davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-14
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: CITIBANK, N.A. (TX)

On XX/XX/22, I submitted a dispute to my credit card company regarding a charge from XXXX XXXX lines that was applied however the charge was paid in cash. The credit card company responded back on XXXX that the dispute was closed without properly resolving the issue and providing zero evidence from XXXX XXXX  of the transaction. These charges were paid for in cash while on the cruise ship. The cruise ship app which lists all transaction history is no longer accessible while not on the ship. It has now been 30 days since this was originally disputed and the charge is still showing and again with zero evidence of the monies being owed from XXXX or Citibank. At this point the charge needs to be removed before I pursue legal action to remedy the situation. Failure to remove the fraudulent charge will result in a lawsuit. I will be contacting the Texas Attorney General to pursue legal action if this matter is not resolved and the charge is not removed permanently within 48 hours. I will be pursuing legal action against both Citibank and XXXX XXXX XXXX. Please see attached check that was refunded to me for overpayment.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I have a HELOC with PenFed ( www.penfed.org ). The balance of that HELOC is XXXX ( i.e., XXXX XXXX ) and it has been at that balance for several weeks. My prior history is perfect, with no late payments, and I had a personal credit score of 800+. 

Recently, I received an update on my credit report showing that my Penfed HELOC was 'delinquent. ' This affected my credit score severely, dropping it by over 60 points. 

I contacted the company about this error, notifying them of the 0.01 balance and lack of any delinquency. While they admitted the content of the error, they have thus far refused to reverse the delinquency filing. Furthermore, they have refused to address this issue in a reasonable amount of time and without unreasonable requests from my side.

Pursuant to the FCRA, providing inaccurate financial information to credit reporting agencies is illegal. Therefore, Penfed is now knowingly in violation of the FCRA and is not taking steps to correct that violation.

I have attempted multiple times to have Penfed reverse the erroneous delinquency filing and they have refused to do so on each occasion.
Consumer complaint received 2022-11-17
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 am submitting another CFPB complaint to reques to you to once again request to remove the fraudulent accounts and information from my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Under the Fair Credit Reporting Act section 605b, I am ordering you to please remove the following accounts and information completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX - XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX Balance {$460.00} XXXX XXXX XXXXXXXX Balance {$7.00} XXXX XXXXXXXX XXXX : {$0.00} XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00}. You have been failing to send me copies of proof of verification or proof of ownership to support your claims that the disputed items belong to me. In the absence of such documents, you should have removed the fraudulent items from my Credit File.
Consumer complaint received 2022-11-17
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXXXXXX 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 2022-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (WA)

Re : last claim XXXX. 
BSI claims they credited my account for the late fees and late payment fee but they only credited the late fees. Their letter in response to this claim included information about my account but no solution. They have not credited the late payment.
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

I asked a customer rep look into forgiving a late fee after paying off balance. After back and forth customer rep closed account without consent. I wrote a letter to Synchrony bank. They responded by forgiving the fee. The account is closed and the bank headquarters sent me a letter stating that the {$15.00} late fee is forgiven yet I am still being billed on the fee. I have put in a dispute with XXXX. This has not resolved the issue. This is affecting my credit.
Consumer complaint received 2022-10-14
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (GA)

Approximately XX/XX/2022, I contacted RocketMortgage regarding different options about a loan. I have had a loan for two years on my primary home at XXXX XXXX XXXX XXXX XXXX, GA XXXX. There is no issue with this loan. 

The contact was because I have a business opportunity that may require some cash. While my initial inquiry was through an online chat, I soon got a call from a representative. I believe his name is XXXX XXXX. I stated that the call was informational only and I wanted to learn about possible amounts for three different options -- a straight refinance ; a second mortgage ; and a HELOC. 

XXXX XXXX put me on hold and came back a few minutes later. He provided an estimate on how much cash I could pull out of my property if I refinanced and he provided an estimate on a second mortgage. He also said that Rocket Mortgage did not offer a HELOC. I had the information I needed and ended the conversation. Before the conversation ended, XXXX XXXX asked if he could call back every couple of weeks until I made a decision. And I agreed that would be fine. 

On Monday, XX/XX/XXXX, I received an electronic communication from Rocket Mortgage saying my payoff letter for my existing mortgage was ready. That's disturbing because I never requested one. I went to my online account with Rocket Mortgage and found a new loan in my documents -- number XXXX -- and it was categorized as " refinance '' under the label " Loans We're Working to Close. '' While online, I went to the chat function and eventually, though painfully, worked through the automated system and reached a human being. I explained to that agent the issue and he apologized, then gave me someone else to contact. I said this was their problem and they need to fix it. He said he would escalate my complaint to the executive team. 

Today, XX/XX/2022, I received a call. I didn't write down the name of the person but his direct phone line is XXXX XXXX XXXX ( I believe but am not confident that the last name XXXX XXXX XXXX XXXX ). He was calm but defended the existing of a loan document that was never requested as " that's just how we do it when we get an inquiry. '' In the original call, I gave permission for the person to run a soft credit check -- and that is the only permission I gave. I did not request a payoff letter. I did not request a refinance that " We're Working to Close ''. 

The creation of the second loan application is fraudulent.
Consumer complaint received 2022-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

We deposited a cashiers check from our couch buyer ( Scammer ) for the amount of {$3200.00} to a Chase Bank Branch in XXXX CA, teller accepted the cashiers check. The following day I checked my bank account and the check is still on hold but chase issued temporary available amount from the check of {$3200.00}. Next day, scammer told me that he changed his mind because family member got to an accident and wants me to send the money back to him through " XXXX '' from my bank account. I send the said amount to buyer. The next day, the cashiers check bounced and I got my checking account into a negative/insufficient funds. I called chase and talk to a manager and manger told me that the cashiers check is fake, I told the manager how come chase branch did not check if the cashiers check is fake or not and even the bank cleared it. Then manager answered nothing she can do about it and she said as of now you owed us {$3200.00}. They don't want to return the money even if its a bank error. I even asked the manager to take out the negative status on my account but manager said nothing they can do because i authorized the transaction. But I don't know that the check is fake because chase bank branch accepted it and the funds is available on my account to use. So its really not my fault to have my checking account to a negative balance. Please see attached cashiers check and receipt of the deposit from chase that shows that the check was cleared. 

Please help me solve this issue.
Consumer complaint received 2022-11-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (VA)

Received real estate tax exemption from the XXXX of XXXX in our XXXX on XX/XX/2022. We sent this info to the Tax Department of PHH Mortgage Company and it was confirmed they received it via email on XXXX XX/XX/2022. We were informed it would take 10 days to be processed is now XXXX XX/XX/2022 and they have failed to process or resolve anything to date. PHH claims that they 'researched ' themselves ( they did not contact the City Commissioner ) and our tax exemption is only a partial exemption and completely disregarded the provided documentation stating it is a full exemption. They refuse to adjust our payments for the full exemption and have not even adjusted them for the partial exemption. Instead they have ignored taking any action to fix the situation and have INCREASED our payments on a statement dated XX/XX/2022. We submitted a request to remove the escrow account on XX/XX/2022 since we are tax exempt and can bundle our homeowners insurance in with our automobile insurance and so far it seems they are refusing to process that as well We have already verified with the Commissioners Office and received XXXX refund payments of our tax XXXX overpayments issued from the city/county, the other portion was issued to PHH Mortgage since they held our loan for the timeframe of the issued refund. We have not received that refund from them and it is not posting in our account. This inept excuse for a company refuses to do their due diligence and actually contact the city/county to verify our exemption. I wish my mortgage was never sold to them as I did not choose nor would I ever choose a company with this track record. I want to have my payments adjusted appropriately, the escrow account closed and all necessary funds refunded to us in full.
Consumer complaint received 2022-10-07
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OZK (NC)

Bank OZK begins calling the day after a payment is due. Sometimes calling multiple times daily AND sending at least 1 email daily, sometimes 2. My husband lost his job and we got behind on 2 payments. They of course only attempt to call during the day and while I work longer hours than they state their business operates in, it is hard to get in contact with the company. Almost every voicemail that has been left on my phone is hateful and they seem annoyed to be doing their job. I have attempted to pay what was owed in 2 separate payments totaling {$900.00}, while the amount owed was {$750.00}. They sent a letter stating the original {$500.00} payment was refunded on XX/XX/22. Which as of XX/XX/22 it has not been, and the additional payment of {$400.00} made has not been posted to the account as of yet. In the letter stating they were refunding the payment they also stated they were moving forward to " repossess collateral ''. I highly doubt this is how a business should operate.
Consumer complaint received 2022-10-07
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. (CO)

This is RIDICULOUS!! HOW MANY CONPLAINTS DO I HAVE TO FILE!!? MY BANKRUPTCY WAS FILED XX/XX/XXXX WHICH MEANS YOU'VE EXCEEDED THE 7 YEARS TO REPORT. I WANT THE FRAUDULENT AND UNAUTHORIZED INQUIRIES REMOVED IMMEDIATELY. IVE BEEN DISPUTING SEVERAL OF THEM SINCE XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in XXXX XXXX update the account to PAID/NEVER late and send me a copy of my updated credit report.
Consumer complaint received 2024-12-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (TX)

I am submitting this complaint in connection with this fraudulent account opened in my name due to identity theft. I am refusing to pay this debt because I did not authorize it or benefit from it. I reported the identity theft, contacted the company and still this remains unsolved. They provided a response but it is only the fraudulent information that I discovered to be fraud. I have tried reaching out to this company several times and I dont get a response just unauthorized mail and collection calls. This complains to notify of refusal to pay and cease calls and mail.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that TransUnion will Investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. XXXX  Account Number XXXX Reported on XX/XX/year>
Consumer complaint received 2022-11-17
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: National Credit Adjusters, LLC (CA)

XXXX account # XXXX I disputed the accuracy of this account and told them that it is incorrectly being reported as a charged off account with a balance due, further more asking them to provide proof by verifying the charge off and update the balance to {$0.00} or delete the negative payment status on this account. To this day they just keep saying it was verified without showing me proof. 2. NCA Account # XXXX I disputed this account stating : " I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. Per the FCRA 611 ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2022-10-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-04
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: FIRST PORTFOLIO SERVICING INC (MD)

Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it reports and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report.

As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of investigation procedure.
Consumer complaint received 2023-06-16
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. (NJ)

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 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 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXXXXXX XXXX XXXX. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.