davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-17
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: Experian Information Solutions Inc. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX Social Security # XXXX DOB : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXX. XX/XX/XXXXXXXX, XXXX, XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX. XX/XX/XXXXXXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XX/XX/XXXX XXXX, XXXX, XX/XX/XXXXXXXX To Whom It May Concern : My personal information that is pertinent to obtaining my free annual credit report is listed accordingly : XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX Social Security # XXXX DOB : XX/XX/XXXX Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next XXXX business days from Experian, XX/XX/XXXXand XXXX XXXX collectively. 

Thank you for your cooperation and consideration in this matter. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX Social Security # XXXX DOB : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXX. XX/XX/XXXX XXXX, XXXX, Texas XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX XXXX. XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XX/XX/XXXX XXXX, XXXX, XX/XX/XXXXXXXX To Whom It May Concern : My personal information that is pertinent to obtaining my free annual credit report is listed accordingly : XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX Social Security # XXXX DOB : XX/XX/XXXX Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from Experian, XX/XX/XXXX and XXXX XXXX collectively. 

Thank you for your cooperation and consideration in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-11-17
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. (CA)

I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus assisted me in removing them. I recently reached out to the bureaus to have these fraud items blocked/removed like the previous accounts before and XXXX  and XXXX  did their jobs in no time. Transunion on the other hand, has received my request to block these fraud accounts, through the 605 ( b ) laws, as I've sent in a FTC Law Enforcement Report, list of fraud item, and proof of identity displaying my I.D cards. Transunion continues to tell me over the phone that they are still working on their investigation and its been about a month since they've received notice. I have two separate confirmation # s for two separate occasions having to block these accounts. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to remove the identified fraud items off a consumers report, that is law! That statement is not an opinion, these are the FCRA Laws, Law 605 ( b ). So why is this item still on my report? Because Transunion is WILLFULLY and KNOWINGLY being negligent of identity fraud. This has to stop!
Consumer complaint received 2021-04-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Premier Auto Credit (CA)

My balance has reflected an incorrect amount owed for quite awhile, among other issues/communication problems since the inception of this loan being transferred to this company. I spoke with the supervisor XXXX XXXX, XXXX XXXX, and some other ladies on the phone about this MULTIPLE times throughout XXXX. XXXX XXXX told me I was missing XXXX, XXXX, XX/XX/XXXX payments ( even though I wasnt even financed through them at the time ) and I sent bank statements and cancelled check copies proving they were paid. I also asked why was I never informed of missing payments when they bought my loan in XX/XX/XXXX and was told they just put my loan up to date. What? That makes no sense. Then she told me I was missing XXXX, XXXX, XX/XX/XXXX payments once I sent proof of the XXXX payments. Ive never missed any payments and sent all bank statements she requested to prove this. After proving I made all payments, she said she would " forward to upper management. '' This was XX/XX/XXXX. I have not heard anything since, and she refuses my calls, always in a meeting, lunch, on the other line, or just transferred to her voicemail. I have left countless voicemails and emails ( that XXXX XXXX confirmed she received ) and was told she would call back and email back however she has not. On XX/XX/XXXX, XXXX stated that this would be resolved by the end of the business day and XXXX would send me an email for my records and give me a call. That did not happen and I've called again since, and she is still not taking my calls. I just want my balance to reflect what I owe, so that I can pay off the vehicle and receive my title. The maturity date of the loan is XX/XX/XXXX, and I only have two payments left on this loan however my balance shows + {$1000.00} more ( because they claimed I missed 3 months payments, which was proven to be false ).
Consumer complaint received 2020-11-12
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. (FL)

THE ACCOUNT THAT I AM DISPUTING, DOES NOT BELONG TO ME AND I HAVE NO KNOWLEDGE OF IT. THERE IS ALSO A LATE PAYMENT REPORTING ON A XXXX  ACCOUNT THAT NEEDS TO BE ADJUSTED. THE LATE PAYMENT ACCOUNT NUMBER IS XXXX. THE DATE IS XX/XX/2019. I AM ASKING THAT THE DEROGATORY ACCOUNT BE REMOVED FROM MY CREDIT FILE AND THE LATE PAYMENT BE ADJUSTED AS SOON AS POSSIBLE.
Consumer complaint received 2020-08-23
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-11-17
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. (CA)

I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus assisted me in removing them. I recently reached out to the bureaus to have these fraud items blocked/removed like the previous accounts before and XX/XX/XXXX and XX/XX/XXXX did their jobs in no time. Transunion on the other hand, has received my request to block these fraud accounts, through the 605 ( b ) laws, as I've sent in a FTC Law Enforcement Report, list of fraud item, and proof of identity displaying my I.D cards. Transunion continues to tell me over the phone that they are still working on their investigation and its been about a month since they've received notice. I have two separate confirmation # s for two separate occasions having to block these accounts. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to remove the identified fraud items off a consumers report, that is law! That statement is not an opinion, these are the FCRA Laws, Law 605 ( b ). So why is this item still on my report? Because Transunion is WILLFULLY and KNOWINGLY being negligent of identity fraud. This has to stop!
Consumer complaint received 2021-03-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

The PayPal holds my account into limitation on XXXX that my account is suspicious I think this not right I follow all there steps I submitted all necessary documents to PayPal but my account took so long to restore.My PayPal account is XXXX XXXX
Consumer complaint received 2020-11-17
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: FIDELITY CAPITAL HOLDINGS, INC (CA)

On XXXX XXXX, 2020, FIDELITY CREDITORS SVC add a collection on my credit report per XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2021-06-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (PA)

I have additional documents to upload for my previous complaint with wells fargo,, I was treated unfairly and poorly over and over again they promised me they would not close my account. All the calls are recorded and monitored all the specialist in the executive office told me they were giving me a permanent provisional credit on the cancelled airline ticket that I had purchased and cancelled they told me that I would have no problems they lied to me and wrongfully and unethically closed my account after they did a full investigation they put funds in my account then went behind my back and took the money out my account again after they gave there word to not worry and that every thing would be okay, later they come with a crazy excuse that I have to take it up with XXXX they were totally harassing my integrity my human being and my mental state I want justice on this matter I have been calling wells Fargo for justice for 2years on this matter I have called over dozens of times, some of the agents have hang up on me and then some of them have email me telling me they will help me resolve this matter and to this day no one has called to help me on this. No help was done they will type emails send letters promising to help, promising a resolution for months then months turned into 2 years and not giving one it is abuse this company has mentally and emotionally abuse me since XXXX  I been facing abuse and unfair treatment
Consumer complaint received 2020-11-17
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: Collection Bureau of America Ltd. (CA)

On XX/XX/2020, CBA Collection Bureau of America add a derogatory mark on my credit report peXX/XX/XXXX and XX/XX/XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA Collection Bureau of America has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2020-11-17
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. (CA)

I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus assisted me in removing them. I recently reached out to the bureaus to have these fraud items blocked/removed like the previous accounts before and XXXX  and XXXX did their jobs in no time. Transunion on the other hand, has received my request to block these fraud accounts, through the 605 ( b ) laws, as I've sent in a FTC Law Enforcement Report, list of fraud item, and proof of identity displaying my I.D cards. Transunion continues to tell me over the phone that they are still working on their investigation and its been about a month since they've received notice. I have two separate confirmation # s for two separate occasions having to block these accounts. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to remove the identified fraud items off a consumers report, that is law! That statement is not an opinion, these are the FCRA Laws, Law 605 ( b ). So why is this item still on my report? Because Transunion is WILLFULLY and KNOWINGLY being negligent of identity fraud. This has to stop!
Consumer complaint received 2020-08-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

On XX/XX/2020 I deposited XXXX dollars into my Citi bank account via the atm deposit. XXXX dollars was Immediately made avaible and the other XXXX dollars was Held pending an investigation. One week later I went into the branch that I made the transaction and they told me that the deposit limit was XXXX dollars and there would be a fraud investigation because I deposited over XXXX dollars. On XX/XX/XXXX I met with the store manager and he told me that they would have to close my current account and reopen a new account because of the fraud claim. They then told me the fraud claim will take 10 days to be processed and once processed the funds will be deposited into the new account that I created. On the 10th day of the fraud claim investigation I contacted the bank they then told me the funds had been deposited into an old delinquent account that my ex husband had that had a balance of negative XXXX dollars. They told me I will have to take legal action to recover the funds.
Consumer complaint received 2020-05-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

This account was initially disputed XX/XX/2020 and asked to validate the information or remove from the report and also to remove the duplicate account with the original creditor and the collection agency. Per the FCRA an account can not be listed by the original creditor and the collection agency once the debt is sold to the collection agency. On XX/XX/2020 I received an update from the Bureau that the account outcome was updated. However they did not provide any information on the method of verification, proof of original signature or removal of the duplicate account as requested. I disputed this information and once again received the same letter from the Credit Bureau that the account was " Updated '' on XX/XX/XXXX as if they did not do the investigation, but just sent the same letter again. They have not cooperated with the disputing process.
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation (CT)

I requested a settlement amount, if account paid in full, the live chat rep referred me to XXXX XXXX XXXX XXXX, stated no assistance is available to me. This is in regard to my aspire card account, now closed. I am currently experiencing financial difficulties due to pandemic and would like to pay off account in full to save interest.
Consumer complaint received 2022-06-10
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. (LA)

I XXXX XXXX resides at XXXX XXXX XXXX XXXX is a VETERAN of the United States XXXX is a victim of Aggravated Identity theft and is being violated by these companies as a consumer. I have reached out to these companies four times stating law 605B.15 U.S.C. 1681c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT. These companies have done nothing but ignored my letters and leave remarks on my credit report stating that these accounts have been verified. Here are the USPS Tracking # numbers for each letter sent : XXXX : XXXX XXXX XXXX XXXX Transunion : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-08
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: Santander Consumer USA Holdings Inc. (NY)

The account is closed and charged off and needs to be removed from my credit report. 
I am still making payments on the account and I still have possession of the vehicle. Santander Consumer USA is reporting false information that is negatively affecting my credit score tremendously.
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (FL)

I applied for a XXXX XXXX credit card through the Chase mobile app after I received an offer showing XXXX points in rewards for opening this credit card and spending XXXX within the first XXXX XXXX. 

I have now received XXXX points and not the XXXX that were promised. 
I checked online and it seems the are several customers in the same situation. Chase makes offers to get clients to sign up for credit card and then dont honor their promotions even after client complies with all the requisites. 

I opened the card and spent the XXXX within the first month but Chase did not honor what was already approved. 
I also took a screenshot on my mobile app with the offer and confirmation from chase of the CC being approved with the offer when I opened the CC so I have this as well in case it is needed.
Consumer complaint received 2024-09-25
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/XXXX I paid XXXX to XXXX XXXX to pay off my credit card and the company charged me XXXX in interest following my payment. XXXX usually sends me an email for payment. I did not receive email regarding needing to make a payment. Now XXXX XXXX want a late fee. The XXXX was due on XX/XX/year> which I was not aware of. This bank only wants more money because I payed off my credit card.
Consumer complaint received 2020-08-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC (NJ)

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : Malicious Reporting on Mortgage Loan Account Veterans United Home Loans ( VUHL ) continue to report harmful and malicious information on my Mortgage Loan Account. VUHL has refused to remove a Payment Reversal entry from my account claiming that their manager XXXX XXXX verified that there were Insufficient Funds in my XXXX XXXX  account on XX/XX/2020 when I authorized a mortgage payment of {$1400.00} to be deducted from my bank account. 

Moreover, when providing VUHL a copy of written verification or a Letter dated XX/XX/2020 and issued by XXXX XXXX, XXXX Branch Banker, that clearly stated there were sufficient funds in my XXXX XXXX  account on XX/XX/2020 to cover the payment for VUHL. XXXX XXXX, Manager at VUHL and all others : XXXX XXXX and XXXX XXXX continue to distort the truth of this matter. 

Asserting my Rights under RESPA laws, I requested via Qualified Written Request on XX/XX/2020 the name of the Attorney who was in receipt of my Demand Letter dated XX/XX/2020 which I mailed to the address provided me by XXXX XXXX for the Legal Department for Veterans United Home Loans. After getting no response, I sent via email, a copy of the Demand Letter to XXXX XXXX, Manager for VUHL, who falsified information already : " claiming insufficient funds '' in my XXXX XXXX account was the reason for the Payment Reversal being placed in my mortgage file. Rather than provide me, XXXX XXXX. XXXX, with the name of a barred attorney that received my Demand Letter, XXXX XXXX, sends Certified Letters with the address of : XXXX XXXX  XXXX XXXX, XXXX, MO XXXX. This address is merely the address for Mortgage Research Center , LLC, d/b/a Veterans United Home Loans.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 30 ) days late in XXXX, 2020 on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to continue the investigation of my complaint. ) I contacted the dealership directly to defer a payment due to the COVID 19 lockdown. The customer service representative I spoke with said they would work with me on the deferment agreement and that no late would be reported. Unfortunately, the customer service representative lied and did not honor our arrangement. XXXX XXXX XXXX will consider payment deferrals on a case-by-case basis. Mot deferrals offered will be between ( 30-60 ) days. This is per the COVID practices of XXXX. Clearly, I was within the ( 30-60 ) day time frame. This false reporting of a late is seriously harming my credit score and this late needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.