davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

As I was auditing my credit report on XXXX  XX/XX/2023. I found an error on my report, there's an account reporting as a collection and is still showing a balance. How is that accurate? The credit bureaus is supposed to be accurate. Accuracy is a critical aspect of the credit reporting system because the data collected and shared by credit bureaus directly affects individuals ' financial opportunities, such as obtaining loans, credit cards, and favorable interest rates. Inaccurate information can lead to unfair denial of credit, higher interest rates, or even missed job opportunities, as some employers check credit reports as part of their hiring process - XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - Child Support I also found unauthorized inquiries on my credit report 3 of them
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

This is an email I sent to XXXX XXXX XXXX, who responded via letter that she wouldn't change the mistake. 

I'm reaching out today with great disappointment as I've had to close my XXXX XXXX XXXX account due to an unfortunate misunderstanding that I received no assistance with. In XXXX, I set up autopay for my recurring bills through my bank, which was successful. Encouraged by this, I added my credit cards in XXXX, given my father 's illness and my frequent hospital visits to care for him, making bill payments a challenge. 

However, in XXXX, my bank account experienced a bounce, prompting me to investigate unauthorized transactions. My bank promptly closed the account, requiring a two-week wait to reinstate everything. Consequently, my XXXX XXXX payment scheduled for autopay via XXXX didn't go through. While I typically trust this system and didn't manually verify the payment, I've had no previous issues and other bill payments went through without a hitch. I never anticipated this glitch with XXXX XXXX. 

Surprisingly, XXXX XXXX didn't reach out until my payment was 30 days overdue. I immediately settled the payment and attempted to dispute the credit reporting. Despite my longstanding positive history with XXXX XXXX, the representatives and managers stated that the bank fraud incident wasn't their concern and that the credit report would stand as is. 

My diligent efforts to maintain good credit have been tarnished by a situation beyond my control. I was vigilant in making the payment as soon as I realized it hadn't been processed by the bank. Since then, I've been proactive in making timely payments. Given my consistent record of timely payments, it's disheartening to think that this isolated incident could impact my credit report for the next decade. I'm kindly requesting a thorough review of this matter. Please advise on any further steps necessary.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I mailed a ceritified letter which I have attached toTransunion to request the proper verification for the below accountsTransunion claimed to have investigated. Instead of sending me what the requested/ required documentation Transunion sent out a letter explaining the dispute process. This is a stall tactic rather than doing what is constitutionally right. Is Transunion saying that they supersede civil and Federal law and are unwilling to provide me the conducted your investigation and provide me with the method of verification for the accounts mentioned in the attached letter that was sent certified to Transunion.
Consumer complaint received 2016-02-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (SC)

After a year of having my mortgage with Ditech, it was sold to another service provider for a period of only two months and then Ditech bought the mortgage back in XXXX of XXXX. My first payment due date was XXXX XXXX, XXXX. I mailed my payment on XXXX/XXXX/XXXX and Ditech received the payment and the check cleared my bank on XXXX/XXXX/XXXX. The last week of XXXX I received a call stating that my payment was late. After speaking to a representative ( XXXX in XXXX XXXX ), she noted that Ditech did in fact receive the payment, but it was not applied to my account for an unknown reason. She then advised me that when my XXXX statement arrived showing the past due amount, that I should only pay one payment and that she would insure that my XXXX payment was credited to my account. On XXXX XXXX, I received a voicemail from XXXX again, stating that the XXXX payment was indeed past due and I should contact Ditech. When I called ( speaking to another representative ), I was told that the check that cleared my bank on XXXX/XXXX/XXXX had been refunded to me on XXXX/XXXX/XXXX. When I asked why, I was told she was n't sure. As of the date of this letter XXXX/XXXX/XXXX, I have not received any check. To make matters worse, I was told that in order to keep my account in good standing, I was to make the XXXX payment again or risk becoming delinquent. I did so by phone and have a confirmation number for that payment. Against my better judgement, I did this to protect my wife 's and my good credit. My XXXX payment was due on XXXX/XXXX/XXXX and again, against my better judgement, I mailed this payment by check on XXXX/XXXX/XXXX, in fear that the payment from XXXX/XXXX/XXXX would not be credited to my account. As I business owner, I understand that accounting errors can occur, but every time I have contacted this company, I have not received a straight answer where my first XXXX payment is. The answers have been from 4 different representatives : 1 ) It will be credited to your account, 2 ) It was refunded by check on XXXX XXXX, 3 ) It was electronically transferred back to your account, 4 ) We do n't see a payment from you on XXXX/XXXX/XXXX. None of these items have occurred. I have copies of the cancelled check and it was deposited into Ditech 's account. Today, I went to my mortgage loan originator for his help. We jointly spent one hour on the phone with 4 different Ditech representatives and got different answers from each one. No solution was presented by any representative. We were sent to a voicemail of the 3rd supervisor of the day and never received a call back. This company has violated the terms of the mortgage agreement, while I have complied. This entire issue is an internal Ditech issue, but has quickly become my issue.
Consumer complaint received 2015-09-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (GA)

Dispute letter along with original documents from the Creditor was mailed in regarding the incorrect balance of XXXX. I do not owe the amount shown on my credit report. I also attached a letter explain the breakdown of the incorrect amount. The credit bureau has failed to insert a proper investigation for the item. The reporting agency only went by what the creditor responded. The documents clearly states the balance is incorrect. 
Attached in the packet was the original agreement, copy of payment summaries as well
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Transform Credit Inc. (CA)

I have an identity theft issue and have been reporting this to the credit Agancys for about a year now. While reviewing my credit report I noticed a recent pay loan for XXXX on my file with a XXXX recent payment as of XX/XX/XXXX. I have not applied for any loans this is fraudulent. 
I have now had to close my bank, checking, and credit with My Bank. 
This is a copy of it from my credit report. 

XXXX XXXX XXXX Balance details 3 % paid off Balance {$350.00} Balance updated XX/XX/2023 Original balance {$360.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/2023 Account type Unsecured Payment summary 2023 XXXX  XXXX XXXX Status Open/Never late. 
Status updated XX/XX/2023 Original balance $ 368 Monthly payment {$12.00} Last payment date XX/XX/2023 Contact info Address XXXX XXXX XXXX XXXX FL XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX PERSONAL STATEMENTS XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS XXXX BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. 
Personal loans
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a complaint last XX/XX/2023 but it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2016-02-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (OH)

Original stated source of Debt : XXXX XXXX XXXX in XXXX Ohio National Credit Systems has failed to provide any information that a debt is owed. NCS has XXXX debts XXXX for {$500.00} and the other for {$100.00} totaling {$600.00}. Neither amount reflects any amount owed orobligated to The Chesterfield by me. The only factual information is that I did live at XXXX XXXX XXXX in XXXX to which they advise is the original source of the debt. I do not and did not owe XXXX XXXX any monies for any reason when I moved. They failed to provide upon request any factual basis for the claimed debt owed. They continue to report to the Credit bureau false information about the debt being owed.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My mortgage was purchased by XXXX XXXXXXXX at the end of XXXX. In XX/XX/XXXX I was informed that I was late on my mortgage payments, I had automated payments set up and didn't understand how this could be. I spoke with XXXX XXXX to understand the issue, and they let me know that my payment had increased in the short time I had been with them. I informed XXXX XXXXl that I was not made aware of this change and would have adjusted my payments if I had. XXXX said that I would be able to see this from my portal. I let XXXX XXXX know that I never could get access into the portal and XXXX XXXX said that this is an issue others were having in my situation, XXXX XXXX XXXX 's customers that were now XXXX XXXX customers. We eventually got portal access and then attempted to get setup with automated recurring payments through XXXX XXXX now to avoid issues with payments increasing in the future. In XX/XX/XXXX I reached out to XXXX XXXX to get the credit deletion letter since my credit has been effected by XXXX XXXX  errors. I also reached out directly to Trans Union to file a dispute to repair my credit. XXXX XXXX denied my dispute. I have since setup recurring payments multiple times in the last several months, however it wouldn't stick even though I have emails confirming the recurring payments had been set. I have more late fees because of the recurring payments failing and have had multiple calls with XXXX XXXX to get this late fee wave that is causing me to show delinquency in my payments continuing, which continues to affect my credit negatively. I have had at least 2-3 calls on average to XXXX XXXX each month this year. I have spoken to XXXX XXXX supervisors ( XXXX, XXXX, and XXXX ) requiring that I get a call/voicemail within a week of our conversations to confirm that payment is received, I have never gotten a call/voicemail back. After talking with each XXXX XXXX Supervisor I never hear back from the same person again. I had my most recent call on XX/XX/XXXX and demanded that I speak with a XXXX XXXX employee that is above the Supervisors I have spoken with, XXXX is the XXXX that was not available to take my call and would call me back within XXXX hours of the XXXX PST call. I need all late charges waves, the recurring payments through XXXX XXXX to stick, and for my credit to be repaired. This has frozen my HELOC with XXXX Fed and caused me to spend hours during work hours. The current issue with XXXX XXXX is task # XXXX.
Consumer complaint received 2016-02-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kirkland Asset Management LLC (CO)

I have been getting phone calls from people who say they are from Kirkland Financial asking for some one I 've never heard of for over 2 years, ( the amount of time I have owned my phone ). They sometimes call me as often as 2 or 3 times per day. I have told them repeatedly they have the wrong number and to stop calling me. I have asked to speak to a supervisor and told them of their misguided actions and they were rude beyond rude and hung up on me. I have even threatened legal action if they do n't stop. Nothing stops them. What can I do?
Consumer complaint received 2023-08-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (IL)

I never had XXXX in my 25 years of living nor did I put any comed bills in my name. I sent a letter out to the company for verification but never received a response. This violates the fair credit act XXXX XXXX XXXX XX/XX/2022 {$410.00} SOUTHWEST CREDIT SYSTE XX/XX/2022 {$480.00}
Consumer complaint received 2023-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (SC)

See attached file that demonstrates 1. I canceled a check 2. Have confirmation of cancellation via FNB 3. the bank FNB did NOT cancel the check. 4. Payment went through to the company who failed to do the job properly, job supervisor NEVER called me or emailed me back 5. FNB said it was my error that they could not stop the check 6. You can see FNB lied as there was no error in my documents-not the check amount or check number 7. So, FNB wont refund me and the company that did the business is a nightmare and I never want them in my house again. 8 FNB is an insured bank and guarantees services to their clients -- FNB betrayed me. 
CFPB and the FDIC ought to ensure that Banks honor policy. If they had pulled the check I would not have had to deal with the nightmare of the company never responding, because they took the money and ran. 

It is time for FDIC and CFPB to insist that banks honor their policies. Otherwise the very reason that the CFPB was created will occur AGAIN, there will be bank failures, and that was the reason CFPB was created to be a watchdog, resolve, prevent a second bank crisis... 

For the XXXX XXXX XXXX  ensure I get justice as it will also ensure those banks betraying people become afraid and do not continue to violate policy designed to protect
Consumer complaint received 2023-08-25
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I recieved a credit card with a {$600.00} credit limit through the mail early XXXX. A week later I noticed in my credit report that I had a balance of {$29.00} dollars. I called the company ( Kohls ) and stated that I have never opened an account there, nor do I shop at any of their stores. Apparently the account was opened in a mall in Connecticut. I told them that I dont live in Connecticut and never visited that state. The bill statement they sent out shows my middle name and last name. I never use my middle name to open credit accounts. The CC shows my middle name and last name as well.
Consumer complaint received 2023-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (DC)

On XXXX reviewed my accounts in my Citibank app. Noticed my Citi Thank You card was cancelled. Called they closed due to 12 months inactivity and XXXX balance ( supposedly in their XXXX XXXX XXXX ). Called to reinstate had to reopen new account and confirm info even though I have other Citi cards and have banked with them for consumer and business banking. Thirty years a consumer client and a business client since XXXX. So now a hard inquiry will decrease my credit score and I am inconvenienced because a card was closed without reaching out. Have spoke to over a dozen people at Citibank. Does this classify for a class action suit. Have an 800+ excellent credit score and 30 year history with the bank in excellent standing. 

Now they will negatively impact my credit score and cause huge inconvenience!
Consumer complaint received 2016-04-01
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (DC)

All of my CITI bank credit cards were closed without my permission. I was provided a letter which did not provide a specific reason nor did it provide a telephone number for me to call and obtain a specific reason. This is a violation of federal law ( Equal Credit Opportunity Act ( ECOA ), as implemented by Regulation B, and the Fair Credit Reporting Act ( FCRA ) ) I was not refunded the annual fees on any of my accounts, even though I just paid some of them. I paid every bill on time and did not engage in any illegal behavior or any behavior that violated the terms and conditions. CITIbanks actions are theft, breech of contract, violation of federal law, and possibly discrimination.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I was a victim of identity theft, my id was stolen and used to get loans and credit. I filed the correct paperwork and sent to the credit agencies. The disputes have not been filed correctly and I have not gotten copies of the verification process. All these things are a violation of the FCRA. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (CA)

I noticed this fraudulent account on my record, I have never had a car loan until recent. I just recently got my driver license. I am a victim of identity theft I noticed this account back XX/XX/2022 and than I contacted the police for help and they stated I need to dispute with the bureaus and I have but they aint any help. 

This is hindering my consumer report. My next step is going through litigation I truly dont wont to sue but at this point this is the only way they will listen.
Consumer complaint received 2023-08-25
Product: Credit reporting 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. (MD)

These unknown hard inquiries were placed on my credit reports : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

There is information that on my consumer report that is a result of identity theft. 
I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. 
Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Financial Corporation of America (CA)

XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint against Financial Corporation of America Dear Sir/Madam , I am writing to formally file a complaint against Financial Corporation of America for unfair billing practices. 

Account Information : - Account Number : XXXX - Type of Account : Credit Incident Details : I received your notice dated XXXX XXXX, stating that I owe a debt amounting to {$1300.00}. I believe this debt is in error, and I have no knowledge or record of owing this debt to the original creditor, XXXX XXXX XXXX. I request that you provide me with a validation of this debt, including the amount and details about the creditor. 

I have also consulted with my attending XXXX, XXXX She, regarding this matter. XXXX She has confirmed that there is no such charge required for the service and that she will not be charging any additional fees. Her statement contradicts the bill I have received, further questioning its legitimacy. 

Resolution Sought : I kindly request your assistance in removing this unauthorized bill from my account as soon as possible. 


Attached Documents : I have attached to support my complaint. 

I kindly request your immediate attention to this matter and look forward to your prompt response. Failure to adequately resolve this issue will leave me with no choice but to pursue further legal action. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (TN)

I had 2 accounts with wells fargo for years and over the years they drew down my account for fees and didn't pay any interest despite telling me when I created these accounts they would be interest bearing.