINGDALES DEPARTMENT XXXX XXXX  XXXX XXXX, OH XXXX This is what appears on my debit card statement : XX/XX/XXXX Purchase authorized on XX/XX/XXXX Bloomys XXXX XXXX XXXX FL XXXX Card XXXX {$200.00} I am absolutely certain that the item I disputed is incorrect and should be removed. 

All previous letters and documents that I sent to you are once again attached along with this correspondence in order to help you process this request. You will also note in the attached items the fulfillment of payment for said dispute. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error.. 

I expect to receive a response, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX SS : XXXX
Consumer complaint received 2021-04-12
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. (NC)

I got a pay day personal loan with personify financial a little over a year ago. the interest rate on this loan is too high and so i had my bank block them from taking money out of my account because they were asking for too much to repay the loan. they then charged off the debt and it's been charged off for over a year, without them turning it over to a collections agency. they refuse to tell me who the collections agency is and refuses to turn the debt over to a collections agency. this is affecting my credit and ability to refinance my mortgage. i would like for them to update the credit bureau transunion to remove this from my report. thanks. in addition, now they are asking for an offer of over $ XXXX when the initial loan was only $ XXXX. that is insane.
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (MA)

I am trying to get an issue resolved with GM Financial and have disputed it through XXXX  and GM but am having difficulty. 

I had bought my car at lease end on XX/XX/2020 and paid off the up to date payoff balance and the dealership sent the disposition fee. On XX/XX/XXXX, GM financial received and paid an excise tax on the car but when they sent me the bill in XXXX, it was labeled as a disposition fee, which I knew was paid. I called GM and was told the disposition fee was never paid. I contacted the dealership and they sent out a copy of the canceled check. I was not notified by GM again, and in XXXX I noticed a XXXX point drop on my credit file due to a past due payment to GM Financial. I called XXXX and was told that it was the disposition fee, ( not an excise fee ) that was late. I explained that the dealership paid it and would contact them again, I was told once proof of payment was made they would correct my credit file. I contacted the dealership, XXXX XXXX again and they sent the cancelled check again on XX/XX/XXXX, this time cc'ing me on it. On XX/XX/XXXX I checked and nothing was done by GM, so I called and this time was told it wasn't a disposition fee, but an excise tax and they would correct my credit file as it was late. I asked how can I be late on something I had no idea of and even the documentation provided by GM was incorrect. I paid the balance of XXXX rather than have it continue to be late though I have my doubts on the validity of the charge as I received another excise tax bill. I really want GM to let the credit bureau know that I wasn't late, I wasn't given correct or timely information and I had an exceptional credit score until this happened and delingencies follow for 7 years..
Consumer complaint received 2022-04-02
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. (GA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 2020-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

The credit bureaus are incorrectly reporting a Chapter XXXX Bankruptcy on my credit file. I have sent several request to have this account removed from my credit file and it keeps coming back as verified. I have never filed for bankruptcy so I am unsure where they have gotten this info from. I have checked with the supposed court house they got this info from and they have stated they do not provide information to 3rd parties regarding accounts. So they do not have documented proof to even report this fraudulent account on my file.
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 2021-05-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TRANSWORLD SYSTEMS INC (TX)

I am a resident physician with medical school loans. These loans are supposed to be in full deferral while I am in residency. This was approved each year. Additionally, I was granted a COVID-19 full deferral where interest is not supposed to accrue through XX/XX/2021. I have dealt with customer service several times on the phone who says the interest will be removed and will stop accruing. However, it continues to accrue each day and my balance continues to increase, in error. I previously placed a complaint for this and it was closed without being addressed. As you can see, I attached my statement showing interest is still accruing, now in the amount of {$120.00}. This needs to be removed and the interest needs to stop accruing. University Accounting Service , LLC has done nothing of substance to actually address this issue. They simply say that I should not be accruing interest, and still continue to charge me interest. This is unacceptable and fraudulent.
Consumer complaint received 2020-11-04
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. (CA)

I have a child support agreement with the Texas AG in which I pay support. I have bi-weekly wage garnishments setup via the Texas AG office so I get them their payments ontime, every two weeks, for the last 10 years. Every so often they send incorrect information that I am late in my arranged payments. This is the problem : they made an agreement with me to collect every two weeks, but report ontime status on a monthly basis. This creates months where I am " ahead '' in payments and months I am " behind '' in payment. My complaint is based on the idea that I am fulfilling the arrangement they setup for payment. How can I be reported late for abiding by the payments terms they setup? I have sent multiple disputes to all 3 CRAs XXXX, TransUnion, and XXXX. XXXX  has blocked this incorrect reporting, but XXXX  and Transunion continue to not investigate or actually review the terms, paystubs, and Texas AG records of 100 % on-time payments that I send.
Consumer complaint received 2022-04-02
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. (CA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Kimball, Tirey & St. John LLP (CA)

I have an eviction showing on my XXXX report from 6 years ago. It's been paid for 5, and me and my children are going through a really difficult time trying to get an apartment to live in. We are homeless, and this reporting of this information is impeding the wellness of me and my children. The company that reported it ( Kimball, Tirey, and St. John ) refuse to remove it.
Consumer complaint received 2021-05-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: NEW YORK COMMUNITY BANCORP INC (NJ)

Walked into a branch of Garden State Community Bank in XXXX, NJ and requested information about opening a certificate of deposit. After the rep gave me the terms and yields, I requested to open a 3 month CD. At account opening, I gave the rep my licence, foreign passport, ITIN and a credit card as a secondary ID. The rep started asking me uncomfortable questions about my citizenship using degrading and inaccurate terms, then went on to say that, since I have an ITIN and I'm an XXXX XXXX, I can not open an interest-bearing account. I asked why I can't earn interest having an ITIN and all the IDs required for her to identify me and she replied that XXXX does not open interest-bearing accounts to XXXX XXXX
Consumer complaint received 2021-05-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY (TX)

The attorneys for Wells Fargo Bank N.A. ( the bank ) failed to serve us legally for notice of a Judgment Lien court date, wherein we did not get the opportunity to defend ourselves prior to a judgment being illegally entered against us. The bank previously failed to notify us ( by legal service ) for this same case prior. We called them out on this failure previously in writing. The bank claims that they sent notice by US mail, however not even one of the multiple letters they claim they sent were EVER received. The attorney for the bank works from XXXX XXXX, CA. We live in the country in XXXX, TX. We believe that the bank failed to provide us with legal notice to get a default judgment lien against us illegally. We were denied the opportunity to our defense. To close this matter out, we made a settlement offer. The greedy bank declined. We dispute that we were ever served and will seek further action.
Consumer complaint received 2021-05-05
Product: Credit card or prepaid 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: Experian Information Solutions Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

XXXX XXXX is showing me a balance when it needs to be removed from my report. They have sent letters supporting the removal but still has it under the one siteXXXX needs to be removed and the other charge off and close the account.
Consumer complaint received 2021-05-05
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. (WA)

I pulled my credit report and noticed inaccurate and unauthorized information reporting on my behalf, and it is to my knowledge per the Fair Credit Reporting Act ( FCRA ) that any inaccurate or unverifiable items be removed. I am therefore requesting that the inaccurate information be removed from my credit report. The following account is not mine and need to be removed : XXXX XXXX XXXX XXXX I've also submitted an FTC report which I attached.
Consumer complaint received 2020-11-04
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: EQUIFAX, INC. (OR)

I THOUGHT THAT I HAD FIXED THE PROBLEM WITH THIS CREDIT AGENCY ( EQUIFAX ) ON XX/XX/2020, BUT I FIND THAT THE PROBLEM IS STILL THERE ON XX/XX/2020. I PAID FOR THERE SERVICES XXXX AND I TRIED TO LOG IN TO MY ACCOUNT TODAY AND IT TELLS ME TO CONTACT THEM. SO I DID AND GAVE ALL MY INFORMATION AND AFTER ALL THAT TIME SHE INFORMS ME THAT THEY CAN NOT VERIFY THAT I AM WHO I AM. THIS IT REDIULUS AND IM NOT ONE BIT SATISFIED AND THIS HAS CAUSED ME TO SUFFER AND I AM OUTRAGED
Consumer complaint received 2022-01-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE. I demand proof TO SEE ' Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. i XXXX XXXX legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the XXXX U.S C41, et esq I have the tracking # for all communications.