davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-07
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: LEXISNEXIS (KY)

On XX/XX/2015, I totalled a XXXX XXXX XXXX VIN # : XXXX which was registered and insured in my wife 's name. It was my fault. I was charged with XXXX as a result of the accident. No one was hurt. 
XXXX XXXX XXXX XXXX XXXX which provided coverage for the XXXX and continues to provide our coverage to this day has me listed for two ( 2 ) are fault total loss accidents one day apart from the other. They have me as being at fault on XX/XX/2015 and XX/XX/2015. The XXXX was the only vehicle we owned at the time. What's more, in XXXX 's own details it states that I was at fault for two total losses of the same XXXX XXXX XXXX. The vehicle was a complete loss and was towed away to XXXX 's analysis center on the XX/XX/XXXX, giving me no access to it. This dual at fault total loss combined with the XXXX has kept our insurance rates over the moon. I spoke with XXXX about a year and a half ago and they told me that there was nothing that they could do. It had been entered into the system, so that's how it was. Now, help me out here but that sounds like a load of bologna to me. They gave me the number to Lexis-Nexis but they also gave me the run around. I was wrong. I admit and since XX/XX/2015 I got XXXX and strive to maintain a higher quality of life for my family. I don't know what else to do about this.
Consumer complaint received 2019-11-07
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: Experian Information Solutions Inc. (TX)

I have been contacting Experian regarding misinformation reporting on my credit report since XX/XX/2019. I have asked for XXXX  to provide me with " hard evidence '' that goes all the way back to the original creditor, not verification from a third-party database of the information reporting on my account. Instead of providing requested proof, yet " another '' collection agency was added to my report and no proof has been provided for this one either.
Consumer complaint received 2019-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

3 months ago in XX/XX/2019, I was notified by USAA that I needed to update my W-9 information. They also threatened that if I did not, they may withold taxes on interest. I have been with the bank for over 40 years and they have that information already. Nonetheless, I called the bank and informed them that I was not subject to IRS witholding and therefor, according to everything I read, was not required to furnish any W-9 info or updates. The agent said that I did not have to sign the form if I did not want to. I said I would not as it is not necessary or required by law ( from what I understand ). She agreed. When I tried to log on last week ( XX/XX/19 ) or so, I was stopped by a pop-up requiring me to sign a W-9 or could not proceed. I finally went thru the maze of document finding and signed it to avoid further complications. When I finally got to my account I noticed USAA had already witheld {$.00} taxes from my measly {$.00} interest gained in my checking account. I do not believe this is legal, as do thousands of other USAA customers complaining on the USAA forum site ( also where I left comment last XXXX ). I would like to get a formal ruling on this as USAA seems to be abusing it's autority with it's customers. Perhaps they have had a security breach, lost customer W-9 's, or info therin, and they are covering it up with this story ... .there are many theories on the forum.
Consumer complaint received 2019-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (MI)

Credit Collections company Caine and Weiner has put on my Credit Report a debt owed of {$170.00} for XXXX XXXX. I paid them {$170.00} utilizing my prepaid debit card on XX/XX/2019 and they still have not removed it from my credit report. I have called them twice about not removing it from my credit report and they give me a different excuse each time I called but do tell me I do not owe them anything anymore. It's been 6 weeks. I can not see what their issue is but it's holding me up from getting approval from applying for a VA mortgage.
Consumer complaint received 2019-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XXXX continues to furnish information on account incorrectly. Payment never late. Reported on XXXX  as on time. Continue to violate FCRA Guidelines .Department of Education XXXX continues to furnish incorrect information on credit file. Company has multiple accounts on credit file displaying negative reporting.
Consumer complaint received 2019-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (OH)

On Friday, XX/XX/19, I attempted to make a {$400.00} payment to my XXXX XXXX. The payment did not appear successful so I reached out to XXXX XXXX customer service who advised the payment did NOT go through. I tried again, still nothing. At this time I waited several hours until once again attempting a 3rd payment. XXXX detailed none of these payment went though. Come Monday morning, XX/XX/XXXX, all ( 3 )  payments went through. I have made a a payment dispute with XXXX ( who ADMITTED this was an internal issue, even have the email that says it ), contacted their customer service via chat online and phone several times and filed a complaint with them. As of Tuesday, XXXX XXXX put a restriction on my account! Leaving me no access to use this credit card even though they have overdrafted my checking account! As of today, I called and was only told we can file another complaint, but fraud is set to call or email you soon FRAUD?!? I have been following up on this almost every day! I finally got escalated 3 times today and was told this can take 10 business days and they can not do anything!!
Consumer complaint received 2019-11-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NE)

I registered my old phone # and my new phone # with the national do not call list ... .I changed my phone # from XXXX to XXXX ... .I 've blocked their different phone # 's repeatedly ... .this is just some of the times and dates and new phone # 's recently they've contacted me from .they are not registered with the NE Secretary of State and are not allowed to collect debts in the state of NE under this name anyways ... .Portfolio Recovery Services XXXX XXXX XXXX XX/XX/19 ... .XX/XX/19 XXXX XX/XX/19 XXXX
Consumer complaint received 2019-11-07
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (VA)

Victim of Predatory Mortgage Lending ( NOTE : Will submit evidence docs at later date of complain filing ) : 1 ) In XX/XX/XXXX, Original XXXX XXXX  XXXX , XXXX ( XXXX ) loan was processed without borrower 's consent. 
-- no borrower 's signature on loan application, on statement giving away POA, or on bank disclosure of interest rates, etc. 

2 ) Per unsigned XXXX docs given AFTER loan was processed, initial interest rate was 1.9 % for 5 years. Then, increased to 8.872 %. This would result in total payments of {$600000.00} (!! ) for a $ XXXX loan. This disclosure doc of XXXX also was NOT signed, so that borrower did NOT understand true cost of loan. 

3 ) XX/XX/XXXX-XX/XX/XXXX American Home Mortgage Service , Inc. ( AHMSI ) also withdrew payment via auto-debit AND XXXX XXXX, falsely claiming mispayment and default. The auto-debit and XXXX XXXX were unauthorized by borrower. See CFPB Complaint # XXXX. Please note : Borrower was diagnosed & being treated for XXXX XXXX the same year. 

4 ) XX/XX/XXXX, AHMSI and XXXX XXXX  attempted foreclosure on property. 

5 ) multiple other problems with mortgage companies/collection agencies -- will follow-up with more supportive evidence 6 ) Current status : XXXX & XXXX XXXX survivor, borrower became recently ill. Loan has been transferred to collection agency XXXX XXXX c/o PHH Mortgage Services. When online account was activated XX/XX/XXXX, borrower could not find actual bill statements, or to know exact amount owed.
Consumer complaint received 2019-11-07
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: Experian Information Solutions Inc. (NY)

I have contacted each credit company to remove XXXX XXXX XXXX XXXX NY XXXX off my credit file and XXXX XXXX XXXX  XXXX XXXX ny XXXX. Some companies have removed others have not. Only XXXX XXXX XXXX XXXX XXXX NY XXXX should be on file and no other addresses. Hope to fix this up if not fixed already thank you.
Consumer complaint received 2019-11-07
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: EQUIFAX, INC. (NY)

I have contacted each credit company to remove XXXX XXXX XXXX XXXX NY XXXX off my credit file and XXXX XXXX XXXX  XXXX XXXX ny XXXX. Some companies have removed others have not. Only XXXX XXXX XXXX XXXX XXXX NY XXXX should be on file and no other addresses. Hope to fix this up if not fixed already thank you.
Consumer complaint received 2019-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CULLEN/FROST BANKERS, INC. (TX)

My name is XXXX XXXX, I had a checking account with Frost Bank and reported unauthorized charges on my account on XX/XX/XXXX via Frost webservice as instructed on website as well as in writing via mail due to me not being able to go to a branch due to illness. I never recieved any feedback regarding the disputes which also caused my checking account to be over drafted as well as accumulate fees and has since been sent to collections and is being reported to my credit report negatively and has caused me issues with opening another account due to XXXX  which would have been avoided if my claim was processed correctly and credited in a timely manner ( cardholder agreement states if notice is giving timely of unauthorized use and investigation requires 10 days or more temporary credit will be provided and visa agreement states zero liability. I was also missing credit from unauthorized charges I had reported in XXXX. 
Ssn XXXX Address XXXX XXXX  XXXX XXXX. 
XXXX XXXX Tx XXXX Phone:XXXX
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 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 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2019-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Dear Consumer Finance, I have 2 credit cards with Capital One. I made payments on time, but after my XX/XX/2019 payments, I had hardship. I miss some payments. On XX/XX/2019, I contact Capital One Credit and talk to a representative about my 2 credit cards trying to take them out of the red. Well, the representative helps me in the wrong way. Instead of me paying a {$180.00} to card ending XXXX  ( balance {$480.00} ) I have a {$17.00} available credit and can't use it. ( This card is in good standing ) Do you know how embarrassing that is in a store when you can use your credit card after paying {$180.00}? I should have paid that amount to card ending with XXXX along with the {$110.00} I paid into card ending XXXX. The card ending in XXXX would have gotten out of the red and I could have used that card to purchase XXXX dinner and caught the XXXX XXXX sale. But I can't use either card now. I can't go to XXXX  or Capital One Cafe to make payments on either card because of the lockout. That same day I made the {$180.00} payment on card ending XXXX my XXXX bill came out that same day so that the XXXX payment went toward the XXXX bill. Only if that representative would have a better look at my account more closely I would have made the account ending XXXX in good standing and would be able to use the funds on that card. Then I would have made arrangements to catch up on card ending XXXX. That {$300.00} that went down the drain. I have a due payment of {$65.00} on card ending XXXX  and due payment of {$140.00} on card ending XXXX I found out after trying to get this matter to solve we are having language barriers and some representative not explaining about other programs that Capital One has that could have saved me the trouble. I get phone calls every day from Capital One banks and today on XX/XX/2019, I call Capital One bank this very nice representative that I spoke to say that some of the past representatives that I encounter are not leaving notes. This is so heartbroken to me and my grandson. I'm a single grandmother raising my XXXX-year-old grandson and look like this year will not be any better than last year. I'm trying to bill my credit up so that my grandson can go to college without any problem. I can't keep putting money on the card and I'm lockout. Please help me. 

Sincerely yours,
Consumer complaint received 2019-11-07
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: Nicholas Financial Inc. (FL)

I checked my XXXX  Credit Report and note a hard inquiry on my Credit Report from " Nicholas Finance '', for which I have no knowledge of nor have I contracted with them. Nicholas Finance has not provided any contact or account information so that is verified or validated.This debt does not belong to me by any means and is reporting inaccurately and hurting my credit. I should not have to suffer for inaccuracies reporting on my credit report that are not my debts. If they can not provide a breakdown of fees including any collection costs and charges, provide a copy of my signature with the provider of service then I demand that they cease any credit bureau reporting until debt has been validated by me.
Consumer complaint received 2019-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (FL)

Numerous months ago, I physically went into a local branch of Wells Fargo Bank and closed my checking account and cut up my debit and credit cards in the presence of an employee. I also requested that all of my information be purged from their system. 

Now, many months later, I have received an email informing me of " great offers available '' with my previous " XXXX '' credit card. I called the number mentioned within the email message to inquire as to why I am still being contacted via email ; however, I was told they could not help me because I could not give them my " current password ''. I explained I don't have a " current password '' and do not remember my past password. After numerous conversations with numerous employees and repeating my name, birth date, etc, time and time again, I was " escalated '' up the corporate ladder and once again after having to give my name, address, phone number, birth date, SS number, and " name of first born '', I was told " I can't help you without your password ''. I was instructed I must go to a local branch and submit a photo ID in order to request my personal information be purged from their records. Ironically, I have never gone into " a local branch '' to open up any accounts or to obtain credit cards from them ; therefore, why should I go into one now just to request all of my information be purged from their system? 

I have been a past victim of identity theft, as well as being one-of-the-thousands of Wells Fargo customers whose excellent credit information was utilized to enhance their business reputation. I do not appreciate nor want Wells Fargo to be in possession of any of my personal information for fear of what happened previously and has the potential of happening again. 

I do not wish to receive any solicitation in any form from Wells Fargo ever again nor do I want them to retain any of my information in their data base. 

What must I do to end this continuous invasion of my privacy?
Consumer complaint received 2019-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

I purchased a XXXX fridge from Best Buy on my CitiBank Visa Credit Card with a 18 months no interest promotion that was set to expire on XX/XX/19. I paid this off XX/XX/19 ; the balance remaining was {$460.00} and the accrued interest was {$510.00}. Same day I paid the promotional balance off, CitiBank reduced my credit limit. 

Problem : CitiBank reduced my credit limit by {$450.00} literally the SAME DAY I paid off the promotional balance. My credit card statement showing 'statement end date of XX/XX/19 ' shows the reduced credit limit of {$2500.00} ; was {$3000.00}. I wasn't notified of this reduction until the following day. This is obvious retaliation and discrimination. I've always made extra payments with them. CitiBank wasn't able to capitalize on me with a promotion ; when I followed through and completed the payments on time, Best Buy Visa/CitiBank directly retaliated causing damage to my credit. 

Then a few days later I started receiving notifications from credit bureaus advising me that it was recently reported a credit card reduced its limit and this has negatively impacted me further. 

Exact Timeline : I called CitiBank on XX/XX/19 at XXXX CST and was on the phone for a little over 22 minutes and they ensured the {$500.00} additional payment I had made on XX/XX/19 was going to be applied to pay off the promotional balance. 

On XX/XX/19 I received an email notification from Best Buy Visa Card ( provided by CitiBank ) to review an important letter. 

I reviewed the letter and it states my credit limit has been changed to {$2500.00} ; {$450.00} less than it was before. 

I've asked CitiBank to fix their error, and they are choosing not to respond in an appropriate and respectful manner.
Consumer complaint received 2019-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX Reported : XX/XX/2019-  {$10000.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports,  blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-10-17
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: EQUIFAX, INC. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.