davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Company refuses to send me proof of debt. If I have this info, I can do a better job of pursuing clearing this fraudulent debt from my name. Currently, I have zero information about this debt. I have filed an identity theft report via the FTC.
Consumer complaint received 2019-05-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I've sent FOUR certified letters toTranUnion over the course of SIX months, asking for proof of verification of four items on my credit report. I asked for information on HOW they verified, WHO at their agency verified this information and that if they can't provide this information to please remove this info, per the FCRA. 
In each case, they only responded that they verified ( not how, not by whom, etc ). It appears to me that they may have only contacted the creditor for verification, without providing me with documentation as to how/who verified this ( on the creditor 's part nor the CRA 's part ). 

Per the FCRA, I ask that these tradelines be removed from my credit report due the the credit reporting agency 's multiple violations of the Fair Credit Reporting Act. 

I have copies of ALL of my correspondences with the CRAs ( including certified confirmation of receipt of my correspondences by the CRAs ).
Consumer complaint received 2019-05-23
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

During the purchase of the home, I paid the seller to remove the existing roof and install a completely new roof per manufacturer guidelines and installation instructions based on a 20 year Labor and Material warranty. The roof was not done correctly at all. I am suing the Seller and the Roofer, but they have announced they are broke and can't fix the damages. I can't live in the home as I am allergic to the mold growing in the walls and ceilings. I can't fix the home as I can't afford to myself, because it is about XXXX worth of damages as a result of the water intrusion. So I don't know what I can do ... It is a clear breach of contract, which I shouldn't be liable to maintain the deal on the purchase of the home. It is a clear violation of the VA loan requirements because the roof doesn't prevent water intrusion to the home.
Consumer complaint received 2019-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (TX)

A credit card account with Wells Fargo bank was fraudulently opened by ex-husband with Wells Fargo Bank. It did not come to my attention until years following our divorce. I made repeated efforts to have me removed from and close the account. 

In XX/XX/2017, I received an {$85.00} dollar payment from Wells Fargo for damages with reference too the unauthorized account and the accounts were removed from the credit reporting agencies. 

This week I received a letter from Wells Fargo regarding an early warning system for unauthorized accounts. In conversation regarding these accounts, it was brought to my attention that the disputed account was still opened. Further I was told, that I was still considered an active signer on the active and liable for all funds charged to the account.
Consumer complaint received 2019-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Southwest Business Corporation (CA)

We refinanced with SWBC in XXXX. The annual escrow disclosure statement came to us around the same time that our loan was sold to XXXX in XX/XX/XXXX. That is when we learned that our escrow opening balance was a negative {$1200.00}, rather than a positive {$1900.00}. As a result of my investigating as to why the escrow account was in the negative, I found out that a " pre-paid '' check of {$1600.00} that was intended for a 1 year premium of homeowner 's insurance was not sent -- and that SWBC took this premium from our escrow account instead, therefore making the account short. Since then, I have sent 12 emails asking where this check is. I have also called many times and spoken with supervisors, XXXX XXXX being one of them -- to no avail. I have called and spoken with XXXX numerous times explaining that what had happened, and I needed time to resolve this. In the meantime, I have been sending the original {$1400.00} payment each month, including the {$390.00} intended for the escrow account. XXXX has now sent a letter saying that they have alerted the credit bureaus and returned the last mortgage payment, less the escrow account monies, saying that they don't accept partial payments ( because I didn't send the extra monies to bring the escrow account up ) .Please help!!!
Consumer complaint received 2019-05-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SUNTRUST BANKS, INC. (VA)

On XX/XX/2019, opened in XXXX XXXX, VA branch a personal and business checking account. At the time of account opening, I provided the banker with a promotional code for personal account that give {$250.00} for new account and {$200.00} for new business checking account. At this time, I also received an email asking me to create a log in for the ability to check the status of meeting the requirements for the bonuses. Shortly after, in early XXXX, I checked the status of both bonuses and noticed that despite meeting the requirements none of the check marks indicating same were noted. I then sent a secure banking message to SunTrust to inquire about my enrollment and received varied responses, that to some end stated that the accounts were never enrolled in the promotions, despite having provided the promotional codes at account opening. The two codes provided are XXXX ( business promotion code for {$200.00} ) and XXXX ( personal account promotion code for {$250.00} ).
Consumer complaint received 2019-05-23
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. ()

I had to check that one option because my complaint was not listed. On XX/XX/2019 I applied for a credit card with XXXX XXXX. I agreed to pull my credit report but they pulled it twice on the same day which put 2 inquiries on my XXXX  credit report instead of 1. I tried contacting XXXX and was told I need to contact the credit reporting agencies. I tried to explain to XXXX  and was told I need to contact XXXX. I am submitting this complaint because having an extra inquiry on my credit report affects my credit score.
Consumer complaint received 2019-05-23
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: BARCLAYS BANK DELAWARE (NY)

I had to check that one option because my complaint was not listed. On XX/XX/2019 I applied for a credit card with Barclays Bank. I agreed to pull my credit report but they pulled it twice on the same day which put 2 inquiries on my XXXX  credit report instead of 1. I tried contacting Barclays and was told I need to contact the credit reporting agencies. I tried to explain to XXXX and was told I need to contact Barclays. I am submitting this complaint because having an extra inquiry on my credit report affects my credit score.
Consumer complaint received 2019-05-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A. (WA)

I was issued an unsecured credit card by CITIBANK SOUTH DAKOTA NA in XX/XX/XXXX, a credit limit of about {$5000.00} dollars.I made payments on the balances due until XX/XX/XXXX when I had a Baby, lost my job and could not continue payments.On XX/XX/XXXX, a Judgment was filled  against me without any notification or consent and they placed a LIEN on the Property my Husband owned prior to our marriage.Because Washington is a community property State, this LIEN has adversely affected my Husband 's Mortgage payments, our Credit and ability to refinance the Mortgage. 
I had no knowledge about this LIEN until XX/XX/XXXX when my Husband tried to refinance his house.I reached out to the Attorneys representing CITIBANK who filled the Judgment to have them REMOVE the LIEN on the property but they refused and insisted that it will not be removed until I pay the principal amount of {$6000.00}, filling fees, Attorney fees and interest fees, a total of {$17000.00} dollars. 
I explained my current financial situation to them but to no avail : My XXXX year old daughter passed away on XX/XX/XXXX at the XXXX XXXX 's Hospital after XXXX on XX/XX/XXXX in XXXX Washington in a swimming pool, my Mother passed away on XX/XX/XXXX and I am currently unemployed. 
CITIBANK SOUTH DAKOTA NA and their Attornys want me to pay {$7000.00} as settlement before removing the LIEN on the house but gave me only 5 days to pay it or pay the full amount, they also refused any payment plan that I proposed.
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

After 2 attempts to have my report fixed they left the account as is. XXXX fraudulently opened a second account in my name reporting a balance during bankruptcy proceedings. There has been no communication to validate the debt and the reporting agency just left it as valid even though you can clearly see that the bankruptcy was active making any debt collection illegal they continue to validate the debt owed and the reporting of late payments on an account I have no knowledge of. They also state they " investigated '' however, there is no documentation so they are just automatically siding with a creditor without certified mail proof, signatures, or communication with my attorney that this was a valid debt.
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NC)

Equifax apparently has my date of birth wrong. I tried to correct it over the phone after establishing my identity by answering multiple security questions. They refused and told me I had to write a request and send photos of identification. I then tried to use their online form complete with uploading the necessary images. They wouldnt accept the submittal. I then tried to simply order a copy of my credit report online as directed by Annual Credit Report .com and was told I could not - that I had to submit it in writing with certain documentation. This is crazy! No other creditor or credit reporting agency has this error. It is clearly a data entry error of Equifax and they wont even let me see my report without jumping through a bunch of hoops. If they would spend 5 minutes looking at the personal information submitted by my creditors or the other credit reporting agencies they could verify this is error is theirs and correct it. Apparently Ive made somebody at Equifax mad and now they intend to make me pay for it.
Consumer complaint received 2019-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX a {$59.00} " Membership Fee '' was placed onto my credit card bill by Capital One. Two attempts were made by myself and my spouse to change our card program with Capital One, but the company was unwilling to accommodate us. 
The last attempt we made was on XX/XX/XXXX and we again stressed our desire to remove the annual membership fee as we were unaware that it was going to be charged. 

It was disappointing to hear that such a de minimis fee which, when discovered and questioned, was handled in such a unfair and deceptive fashion. We had assumed that Capital One would note the small request, back out the fee and allow us to change to a no fee credit card program.
Consumer complaint received 2019-05-23
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. (NC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) XXXX ; XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX**** ; XXXX XXXX XXXX
Consumer complaint received 2019-05-23
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

I have a loan with ONEMAIN. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I XXXXXXXX, XXXX  and ONEMAIN with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2019-05-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Solar Mosaic LLC (MD)

My complain is about XXXX XXXX and MOSAIC Solar. They sent me their agent that scam me with some lies that I will save some energy by getting a loan through MOSAIC to finance a solar system for my house. They lied to me that I will get a will get a tax credit of XXXX which I didnt get. Also the agent did not procure any paper documents to sign, I did all the signings over her labtop and it was so fast without any explanation. I sign some documents that lock me for 20 years and the worst they PUT A LIEN on my house. They did not tell me about it. My credit was run 3 times without any reason and that brought my credit score from XXXX to XXXX. All this happened in XXXX. In XXXX Im in a situation where I cant sell my house because of the lien, and also the solar did not increase the price of my house. NEVER DO SOLAR. It is a SCAM and they just stealing the honest people money. Please let everyone know about it. Im paying XXXX dollars every month for the loan and my electric bill is not improving. I did not save any energy bill. ALL ARE LIES
Consumer complaint received 2019-05-23
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. (MN)

I applied for credit with XXXX XXXX on XX/XX/XXXX, I was denied, which was fine. I later saw on all 3 of my credit reports that my credit was checked by XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was told by an account supervisor at XXXX XXXX that they seem to be duplicates and I should call all 3 credit bureaus and have them remove it over the phone. They all will not remove these inquiries that I did not make, I only made the XX/XX/XXXX inquiry. I keep getting the run around from all 3 bureaus saying they can't remove them and to contact the creditor. When I contact XXXX XXXX, they say the credit bureaus have to remove them since they were duplicates not made by me. This is causing me a lot of distress and hurting my credit score.
Consumer complaint received 2019-05-23
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. (RI)

I don't know who XXXX XXXX is nor do I owe them the amounts {$970.00} and {$480.00} I have no idea what the accounts are. I also do not owe XXXX XXXX {$2600.00} and {$4300.00} for the unknown accounts. XXXX XXXX XXXX XXXX {$300.00} I have no idea why I owe them
Consumer complaint received 2019-05-23
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: EQUIFAX, INC. (RI)

I don't know who XXXX XXXX is nor do I owe them the amounts {$970.00} and {$480.00} I have no idea what the accounts are. I also do not owe XXXX XXXX {$2600.00} and {$4300.00} for the unknown accounts. XXXX XXXX XXXX XXXX {$300.00} I have no idea why I owe them
Consumer complaint received 2019-05-23
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. (IN)

I have two items on my Experion credit report that are in error and should be deleted.

( 1 ) An XXXX XXXX   item showing a {$59.00} debt that was in error when first reported as I cleared all charges with XXXX  when I terminated the service. I even carried the account for additional months so that I would not have this problem. They keep turning the account over to different collectors, as of now a total of 5 agencies have harassed me.

( 2 ) A derogatory report from XXXX XXXX in the amount of {$170.00} should never have appeared on my statement. At the time I terminated my account with XXXX   I made sure I continued with them beyond my two year commitment. At the time I also had XXXX XXXX through XXXX  and when I terminated I called XXXX and was told to discontinue paying XXXX   and start paying XXXX  directly, which I did. I can't imagine how I should have to pay twice for the same service.
Consumer complaint received 2019-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2019 i had 4 fraudulent transactions on my debit card from XXXX gas station in XXXX XXXX. 
1 for XXXX 1 for XXXX 1 for XXXX 1 for XXXX I called the bank as soon as i was made aware of the transactions that all happened around midnigjt while i was home asleep with my atm card in my wallet. I advised them that i believed there may have been a skimmer or something because i HAD gotten gas at that station on XX/XX/XXXX in the amount of XXXX. They temporarily credited my account on XX/XX/XXXX for the full amount and opened a claim. On XX/XX/XXXX my account was overdrawn because they reversed the credits and claim that the i investigation found no fraud and they were legitimate transactions because of the location although i had told them the transaction from that location 4 days prior was authorized but not the 4 equaling {$410.00}. I called to appeal the decision and they opened a appeal case but said i may not win and may not get my money back. I tried to get this process expedited considering my account is in the negative and i have bills on autopay set to come out and children to feed. 
I dont think that the investigation was fair and even other reps on the phone said they see this all the time with gas stations and its always fraud so im not sure why i as a customer am being held accountable for stolen money. The appeal is in process and will take 3-10 business days.
Consumer complaint received 2019-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I went with a capital one secured card to repair my credit. After 6 months on time payment history I was told I could get a credit increase. I missed the 6th payment due to an issue with the capital one website and it not processing the payment before the due date and I did not realize it until a few days after the payment due date. This was over 2 years ago. I still have and use the secured card and pay on time every month and usually make 2 payments per month over the one just to be sure the payments are processed. Ive been 2 years straight now without a single missed payment or late payment and I still can not get a credit increase. Without that increase Im showing a constant low credit available due to only having a credit line of the initial XXXX dollars that I paid for the card 29 months ago!
Consumer complaint received 2019-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I don't know who XXXX XXXX is nor do I owe them the amounts {$970.00} and {$480.00} I have no idea what the accounts are. I also do not owe XXXX XXXX {$2600.00} and {$4300.00} for the unknown accounts. XXXX XXXX XXXX XXXX {$300.00} I have no idea why I owe them
Consumer complaint received 2019-05-23
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: Experian Information Solutions Inc. (MN)

I applied for credit with XXXX XXXX on XX/XX/XXXX, I was denied, which was fine. I later saw on all 3 of my credit reports that my credit was checked by XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was told by an account supervisor at XXXX XXXX that they seem to be duplicates and I should call all 3 credit bureaus and have them remove it over the phone. They all will not remove these inquiries that I did not make, I only made the XX/XX/XXXX inquiry. I keep getting the run around from all 3 bureaus saying they can't remove them and to contact the creditor. When I contact XXXX XXXX, they say the credit bureaus have to remove them since they were duplicates not made by me. This is causing me a lot of distress and hurting my credit score.
Consumer complaint received 2020-08-25
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: EQUIFAX, INC. (NY)

After carefully going over my credit report I noticed there are accounts on my credit report that are reporting inaccurately. On XX/XX/2020 I wrote Equifax they failed to verify these inaccurate accounts with proper documentation. I rewrote them on XX/XX/2020 asking to delete these accounts.