davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

In XXXX, when I was XXXX my mother opened a credit account in with XXXX XXXX with my name a social security number. The account stayed active and open until XXXX. During the entirety of this time my mother lived with me and at the home I was eventually able to purchase until she moved out end of XXXX due to our differences, in that time she was collecting the mail and filtering out these bills while I was at work. I made many attempts to close the account by calling XXXX XXXX and letting them know what was going on while attempting to buy my first home in XXXX when I realized she had done this again and they refused to shut the account down. She had a long history of creating credit accounts in my name and my younger brothers name and then no making good on them ( XXXX, XXXX XXXX gas station to name a couple. The account has now been transferred to collections with XXXX XXXX XXXXXXXX I have tried to negotiate just to make it go away, I have disputed the account to no avail and the only confirm the account by sending my the last bill. It is unfair to continue fighting for almost a decade with a company about an account that was opened by an irresponsible credit seeking parent and for me to continue to pay the price while I clean up my own credit issues from a divorce. I would like this account removed as I never had knowledge of this account until it was too late and XXXX XXXX refused to do anything about it and at one point accused me of lying to get out of the debt. XXXX XXXX XXXX has been no help with the issue.
Consumer complaint received 2020-02-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

DO NOT EVER USE THIS COMPANY IF YOUR LOAN IS SOLD TO THEM YOU ARE BETTER OFF HOMELESS. I HAVE COMPLAINED AGAINST THIS COMPANY MULTIPLE TIMES. THEY WILL DO ANYTHING THEY CAN TO MAKE YOUR LOAN A HORRIFIC NIGHTMARE. FEES, RUDE INCOMPETENT EMPLOYEES. I HAD A LATE PAYMENT, I CALLED AND LET THEM KNOW A DATE I WOULD PAY. THEY LOCKED ME OUT OF MY ACCOUNT. I CALLED THEM THEY ARE REFUSING TO ACCEPT MY PAYMENT. I REFUSE TO GIVE THEM MY NUMBER AGAIN BECAUSE THEY CALL AND HARASS YOU. I SPOKE TO THREE REPRESENTATIVE THEY WILL NOT GIVE YOU A SUPERVISOR THEY WILL CONTINUE TO ASK RIDICULOUS QUESTION AND PLAY COI. I HAVE CONTACTED A LAWYER AND WILL BE SUING THEM. 

RUN FAR FAR FAR AWAY!!!!!!!
Consumer complaint received 2017-11-03
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: CITIBANK, N.A. (PA)

THIS IS A CONTINUING COMPLAINT ABOUT RESPONSES BY CITI CARD CONCERNING Complaint number : XXXX WHICH HAS BEEN DEEMED TO HAVE ENDED. THE RESPONSES RECEIVED FROM CITI ARE FALSE IN MANY WAYS. IN A LETTER TO ME FROM CITI, DATED XXXX/17, THEY HAVE DISMISSED MY CLAIM OF 2 CHARGES WHICH WERE DISPUTED BY ME. FIRST IN THEIR LETTER THEY HAVE SAID THAT THEY TRIED TO REACH ME BY PHONE. I HAVE A FULL TIME RECORDER ON MY PHONE, & IT SHOWS THAT NO SUCH CONTACT WAS ATTEMPTED. FURTHER A PHONE CALL IS NOT A LEGAL DOCUMENT. THEY HAVE RECEIVED ALL OF MY DOCUMENTS BY FAX, WHICH IS A LEGAL DOCUMENT. THEY ARE NOW REACHING ME BY LETTER, & TELLING A STORY WHICH IS " NOT TRUE '' IN MANY ASPECTS!
ON THE DISPUT OF 2 CHARGES, EACH FOR {$99.00} I REQUESTED WITHIN 2 DAYS OF THE CHARGES APPEARING ON MY BILL TO DISPUTE THESE CHARGES. I NOTIFIED CITI THAT I RECEIVES 2 ITEMS FOR A SHIPPING CHARGE OF {$5.00}, & {$6.00} FROM A COMPANY FOR TAKING A SURVEY. I NVER DALT WITH THE COMANY AGREEING TO PAY ANY OTHER FEES. I EXPECTED CITI TO ACT AS MY AGENT IN DISPUTE OF THESE FEES. CITI ISSUED A TEMPORARY CREDIT, & THEN MORE THEN 2 MONTHS LATER TOLD ME I HAD 14 DAYS TO CANCEL A FREE TRIAL FROM THE COMPANY. I DID NOT TAKE 2 WEEKS TO DO SO AS BY THEY BEING MY AGENT I DID SO WITHI9N 2 DAYS OF THE POSTING OF THE CHARGES. WHY DID CITI WAIT FOR THIS LENGTH OF TIME TO NOTIFY ME OF CONDITIONS THAT I HAD TO CANCEL THE CHARGES. THIS ACTION IS WRONG DOING & NEGLIGANCE ON THE PART OF CITI & I REQUEST THAT CFPB TAKE ACTION AGAINSTN CITI TO CORRECT THE SITUATION.
XXXX XXXX
Consumer complaint received 2017-11-02
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: TD BANK US HOLDING COMPANY (TX)

On XXXX XXXX I purchased a car from XXXX and XXXX XXXX, and my credit was reported four times. Three of those times should be an error. Are you able to fix this, or do you need me to get proof from XXXX?
Consumer complaint received 2023-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

TRANSUNION, continues to report XXXX XXXX XXXX inaccurate information, which was a result in XXXX and XXXX data breach. USC 1681. TRANSUNION, has an inaccurate consumer report, which has been involved in identity theft. Along with any aliases connect to above name, Report should only read XXXX XXXX XXXX XXXX No other aliases connected. Fraudulent Account Displayed
Consumer complaint received 2023-03-07
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-12-11
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. (TX)

Since XX/XX/2020 I have paid my mortgage to XXXX XXXX XXXX. I never saw any improvement on my score. I am a XXXX wines and have been having issues with the credit bureaus. I have paid on time and none of my scores have improved. It now XX/XX/2020 still after all the investigation and disputes no improvement on my score for paying on time. I know that my score should go up but it keeps dropping. I can not purchase a car for getting to the doctors office I have a XXXX XXXX. I do not know why Im being discriminated against my XXXX and age and race. 
All three credit bureaus have stopped my scores from improving. 
XXXX XXXX never boosted my scores. 
XXXX, XXXX, Equifax never posted my XXXX XXXX XXXX
Consumer complaint received 2023-03-04
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: CITIBANK, N.A. (NJ)

On or about XX/XX/XXXX I had a credit limit of {$1200.00} with Citibank, NA, i.e., Citi credit card and made a significant payment of about {$900.00}. Almost immediately Citi informed me it was reducing my credit limit to {$500.00}. As a result of this I knew my credit score would be negatively affected as it would unfairly show I was using more than 90 % of my credit limit when in reality my payment would otherwise indicate that I was only using about 30 % of my credit limit. This action by Citi of which I attempted to be corrected by explaining the unfairness of the situation and the negative consequences on my credit score which is vital to me in securing housing in the near future, was met by Citi with absolute indifference and callous regard to my situation. Ive always paid my credit card account with them on time and this is the thanks I get. Please help, I dont want to be forced to live in my car. Thank you for your support.
Consumer complaint received 2023-03-04
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. (CA)

I tried to fix this problem with XXXX XXXX XXXX XXXX XXXX and Equifax I disputed this for paid in full or off of my credit report for fraud XXXX XXXX XXXX agreed to all the credit bureaus that the information was correct about me being a cosigner and on credit acceptance buyer declaration the terms and agreements were suppose to be on point but it's not the reason why saying this is if I told you I was the cosigner and all the three credit bureaus said it's correct about me being the cosigner why is my signature under the buyer and not under cosigner that seems fraudulent to me and needs to be on my account as paid or remove it off for fraud
Consumer complaint received 2019-04-27
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: EQUIFAX, INC. (AR)

On XX/XX/2018 I went to XXXX XXXX to purchase my first car. I specifically told the sales rep thst I did not want my credit pulled more than one time. However the following companies pulled my credit without written authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-04
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: EQUIFAX, INC. (RI)

These companies ran my credit without my knowledge 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VYSTAR CREDIT UNION (FL)

I reviewed my consumer credit report and Vystar is reporting the bank account as a charge off with an outstanding balance. There are two faults caused by the bank that have affected me negatively and caused me financial harm. 

1. I closed this account inside the bank several years ago. Vystar actually gave me money back upon closing the account out. Without my knowledge or consent Vystar reopened the bank account and continued to process transactions. I was not notified until I found the debt on my credit report. 

2. After Vystar refused to rectify their wrong doing i eventually paid the outstanding amount althogh I was reluctant to do so. I walked inside of an Vystar branch on XXXX XXXX in XXXX, FL and paid the amount that Vystar stated I owed although Vystar credit the negative balance. Vystar refuses to remove the debt from my credit report. A balance is still showing owed. 

I contacted Vystar by phone and the representatives advised me to contact a third party collection agency to get it removed. I was very confused as I did not pay a third party agency and I was never notified that an third party agency took over the debt. 

I am out of money, my credit is being negatively affected all due to this large company treating me like nothing!
Consumer complaint received 2023-03-04
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Credit Card account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-03-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IL)

Synchrony financial Amazon Store card started charging an account security fee out of nowhere in XXXX. This is an extra fee in case a person loses their job or is unable to work due to disability or injury, and the account holder has to sign up for it. The fee is a set amount per {$100.00} on the card. I only discovered the last three charges when I went to look at my account to see if a refund was issued from Amazon, otherwise I wouldnt have known. Ive had my card for years and have had no need for this feature, and they just added it to my account without authorization on my end. 

Their customer service isnt open on the weekends, so Ill be calling Monday to get it resolvedbut I XXXX  to see if others have had this issue and apparently its standard practice for them to add this fee without cardholders knowledge. 

I even checked my email and there was no notification of this feature being added to my account. One would think that synchrony would send a confirmation email if a cardholder enrolled in the program, or to see if they did so in error and had an opportunity to rescind. 

Please look into Synchronys practices. There are no doubt other users who are experiencing the same issue. I will follow up if my issue is not resolved with them.
Consumer complaint received 2023-03-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

There was suspicious activity on my account. A Bank Of America representative contacted me and told me to contact them, So I called Bank Of America and told them what was going on, so the representative asked me what kind of phone I had and I told her an XXXX XXXX, so she asked if I had given out my passcode to anyone I said No. then she told me that someone with an XXXX phone was trying to access my account and that they were gon na have to close my account, So I asked her about my direct deposits that I had coming to my account would go back to the sender and any remaining balance would be mailed to me, And she said because of the activity on my account I am a risk to them and their safety. I have been a Bank Of America customer for years and they do this.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have a XXXX XXXX loan from XXXX XXXX XXXX XXXX ( Account XXXX XXXX ), which was serviced by XXXX ( XXXX XXXX account is- XXXX XXXX XXXX XXXX XXXX XXXX In my Federal Student Account the XXXX loan is showing a balance of {$270.00} which is currently being reported incorrectly. The balance of the loan is actually {$0.00} and was paid off in XXXX. The loan is also being reported incorrectly to credit agencies, as a balance of {$270.00} when it should be reported with {$0.00} balance and paid. Please see the payoff letter from the XXXX XXXX XXXX below. 

I have contacted the servicer ( XXXX ) multiple times and asked them report this XXXX as paid in full and owing {$0.00}. This XXXX XXXX  has been paid off since XXXX and XXXX has incorrectly been reporting a balance owed from XXXXto present day XXXX
Consumer complaint received 2023-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$10000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3600.00} XXXX XXXXXXXX XXXX XXXX Balance : {$550.00}
Consumer complaint received 2023-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter on XX/XX/XXXX to remove these items : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$400.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$450.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX  XXXX NA XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The aforementioned items are unknown to me. you are required to remove/block any items or information not later than 4 business days after. Ive already included this in my previous Complaint # & I am including it again.,
Consumer complaint received 2020-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

Upon reviewed my files, I notice a Wells Fargo Checking and Credit Account open under my information without authorization and permission, I notice there is predatory practice by the institution to incurred a large amount of transaction and keep incurred hidden fees without my permission and acknowledgment.
Consumer complaint received 2023-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I've have sent out letters going back from the XXXX of XXXX and then again on the XXXX of XXXX. I have asked for accounts to not only be verified but a record of how they verified it and to take it off my report if they can't resolve this matter. I ask for it to be done in 30 days because from my understanding by law they only have 30 to 45 days to answer and I've heard nothing.
Consumer complaint received 2021-08-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: OpenRoad Lending (GA)

In Accordance with 15 USC 1692g, OpenRoad Lending , LLC failed to comply with sections ( 3 ), ( 4 ), and ( 5 ) of the code. I did not receive a statement that gave me the option to validate the alleged debt, dispute the debt or information providing me with the name and address of the original creditor. The date of the alleged contract is XX/XX/2021 for a loan total of {$19000.00}.
Consumer complaint received 2020-11-25
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: CBC Companies, Inc. (MN)

On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, FACTUAL DATA add a hard inquiries on my credit reports per XXXX, XXXX  and XXXX. 
On XX/XX/2020, XXXX XXXX  XXXX  add a hard inquiry on my credit report per XXXX.
Consumer complaint received 2020-11-25
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. (NY)

I wanted to get a new credit card however because of the Equifax data breach in XXXX, I had frozen each of my accounts with Equifax, XXXX XXXX and XXXX. Therefore I needed to unfreeze these accounts in order for the bank to check my credit. First I called Equifax on the phone but they were unable to confirm my identity. Then I tried to use the internet and was told to complete the online form and mail it with proof of my social security number and my address. I completed the form and send the documents proving my social security number and address and sent it certified mail on XX/XX/XXXX. My tracking ticket from the USPS indicates that the letter was received on XX/XX/XXXX. On XX/XX/XXXX I received an envelope from Equifax addressed to a name I did not recognize at my address I have lived at my present address for 42 year and know for certain that the name of the person on the envelope has not lived here. Therefore I composed a letter to Equifax telling them that an error had been made and that I would like to receive my credit report. My letter was mailed along with the sealed letter that Equifax sent me with the wrong name by certified mail on XX/XX/XXXX as of today XX/XX/XXXX I still have not received my credit report from Equifax. In addition I also received a post card telling me that I had already received a credit report within the last twelve months which was preposterous since I know for certain that I have not requested a credit report since I froze my account in XXXX