davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-21
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)

I was involved in equifax security breach of XXXX. My equifax credit report has not updated since XXXX of XXXX. When I pull my credit report online I have history all the way up to XXXX of XXXX. Starting in XX/XX/XXXX until current date, all of my report information is showing to be cleared and lost. I have no report information, several lenders I have used have not been able to find my equifax credit report and its affecting me financially. I would like Equifax to correct their problem and update my report to reflect my current credit information. I have made several attempts to email Equifax customer service on this matter as well as several phone calls. They try to assure me that there are no issues when I can login to their website and all reports after XX/XX/XXXX show absolutely no information at all. Please help
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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

A recurring charge 0f XXXX keeps showing up on my account from a fraudster company " XXXX XXXX ''. I have NEVER ordered anything from them nor have I ever received anything from them. My credit card # has been changed 4 or 5 times this year so as cause much consternation! Citi Visa CostCo card has done nothing about this ongoing fraud other than to give me and the fraudsters my new card Number.
Consumer complaint received 2017-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANCO POPULAR DE PUERTO RICO (FL)

I filed a CFPB complaint ( XXXX ) to Banco Popular for charging me an annual fee and not letting me use the card, and now they closed my account without ANY COMMUNICATION. They stated they suspect identity theft but it 's me all along, this is absolutely insane. If they want to verify my identity all they have to do is contact me but they never did.
Consumer complaint received 2021-02-02
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. (GA)

I have an XXXX card issued by XXXX XXXX XXXX XXXX I never had any late payments on and even had autopay and scheduled payments enabled. I tried to call them multiple times because out of nowhere they had a glitch, closed my account and reported a false charge off on my credit reports ( XXXX, XXXX and Equifax, I checked my reports this morning ). Their customer service isnt even working right now either and my FICO score dropped by 13 points as a result and Im very angry and frustrated. Sending this in case XXXX does not fix this glitch. It has affected my account and damaged my credit. Lots of others have been affected as well.
Consumer complaint received 2018-03-06
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: CORELOGIC INC (NC)

XX/XX/XXXX I attempted to call XXXX ( XXXX ) XXXX-XXXX and recording said this number was no longer in service or disconnected. The address is XXXX, XXXX XXXX, CA XXXX XX/XX/XXXX is the date the inquiry was made. 


XXXX XXXX XXXX
Consumer complaint received 2017-11-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Green Trust Cash, LLC (NJ)

I received funds in my credit union account for a loan I did not apply for. I did not notice the funds until a payment came out of my account. I offered to pay the loan back in full for the principal, however I need to pay interest at a crazy rate to pay the loan back. 

I do not believe anything was signed for and if it was electronically, it was not with my knowledge. 

I would like to return the funds and have all of my information removed from the system. 

I already have placed holds on my bank as well as my credit report and working on locating who applied for a loan in my name, however I believe my information was sold from another website, which is also being looked into.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

{ 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 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 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 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 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  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Consumer complaint received 2021-02-21
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 (GA)

I filed a claim XXXX for {$310.00}. This claim was promised by manager XXXX on XX/XX/2021 to be returned to my account but it has not happened. This transaction is causing me a hardship as the funds had me in a negative balance status. I requested that the call be pulled and the promise for that final credit to be credited to my account.
Consumer complaint received 2017-11-03
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: Commonwealth Financial Systems, Inc. (TX)

Common wealth financial @ XXXX XXXX XXXX XXXX XXXX, PA XXXX, phone number ( XXXX ) XXXX. 
has called me several times and hangs up on me when I ask them to send me a copy of the contract signed where the account belongs to me, and they refuse to send it to me and to remove the negative file even though I have requested a dispute from XXXX, they consistently and illegally Harrass me on my cell phone and try to collect a debt that does not believe my to me. Please contact me for any questions. 

XXXX XXXX XXXX
Consumer complaint received 2024-01-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reaching out to the creditors regarding the validity of the debts associated with these accounts, I received no response or verification. As I scrutinize my credit report, I observe that these accounts are incorrectly being reported as late payment accounts. I hereby demand that you provide proof of the late payments on these accounts or, in the absence of such evidence, delete the negative payment status and remove the associated late date markings. I want to emphasize that XXXX has already complied with this request, recognizing the discrepancies and taking corrective action. It is perplexing and concerning that your credit bureau seems to be neglecting my status as a victim in this situation, and I can not comprehend why you are not complying with the law when other bureaus have followed suit. I am writing to formally dispute and demand the immediate correction of inaccuracies on my credit report pertaining to the following accounts : XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX This is not a mere request ; it is a direct and forceful demand for the immediate correction of the errors on my credit report.
Consumer complaint received 2020-08-25
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. (SC)

Collection Agency keeps reporting a 6 year old debt as a new delinquency. The Date of First delinquency is XX/XX/XXXX. It has been investigated, corrected and then shows up again as a new debt. 

Collection account is below : Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$7300.00} Amount {$7300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Classification BANKING Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-03-07
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: EQUIFAX, INC. (NY)

this account belong to someone else it was removed from my credit before and it appeared back on it please have this account removed from my credit and not put back on it because it's causing me a great deal of stress. 

XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$1000.00} Balance Updated - Credit Limit - Past Due Amount {$1000.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Ownership Individual Original Creditor XXXX XXXX. 
Company Sold-to - Original Amount {$1000.00}
Consumer complaint received 2017-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (IL)

Equifax recently neglected to care for it 's data properly and thus exposed millions of people to identity theft. I should n't need to detail this, everyone in America knows that Equifax did not take the proper steps to secure it 's information. As such my information is now available on the internet despite me never agreeing to share any information with Equifax in the first place.
Consumer complaint received 2018-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (IL)

We are currently with PNC mortgage. In XX/XX/XXXX I was forced to switch jobs and took a XXXX decrease in pay due to my previous position being eliminated. We attempted to refi in XX/XX/XXXX. PNC explained to us that because we were in good standing, we did not qualify for any refi programs that help lower our payment ( we were in " too good '' standing ). We asked how to get involved in any special programs for refi and they stated that we would have to miss 3 consecutive payments in order to qualify. I didn't understand why we would have to fault in order to get a lower rate? 

By XX/XX/XXXX, I was struggling with paying the mortgage. My wife and I decided to finally follow the direction of PNC and we stopped paying the mortgage. In XX/XX/XXXX, I contacted a complaint line and explained my situation with PNC. They stated that " they would never say that '' and that " they would never tell anyone to miss payments ''. I was absolutely floored. I was angry that I used this as a last resort and that I have NEVER missed a payment in the 12 years that I have been with PNC. They logged the complaint and called a few days later and said " sorry, nothing we can do ''. I made the XX/XX/XXXX payment immediately. on XX/XX/XXXX, went online to pay my entire missed months of mortgage so that I could leave PNC and I was unable to pay and they stated that I could no longer deal with them. A few days later, I received an attorney letter with all past due months and an additional {$800.00} fee for the letter being sent to us. I quickly explained the situation to the PNC attorney and that I was trying to pay online but they wouldn't listen. I paid the entire balance in full ( because we were told to withhold the payments by PNC ). We then reached out to PNC in XX/XX/XXXX to get back to refinance the house and they stated that because we have missed any payments, we are no longer able to refi the home. We are now stuck in a mortgage that is almost 2 points higher than any other mortgage out there.

PNC was deceptive in their offers and how to circumvent the system and then denied any wrongdoing and penalized my family for doing what they said. You can look over my payment and credit history prior to intentionally missing those payments. Absolutely perfect payment history prior to this issue.
Consumer complaint received 2017-11-03
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. (CA)

About 2 Fridays ago I was wrongfully " Denied '' a loan because of some type of negative credit entry on my " Experian '' credit report. I immediately contacted " Experian '' and they promised me to immediately mail me my FREE copy of my " Experian '' credit report. As of this writing ( 2 weeks later ) I still have NOT received my " Experian '' credit report in the U.S. mail as " Experian '' promised me 2 weeks ago!!!
Consumer complaint received 2017-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Hi, I 'm XXXX XXXX XXXX that reside at XXXX XXXX XXXX TX, XXXX I 'll written several letters to Experian regarding inaccurate accounts on my report and to update my profile, which removing inaccurate information on my report. Such as. addresses, Names, phone numbers and social security number. I 'll call and sent out certified letters. This company has done nothing on my behalf. Since XXXX of XXXX, XXXX XXXX, & XXXX XXXX Sincerely XXXX XXXX XXXX Birth XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX TX, XXXX
Consumer complaint received 2021-02-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Chime Financial Inc (CO)

I was traveling through to a natural disaster. My check card went missing but because I had access to a credit builder account I was simply transferring money as needed to my credit builder prepaid account and suspended transactions for my other account until I could get back home and safely retrieve my mail. In the middle of the natural disaster when I needed access to my money the most with full knowledge that my government benefits are deposited onto the card this provider close the card without any notice penalizing me because someone took my check card. I had already called in and emailed SUPPORT there was no reason to close the account and leave me with no way to get government benefits necessary to survive a natural disaster
Consumer complaint received 2021-02-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as to assume it has to be. I have not been able to get help from them for months but i just remembered I could file a report on here as i feel they are not doing their job properly and it is effecting me a great deal as i used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2018-03-06
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. (CO)

I contacted Equifax on XX/XX/2017 @ XXXX pm mst, to let them know I had some fraudulent inquiries on my report. The rep refused to investigate and told me Ihad to  contact each agency myself. I told her it was fraud and she refused. It is my right to have inaccurate information removed. Equifax is reporting incorrectly so it is not my job to contact each creditor, it is Equifax since the are the ones with agreements with these companies.
Consumer complaint received 2018-03-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (NM)

In the beginning of XX/XX/XXXX I received a letter from XXXX XXXX, a debt collection company for three separate medical debts originating from XXXX XXXX XXXX. The letter sent to me, by XXXX XXXX was dated XX/XX/XXXX. To my knowledge these accounts had previously been resolved by insurance with XXXX XXXX XXXX, if they were not covered by insurance I never received a phone call or a letter indicating that I had an outstanding balance. This is the first Ive heard of these debts that are supposedly from the years XX/XX/XXXX and XX/XX/XXXX. When I contacted the XXXX XXXX  they stated that they received these debts on XX/XX/XXXX and I had 30-45 days to set up resolution with them before they reported the debts to the credit reporting agencies. Mid XX/XX/XXXX I sent XXXX XXXXCarpio Partners LLC a debt validation letter, to which they state they never received. After contacting them twice to see if they have received the letter, which they had not I decided to set up resolution. I will be closing on a mortgage in the beginning of XX/XX/XXXX and can not afford to lose my home to an unverified debt being placed on my credit report. After being assured this debt has not been sent to the credit reporting agencies yet but will be any day now, I paid XXXX XXXX a down payment of {$850.00} today XX/XX/XXXX, and set up a {$25.00} a month payment plan in fear of this debt being placed on my credit report. Paying the {$850.00} has put me in a hardship with my other bills, all while not knowing if this was a valid debt or not.
Consumer complaint received 2017-11-02
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (TX)

On XXXX XXXX, XXXX, I made a payment to Walmarts automated system because I was unable to make a payment as usual because their website was down. I also tried contact a representative to assist me because I have had problems in the past but he referred me back to the automated system. The following week I received a letter stating that my payment way no received because of an error with my account. However, Walmart had waved my XXXX payment because of Hurricane Harvey so he told me it was okay! Nonetheless, Walmart sent me another letter yesterday XXXX XXXX, XXXX stating that they closed my account and reported it on my credit report! I immediately contacted them and spoke with several agents and supervisor. They all told me that they could not reopen my account. So I called my bank to try to find out what happen. Finally, I was able to figure out what happened! The automated system and the website has two different account numbers. The automated system has an account number that was closed three years ago! In the past, I had a problem with this situation and Walmart was suppose clear out all the old accounts but never did! I told them what happened and they still refuse to reopen my account! This is unfair credit practices! Please help!
Consumer complaint received 2018-03-06
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hewitt-Capital (CA)

Received a call for the first time on XX/XX/17 from XXXX. The collector left a voice-mail. I returned the phone call immediately and paid {$150.00} over the phone. 

I have asked many times for written documentation and they have provided the attached on company letterhead via email. Each time I have spoken to the collector " XXXX '' the amount changes and she has told me the amount on the letter is incorrect due to a glitch in their system. Today, she stated that they did not send the attached emails to me because she could not find them. 

At no time did the collection agency send a written notice clearly stating my right to dispute. I am filing this complaint as the company uses : Deceptive practices to collect. 
Misrepresentation of the amount owed. 
809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.