davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have fraudulent accounts reporting to collections : I don't know how people are getting my information but this is crazy that this is happening again. 

XXXX XXXX XXXX - Collections - XX/XX/18 - {$1500.00} XXXX Collections - XX/XX/18 - {$1100.00} XXXX XXXX XXXX XXXX XXXX Collections - XX/XX/18 - {$75.00}
Consumer complaint received 2020-10-22
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: AMERICAN ADVISORS GROUP (OR)

Hi! Thanx for this opportunity. The company AAG ( and its servicing office Reverse Mortgage Servicing Department are not responsive to a simple request for an account statement. The company does not offer on-line access despite the fact that assurance was given from the first moment of the application process through closing. The company and servicing center give inaccurate information, conflicting information from many representatives, does not returns calls as promised and has no way to request an e-mail with an account statement without up to a ten-day delay. I have spent over three hours on the phone attempting to secure a statement. I have no options remaining and wish to file a complaint about both offices. Please let me know how to proceed. Thank you for your time.
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SD)

Add Remarks to the following credit entries on my credit report. 
XXXX XXXX XXXX 1 ) Attempted to catch up on my past due payments in XX/XX/2017, but was told no by XXXX in a rude and threatening way. 
2 ) XXXX tried to use XXXXXXXX XXXX XXXXXXXX of XXXX to collect to past due amount but was attempting to collect a higher amount and violated the FDCPA. 
3 ) The Repossession company they hired breached the peace by illegally entering the house and made demands, they was told to leave immediately. 
4 ) XXXX still charges interest on this closed off account and shows i haven't made any payments before it went in to default status.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I visited Home Depot in my local area to open a credit card and make a purchase for an outside kitchen project. Among other things, the single purchase included XXXX kitchen aid grill, one kitchen refrigerator, one kitchen sink, and outside kitchen doors. I was approved for a $ XXXX credit line after application and I attempted to make the purchase of the items for {$2700.00}. 

The entire process was handled by Home Depot customer service. This is when the problems started. During the 2-3 hr transaction while at the store customer service counter, I was contacted by the fraud department on my phone. They were concerned that someone was trying to charge {$2700.00} seventeen times on my card. I was told that two were processed, which sent my card balance over the limit. I informed the fraud rep that the Home Depot customer service rep is trying to process the transaction right at that moment and probably did it. To shorten this situation, neither the online reps nor the store could resolve the issue nor print a receipt, so I left the store without any merchandise near closing after hours. 

Since I was not able to process the order, i waited a week or so until the problem was cleared from my credit card and I then went to a Home Depot closer to my home and made the same order. About an hour after the transaction, after i had left the store, I got a call saying the grill i purchased that they thought they had in store-they actually don't and the rep was going to cancel the grill off the order and then ask me to order it online. I did that, and i thought everything was good until i received the grill but kept getting notices for other grills ( same one ) in route to ship to me. 

After checking my credit account, I learned that i am being charged for a total of three grills. I also received a couple other duplicate items. This entire process has been one of the worst experiences i've ever had and I intend to payoff this card quickly and never apply again once my account is fixed. 

Note : recently the grill i did receive was faulty and had to be returned and i had to purchase another grill.
Consumer complaint received 2022-04-05
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. (TX)

Hi I am submitting this XXXX 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2023-01-31
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company (GA)

They tell me my most highest loan amounts were over XXXX when infact i only borrowed or refinanced a small amount, not XXXX.i would like to see the check that was issued to me. i had been with XXXX XXXX and added money to an existing loan, however the break downs are not on the contract that Statebridge XXXX XXXX sent me. Never did they tell me this was a 15 years to pay this off. Well in XXXX i started paying up until XXXX maybe of XXXX. I have been paying XXXX a month for 15 years and still owe the same amounts. I have paid over XXXX for this loan and still have a balance of over XXXX. They have not been trulful to me nor does the numbers add up. I am seeking help on this, infact i have ask them to settle with me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX i also lost my job and my husband during the last 2 years I am at the mercy of anyone who will just hear me out or show me how this all played out
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX : Account Number : XXXX : Balance : {$5300.00} Account Name : XXXX XXXX Account Number : XXXX : Balance : {$3700.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2400.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 XXXXXX/XX/year> 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Consumer complaint received 2021-07-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Payward Ventures Inc. dba Kraken (WV)

The financial company I have been dealing with is Payward Ventures Inc. DBA . Kraken. XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX CA XXXX My account access has been blocked since XXXX. I thought it was a login problem. I filed support requests and for months I received automated emails telling me they are working on it. I wrote letters to the company in XXXX but received no response. 
I month ago on their chat help line I was told that my account is locked. No explanation was given. The chat help service says there is nothing they can do. I believe they have closed my account and taken my money. I have tried to contact them through all public means and have received no response. 
I have copies of some of the chats and of their automated emails and the letters I sent. 
Please can you help me.
Consumer complaint received 2020-10-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NY)

I do not know what is going on with my servicer Mr. Cooper. I thought I was in Forbearance during the COVID 19 Crisis. 
In XXXX I received a curious letter from Mr. Cooper stating that my loan modification paperwork was being reviewed and that all the documents I submitted to them were Receive. Problem Is I never sent them anything. Also I never received an answer from Mr. Cooper if the Loan Modification was approved.

This aroused my curiosity and I did some research and found that Mr. Cooper was disciplined by you the CFPB in XXXX for sending inaccurate paperwork and reporting on their loans that they serviced. 
I also found out that in XX/XX/XXXX The Board of Governors of the Federal Reserve Issued statements for the Services and banks to work with customers on loan modifications including reinstating established loan modifications. 
I believe that Mr. Cooper is creating this paperwork to show the FED that they are working with customers when they actually are not. I ask that you investigate this matter ( see attached Complaint letter set to Mr. COOPER
Consumer complaint received 2020-07-27
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)

Unfortunately do to Covid 19 we were late on my our mortgage for XX/XX/XXXX. Once we were able to catch up on our mortgage in XX/XX/XXXX we did. We live in California and were put on an automatic shut down on XX/XX/XXXX. I was temporarily laid off as well as my wife. We both bounced back and were able to catch up on our mortgage the next month thanks to unemployment and the stimulus check. I was told the CARES ACT was supposed to protect us from mortgage lates being reported due to covid 19. Please remove the lates from all 3 mortgage bureaus. 

I did contact them twice one being as recent XX/XX/XXXX and they removed the late fees but they have not removed the lates.
Consumer complaint received 2018-09-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (KY)

I just cant get any lower payments with Navient. The amount is way to high and with the school XXXX being shut down due to fraud with financial aid I don't believe me or any other XXXX   should pay that amount back if not paying anything back. I cant use my credits that i earned from XXXX to go to another school if i wanted to. I would have to start over.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have contacted cfpb before on this matter with chime bank and they agreed to write it off and closed account but now I see that they have placed it back on my credit reports and not let them know that you can not report write off and in credit reports cause its considered income and according to regulations can not be reported. So why is it they resolved the issue by writing it off then go back to change it to still reporting is crazy and I want it completely removed from all credit reporting agencies
Consumer complaint received 2020-10-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sarma (TX)

I have a medical collection with Sarma for {$130.00}. I didn't recall getting a bill from the original medical facilities, XXXX XXXX of XXXX Texas, but I did go and some of my medical expenses were not fully cover by my insurance. So it seemed reasonable that this was truly my debt. I called Sarma and asked if I paid this debt if they would take it off my credit report. I've called three different times and have spoke to the same agent each time, XXXX XXXX. The first time I called after asking for the deletion of the account from my report she 'they do not delete accounts ' and promptly hung up. I thought this was very odd since I have paid other collection agencies and they were more than happy to take my money in exchange for deletion. The second time I called she was extremely rude. She said that I should pay the debt then call XXXX XXXX and tell them that I paid and ask them to call Sarma and tell them to delete the account from my credit report. She abruptly hung up on me again. The third time I called I asked to speak with her supervisor because she was obviously not willing to help me. I was told that no one was available other than her. I simply want to pay my bill and have it removed.
Consumer complaint received 2020-10-22
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: CORELOGIC INC (GA)

Following a credit denial letter from my mortgage holder, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX CA XXXX. Phone XXXX on XX/XX/2020. I contacted the main source of the derogatory report, Core Logic Credco of XXXX XXXX XXXX, XXXX XXXX CA XXXX on XX/XX/2020. 
Based on an FTC document, Core Logic Credco provides supplemental information to the major credit reporting companies and is required to provide consumers a copy of any report used in a credit decision by its customers. 
I identified myself to the Corelogic Credco agent as a requirement for receipt of the report and after this the agent demanded access to my Consumer Credit file. I refused and the agent in turn denied me the report.

I am uncertain about the legitimacy of this arrangement because credit inquiries will negatively impact a credit score so why is the source of consumer credit transactions trying to downgrade my credit? 
I demand a copy of the information they claim to have on me. I have given Corelogic Credco my PII including my social security number and now I am concerned. 
Thank you for any help in this matter.
Consumer complaint received 2020-05-22
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. (AR)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompt me to check my credit report. These items listed are not mine and need to be removed.XXXX XXXX {$130.00}
Consumer complaint received 2017-12-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (MD)

I bought an American Express Gift card to use generally and on more than one occassion XXXX has refused a return credit from a merchant. The first time this happened a merchant refunded me after I returned an item totaling over {$400.00}. XXXX did not notify that they were rejecting the refunded credit. When I tried to use the card later, it was frozen and I had to call customer service to find out what was going on. XXXX forced me to contact the merchant to request a new refund. 

Most recently, this happened again for a {$300.00} return. XXXX refused the return because the amounts didnt match. I bought an item in NY and returned it in MD, the merchant chose to refund a different sales tax amount. XXXX did not notify me that they refused the refund, and I only found out after my card was declined at the grocery store. 

I contacted XXXX, waited the long hold time for their off-shore customer service, and ended the call with no help as XXXX said I would have to contact the merchant in a couple days to request a new refund. 

XXXX has no intention of changing their policy to notify a cardmember that their expected refund has been refused. I currently have to hope that the merchant is willing to assist me in getting this resolved. 

I have also requested multiple times that XXXX send me a check for the balance of the prepaid gift card so I can avoid any more unfortunate experiences trying to use their card. They have flatly refused each time.
Consumer complaint received 2020-10-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (OH)

I applied for a mortgage loan with quicken loans ( rocket mortgage ) on XX/XX/2020. 

I was told that they closed in an average of 42 Days. This was acceptable as i had a construction loan that had to be paid in approximately 60 days. 

After having everything clearing initial underwriting there was delay after delay for an appraisal. Finally had the house appraised and i was informed that i had to install hand rails on the front steps before i could close. I had already ordered custom steel railings to be fabricated but they will not be finished until XXXX. I purchased and had temp railings installed at a cost of {$750.00} so i could get closed. After doing this, I called to have the final inspection done so i could close on my loan. An hour later i received a call from a quicken loan employee informing me that " because i volunteered with the organization that i am now paid to work for ( a faith based 501 ( c ) ( 3 ) ), my income didn't qualify and i would need a co signer. This was over 90 Days from the beginning of the process. 

I repeatedly asked for them to send me the regulation stating this policy that excluded my income or type of income. They have really just given me the run around. They have acknowledged that the mistake was on their end ( didn't call it a mistake, but rather an opportunity for improvement on their end ). They said it is their policy but cant share that proprietary information with anyone. 

I feel as though i am being discriminated against. I have incurred thousands of dollars in fee 's and penalties due to quicken loans incompetence. They should not be allowed to string someone along for more than three months and then ... oops sorry, your job doesn't work for us, " your type of income '' " this type of income is considered contract work ''. They already received my check stubs and verification from my employer. This had the green checkmark on my dashboard for months.

I have hundreds of emails and text messages from numerous quicken loan employees. Not sure the best way to share them.

I believe i deserve a real explanation from quicken loans! I believe that I am owed damages from quicken loans. I have had many loans including a dozen mortgages in my life ; i have never experienced anything like this. 

XXXX XXXX XXXX -I have great credit -I was borrowing {$240000.00} on a house that appraised for {$570000.00}
Consumer complaint received 2017-08-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I have a private student loan through Citizens Bank. The servicing of the student loan is through XXXX. The loan program has a auto debit incentive which reduces the interest rate. As this change in rate is not on the note or disclosure statement it is my understanding that they are required to show whether or not it is applied on my monthly statement or otherwise disclose if it is being applied to the current rate. XXXX contests this and has told me that they are not required to disclose this, that i need to manually calculate the rate monthly and check to see if this is applied. Am i correct that they are required to disclose this? If so can you point me to the particular regulation on point so i may pursue my grievance?