davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-23
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$91.00} XXXX XXXX {$1600.00} USDEPT ED XXXX USDOE/XXXX {$5500.00}
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA)

My wife 's credit report reflects totally wrong information. Her XXXX credit report shows that the last two years of her mortgage have been submitted late. 
This is totally incorrect, and she has kept the Certified Mail receipt/overnight mail delivery to prove this assetion. 
This wrong information has now cost her to be denied a {>= $1,000,000} EIDL Loan from the SBA. 
This Financing/Mortgage company has even acted in disregard of a Judge 's signed Court order
Consumer complaint received 2023-02-25
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$700.00} ; XXXX XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$2200.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX : {$600.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$1700.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4900.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  Balance : {$590.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$890.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$140.00}.
Consumer complaint received 2022-11-07
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. (CA)

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 XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 6028 States I have the right to privacy 15 USC 1681 s281 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 the information is in accurate 15 USC 1681 section 604 a section to it also States a consumer reporting agency can not furnish account without my written instructions 15 USC 1681 ca5 section States no consumer reporting agency make any Consumer Report containing any of the following items of information, any adverse item of information other records of convictions of crimes which antedates the report by more than 7 years.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (NJ)

Promise to remove inquiries off of XXXX And failed to do so. They recommended that I wrote each company and challenge the inquiries. They refuse to close my account. Every time I try to submit a claim they locked me out of my account. And no representative answers the phone to assist.
Consumer complaint received 2020-06-23
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. (MD)

I recently disputed this account listed below. 
XXXX XXXX XXXX XXXX XXXX # XXXX As a result it was verified and updated on XX/XX/20. I'm requesting your verification method used to do so. Also I'm requesting any authorized documents on this account for it is unknown to me. SEE ATTACHMENT OF MY ORIGINAL CREDIT REPORT THAT SHOWS ACCOUNT IN QUESTION.
Consumer complaint received 2020-11-02
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: DISCOVER BANK (IL)

On XX/XX/2020 I applied online for a Discover Card. I was immediately approved for a $ XXXX limit and received a message that my card would be mailed shortly. I received the card and called the number on the back to activate the card. The customer service rep came on the line and stated that they would not activate the account until I went to a notary public and have them verify my identity. I asked what was going on since the account had already been approved and I had received the card. The rep stated that they could not identify a phone number on my records. I explained that I had recently changed my cellphone number and I gave her the number that I thought they were questioning and she verified that was the number BUT still insisted that they would need to send me a form to have a notary public verify my identity. I explained that I was not doing that because they should have never pulled my credit report, opened the account, and mailed me a card if they had problems with the phone number. After going around in circles with her for 30 minutes or more, even informing her of a prior account I had with them, she still refused to activate the account. If I can't use the card, then that is Discover, closing my account. I made it very clear to the rep that I did not want this to negatively effect my credit. Also, mind you, this took place when our state and most of the country was in lockdown due to the pandemic. Bank lobbies were closed. How was I to access a notary public BUT, why did they pull my credit and open the account and send me a card in the first place? The account was closed and then they sent a bogus email, stating that at my request, the account was closed. It was never opened, if they would not activate the card. I contacted them in XXXX and asked that they remove their credit pull from my credit report because it caused a 25 point drop in my score. The customer service reps said they referred my inquiry to the credit management dept and I would be contacted in 30 days with a decision. In 30 days, I was sent a blank form for me to explain my complaint. On XX/XX/XXXX a letter was mailed from Discover stating they would not remove the credit pull because they did open an account for me. Again, how is an account opened when you want activate the card so that it can be used? Discover is conducting themselves in a very poor manner regarding this situation. They refused to activate the card, thereby prohibiting my use of the credit line and now they refuse to remove the inquiry from my credit report. So I the consumer have no credit line with Discover and a 25 point ding to my credit score. I've worked very hard to maintain a very good ( not good ) credit score and for them to misuse my credit information the way that they have is unacceptable.
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BBVA FINANCIAL CORPORATION (FL)

I contacted BBVA ( USA ) on XXXX XXXX about fraudulent charges on my account. Charges were made in XXXX. I XXXX   them and found out the online shopping is located in XXXX. The other one was XXXX. I never heard of this. The total amount is {$220.00} with foreign transaction fees. 
It took them 5 days to investigate these charges and I got a letter saying these charges were authorized. We never done these charges.
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

TransUnion forces you to input card info during account creation. I assumed card info was for verification purposes, like the post office does for mail forwarding. There is no mention of a charge or service to be rendered, and if there is it has no prominence. They charged me XXXX . This is so deceptive and unbecoming of a company that operates under FACTA. They are scamming consumers and charging them. Theyve paid restitution in the past for these practices and continue to receive complaints.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NE)

There are addresses on my Equifax credit report that do not belong to me starting with XX/XX/XXXX, XX/XX/XXXX for XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX I have never lived at those addresses
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I disputed that Portfolio Recovery was first an inaccurate account. It was collection purchased from XXXX XXXX that was taken off my record then recently put back on questionabley? After realizing it would take to long for me to clear them via dispute I called and made a settlement agreement to close the case and payed the amount via debt card. They now say I owe them another payment that is significantly effecting any chance of building better credit when an agreement was set. They reported to all three and tarnished my record. This is a complete violation of privacy and trust. I have proof that the account was paid in full and money was taken from account. I feel extorted from the phone calls to the lies to the more payments and now i dont know if my credit will ever reflect my honest payments. I have gotten nowhere and need immediate relief! 

On XX/XX/2020 they updated my experian report 2 weeks before I they reported only to a third party app that I payed. They are tarnishing my record once again and insulting me by not taking accountability. This is the finally complaint and I will soon file in a court of law.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I received my credit report and noticed that a fraudulent account is appearing, Please investigate and delete this. It's not mine. 

I command you to delete the accounts listed below : Account Name : XXXX XXXX XXXX XXXX  XXXX. 
Account XXXX : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law, 15 U.S. Code 1681iProcedure in case of disputed accuracy, if you can not verify the accuracy of the information within 30 days, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Consumer complaint received 2019-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

I currently have my mortgage payments set up thru Autopay with my mortgage. In addition to my regular monthly payment I have elected to pay and additional amount each month towards principal. Every single month since I have set this up, the amount that is supposed to be applied to additional principal has been misapplied by my mortgage. I have to call every single month and have this corrected. I feel that this should not be happening and I also feel that they are hoping that I am not checking so they can continue to collect interest on my account instead of applying the payment towards my principal. I have asked every time I call, which is every month, why this keeps happening and no one has an answer as to why this keeps happening!!
Consumer complaint received 2021-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

XXXX paid minimum online to CITI/Costco card. 
XXXX Citi payment bounced for full ( XXXX ) balance. 
Requested payment reversed. 
Spoke to supervisor and told wait 2-3 days for it to reverse XXXX citi lowered limit from {$9000.00} to {$500.00} XXXX called!! approximately 12 hours so far calling, dming, and chatting online with reps ... no help. 
Talked to branch, head teller conference call to Citicards.. no help. 
Talked to Escalation level 2 person today.

Told wait 4 days for a call back.

I have spent 12 hours talking to supervisors and cant get account fixed. 
They are charging me fees and increasing my rate from 15 % to 29.99 % As well as ruining my credit. 

My payment should have been & XXXX not $ XXXX Every time I call they tell me they cant help. I have local branch involved, supervisors and managers. 

This should be a simple correction not something that ruins my credit. 

They raised my rates in XXXX for being mere hours late paying ( one time!! ) My rate was 26 % since and I was just notified by a manager. ( I did not see anything on the online statement. ) So now Im XXXX over my limit due to a glitch or something that happened online that was not intended. 

I never thought something like this could happen. I have an infant and a family and have worked hard to get the credit rating that I have. 
I had 100 % perfect payment history with bureaus and now they have wrecked it and wont correct. 

They should be shut down. 
I have been on consumer affairs reading complaints and I am not the only person who has experienced such treatment. Many limits are being dropped immediately after payment. That would be ok if the payment was intended but when it happens after an error ..Citi should correct it. 

They are ruining my credit and costing me money. For what I feel is their mistake. 
We have been paying 13 years without issue. Then all of a sudden this string of events. It seems purposeful and directed at consumers in a criminal way. 
They can blame an algorithm while they ruin people. 

Im not going to go away. 
I will absolutely fight this. 

Please help.
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (KS)

This is about chime bank they suspended my account on XX/XX/2020 which has all my funds my personal paycheck from my second job as well as my sba loan for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have contacted them multiple times sent in every document they have asked for and they give me the run around and won't release my funds they keep saying 24 hours 24 hours it will be taking care of nothing happens and this has affected my XXXX and my life during this pandemic I had to stop my XXXX because of this I can issue needed refunds or pay my bills
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

My accounts With my Bank of America Visa and my Bank of America MasterCard were both Hacked Money was withdrawn through my accounts deposited into my checking accounts and withdrawn these were done through cash advances that I did not make and then withdrawn from ATM machines one balance is {$13000.00} Dollars that includes interest and late fees and the Other is {$7000.00} I have notified the bank multiple times of this they Did investigation and declared that Ive benefited from this multiple Times information was put in wrong by the bank one time saying that this was Not my account that I opened another time saying that everything will be fixed and they will take care of this and they give a one time courtesy because Ive always made my my payments on time and were always current and that I never had any issues prior then I stay on the phone for hours being transferred around to different operators they were not documenting things properly I have disputed this probably about 10 times received one letter saying everything was fixed but then they come after me again. they have sent it to collections they close the accounts saying that I disputed And customer does not agree with decision I went from XXXX credit score to a XXXX I pay all my credit cards on time I do carry Balances but I make my payments on time. Then they discovered that they processed everything wrong that shouldve gone through my debit card accounts XXXX discovered this almost 2 years later thought everything was resolved and then I get a notice from an attorney that we were going to dispute in court. This is going on now for years he has been mentally affecting me And caused XXXX Im still battling it and get sick all the time I have gone to the bank its self in the customer service in the bank Its self and they have tried to help me with the credit card companies keep handling it wrong and still have not cleared the debt.
Consumer complaint received 2020-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Acceptance Corporation (TX)

World Finance In XXXX Texas Has Been Calling and Harassing My Ex Wife For The Past Six Months And Called And Harassed Her Again Yesterday And Ive Got One Payment left and thats XX/XX/2020 and It Will Be Paid In Full. Ive Called Them Numerous and Ask them to Stop And They Told Me They Could Do Whatever They Wanted to Do. So I want To File A Complaint On World Finance In XXXX Texas.
Consumer complaint received 2020-05-21
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ATLANTIC BAY MORTGAGE GROUP LLC (VA)

For the first five year of this mortgage, I had an automatic deposit in place with my bank. I paid on time every month during that time period. On XX/XX/XXXX, my bank sent the mortgage co. a check which they did not record as received although it appeared on my bank statement as paid. On XX/XX/XXXX, my bank sent the mortgage co. a check which they returned. I checked my records and sent them a letter and paid my mortgage again. 
Unbeknowst to me, they had cancelled my automatic payment, therefore, on XX/XX/XXXX, they did not receive a check. By the time, I received a late payment statement, and requested a copy of their records, it was the end of the month. I recocilled my records with theirs, found their errors and sent them a detailed letter of what needed to be done with corroborating documents. I also sent the a check for XXXX and XXXX payments. They received them on XX/XX/XXXX. They corrected their errors but sent a notice to the credit reporting company that I paid late and it damaged my credit score which had been XXXX. I maintain that their errors cause confusion with my account and although I had tried to rectify their errors and make prompt payments, they refuse to correct my credit report. I find their actions to be unfair as it was their mistakes, not mine, that caused the problems.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MD)

I have tried to reach out to the credit bureaus as well as the department of education in reference to my loans. A lot of the loans are past the statue of limitations so they should be removed from the credit report.
Consumer complaint received 2020-05-21
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)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Please investigate and remove the following accounts and inquiries from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you.