davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-10
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: Experian Information Solutions Inc. (NY)

A New York state Tax Warrant was issued to my husband and I on an amount owed that was still in dispute. I paid the full amount even though it could ultimately end up less money in our favor. I paid the full amount because it appeared on our credit report in our " public record '' section - lowering our credit score and making it almost impossible to get a loan. Our daughter is going to college in the fall and we need to secure a loan for her before then - this is a nightmare - please help.
Consumer complaint received 2022-02-18
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: Experian Information Solutions Inc. (PA)

Hi, my name is XXXX XXXX. I am reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent charges are showing negative results on my credit report. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commission 's Identity Theft Affidavit. Please remove these items as soon as possible.
Consumer complaint received 2019-11-08
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LOBEL FINANCIAL CORPORATION (TX)

Lobel financial is reporting inaccurate information on my report my car was repossessed after two years of making payments and they are trying to charge interest on top of the repossession they refused to report the accurate amount so I'm asking for it to be taken off my report
Consumer complaint received 2019-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NJ)

I got a deferred credit card ( synchrony luxury card ) last year. I have been making payment and about 15 days ago paid or at least I thought paid the remaining XXXX dollars. Today I look because I am ready to make a purchase using the credit card and realize I now have XXXX dollars. The supposed XXXX I never paid which I did. And then the XXXX accrued interest. There was a fault in the app and now I am stuck paying XXXX dollars extra. I have 100 percent on time payment with any credit card or Loan I have done. I do not miss payments.
Consumer complaint received 2019-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST (NV)

When I check my account last month. I only owe {$74.00} balance negatives and I check this week. I check again its from {$74.00} to {$190.00}. Negatives they charged me another fee. Five day negative fee of {$30.00}. Then next they charged me 4 {$34.00} fee. The XXXX XXXX  and XXXX XXXX. I called both bank. XXXX said that I didnt owe them anything. No return check. Also XXXX  said that its was return fee. So did stop them from send check thought, I sign up to have check paid and debit card paid. They rather keep charging me fee. Rather just pay the one card. So would owe them over 4 fee. So that when ask can I closed the account. I was told no until the money is. This bank should be closed bank of fee.
Consumer complaint received 2021-07-02
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: Experian Information Solutions Inc. (CA)

I just check all three bureaus and realize that things are not bein update. I paid my bills on time and the bureaus have not updated in two months this is effecting my credit score and is not fair when im paying on time and it should be updated once a month if not more. I would them to update all my payment made on time for XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2021-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

When Nationstar ( now " Mr. Cooper '' ) purchased my mortgage from XXXX  XXXX XXXX several years ago, my mortgage payment was approximately {$2400.00} per month. Suddenly, upon the change in " ownership '', my mortgage payment jumped almost {$1000.00} dollars per month. I am now paying a mortgage that I would pay for almost twice as much house. I have repeatedly reached out to Mr. Cooper for answers and to have this issue addressed. To date, there has been no substantive response. When the matter initially occurred my house went into foreclosure because the appropriate amount had been automatically removed from my bank account and suddenly was insufficient. I was given no notice and subsequently learned that we were about to default. I incurred approximately {$30000.00} in costs in order to avoid default. Since then ( XX/XX/XXXX) we have continued to overpay while attempting to address this issue with Mr. Cooper.
Consumer complaint received 2020-11-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

This is the follow up to my previous complaints. Fraud department told me they made the decision on XX/XX/XXXX, not to return any of the funds to me in my checking account which they closed with no explanation. 

I no longer care why the closed the account. I know there was no fraudulent activity. In fact, the account was opening with a wire transfer directly from my checking account at another bank. 

I am awaiting they return of {$6500.00}. It was confiscated out of my account on XX/XX/XXXX. I am in the process of researching all regulator bodies where I can file formal charges for this error.
Consumer complaint received 2019-05-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (FL)

Please provide any and all information regarding this debt including payments made, charges, fees, interest, terms, rate, etc. 
I have requested this information over and over and over for years - all to no avail. 
Thank you.
Consumer complaint received 2021-08-14
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: CITIBANK, N.A. (CO)

On XX/XX/2021, my card was charged for a service I did not receive in the amount of {$390.00} I notified the card and filed a dispute on XX/XX/2021 On XX/XX/2021, Citi notified me that that were ruling in the vendor 's favor even though the vendor did not respond at all. 

This is contrary to the CFPB law, which indicates that a vendor must respond within 30 days.
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Credit Karma (NY)

I enrolled in the use of credit karma, approximately on or about XX/XX/19. I was sent an alert that my account was accessed from another device. Not mone not me at XXXX XXXX. I reached out to there so called customer service department who stated they would get back to me with in 48 hrs. Well now it's over 100 hrs and no one has returned my email. If i am a victim of Identity theft I want to get ahead of this ASAP. It seems like they have been hacked and are afraid to publicly announce it. I hope you can bring this to light as you did with XXXX. 
Best Regards XXXX XXXX XXXX
Consumer complaint received 2021-01-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2021, I googled how to get my LLC through the IRS for a company I created. A site popped up saying it was the irs with very similar credentials. I knew obtaining a LLC cost so the {$240.00} I paid I assumed was for my LLC. Instead, it was for an EIN that I know the IRS does for free and does not charge. Immediately after I receive the email I contacted Chase on XX/XX/2021 about the charges from this fraudulent company that came off as the IRS. I explained that I was trying to obtain my LLC and during the application process that is what I checked. They sent an email saying they requested an EIN from the IRS when I didnt need an EIN, I wanted to obtain my LLC for the business. Obtaining an EIN is free and IRS said be aware of companies pretending to the them. Chase immediately temporarily reversed the funds and then on XX/XX/2021 I noticed the charge was reversed again charging me for this service and pending in my account putting me in the negative.
Consumer complaint received 2017-07-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (MD)

To Whom it May Concern : In XX/XX/XXXX I requested a home modification with Citimortgage and was granted a modification in the amount {$1200.00}. In XX/XX/XXXX my husband and I filed for bankruptcy and although I was able to make the modified mortgage payment I knew that in XX/XX/XXXX the full rate and term would apply so I again applied for a modification to ensure that I would be on a better path financially and able to keep my home. In XX/XX/XXXX, I was granted a rate and term modification. The rate I believe was 3.5 % and the term granted was a 40yr loan in the amount of {$1800.00}. I began making the three-month trial payments and I signed off on my loan modification documents that were sent to my attorney. I was advised that the modification had to be approved by the bankruptcy court but to continue to make payments. Since XX/XX/XXXX I have been paying the amount agreed upon with Citimortgage. In XX/XX/XXXX, I discovered that the modification had not been approved by Citimortgage in the time requested and that I was now in default. <P/>I was advised by Citi to reapply for a loan modification using the Making Home Affordable application which I did on XX/XX/XXXX. Since that time I have resubmitted the application countless times along with over 85 email submissions with documentation including income, bank statements, explanations of deposits, explanations of income, explanations of condo fees, proof of insurance, tax documents, etc ... Every single time I submitted a document Citi mortgage would request something new. Additionally, Citi Mortgage has provided me with over 10 different Single Point of Contact/Homeowner Specialist. <P/>Today, I spoke to XXXX XXXX, Single Point of Contact for Citimortgage. He informed me that my application for modification had been denied. He stated that the Underwriter was not able to approve me Making Home Affordable application because the program ended in XX/XX/XXXX. I asked him how could that be possible since I have been in this process since XX/XX/XXXX. As recent as XX/XX/XXXX and XX/XX/XXXX I received letters from Citi Mortgage with the Making Homes Affordable application attached. If the program ended in XX/XX/XXXX why would they continue to send me applications after the program deadline? XXXX also stated that the underwriter tried to place my modification through another program and found that I was ineligible for it. <P/>Citi Mortgage gave me the run around for almost two years and it was n't until I threatened to file a claim with CFPB that they moved forward and denied me. It is my feeling that they did this knowing that I would have no recourse and they could step in and foreclose on my home. They are offering me no remedy after asking me to submit hundreds of documents.
Consumer complaint received 2017-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXXXXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. Box XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2021-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MA)

My loan is serviced by US Bank loan number XXXX and is escrowed for home owner insurance. I have never been late. I received notice that my insurance policy was about to expire I contacted US Bank directly and ask them to pay the amount of my insurance it was due immediately they indicated that they could not make payment until they received the new policy to see if there were any changes. I called the insurance company to ask them to submit the renewed policy they indicated that they can not submit the new policy until payment is made which makes total sense. I called back to US Bank and explained what the insurance company told me they said that my agent needed to send them electronically through their website an invoice and a copy of the declaration page this all occurred on XX/XX/XXXX days after my policy expired. My agent did send the information as requested. On XX/XX/XXXX I received in the mail a letter from US Bank indicating that my policy had expired and they were going to force place insurance at a significantly higher cost. I again contacted US bank as almost 2 weeks had passed from my initial communication with them and they indicated again they could not make payment without receiving an invoice. I have had many other mortgages all of the service service worked directly with the insurance company to affect the payment in a timely fashion I was caught in a catch 22 and extremely frustrated and afraid that my Policy had expired. In an effort to ensure that I still had coverage I went online to the insurance companies website and paid with my credit card which also included an {$85.00} processing fee for online payment I then had to provide proof of this payment to US Bank which is now making a duplicate payment directly to the insurance company which the insurance company will have to process to issue me a refund. All of this seems so frustrating and unfair as I feel I have done my part in making my payments in a timely fashion and it is my services responsibility to use my escrowed funds to ensure payment. This all seems like an unfair and abusive practice and at minimum is a disservice to the customers they are servicing.
Consumer complaint received 2021-09-17
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: EQUIFAX, INC. (MO)

ON XX/XX/2021 I sent a depute to Equifax Information Services LLC regarding incorrect information on my credit report. I was never sent any information regarding the depute in writing like I ask the only way I knew anything happened is by the web I ask that whatever the outcome I will be sent that information in writing with 30 days from theXXXX I never received such information. being that I never heard from them within that 30 days the information in depute should be removed from my credit report.
Consumer complaint received 2019-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

i did busines with capital one not this third party debt collector this company can not show proper debt validation and by regulation of the fcra section 609 they have to provide original contracts which can not be provided by this third party company whom is trying to collect illegally
Consumer complaint received 2019-10-03
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: Experian Information Solutions Inc. (CA)

I am filing this report today XX/XX/19 because unfortunately, someone named XXXX XXXX opened an account in my name without my permission. I have no idea who that person is or how she/he got my personal information. The only reason I noticed this unauthorized account until today is because I applied for a loan and I was denied due to that account being in negative standing. I did not open that account and I do not have any written/verbal contract with that company nor have I ever allowed them to run or access my credit information. I did not get anything as a result of that account being open in my name such as money, goods, services or any other benefit and I have already filed a police report.
Consumer complaint received 2019-02-26
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. (FL)

I demand that you send me copies of the documents you used to verify the following inquiries listed below or you delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank  Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All XXXX - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX BYMAILONLY XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Card Processors XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Consumer complaint received 2019-02-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MN)

I assumed this loan for my daughter. When she graduated she never found employment in her degree/field. I had to support her while she tried for several years to find work in her degree. I have paid on this loan as best I could having to move from place to place 6-12 months consecutively with another move due to a sale of current household in XX/XX/2019. 

She finally took a XXXX job but still needed support due to low wages. I am retired with a Federal Retirement benefit and social security. Due to losing my house, my age XXXX and not driving I have had to move regularly incurring expenses and defaulted for a time during these moves. 

I would like to work with someone for a normal monthly payment yet have been put on hold for more than an hour and now having my social security and federal retirement garnished and told conflicting information on my retirement and payment plans. 

Relief would be desirable yet with no judgement against me my retirement will be garnished leaving me with barely a livable wage. My daughter graduated almost 10 years ago and still doesn't work in her selected field and still works for a bit more than minimum wage. I would still be helping pay her rent has she not found a low income apartment.
Consumer complaint received 2016-09-30
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (CA)

I recently bought a refrigerator at the Sears store in XXXX, California. I applied for a Sears Citibank Credit Card and received immediate approval. There have been many problems with the product beginning with its delivery and I have been unable to receive any satisfaction from Sears. 
I called the Citibank Credit card people about 2 weeks ago and told them I had not received the physical card or the membership agreement. I received the card in a few days but have still not received the membership agreement. As I have received no satisfaction and many broken promises from Sears I want to know what my legal rights are with regard to withholding further payment on the card. 
I have already paid a substantial part of the bill but want to know what rights I have which would ordinarily, I believe, be in the credit card agreement which they apparently are not sending me. 
Thank you for whatever advice you can give me. I have already been in touch with Sears, the XXXX, the FTC, and the California Department of Consumer Affairs with my complaints regarding the product and service.