davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
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. (IL)

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, IL XX/XX/2021 XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/202XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2023-04-05
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. (LA)

In accordance with the Fair Credit Reporting act. XXXX, has. violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX has. violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX, has. violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX, has. violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX has. violated my rights. 

In accordance with the Fair Credit Reporting act. XXXXXXXX XXXX, has. violated my rights. 

In accordance with the Fair Credit Reporting act. XXXXXXXX XXXX has. violated my rights.
Consumer complaint received 2019-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA (FL)

I have been traveling with my job since XX/XX/XXXX. Last week, I received noticed from my credit card monitoring program that my card has been closed. I never recieved any notifications before this point. I have been a card member since XX/XX/2013, with this company and I never paid late or went over my credit limit. Back in XX/XX/XXXX I lost my job and was searching for work for several months. I loss my job do to technology replacing people. During this time I to use my credit cards to make it through this transition. Never paid any thing late. Now my balances are pretty high on some cards which I will be paying them all off here in the next month. I have sold my house. My problem is I am going to get a new mortgage. Now I have to explain this to my lender for my new mortgage plus this also lowered my credit score. Just a single mother trying to make it in this unfair world we live in. Funny how the middle class keeps getting penalize for something that isnt their fault. These huge financial institutions shouldnt be able to do this to us. I mean I had no advance notice this is was going to happen. Plus, I just received my new card from XXXX XXXX XXXX through the mail. Never received the letter they are telling me about.
Consumer complaint received 2016-05-24
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (LA)

I have been an extremely loyal customer to Citi for nearly a decade. In that time, I have NEVER paid late on my account. Upon checking my credit report I was astonished to find out that there was a late report on my account in XXXX of 2014. 
The late report was due to Citi not applying a payment. Citi stated that the account that I used to make my monthly payment was frozen ( I used my routing number and account to pay ). This was inaccurate because the payment went through using the same account as a debit card transaction. This account has never been frozen and it has always been and still is in good standing ( I have a letter from the company stating this ). 
This has caused my credit score to drop as well as my credit limit to be reduced. Citi will not remove the late payment. They are just reiterating facts and not taking responsibility for their system misidentifying my payment account as a frozen account. This is the reason why my payment was received after 30 days even though I attempted paying my account twice. I even made XXXX payments that finally went through correctly to bring my account current as I am a responsible customer that does the right thing. Citi does not want to rectify their mistake when dealing with a long term, loyal customer with spotless payment history.
Consumer complaint received 2022-07-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

This dispute is with PayPal. They are holding over {$40000.00} from me for the 180 day holding period with no reasoning. They also are allowing customers to file a claim and are not allowing me to provide proof of delivery of items purchased. They are simply awarding the money to the customer without any rebuttal from my business. 

PayPal is unfairly holding money from me and I am asking for its release.
Consumer complaint received 2021-05-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (FL)

XX/XX/XXXX I contacted XXXX XXXX XXXX Mortgage Professional at Mr. Cooper mortgage company about a refinance of current mortgage. After figuring my current income and debt and checking my credit he said I was eligible for a refinance loan. He even told me that he would be able to up gross up my social security income if needed. He told me how much my new loan would be and the interest rate for it. He encouraged me to have an appraisal of my property so that I may be able to eliminate or lower my mortgage insurance payment. That same day I e signed documents, sent income statements and agreed to a credit report. 
XX/XX/XXXX he updated my disclosure information and said they were " ready to move forward ''. He said that I would be contacted by the appraisal company to pay {$460.00} and set up an appointment. 
At no time did he lead me to believe that I would not be approved and that I wouldn't need the appraisal. 
He never told me he had XXXX ( XXXX XXXX XXXX ) findings to approve the loan. 
XX/XX/XXXX I received the form to apply for and pay for the appraisal. 
XX/XX/XXXX XXXX XXXX, loan officer contacted me that she would be completing filling out the forms for the application. 
XX/XX/XXXX & XXXX, XXXX I completed all requests to explain credit reports issues such as why I had inquiries due to my looking for a car loan. All other issues were answered. She had the appraisal information. She never led me to believe that I didn't have enough income or debts that would eliminate me from being able to get the new loan. She said that my loan had been " conditionally approved '' XX/XX/XXXX I received a discloser document that I had been turned down for the refinance loan due to insufficient income to debt and requests to the credit bureau It also said I had " excessive obligations ''. I was devastated by this decision. I only have the mortgage, HOA, small car loan and two credit cards. 
I have contacted XXXX XXXX and XXXX XXXX by email and have gotten no response. I am a XXXX year old widow of a XXXX veteran and feel that they took advantage of me by not telling me from the beginning that I would not qualify for the loan and got {$460.00} from me for an appraisal that I did not need.
Consumer complaint received 2016-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX XXXX ran my credit and eveything that i disputed was back on my reports XXXX XXXX XXXX ran it for XXXX XXXX I was suppose to receive all XXXX reports I only receive XXXX I then called TransUnion and XXXX they wanted proof I sent proof again they wanted proof this has been going on the last three years. It makes my pre-approvals XXXX. i get a pre-approval then credit reports put dispute back on report after removing it. Help me please
Consumer complaint received 2015-06-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I requested my free annual credit report from transunion after requesting and receiving my credit reports from the other two only to be told that I had already requested and been given my transunion report. They told me I could buy one though .... I HAVE NOT already received this report. I always get them in XXXX 's, there is no reason I ever would have gotten just one, let alone the transunion report.
Consumer complaint received 2024-05-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (AR)

I opened a CD on line XX/XX/XXXX with XXXX, an affiliate with Webster bank. 
In XX/XX/XXXX this year I called to have the monies withdrawn upon maturity the next day. I was told to call back XXXX which I did and asked to have monies sent to me. XX/XX/XXXX I called again and asked where they were. I was told I had not accepted a request sent to my inbox with XXXX. I did accept but I had not been told this was needed in my original discussions with Brio rep on either XX/XX/XXXX or XXXX. I have called XX/XX/XXXX, XXXX and XXXX. On XX/XX/XXXX I was on hold for 35 minutes, spoke with XXXX in their operations and was told XXXX XXXX ( supervisor ) would call me back- which never happened. I have been told its in process, it will take 24-48 hours to get to you, we are backed up. Their website is not functioning to allow for an external transfer electronically despite having this as an option. This feels like a scam. And they are withholding my money which I want now. I have threatened legal action but get the same run around.
Consumer complaint received 2016-07-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NY)

I disputed an account reported 30 day late on my credit report they have not updated it, both XXXX and XXXX have already done so. COMENITY BANK/VCTRSS reporting 30 day late for the XX/XX/XXXX i have attached the letter from XXXX which i have uploaded to all XXXX credit bureaus including equifax.
Consumer complaint received 2024-05-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (WA)

I initiated external transfers from Citizens Savings account. The transfer was mean to pull money from XXXX XXXX XXXX XXXX and deposit it in the Citizens savings account. 

Transfer XXXX : XX/XX/XXXX : {$5000.00} Transfer XXXX : XX/XX/XXXX : {$5000.00} On XX/XX/XXXX XXXX, I get emails from Citizens that the transfers have failed and the money will be deposited back to the sending account withing 3 days. 

Both the transactions were debited from XXXX XXXX XXXX XXXX account. 

I called multiple times over the week of XX/XX/XXXX but each time the Citizens banker tell me that they have sent the money back and should be able to see it soon. 

I checked with the other credit union and they have not received anything. 

Citizens has kept my {$10000.00} pending for more than a week and there's indication on when they plan on releasing it.
Consumer complaint received 2022-07-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MO)

In XXXX of XXXX I received a letter from Mr. Cooper Mortgage Company offering assistance for those effected by COVID 19. I was having a hardship but had not defaulted on the loan yet. I thought it prudent to be proactive and applied for forbearance and was approved. I was in forbearance from XX/XX/XXXX to XX/XX/XXXX. 

Mr. Cooper contacted me to advise my forbearance plan would conclude at the end of XX/XX/XXXX. The letter also offered next step solutions for my mortgage, including modification. I began the modification process in XXXX of XXXX. The company advised that I would not have to submit payments while I was applying for the modification. 

On XX/XX/XXXX, I received a letter from Mr. Cooper stating that I was approved for an FHA HAMP Modification and Partial Claim Combo. The modified payment would increase my mortgage payment by {$480.00}. It was my understanding that an approved modification results in lower payments and/or interest rate. The interest rate increased from 2.75 % to 6 %. 

The letter also states that I am declined the forbearance plan. This confuses me since I was already approved for and went through the forbearance plan. 

Upon reading Mr. Coopers modification terms, I called their modifications department. I told the representative I could not afford to pay the amount and would rather stay under my previous mortgage terms. He advised that to go back to my previous mortgage, I must pay a substantial lump sum equaling approximately six months worth of mortgage payments. He said my only options were to agree to the modification terms that would increase my mortgage by almost {$500.00} or pay a lump sum of over {$7000.00} to stay under my previous mortgage. I am financially unable to do either. 

I was duped into believing I was receiving assistance due to hardships brought on by COVID 19. Instead, I was misled into possible foreclosure.
Consumer complaint received 2023-04-05
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. (CA)

I have tried to resolve the problem with no results. XXXX XXXX XXXX is a collection agency which is not licensed in the state of California and is illegally trying to collect a debt. I have a complaint on file and it was not satisfactory XXXX. The response from XXXX XXXX was unacceptable. CFPB closed the file accepting the response from XXXX saying licensing is delayed. That is totally illegal. Collection agencies must be licensed properly before harassing and sending threatening letters. That's like a consumer or a driver not having a license, if detained that driver is fined. I am requesting all of the data collecting companies Trans Union, XXXX and XXXX along with the other data collectors XXXX, XXXX and the others remove this data from my consumer credit reports immediately. Above all permissible purpose was not given by this third party to report my information.
Consumer complaint received 2021-11-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

I received notification from Venmo on Friday night via text message with an access code. I did not sign up for Venmo. I went to the website and saw that I could log in with my phone number ( XXXX XXXX XXXX ), even though I never signed up. The email address on the Venmo account I did not recognize. When I contacted Venmo they made me submit documentation to prove the number was mine I submitted screenshot from the XXXX app and my XXXX setting to clearly evidence the number was mine. They responded today stating they could not remove the number and someone would contact me in a few days My number is being used by someone other than me for money services and Venmo has done nothing to address it despite multiple attempts. They also do not have weekend hours to address identify fraud
Consumer complaint received 2020-09-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

In XXXX, I was approved by XXXX XXXX  for a credit card with a credit limit of XXXX dollars.On XXXX XXXX, the Coronavirus pandemic hits Michigan where I live.On XXXX XXXX XXXX closed my account first and sent me a letter citing " Inactivity '' .When I received the letter from XXXX, I called them immediately.When I called XXXX   customer service to reconsider, They stated to me that the account was closed due to inactivity and I can reapply for a new account but can not reopen the closed account..After my conversation with XXXX card, I immediately filed a complaint with CFPB-XXXX-XXXX  citing closing my account due to Coronavirus Pandemic.I have read many articles and news reports stating '' Millions of credit card users are seeing their credit cards closed or limits lowered during pandemic '' .I did have a XXXX dollar credit limit and paid my monthly payments on time.I had great credit with XXXX.On XX/XX/XXXX, I paid my account off in the amount of XXXXOn XX/XX/XXXX, I made another interest charge payment in the amount of XXXX paying the account off with no balance.XXXX  was the last activity i had on this XXXX card account until XXXX XXXX closed account.XXXX  responded to the CFPB complaint, XXXX  stated in their response that they made there decision based on what was in my XXXX  report.After reading there response and the letter i received from XXXX, XXXX is clearly lying why the closed my account.They closed my account because of the Coronavirus Pandemic and the current financial hardships people are having.I have been working this whole time because my job is currently deemed essential.I have looked up laws under the Credit Card Act of XXXX, Equal Credit Opportunity act, FCRA, Etc and there is no law for closing accounts.In the XXXX Credit Card Agreement, it does state that they can close anyones account at anytime for any reason.There is no XXXX Credit card agreement that states anything on a Pandemic or Financial crisis due to a Pandemic.Because they have closed my account, my FICO score has decreased and caused stress.I have been trying for years to have a good credit and score and closing my account due to current pandemic doesnt help me one bit.Therefore, XXXX  lied and closed my account/card because of the pandemic and financial crisis and used Inactivity as a excuse to close my account.Therefore, XXXX cards CFPB response and letter dont add up.Therefore, My FICO score has dropped causing stress and lower credit scores that will affect my credit worthiness.
Consumer complaint received 2023-03-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

My son XXXX XXXX XXXX since then I have tried diligently to get this resolved get help without any help from the lender. I submitted his death certificate. I asked for help and all they would do is say since I co signed it I would be the one one to pay the full amount. They constantly offered no help no negotiations no options for me. I co signed his private student loans. They say I owe it all. I have paid diligently since then I work two jobs to keep up but no one will negotiate with me to apply for discharge of the loans or even negotiate with me about this. I am bearly making it and no one will help me. I have my own student loans n am overwhelmed with my son 's debt n mine. Everywhere I turn they all say there is nothing they will do about getting his loans discharged forgiven or even negotiated. Every time I call for help. They say there is no help. There is laws per my senator they have to follow. I have paid diligently on my son 's and my loans. Yet they still won't work w me. It's bad enough to be without my son since XXXX. But each month I send a large check to them for my son 's loans wishing he were alive to use his college education. I'd pay all the money in the world to have him back. They are a very large corporation with millions of dollars. Where is their heart in this? I'm not a slacker. I've kept up my side of this paying monthly. I hope for someone at navient to never go through what I have losing a child. But even worse having to write a check out each month for the past 13 years on your XXXX XXXX XXXX student loan. N bearly getting by to do it. Per records I have .It says with what I pay now I won't have it paid off till XXXX. That is awful. I have reached out to my senator governor and news media about this. I pray we can resolve this. My son would not want me to XXXX this way.
Consumer complaint received 2024-04-05
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: WELLS FARGO & COMPANY (WA)

On a date in XXXX ( unknown because my online access was closed ) a XXXX XXXX XXXX XXXX was taken out on my account with out my permission or knowledge. Wells Fargo is threatening to " end the relationship '' by closing my account and sticking me with the amount. I have been unable to successfully avert the impending tragedy that is scheduled for XX/XX/2024 - the " Ending of the Relationship. '' I was told that there is a LESS THAN 1 % chance of having that decision overturned. 
Wells Fargo is slow to help and has multiple divisions to address multiple types of fraud - this is extremely confusing and frustrating to me as a consumer.
Consumer complaint received 2021-05-20
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. (MD)

I have reviewed a copy of my credit report and I show company XXXX XXXX AUDIT ( Original Creditor : XXXX XXXX ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2016-08-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lien Enforcement Inc (CA)

I had a car that I had previously sold that was towed by XXXX XXXX XXXX. I spoke with the company and they informed me that since I had filed out the " Release of Liability '' that the car was no longer mine and that I would not be charged and to ignore the bill that was sent in the mail. I have now received a letter from " Lien Enforcement , Inc that I now owe them money? I have the letter from the DMV showing the release of liability was filled out and processed before the car was towed. I am going to attach this paperwork if the app allows me.