davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-03
Product: Credit card or prepaid card — Store credit 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. (NJ)

OnXX/XX/XXXX,  Home Depot in XXXX NY charged me XXXX as part of order XXXX for tile and materials for a special order. address is XXXX XXXX XXXX XXXX NY XXXX and phone number is XXXX XXXX
email address for manager is XXXX XXXX 

Due to the ineptness and disorganization of the project (we started planning the project inXX/XX/XXXX and as of last week they were unable to get a proper measurement and define the materials for the project after 5 weeks), we decided to not move forward with order XXXX. We have received no materials or services from Home Depot for this work order. I have been corresponding with XXXX XXXX for the last week and we have spoken to numerous folks in the store and they were very rude to my wife and told her they would not help her and XXXX and his team at the XXXX store is unwilling to reimburse the charge from our Home Depot account.

We spoke to XXXX from Citi Financing tonight and have disputed the charge and we will also speak to the Better Business Bureau and an attorney in the XXXX.

Please reimburse the XXXX this is very simple and should be very simple for XXXX or someone at the store to reimburse the charges but they are unwilling to do this and again have been very rude to us.

I will guarantee you that we will never shop at Home Depot again and once we get reimbursed we will close our account.
Consumer complaint received 2017-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have Inquiries on my credit file that I have not sign or agreed on promotional inquires and regular inquires. 

Wrong information I have Inquiries Such as promotional Inquiries and other Inquires on my credit file with out my permission and wrong information.
Consumer complaint received 2017-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (TX)

Hi, At the beginning of XXXX my XXXX XXXX XXXX bank, where all of my savings are held, was compromised. As a security precaution, XXXX XXXX, froze my funds and created all new bank accounts. This process started XXXX XXXX and my funds were released XXXX XXXX. 

During this time, my American Express account came due on XXXX XXXX, but because my funds were frozen I was unable to pay. As soon as my funds were unfrozen I paid my account in full on XXXX XXXX. 

Because of this two day delay, American Express charged me interest of {$220.00}, XXXX on XXXX XXXX and XXXX on XXXX XXXX. When I contacted American Express in XXXX XXXX to explain the situation along with mentioning that I 've always paid my bill in full since opening the account in XXXX, American Express stated they could n't refund my interest charges. 

I 'm writing to the CFPB in an attempt to get these charges reverse, understanding that if I had access to my funds I would have paid the amount in full. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK (IN)

Served lawsuit papers where I was being sued by discover bank and their law firm. I was not contacted prior to this action nor was I provided a court date so that I could appear in person and defend myself. Judge granted default judgment because I was unaware of the court date to make an appearance. 

I contacted the law firm representing discover and requested a payment plan to settle this debt but they would only agree to a very large monthly payment that I can not afford. I emailed requesting to negotiate the terms but never received a response and they are now requesting discovery of my assets and employment information in court.
Consumer complaint received 2017-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CO)

My Equifax report has gone unchanged for at least two years ( I  had not regularly checked it prior to this ) although the other two credit agencies show multiple changes over the same time frame. Equifax does not reflect current accounts and shows a lien of {$2600.00} that is not mine. It looks like the lien is a California court case filed in XXXX but I did not reside or work there for several years prior to this and know nothing more about this account. When it pulls up my account it does not show my current name but a name I have not had in 22 years. I attempted to dispute the information online but every verification question is incorrect - none of them apply to me. It also shows that I lived in XXXX California which I have not ever lived there. It references names that are not mine as well. I spoke with an Equifax customer service representative and, as per request, faxed copies of my drivers license and social security card and a detailed letter with all specifics listed on XXXX XXXX, XXXX. Equifax added a couple of new accounts since then but none of the incorrect information was removed as of XXXX XXXX, XXXX. Wrong open accounts, wrong court lien, wrong personal information and address history - I need this rectified.
Consumer complaint received 2017-11-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CO)

Hello, On separate occasions, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, I was charged a {$35.00} overdraft fee. However, Wells Fargo states that I can avoid fees by placing a deposit the same day. The issue is, I cant see the deposit till the following day. There is no transparency to see what is pending for checks or card purchases. As of XXXX MST last night XX/XX/XXXX the cut off time set by Wells Fargo, my account was in the black but at XXXX XXXX XX/XX/XXXX there was a negative balance. The same thing happened on XX/XX/XXXX & XX/XX/XXXX. I deposited money the same day on XX/XX/XXXX & XX/XX/XXXX as soon as the checks hit but was charged with overdraft fees. The issue is Wells Fargo is not showing the checks pending the day before & allowing me time to place money in my account per their rules!
Consumer complaint received 2017-11-05
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: General Motors Financial Company, Inc. (NC)

On XXXX XXXX XXXX, the company placed an inquiry on my credit report with XXXX. I have requested documentation from both the company and from XXXX to support their permissible purpose in accessing my credit file. Neither has complied. The company simply sent a letter verifying that it had, in fact, accessed my file on the date mentioned. Pursuant to Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] Paragraph a, Subsection 2 a CRA can only furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. As I have not given specific written consent for this company to access my credit file, this inquiry should have already been removed. The refusal of the company and the CRA to do so puts both in a state of willful non-compliance with the Fair Credit Reporting Act.
Consumer complaint received 2017-11-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I received a notice on my XXXX credit card statement from Capital One was past due, attempting to pay the past due amount I paid {$400.00}. Apparently the past due amount was {$400.00} for which they sent to the credit bureaus my account was delinquent for {$9.00}. No where on my monthly statement does it state the past due amount clearly, it just states the past due amount and next month 's payment. Very deceiving to a customer when they are trying to bring their account current.
Consumer complaint received 2017-11-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (ID)

On XXXX XXXX, I tried to collect {$170.00} from Citicards Reward program. I was unable to collect it with a deposit to my new credit union account because I had changed my bank account info the first week of XXXX. They would only transfer the money to my OLD bank account ( which fortunately had not been closed yet, but could have EASILY been closed. ) In order to collect the money they owed me, they insisted on transferring ONLY to my old account. 

I had already deleted the old bank account from my 2 Citicards accounts ( Citicard XXXX XXXX and XXXX XXXX XXXX ). Then I entered my new credit union account. All was well on the payment side, but NOT on the Rewards side. The bank changes did not transfer there, and ONLY my old bank account remained ( although I had already deleted it. ) When I added my new credit union info I asked when I could put the Reward dollars into my new account? They said after one payment cycle. After the payments for both accounts had successfully cleared my new credit union account in the first week of XXXX, I asked for them to deposit my Reward dollars in my new credit union account. They said NO, and that it may take 2-3 payment cycles before that could happen.
I do n't understand why they could n't do this, based on the fact that my payments cleared on both cards. It is like they can take my money from the new account, but are hesitant to allow my Rewards ( which I have already earned ) to go there. Why? My account had been " verified '', and there should be no reason to deny me this.
I asked for a supervisor to push it through, since I was leaving on a month long trip soon. She refused. In order to get the money, I had to deposit it to my OLD account, and then write a check off that account, and drive to my Credit Union to deposit it. It makes NO sense to me that I should have to go through all this after my new account had been verified. Very poor customer service, and for no logical reason, in my opinion.
Consumer complaint received 2017-11-06
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. (CA)

From XXXX - XXXX, I have CONTINUOUSLY BEEN A VICTIM OF IDENTITY THEFT I have reported this to all three Credit bureaus on a number of occasions Equifax XXXX XXXX To date I still have 4 Fraudulent accounts listed on my credit report 1 ) XXXX XXXX 2 ) XXXX XXXX 2 accounts 3 ) XXXX XXXX XXXX In addition, these account and other fraudulent accounts or attempted accounts have created Fraudulent Inquiries which also MUST BE REMOVED 1 ) XXXX XXXX XXXX 2 ) XXXX. ( 2 Inquiries ) 3 ) XXXX XXXX ( 2 Inquiries ) 4 ) XXXX 5 ) XXXX. ( 2 Inquiries ) 6 ) XXXX XXXX 7 ) XXXX. ( 2 Inquiries ) 8 ) XXXX XXXX 9 ) XXXX 10 ) XXXX XXXX 11 ) XXXX XXXX 12 ) XXXX XXXX 13 ) XXXX XXXX  14 ) XXXX XXXX 15 ) XXXX XXXX 16 ) XXXX XXXX 17 ) XXXX XXXX 18 ) XXXX XXXX XXXX 19 ) XXXX XXXX 20 ) XXXX 21 ) XXXX XXXX 22 ) XXXX XXXX XXXX XXXX 23 ) XXXX XXXX 24 ) XXXX XXXX. 2 Inquiries ) 25 ) XXXX  XXXX 26 ) XXXX XXXX These fraudulent accounts and inquires are Incorrect and Misleading and by federal law MUST be removed from my credit report immediately
Consumer complaint received 2017-11-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

On XXXX/XXXX/17, I received and alert that a new credit agency reported. I looked and it was Portfolio Recovery. Per FCRA guidelines they are to contact me prior to reporting this alleged debt. They have NOT. This has tainted my good credit history and my name.
Consumer complaint received 2017-11-06
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: EQUIFAX, INC. (NC)

I have been trying to clear errors on my credit report starting XXXX XXXX until now. Recently Equifax inadvertently changed my address to reflect XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX I had in the past months sent them a copy of my ID and my utility bill but they changed it to reflect something incorrect. Secondly, there were several items removed off my credit report in the past months, On XXXX XXXX, XXXX the items were not listed on my credit report, on XXXX XXXX XXXX I refreshed my credit report and they had readied the errors back on my credit report without sending the reinsert letter which is a clear violation of the FCRA, FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. 
*Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. 

Here are the accounts added on my credit report without sending the reinsert letter XXXX XXXX XXXX XXXX XXXX {$5700.00} XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX - {$45.00} XXXX XXXX XXXX XXXX - {$840.00} XXXX XXXX XXXX - {$78.00} XXXX XXXX {$54.00}
Consumer complaint received 2019-05-02
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. (TX)

This account is showing late. I requested a deferred payment on this account. The deferred payment history is showing late but I was greement the defer payment. I Am requesting the someone investigate this information thoroughly. If the deferred payment was green it there should not be a late payment all my account. I am requesting that this information be removed from my credit report. All 3 career reports is reflect in something different.
Consumer complaint received 2017-11-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I am meticulous about paying bills on time, and in mid XXXX of XXXX I sent off a check for the rough principal balance remaining on my account plus an extra amount for what I expected the accumulated interest to be, a total of {$1700.00}. My intention was to slightly overpay, and I assumed they would then send me some sort of document detailing the fees to pay off, recording, reconveyance, whatever. They received this payment XXXX, well before the due date of XXXXXXXXXXXX. Inexplicably, they returned the UNCASHED check to me by overnight mail, with a cryptic note saying only that I sent the wrong amount, and should send replacement funds-but no indication of what the correct amount was. I immediately called account services and was told that someone " assumed " I was trying to pay it off, so sent my check back to me. Disgusted, I asked the customer service person what the payoff figure with all fees would be, was told It was {$1800.00}, which I immediately sent and which they cashed on or before XXXX-I do not yet know the precise date but the automated account information indicates the account is paid in full and closed as of XXXX. The customer service rep, " XXXX '' could not explain why the initial check was sent back to me unprocessed, why they had not attempted to contact me by mail, telephone or email before sending it back, or why they did not include the actual figure they wanted but assured me that this payment would not be considered late. All should have been well, except that today I received a billing indicating that my XXXX payment was past due. I am beyond angry and frustrated, and my greatest concern is that this was or will be reported as a more than 30 day past due mortgage account, due no fault of my own. I have not uploaded any document, but certainly have the first and second letters from Bank of America.
Consumer complaint received 2018-01-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (GA)

I have sent letter to the organization as well as the credit bureaus without validation of debt. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
Equifax failed to respond in 30 days and they updated my bal to XXXX for the XXXX XXXX account with was cleared in XX/XX/XXXX vs deleting the account. 
I have not been successful at getting XXXX XXXX to respond to any of the letters I have sent since XX/XX/XXXX.
Consumer complaint received 2017-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On all the 3 credit bureau reports I can find unrecognized hard inquiries, accounts, and addresses. All the below mentioned accounts does n't belongs to me, either it 's an identity mismatch or a fraud. I have dealt with the bureaus many times but still no conclusion and every now and then I can find a new entry on the report without my consent. All this is impacting my credit score and making me worried about something suspicious. 

Accounts : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Similarly, there are many hard inquiries which do n't belong to me. I need your urgent help, as I am dragging this issue from last 8-9 months and still the bureau investigation is not of good use to me.
Consumer complaint received 2017-11-05
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. (IL)

Equifax is reporting two inquires from XXXX XXXX XXXX XXXXXXXX XXXX on my credit report. One inquiry was made on XXXX XXXX, XXXX and the other was XXXX XXXX, XXXX. I never authorized XXXX XXXX XXXX to pull a hard inquiry. Can you please delete those two inquires from my credit report? It is hurting me.
Consumer complaint received 2024-09-05
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$42000.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2017-11-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

During this default period where I had been out of work and hospitalized I fell behind on my payments. I corresponded with the mortgage company informing them of my hardship. Most recently my employer put in an application for me to medically retire. My intention was to begin making payments until this happened but I couldnt because I was waiting for additional income to go through which is a process and I have been making Home repairs. I explained to my mortgage company this sudden decision forcing me out of work. They have since referred me to an attorney who filed a motion with the court for foreclosure and now Im currently in a modification process. Im in an Underwater Loan for my house. Ive asked that they lower the amount owed on this house and they havent. The house next to me just sold for {$20000.00} and my mortgage company has a balance of {$160000.00} which is owed.XXXX XXXX XXXX also has a lawsuit that was filed against them last year for putting customers into foreclosure and denying them modifications. Ive lived in my house for 39 years, have had setbacks and even sent in my medical documentation in hopes of a foreberance to take my Home out of foreclosure. The law firm that they are using has improperly submitted paperwork listing this lady as a Lein holder when that child support debt to her has been paid XXXX years ago.
Consumer complaint received 2017-11-06
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (OK)

Calling people I know giving out information regarding debt. How much is owed ... last contact XXXX/XXXX/XXXX never verify who I am.. {$1400.00} Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX ph # XXXX XXXX