davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIBANK, N.A. (NV)

I got an offer in my email XXXX credit line available to me. After just a few clicks, the loan was executed. I didn't have a chance to speak with the banker about the interest rate or what to expect, and I was never provided with the executed signed documents. Within a month, I realized the interest rate is not 7 % as advertised ( catch! ), but it's compounding. Since then, I have been trying to contact the personal loan Citibank representative, but the number provided is impossible to get through. Whenever I get a rep online, it goes to outsourced customer service who hardly speaks English who completely dysfunctional to service my banking needs. When I ask to be connected to the United States customer service, I get transferred back into the stream. I went to the local branch of Citi Bank XXXX XXXX XXXX XXXX NV a month ago asking for help with this loan and if they could explain how this interest rate works since I haven't gotten ANY disclosures, not email or hard mail. The branch manager said they have nothing to do with my personal Citibank loan, and I have to call the number provided online for the personal loan department. I explained I have been trying and its been months. I requested them to order hard copies of my loan signed. I never received any documents. I have contacted Citi bank many times through chat they said they have no access to a personal loan. I am paying each month on time and it has been months since I can not get disclosures. 

On XX/XX/XXXX, XXXX XXXX sent me a check for {XXXX} at the CitiBank address. I provided them with my checking account number and my debit card number. The next thing I know, this check was cashed towards my personal loan without my consent. The only information for this check was given is the debit card and checking account number. I lost these funds to be available to me as it was anticipated with the request of the transfer from XXXX XXXX. Again I can not get in touch with anyone in the personal loan department. 
I can't get my personal loan full number XXXX to provide for this statement because I have no disclosures. Online it only shows the last XXXX numbers. I only have a reference number from the email after this loan was executed just after a few clicks. Why my funds of {XXXX} was deposited towards the personal loan without my consent while the issuing bank had clear instructions for my checking account only.
Consumer complaint received 2020-09-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

DUE TO COVID, WE ARE NOT ABLE TO MAKE OUR PAYMENTS OR SETTLE WITH SLS, as we have previously tried to. BUT NOW THEY THREATEN US WITH FORECLOSURE.

When the economy and real estate market crashed in XXXX, we lost our jobs and savings and investments.

After 5 years of continuous fight, we got a modification on the first. We could not afford any payment on the SECOND ( equity line ) and beg for forgiveness from XXXX XXXX XXXX, but we were informed that they no longer service this loan. Apparently, they sold it to Specialized Loan servicing ( after getting the bailout money from the government ). 
For 12 years I have tried to communicate with SLS to get an affordable payment plan or forgiveness or a reasonable settlement. But their DEMANDS were beyond my capability. NOW they doubled the original principal loan balance. 
SLS customer resolution, Miss XXXX is the appointed agent for my second mortgage. 
Since XXXX my health deteriorates tremendously due to stress. I have developed a severe health condition call XXXX, due to intense stress trying to get modifications with the first and second for the past 12 years. Now, every time Miss XXXX calls me, my XXXX rate goes up to XXXX to XXXX bpm as she speaks to in a very unprofessional manner, she threatens and harasses me continuously. I repeatedly ask to talk to her manager, Mr XXXX, but she says, he Is not available to speak at the moment but will leave him a message. BUT HE NEVER CALLS ME Whenever I called in, I spoke to whoever answers the phone. I have spoken to Mr. XXXX and Miss XXXX who were very professional and treated me fairly. But Miss XXXX continues to call me and leave messages for me to call her, even after repeatedly in previously recorded conversations, asked her to not call me and requested all corresponding in writing, due to my health conditions. But I believe these recorded conversations are edited by their company or was never recorded. 
On XX/XX/XXXX, I called and spoke to one agent about the settlement ; she said that they refused my offer and that they will only accept XXXX. This was beyond my capability and I would like to apply for a modification after the expiration of the settlement. 
XX/XX/XXXX I called to get an update status and to request a loan modification, unfortunately, XXXX answered the phone, and again she started to THREATEN AND harass me. ( She says to me, you have not made any payments in 12 years and we are going to foreclose on your house. There is already foreclosure on the account ; I said that I  was told I can apply for a modification. ( She says that my loan is not qualified for any modification. The only option is to pay the balance or foreclosure ), as she refused to acknowledge THE HOLD ON ALL FORECLOSURES IN CALIFORNIA AND MISS XXXX CONTINUES TO THREATEN ME WITH HER HARRASSING PHONE CALLS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2023-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. The following Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-03
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Collection Bureau of Fort Walton Beach, Inc (FL)

Today in the mail we received two collection notices from the " Collections Bureau of Fort Walton Beach '' which claims we owed a debt of {$24.00} plus fees from a company I have never done business with " XXXX XXXX XXXX'. The notice looks like it is from a government agency of XXXX XXXX XXXX with the address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. 

The company in fact is a collection agency called XXXX? Please take a look.
Consumer complaint received 2022-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (LA)

I am submitting another complaint about Comenity Capital Banks inaccurate credit reporting to the consumer reporting agencies. Comenity Capital Bank responded to a complaint via the Consumer Financial Protection Bureau ( Reference Number XXXX ) on XX/XX/2022. I reviewed the response letters and obtained a copy of my credit report from XXXX on XX/XX/2022 to determine if the items Comenity Capital Bank reported to the credit reporting agencies were consistent with the banks response to the CFPB. 

I found that Comentiy Capital Bank was false in its response to the Consumer Financial Protection Bureau. I would like all items deleted immediately for violating multiple laws and regulations and for the intentional false response to the consumer reporting agencies on XX/XX/2022 and the Consumer Financial Protection Bureau on XX/XX/2022. 

Comenity Capital Bank is defaming my character by reporting accounts that have not been properly validated, reporting them inaccurately and refusing to permanently delete the accounts after being notified of the errors. 

A signed binding agreement between Comenity Capital Bank and XXXX XXXX still has not been provided for any of the accounts listed below. The accounts were transferred to other companies without an agreement. I am not liable for any of the accounts due to the lack of a signed binding agreement with Comentiy Capital Bank.
Consumer complaint received 2022-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American First Finance, Inc. (TN)

I have no knowledge of this account. I called and was told the account was transferred from XXXX XXXX XXXX for which I've never financed any furniture. I reported to police department that my identity was stolen therefore several accounts were a result of theft due to my wallet being stolen. Also, this billing company who placed the account on my credit apparently purchased the account for pennies on a dollar in hoping to collect of a fraudulent account. This debt does not belong to me.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (GA)

I have disputed this debt with the CFPB with this company on multiple attempts and directly with the company. This company has been unable to validate that I owe this debt and has not sent any documentation that I owe this debt. Yet it still on my credit report. I have validated the validity of this debt over 5 times over the course of the past two years, and it has not been verified. GM Financial is providing false and inaccurate information to the credit bureaus.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Reliable Credit Association, Inc. (WA)

I disputed the information via XXXX site 2-3 times. Says account is closed and no current payment being made. Account is very much open as I make payments every month. It was included in bankruptcy but not discharged! Kept in good standings. XXXX failed to verify any of it and says it's correct, when trying to upload proof to XXXX it will not work. Also contacted Reliable credit card asked for a payment history, nothing yet and it's been 2 weeks!
Consumer complaint received 2024-03-02
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I fell victim to a scam where the scammer obtained my card number and security code, making unauthorized purchases. They spent {$140.00} at XXXX 's and {$230.00} at XXXX in XXXX XXXX on XX/XX/XXXX, total of {$380.00} withdrawn from my BofA student account.
Consumer complaint received 2021-03-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Crown Asset Management, LLC, Duluth, GA Branch (NV)

On XX/XX/201about i spoke to a XXXX at XXXX XXXX  and Crown Asset management ( my complaint is about both companies ) XXXX XXXX XXXX XXXX XXXX in CA and GA about a debt they just received they say is mine. I started talking about doing a debt settlement, when a XXXX burst on the phone and stating i can not get the money and started insulting me and threatening me and yelling at me and very abusive to me, then hung up on me. 

I am XXXX years old and this threatening and vertebral abuse is not right and maybe illegal. 

I also requested a Debt Validation which i am suppose to receive by law. I requested in the first 30 days. 

I am also going to file a complaint with my attorney general in the state of Nevada
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been locked out of my transunion credit report for over a year. I have contacted them numerous times including XXXX and two weeks prior. They have told me several times that it will be fixed and they are mailing me a copy of my credit report. This has not happened. I am certain there are errors on their report and need access to this. I appreciate your help in resolving this matter.
Consumer complaint received 2022-04-03
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. (OH)

Ive sent Certified Letters and Called Transunion and XXXX to update my Legal Name They Refuse. My Primary Name and only name on my Report should be my Legal Name only. They will not Update properly.
Consumer complaint received 2023-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 


XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (PA)

I tried to reach Lexis Nexis to correct adverse information on my credit report regarding my auto policy lapses. I have provided the proof from insurance companies to show there was no policy lapses at all. This has been going on for 4 months now and the customer support keeps saying that they sent letter to reflect the corrected information which I have not received in over 45 days or so. Their XXXX report management and incorrect consumer risk information is resulting in paying more premium than what I should. I have made more than a half dozen phone calls and wasted over 3 days or so far providing proofs, gathering receipts and talking to the agents. My wife and son are part of my policy and their information is also being reported incorrectly. This company is very unprofessional and lazy in in correcting or responding to and correcting their mistakes. My family is being penalized for promptly paying the premiums and maintaining up to date coverage.
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (CA)

Specialized Loan Servicing ( SLS ) is refusing to report my account accurately to the credit bureaus. I have called nearly 20 times, email and faxed this servicer and they continue to lie and give me the run around. I sold my property and paid the loan off in full. My payoff was {$600000.00} and I sold the property for {$630000.00}. I also received an escrow refund credit for {$1500.00} due to paying off earlier than payoff deadline. SLS is refusing to report as a paid in full account. They are reporting the account was a settlement, clearly a lie, false, not true, fraudulent and damaging. This was not a short sale or less than full balance account, SLS received every dime owed. When I call they even state the loan is paid in full and don't know why its being reported incorrectly. SLS was paid off on XX/XX/2019 and they still have not reported the loan status correctly. They report it " legally paid in full for less than the full balance '' this statement is incorrect and fraudulent. Its also causing me harm and injury. I want this mortgage account status to report Paid In Full XXXX balance!
Consumer complaint received 2021-05-05
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. (MA)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
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 — Personal information incorrect
Company: EQUIFAX, INC. ()

I applied to refinance my home loan with XXXX Bank in XXXX. They outsource credit checking to Equifax. 

Equifax incorrectly entered my name on the credit report combining my name with my wife 's! I logged an initial request to have this rectified on the XXXX XXXX. Received an email from them on the XXXX XXXX asking for a 21 day extension. Called them on the XXXX XXXX and below is what transpired. 

Call Number 1 - Discuss contents of email with the first call centre representative. They don't know what the problem is and state they can only email the team responsible so have no further details. I ask to speak to a Supervisor, they agree and put me on-hold for 10+ minutes and then disconnect me. No call-back from anyone - they have my number why not call back? 

Call Number 2 - I call back, speak to another call centre representative, explain the situation again and ask to speak to a Supervisor, they agree and put me on-hold for 10+ minutes this time they don't disconnect me they put me through to a survey asking for my feedback. Survey - I complete survey providing lowest scores possible. 

Just to be clear this is the worst customer service experience I have ever encountered. If this is indicative of Equifax 's overall operations then they should immediately cease business as no stakeholders could have any confidence in the reliability of the services they provide!
Consumer complaint received 2021-05-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2023-02-01
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: Elevate Recoveries, LLC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$300.00} Acct Opened : XX/XX/2022 In accordance to the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602, it specifically states that I have a right to privacy and my information shall not be shared without consent. Also, 15 USC 1681 Section 604a states that a consumer reporting agency can not furnish my account without my written instructions under 15 USC 166b. A creditor may not treat a payment on a credit card as an open end consumer credit plan as late for any payment.