davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-19
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A. (MI)

My father XXXX on XX/XX/XXXX. I became responsible as a personal representative for his estate. Citimortgage was the mortgage company for my father from XX/XX/XXXX to XX/XX/XXXX. I requested documentation of his payments and sent in the necessary documents twice. I asked for a detailed account summary of his payment and fees within the 4 years that Citimortgage had his account. The mortgage company representative told me that they could give me records that span 7 years back from the time my father had an account with Citimortgage. I have only received 2 years worth of documentation XX/XX/XXXX-XX/XX/XXXX. I am requesting XX/XX/XXXX-XX/XX/XXXX. I have yet to receive the information.
Consumer complaint received 2020-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (TX)

After deciding to check my account balance I noticed some unauthorized purchases and immediately brought them to the company 's attention to file a dispute after waiting for the dispute results to be determined first thing I get was an email stating my dispute had been denied followed by another email telling me that my account had been suspended due to member violations 22d. I attempted to contact the company find out the reasoning behind this thing is how none of my actions could be the cause and resulting in this sort of dramatic action taken. I do not have access to the website I do not have access to the app upon calling customer service reps all I am told is I need to write a letter to a PO box and that is all the information I am given. Completely unsatisfied with that answer I returned a phone call back to customer service and requested to speak to a floor supervisor they representative told me they would inform me exactly the same information that I had already been informed and I immediately told them that did not matter I wish to speak to the supervisor on duty. Eventually the supervisor did accept my phone call and as told they would do told me the only information I was able to get from them was a PO box . Understandably I write as I was I told them this was completely unacceptable and my funds and access to them needed to be returned immediately and that writing a letter to a PO box was not any way for a financial company to handle a dispute from a customer of theirs for 5 years. The supervisor did tell me that they would flag my account and ask for it to be reviewed for the funds to be released and that I could call back in two business days to find out if it had been accepted or not when I did so define two days later nothing had changed and it began the entire run around process again. Now I did write a letter to said PO box and have mailed it off my issue is why do I not have access to any of my funds. I am unable to take bills I am unable to get food from my home I am unable to do anything at all. There is no human Representatives that you are able to talk to no live person only the option to write a letter to a PO box in hopes that your funds may or may not be returned to where they belong. 
this is not the first time this has been an issue with this company after researching online I have included other publications from other customers about the exact same answer the same company in the same 22d reference this has got to stop or American Express should remove their name from this company and it's affiliates.
Consumer complaint received 2024-03-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: United Shore Financial Services, LLC (CA)

I am on the forbearance program and I see on my credit report that there was a no payment reporting for a month or more. A woman named XXXX from the loss mitigation team said over the phone that I should have incurred penalties unless it's a disaster forbearance and FEMA approved. However, with the CARES act administered by the XXXX administration, all past due payments reporting shouldn't be reported to the credit bureau.
Consumer complaint received 2020-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL (ME)

I bought a piece of exercise equipment from XXXX over the phone. I choose to do the payment option route. This was all done and set up over the phone to take the loan from Synchrony bank. The original amount was {$1600.00} plus tax. I have been paying this through the automatic payment that was setup for me over the phone taking money out of my bank account for the past 20 or so months now. The payment per month was {$55.00}. I was not receiving any statement for these payments. To check the status I was able to gain access to my online account to check the balance. To my surprise the amount I owed was almost the initial principal of the load at {$1500.00}. I was hit with a over {$750.00} fee for missing the promotional period that was 18 month. I was under the impression this was set from 24 months an to be paid off before the time. After looking at the statements today which you can find attached the interest rate was set at 29.99 %. To me this seems like it was created in hope I miss the promotional period.
Consumer complaint received 2020-10-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit Management has sent me a " Final Notice '' stating I have to pay the full amount of {$610.00} by XX/XX/2020 by logging in to an account on their website at Midland Credit.com. I have never set up an account with them online. Also, after looking over reviews for this company, it is clear they have scammed many people in the past. In this notice, they state they can have a lien placed on my property, garnish my wages and accounts, and obtain information about my assets by the use of a notice request, deposition, or subpoena to appear in court. They claim they have an attorney review planned in my state of GA and I am responsible for court costs and post judgment interest charges. I know nothing of this company and do not trust anything they state because numerous complaints and scam alerts have been posted regarding their authenticity and policies.
Consumer complaint received 2023-03-26
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: 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. 

XXXX XXXX : # XXXX US DEPARTMENT OF EDU : # XXXX US DEPARTMENT OF EDU : # XXXX US DEPARTMENT OF EDU : # XXXX US DEPARTMENT OF EDU : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : # XXXX XXXX : # XXXX 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 an 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 to any consumer reporting agency if the person knows it has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-29
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. (NC)

Dear XXXX/TransUnion/ XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply
Consumer complaint received 2021-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (IL)

i opened a chase account and put XXXX down for a deposit. directly after i did that they locked my account and will not let me get my funds until i go down to the bank and show them 2 forms of id. the problem is i am XXXX and can not drive much less get to a bank. i have to do everything online. as a result of them holding my money inacurately i have also recieved NSF fees on my other bank account where i get my XXXX check. i have actually lost quite a bit of money because of their actions. thank you for listening XXXX XXXX XXXX
Consumer complaint received 2020-12-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (VA)

Citi-corp has sent a garnishment to my employer for some carpet that was purchased over ten years ago that was not in both my name and my ex husband name, XXXX XXXX XXXX never received any paperwork or anything from this creditor. This account is not on any of my credit reports. How can they garnish my wages when ive never received anything from them for court. Thank you in advance for helping me resolve this matter.
Consumer complaint received 2020-11-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AUTOMOTIVE CREDIT CORPORATION (AZ)

On XX/XX/XXXX, I got my van stolen. 
By then, I was 7 days late on my loan. 
I made a police report.I called Automotive credit Coorporation and let them know what had happened and I needed a forbearance since the van had my carpet cleaning equipment and was my source of making a living by using it to do my XXXX  and XXXX and XXXX XXXX  jobs. without it, I don't make money. im going through a hardship! 
Besides that, with this covid-19 pandemic, there's not a lot of jobs available I told them to wait until my insurance pays off the vehicle to them. 
With the money that I had, I had to pay my rent and bills. ACC resisted to help me, and sent me to collections. They won't work with me, plus they are reporting it to all credit bureaus, my credit score is going lower! 
On Friday the XXXX, I borrowed {$300.00} and gave them a payment. Im 64 days late and I still have a balance of XXXX with late payment fees. 
Im still not working. I even had to get rental assistance from XXXX XXXX XXXX XXXX. 
Thank you
Consumer complaint received 2020-08-30
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: ERC (WI)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. Also, I am aware that the credit bureaus have been given an additional 15 days due to COVID-19 and that time frame has also passed. I have not received any investigation results and it's well past 60 days.
Consumer complaint received 2021-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I am XXXX  that the creditors have included incorrect information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus should report only 100 % accurate credit information.
Consumer complaint received 2020-11-04
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: Experian Information Solutions Inc. (TX)

This car loan company is reporting increases of my balance. I have never missed a payment. They have been reporting interest increases which has caused my credit score to plummet. In my XXXX years i have never ever seen any company report the interest.
Consumer complaint received 2020-10-29
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. (FL)

I recently noticed a number of accounts on my credit I do not recognize. I have been a victim of Identity Theft for years. I need these items removed and blocked from reporting again. They are a result of Fraud. 

The items are XXXX  XXXX from XX/XX/XXXX for {$610.00} XXXX XXXX XXXX from XX/XX/XXXX for {$590.00} XXXX XXXX XXXX from XX/XX/XXXX for {$330.00} XXXX XXXX XXXX from XX/XX/XXXX for {$230.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX from XX/XX/XXXX for {$280.00} XXXX XXXX from XX/XX/XXXX for {$520.00} XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX for {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX for {$1400.00} XXXX  XXXX is also reporting as XXXX XXXX XXXX for {$610.00} so it is reporting twice as both an alleged original creditor and a collection agency. They are double reporting and hurting my score even more so because neither are mine. They are fraud.
Consumer complaint received 2017-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK (MI)

I have at least 5 Discover Cards that I did not know I had,,, For the past 6 years discover has been taking money from MY XXXX and XXXX cards and transferring money to these accounts and form my tow Discover cards>>  They have tried to take money out of my bank  also!!!!   Also  they open a XXXX XXXX  charge card in MY name!!!! And  maxed out the card as they did other cards that the open in MY name>>> wHY is this not illegal!!!!
This all started when I tried of collect on the Payment Protection plan that ALL card holder were required to pay for<<< NY FEDERAL COURT SEPT 2012!!! I am a XXXX Veteran!!!
Consumer complaint received 2020-10-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

Good Afternoon ; I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2021-05-20
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: Experian Information Solutions Inc. (NC)

There is an account showing on my credit profile from XXXX XXXX XXXX that violates my rights and has continuously caused me financial harm over the last 18 months. Attached with my complaint you will find a copy of the XX/XX/XXXX letter sent to XXXX XXXX XXXX requesting specific information regarding this account. 

I informed XXXX XXXX XXXX that under the laws of South Carolina and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. - EFFECT OF ERRORS OR OMISSIONS. 

9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 

9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL It has been past 30 days and XXXX XXXX XXXX has failed to provide the requested information. On XX/XX/XXXX I directly disputed this account with XXXX Experian, and XXXX. Attached is a copy of the letter sent to each of the credit bureaus asking them to reinvestigate this matter on my behalf and to send me a copy of all documentation received from XXXX XXXX XXXX  They have failed to provide me with the documentation. 

I am now asking the CFPB to intervene on my behalf and demand the credit bureaus deliver said documents or remove the erroneous information from my credit profile.
Consumer complaint received 2020-12-09
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. (NJ)

In XXXX I had a XXXX XXXX  XXXX XXXX account that went into charge off. I settled and paid XXXX XXXX  and received a 1099C tax form for the amount I had saved. To date XXXX XXXX  is still reporting this account as a charge off with the full balance. I have written to them and all 3 credit bureaus in XXXX, XXXX, XXXX and XXXX of XXXX and have received no resolution. The balance needs to be updated to XXXX and reported as a paid charge off.
Consumer complaint received 2020-10-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Good Afternoon ; I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2020-11-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (AZ)

I logged into my Ally Auto account on XXXX to see what the remaining balance was. My online account advised me that my loan was paid in full as of XXXX. I contact Ally at XXXX on XXXX to confirm the address the title could be sent to and was advised that there was still a balance owed of {$960.00}. I urged the agent to look again as I was being advised online the loan was paid in full. 

The agent requested I refresh my browser and my online was still advising me that my loan was paid in full. She again insisted that there was a balance owed.