davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My personal information was stolen in 2017, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXX of XXXX : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry XXXX XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry XXXX XXXX Inquiry : XXXXXXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX XXXX XXXX XXXX  XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXXXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX  XXXX XXXX XXXXDate of Inquiry : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX
Consumer complaint received 2022-08-21
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I put my money into over five banks for me still say Im negative but I dont know why I dont have any money the reason for it is because all of the time Im putting money in the bank and Im not getting the money back and I was on unemployment now Im on nothing
Consumer complaint received 2022-05-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (NJ)

PayPal account is charging me {$250.00} for an amount I did not authorize. I was hacked and charged on my card and I reported all of it, then I closed my account because they kept charging. This is another amount I did not authorize. # XXXX reference # XXXX please help with this.
Consumer complaint received 2022-08-14
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: Experian Information Solutions Inc. (FL)

In accordance to the Fair Credit Reporting XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX has violated my rights. 

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 : also states that a consumer reporting agency can not furnish an account without written instruction
Consumer complaint received 2024-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (NY)

I am writing to file a formal complaint regarding my unresolved issue with Citi Bank, which has negatively impacted my credit and financial stability. 

In XXXX, I fully paid off my Best Buy Citi credit card balance and requested a pay and delete letter to confirm the account was settled and removed from my credit report. Despite my request, Citi Bank never provided the requested letter. Shortly after making the payment, I received a collection letter from a third-party company, claiming I still owed a debt to Citi Bank XXXX Confused and concerned, I called Citi Bank immediately to address the situation and confirm my payment. They acknowledged my payment but again failed to provide written confirmation or documentation resolving the issue. 

The account remained on my credit report until XXXX, causing ongoing damage to my credit profile. When I reached out to Citi Bank again earlier this year, they only sent an email confirming the account closure but still did not provide the requested formal documentation. 

The lack of proper communication, follow-up, and accurate reporting on Citi Banks part has caused significant inconvenience and frustration. I request CFPBs assistance in ensuring Citi Bank provides the necessary documentation and investigates the mishandling of this situation, including their failure to follow through with the agreed pay and delete process and the erroneous collection notice I received. 

Thank you for your attention to this matter.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I noticed unauthorized inquires on my credit report from Equifax and wrote several letters to dispute the unauthorized inquires being reported by this company XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XXXX  XX/XX/2021 Each the above inquires were not authorized by me and I do not recognize them. This is causing a negative impact on me
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

This account was disputed for inaccuracies but was never deleted. Please remove this account immediately. 

Account name XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/2019 Status Paid, Closed. 
Status updated XX/XX/2019 Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$300.00} Highest balance {$370.00} Terms NA
Consumer complaint received 2022-11-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc. (CA)

I used the XXXX 's internet serviced by XXXX since XX/XX/XXXX and charged at less than {$20.00} per month by yearly contract and paid all the bill on time except the last statement in XX/XX/XXXX when I need stop the internet service due to relocation. I called XXXX to stop my service and they agreed to bill me the balance to my new address. After two months, I got the statements over {$40.00} plus the late fee of {$60.00}, so the total balance on the last statement is {$100.00}. I complained to XXXX asking them how my last statement increased from {$20.00} to {$100.00}. The representatives said I didn't paid the last two months. I explained to them my online account is inaccessible due to the closure and I didn't receive the bill until two months later. I disputed firstly the late payment fee of {$60.00}, which is not my faulty, secondly is the final statement of over {$40.00}. while I didn't get the reasonable explanation or reconcilable solution for my statement. XXXX ( XXXX ) just sold this disputing statement to the third party debt collector twice. The first debt collector report my collection to XXXX and XXXX and I called debt collector, XXXX and XXXX and my disputes result was this debt collection record was removed from my credit report. However, this debt was sold to Eastern Account system and they report to XXXX and XXXX again. XXXX  clear this report but XXXX didn't clear this report and indicate this record is correct. I can't agree for this dispute results and they just suggested me to file the complaint on CFPB 's website. 
I want to complain XXXX 's billing system is very tricky and always overcharged the customers. During my 3-year contract with XXXX, I've complained they're overcharging for numerous times. XXXX, by virtue of its monopoly status as the only internet service provider in the neighborhood, always billed the wrong statements based on their unfairness clause in the contract, as the consumer, we have no other choice but paying the buckets since it really wastes time and effort to argue with them. Please do investigate XXXX 's billing system. I'm not the only one overcharged or misstatement on the bills.
Consumer complaint received 2024-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP (TX)

Even though it shows on my XXXX and XXXX reports, I noticed that my Elan Financial Service tradeline account is no longer being reported to XXXX. The account was in good standing for quite some time, and I believe it should be reinstated. The removal of this tradeline has had a negative impact on my credit score and no longer accurately reflects my credit history.
Consumer complaint received 2022-11-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC. (KY)

Obtain loan in XXXX of 2020. Loan amount {$3700.00}. Monthly payments of {$200.00} since XXXX of 2020. Like to pay off loan at lesser amount. Loan is now in excess balance of {$4000.00} at 65 % interest. NetCredit will not discuss early payoff until I pay more into the loan.
Consumer complaint received 2022-05-31
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. (FL)

In accordance with the Fair credit Reporting Act XXXX account XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX has violated my rights. 

15 u.s.c 1681 section 602 A. states I have the right to privacy.

15 u.s.c 1681 section 604 A. A Consumer support agency can not furnish account without my written instructions.
Consumer complaint received 2022-09-15
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Finance of America Holdings LLC (IN)

This is regarding the Reverse Mortgage that we have tried and tried to resolve. We were never notified that they were paying any property charges but they paid them ahead of time. Now, they have filed a foreclosure action in the county court and we have asked and asked how much we need to pay to cure the default and nobody can tell us! Every time we call, XXXX  tells us that it is under review. They first tried to tell us that we owed {$3800.00} but I looked at the itemized statement that we have tried to get since they first told us we were in default and that was in 2018 and I argued it then. However, nobody would send me the itemized list. Now that I finally got the itemized list, I was right. The items are things like a line of credit and loan set up fee. One item is property tax that we were not notified they were paying. Then the next loan servicer just picked up where they left off and started paying property taxes early with no notices or anything. I asked for an itemized list of those with receipts. They told me to go get the receipts myself and of course their itemized list is not correct. I call them and they say it is under review. The debt collector is aware of the problem as we filed a motion to dismiss in court. They have charged attorney fees and inspection fees to our balance and nobody responds to our requests to information so we can cure the default. They have not followed the HUD guidelines in any way and we are not getting any assistance at all. How can we pay off something that they don't even know how much it is. It should have never been called due and payable. They have put us through XXXX for nothing. Nobody would listen when I tried to tell them the previous servicer was incorrect when they said we did not pay our hazard insurance. The new servicer refunded our hazard insurance a year later but still called our loan due and payable. Wouldn't they see then that it was not due and payable? Why would they not then tell us the balance we owed so we could cure the default but instead kept doing drive by inspections and charging us. I even wrote the debt collectors a letter and told them that XXXX XXXX lost her job because of covid and they did not even respond or tell us we had a moratorium or anything. They just did not answer at all. We never heard from anyone. There was no attempt for a face to face meeting or anything. They just keep trying to have a foreclosure court date and make us pay the whole amount in court without giving us the ability to cure the default because they can ; t tell us what the default amount is. I have called many many times and sent numerous e mails.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have recently disputed my late payments as well as sent out letters asking for goodwill help on removing these lates as they are dramatically hurting me financially and emotionally. 

In accordance with the FCRA ( Fair Credit Reporting Act ) XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the FCRA ( Fair Credit Reporting Act ) XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : States a consumer reporting agency can't furnish a account without my written instructions.

15 USC 1666B : A creditor may to treat a payment on a credit card account under an open ed consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-22
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. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$7900.00}
Consumer complaint received 2022-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

So the first payment I sent from my XXXX checking account was not posted until after I called and complained. It took over 5 days from when the payment was taken on the day I requested it. This was a {$50.00} electronic payment made in XX/XX/2022. So I made a second payment in person at the fifth third bank with a check from my chase bank checking account. This was a {$250.00} payment made on XX/XX/2022. This was posted from my XXXX checking account the same day I paid Fifth third bank on the same day I made the payment at the fifth third bank location ( XXXX XXXX  on Friday Morning ). I have called both times and was told the first time not to do an electronic payment as it can take 5 or more days to post. I called again when the XXXX payment still had not posted by XXXX pm on Monday the XXXX of XXXX and was told it can take 3-5 business days to post to my account.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have recently disputed my late payments as well as sent out letters asking for goodwill help on removing these lates as they are dramatically hurting me financially and emotionally. 

In accordance with the FCRA ( Fair Credit Reporting Act ) XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the FCRA ( Fair Credit Reporting Act ) XXXX XXXXXXXX XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : States a consumer reporting agency can't furnish a account without my written instructions.

15 USC 1666B : A creditor may to treat a payment on a credit card account under an open ed consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

The Credit bureaus stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 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 Also the Credit bureaus took more than 30 days to complete my investigation, here is my certified mail tracking : XXXX - XXXX Equifax - XXXX XXXX - XXXX
Consumer complaint received 2022-05-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

Hello, I am having problems with Citizens Bank. 
My original home loan amount was {$310000.00}. 
Due to the pandemic, I had to get a forbearance. At this point my loan balance was {$310000.00}. 
I have since deferred my loan and am now selling my house. According to my calculations, I have paid {$17000.00} in total towards the principle of my loan, and should owe less than XXXX. 

I called the bank to get a payoff amount and they said it was {$310000.00}. This is only {$1000.00} less than the original loan amount. 

The bank told me my payoff amount is about XXXX due to them adding {$14000.00} to my loan for the time I was in forbearance. 

I have called the bank several times only to get the run around from one department to another, as well as having my call disconnected several times, without anyone being able to justify why I am being charged so much. 

Please help me remedy this situation. 
Thank you XXXX XXXX
Consumer complaint received 2022-08-21
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: TRUIST FINANCIAL CORPORATION (SC)

In accordance with the fair credit reporting Act XXXX  account # XXXX has violated my right USC 1681 section 602 states I have right to privacy USC 1681 Section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpt
Consumer complaint received 2022-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX XXXX Number : XXXX XXXX : {$690.00} 2. XXXX XXXX Account Number : XXXX Bal : {$4500.00} 3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX Bal : {$480.00} 4. XXXX XXXX Account XXXX : XXXX Bal : {$1100.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Consumer complaint received 2022-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I recently applied for a home equity loan and the credit check showed that i owed XXXX to a company called portfolio recovery. I called the company and they told me the charges came from a XXXX XXXX XXXX. I told them i never applied for or owed such a card. I informed them that the account was associated with an address that i rented back in XXXX for XXXX  months. The purchases were made from a XXXX XXXX XXXX  store back in XXXX my only child was XXXX XXXX XXXX at that point i had no reason to buy toys and games from XXXX XXXX XXXX. I did received calls possibly from them regarding this issue but none of what they said seemed valid or sense to me. I thought the calls were a scam or spam. I told them to send information regarding this .i filled it out and mailed it back to them. I heard nothing from or about XXXX XXXX until i applied for the loan in XX/XX/XXXX. I also contacted XXXX credit and XXXX back that sold the account to Portfolio recovery. I informed XXXX back that i never had any credit cards associated with them and they confirmed that. There representative told me they would take care of this matter but apparently never did.
Consumer complaint received 2022-05-06
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. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The account listed below is still reporting on myCredit Reports and needs to be deleted immediately : XXXX XXXX XXXX XXXX