davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

I HAVE TRIED THRU ALL THREE CREDIT AGENCIES. I HAVE ASKED THEM TO VERIFY PAYMENT STATUS ON THE LOAN. EXPERIAN HAS FAILED TO VERIFY CORRECTLY OR AT ALL. XXXX XXXX AS WELL AND XXXX.XXXX XXXX XXXX  SENT ME A CERTIFIED LETTER TO SHOW PAYMENT STATUS. ALL PAYMENTS WERE PAYMENTS WERE MADE BY THE DUE DATE OF THE 28TH OF THE MONTH OR A FEA DAYS PAST.. THEIR OWN PAPER WORK SHOWS THE DISPUTED DATES ARENT 30DAYS AN THEY ARE REPORTING IT AS SUCH. THEY ARE IN VIOLATION OF THE FCRA AND HAVE BEEN. THEY ARE HARD TO DEAL WITH, THEY HAVE DENIED PAYMENTS TO THE ACCOUNT BECAUSE IT WAS LATE, AND TO GO IN PERSON TO A BRANCH TO GET IT FIXED OR CALL MANY TIMES. THIS COMPANY HAS BLOCKED ME FROM MAKING PAYMENTS, AND JUST TELLS ME THAT CAN REFUSE ANY PAYMENT THEY WISH. THE CAR HAS NEVER NEVER BEEN IN REPO STATUS FOR THIS NOR WAS IT TAKEN. THEY ARE RUDE AND VERY HATEFUL TO DEAL WITH. A XXXX COMPLAINT WAS FILED AS WELL. EXPERIAN AND XXXX   XXXX AND XXXX ALL HAVE REPORTED IN ACCURATE PAYMENT STATUS AND REFUSE TO GET PROOF.PROOF IS NOT A REP SITTING A COMPUTER AND SAYING YES OR NO.
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (GA)

To whom it may concern,From XXXX  XXXX to XXXX XXXX, the credit card company named Comenity Bank/XXXX XXXX  reported to the credit bureaus that I was late on my payments for 30 to 150 days. This information is incorrect because I specifically asked a representative to set up automatic payments on my account to avoid any delinquencies or past due amounts.The representative failed to set up the automatic payments; however, I wasn’t aware that the payments were not automatically coming out of my bank account. In addition, the company never sent out my bills in the mail nor did they attempt to contact me about my account. Therefore, my account should have never been reported as late because the company failed to do their job and inform the customer about any issues.
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX #XXXX was included in my bankruptcy. However they are currently updating and showing a balance and this is negatively effecting my credit. It should not be updating and reporting lates when it was included in the bankruptcy.
Consumer complaint received 2019-08-20
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: WELLS FARGO & COMPANY (TX)

On XX/XX/2018 I had Hard inquires on my credit that I did not authorize and the companies can not show or prove where I gave them permission to run my credit I have talked with all credit bureaus and they all say they can not and will not help or do anythingI am attaching a list of companys that hit my credit some even hit twice in 1 dayI am looking for the prove where I gave them permission to run my credit report
Consumer complaint received 2019-08-21
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I spoke with manger XXXX, AND HE HAS BEEN WORKING WITH ME SINCE I WAS FIRED FROM MY LAST JOB AT XXXX XXXX XXXX XXXX; I WENT TO XXXX office explained to the XXXX manger XXXX, that i got hurt on the job, XXXX XXXX XXXX XXXX XXXX XXXX  while i was under a running XXXX XXXX machine, i reported my accident and was fired by the director while I was still under XXXX XXXX, WHICH I AM STILL UNDER XXXX XXXX PRESENTLY XX/XX/2019, MY PROBLEM IS THEIR N.C OFFICE CALLS AND CONSTANTLY HARASSES ME AFTER I TRY AND TELL THEM I HAVE SPOKE WITH XXXX. I AM NOT ONLY TRYING TO GET A BANK LOAN TO PAY OUT MY DEBTS BUT CAN NOT BECAUSE THEY KEEP REPORTING WHEN I AM TRYING TO PAY BEST I CAN WITH NO JOB!!!!!!!!!!!!
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I tried to dispute the following accounts with reporting agencies and creditor several times without success: The following account are been reported in my Credit Report without me having any knowledge or authorization for these accounts: 1. XXXX XXXX XXXX XXXX: $XXXX Status: Charge Off, Date Opened: XXXX - 2. XXXX XXXX XXXXXXXX XXXX XXXX: $XXXX 3. XXXX XXXX XXXX XXXX XXXX  : $XXXX Status: Charge-Off, Date Opened: XXXX4. XXXX/XXXX | XXXX : Balance: $XXXX Status: ChargeOff, Date Opened: XXXX5. XXXX XXXX | XXXX  Balance: $XXXX Status: Charge-Off, Date Opened: XXXX6. XXXX XXXX/XXXX | XXXX Balance: $XXXXNon of this creditor have reached out to me or send me any type pf communication regarding these charges and resolution steps as required by the Fair Debt Collection Practices Act (FDCPA). The dispute service online on Equifax  has been unavailable for month and the phone costumer service technicians refuse to take the dispute over the phone.
Consumer complaint received 2019-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

Fifth Third continues to deny me access to my credit card account. They claim I have logged on online even though they have my account locked. This is the opposite of customer service. I need to pay my bills and they are not allowing me to do so. This is clearly an attempt to charge me late fees. I have been unable to login since XX/XX/2019 yet they claimed I logged in on the 5th. This is patently and demonstrably false ; I am still locked out of their system.
Consumer complaint received 2019-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

I was on my way to work and I was receiving text messages from Citizens Bank. With the amount of messages that were coming through were making me worry. Upon arriving to work I immediately logged into my Accounts ( 2 checking ) I noticed that one of my accounts had {$1000.00} removed from it. I clicked on it to see how this money was removed if my husband made a large purchase or something. No it was a " XXXX '' transaction. So I went started to call Citizens Bank. Then I clicked on the other account to see {$900.00} be withdraw through " XXXX '' in front of me. I did not know what to do. I did not know who was doing it. I did not know the email it was going to. I clicked on the " XXXX '' app from the Citizens account and Request the {$1000.00} back as I was still on hold and did not know what else to do. The {$900.00} was still pending. When someone from Citizens came on the line I explained the situation, told her that I am being a victim of fraud. I did not authorize this or know this email address. That I did request the {$1000.00} but I do not know how that works but the Citizens system is not allowing me to request the {$900.00} back as it does not show me the account it came out of why. She did not know why and was transferring me to Fraud prevention. They said you can not request the money back we will put in a case. They did not give me a case # or anything. I hung up called my husband. He left work went straight to the bank they advise we close both accounts as they can see the account # online and now can process ACH on our account. So they did that with him. They also called the fraud depot and processed a claim. Which said I did not do. They denied the claim said I was online at the time the transaction was happening I must have been talking to the person. I said I was not I was talking to the Citizens rep. The filled the claim again and denied it again! " XXXX returned the {$1000.00} as they said this email address over exceeded the amount you can request in a day and I requested mine back so they returned the {$1000.00} back but I was not able to request the {$900.00} and Citizens will not help!
Consumer complaint received 2019-08-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (LA)

I have requested proof of the original  obligation and documents  as well as the below I am requesting that XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX   Phone: (XXXX XXXX you provide verification of this debt.   your account nmber ending in XXXX ,XXXX each in the amount of $XXXX and beginning with XXXX  for XXXX  dollars I requested that they Send the following information:The name and address of the original creditor, the account number, and the amount owed.Verification that there is a valid basis for claiming I am required to pay the current amount owed.Details about the age and amount of the debt including a copy of the last billing statement from the original creditor; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest; the date the original creditor claims this debt became delinquent.Whether this debt is within the statute of limitations and how that was determined.Details about your authority to collect this debt: whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. I need more details about what you claim I owe so that I can make an informed decision.Moreover this debt under Louisiana Laws Civil Code CC 3494 — Actions subject to a three-year prescription and not collectable when reported in XX/XX/2019and thus a violation of state and federal law.  The information is not valid and the information reported is a violation of The Fair Debt Collection Practices Act (FDCPA)  the main federal law that governs debt collection practices  see 15 U.S.C. § 1692.I dispute  the information contained in my equifax credit report and XXXX credit report also and request they supply me above requested information   Sincerely,XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-08-19
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. (IL)

Viewed credit file through Transunion in reference to XXXX account showing charged off.  File shows last date reported: XX/XX/19 in the amount of $XXXX.
Consumer complaint received 2019-08-21
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 — Problem with personal statement of dispute
Company: RFNA, LP (SC)

I spoke with manger XXXX, AND HE HAS BEEN WORKING WITH ME SINCE I WAS FIRED FROM MY LAST JOB AT XXXX XXXX XXXX XXXX; I WENT TO XXXX office explained to the XXXX manger XXXX, that i got hurt on the job, XXXX XXXX XXXX XXXX XXXX XXXX while i was under a running XXXX XXXX machine, i reported my accident and was fired by the director while I was still under XXXX XXXX, WHICH I AM STILL UNDER XXXX XXXX PRESENTLY XX/XX/2019, MY PROBLEM IS THEIR N.C OFFICE CALLS AND CONSTANTLY HARASSES ME AFTER I TRY AND TELL THEM I HAVE SPOKE WITH XXXX. I AM NOT ONLY TRYING TO GET A BANK LOAN TO PAY OUT MY DEBTS BUT CAN NOT BECAUSE THEY KEEP REPORTING WHEN I AM TRYING TO PAY BEST I CAN WITH NO JOB!!!!!!!!!!!!
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have incorrect information on my credit file as a result of identity theft:|XXXX||COLLECTIONS- XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX - OPENED XX/XX/XXXX - $XXXX|EQUIFAX|INQUIRIES- XXXX XXXX - XX/XX/XXXX|COLLECTIONS- XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - $XXXX- XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - $XXXX- XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX - OPENED XX/XX/XXXX - $XXXX||XXXX|COLLECTIONS- XXXX XXXX XXXX XXXX - XXXX - $XXXX - XX/XX/XXXX- XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX - OPENED XX/XX/XXXX - $XXXX|- XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - $XXXX- XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX - $XXXX
Consumer complaint received 2019-08-19
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: OPORTUN FINANCIAL CORPORATION (CA)

This debt has been paid to XXXX balance and after 60 days the account is still open with all 3 credit bureaus. The company is reporting false information regarding the debt.
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

by XX/XX/XXXX I request to XXXX XXXX review an inaccuracies in my credit report, I gave 30 days, they answer was need more information my dispute was clear and attach the report multiples inaccuracies, one of them DOLA DIFFERENT BETWEEN THE 3 OF THE BUREAUS.
Consumer complaint received 2019-08-21
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. (TX)

The following inquiries made by these companies were for no legitimate business purpose, there was no evidence to prove of the authorization. please delete this misleading information  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-08-20
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. (VA)

My bank has continued to report payment and balance errors against my mortage account for over a year. They acknowledge their error, correct my report and then report the same error again every two months or so. This has cost me and my husband auto loan interest rates, time and money to continue to pay for credit report copies. Below is a timeline of communications and events between XXXX XXXX XXXX  and me:XX/XX/XXXX - XXXX XXXX XXXX reports delinquency for XX/XX/XXXX in error to credit reporting agenciesXX/XX/XXXX - Emails are exchanged between us, XXXX XXXX and XXXX XXXX at XXXX XXXX XXXX regarding the reporting error. XXXX acknowledges the error and says she will get it corrected.XX/XX/XXXX - We receive notice from TransUnion that the reporting error has been corrected. Our credit reports reflect correctly and show no mortgage delinquency for XX/XX/XXXX.Approx. XX/XX/XXXX - XXXX XXXX XXXX reports delinquency for XX/XX/XXXX in error to credit reporting agencies againXX/XX/XXXX - We speak with XXXX XXXXXXXX  who initiates email conversations to try to resolve the reporting error. XX/XX/XXXX - XXXX XXXX acknowledges the reporting error and says she will correct it. Approx. XX/XX/XXXX - Our credit reports reflect correctly and show no mortgage delinquency for XX/XX/XXXX.XX/XX/XXXX -   XXXX XXXX XXXX reports delinquency for XX/XX/XXXX in error to credit report agencies againXX/XX/XXXX - We email XXXX XXXX XXXX to remove the error from our credit report againXX/XX/XXXX – XXXX XXXX XXXX falsely reports that we owe $XXXX XXXX dollars on our mortgage. XX/XX/XXXX – XXXX XXXX XXXX contacts TranUnion and corrects the $XXXX XXXX  dollar error and the XX/XX/XXXX delinquency error that was incorrectly reported. XX/XX/XXXX – Our credit reports reflect the correct informationXX/XX/XXXX - I spoke to TransUnion and they show a history of disputes and resolutions for the XX/XX/XXXX payment reporting error but confirmed that XXXX XXXX XXXX XXXX reported the same error again for the month of XX/XX/XXXX. XX/XX/XXXX – XXXX XXXX XXXX has reported a 30 payment delinquency again to credit agencies for XX/XX/XXXX in error.
Consumer complaint received 2019-08-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I paid off my auto loan with Capital One in XX/XX/XXXX.  I have not received title.  I have called 7 times and each time they tell me they don't show a lien.  However, I checked with the DMV and this is not true.  I need a title for my car to sell it.
Consumer complaint received 2019-08-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (GA)

I have contacted this company 3 times asking them to verify that I owe this debt according to the FCRA. Not only have they failed to respond in the required time frames, but they also never sent evidence or proof that I own this account. They have stated on my credit reports that I owe a debt of $XXXX, with the original creditor being XXXX. The 1st letter I sent advising that I was disputing that debt upon noticing it on my credit reports dated XX/XX/XXXX, they signed for and received as shown by the mail receipt on XX/XX/XXXX. I never received a response. I sent 2 more letters dated XX/XX/XXXX andXX/XX/XXXX, to which I never received the return receipts nor a response from the company providing verification of this alleged debt. Per FCRA, a dispute is supposed to be investigated and given a response upon 30 days of receiving notice, and they are in direct violation. The creditor also supposed to provide proof or verification of the account providing an original signature or contract showing ownership of the debt owed and they have also failed to do that. I have now received a billing/settlement statement from them dated XX/XX/XXXXXX/XX/XXXX, stating that I owe a debt of $XXXX, and this is also not what is reported on my credit reports. I want this item removed from all 3 bureaus as this debt is unable to be verified and is incorrect. Also, upon review of my XXXX   report, this same debt is showing as a charged off loan instead of a collection. This is very inaccurate since the other 2 reports show this as a collection and shows a serious error with their reporting.
Consumer complaint received 2019-08-20
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: CITIZENS FINANCIAL GROUP, INC. (TX)

On XX/XX/2018 these companys did I hard inquiry on y Credit Report and i did not ask them or give them my permission to do this I have talked with all credit bureaus and they say they will not help or investiagte inquirys I am looking for the companys to provide proof that I gave them permission to run my credit reports
Consumer complaint received 2019-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NJ)

This is the third time that Citi Bank account services has claimed to lose my XXXX transaction after they claimed it should have reflected on my account ledger. Once I called the bank and put up a fuss about it , they told me that it’ll take 2 hours to release the funds. Unfortunately, they requested that I put in a dispute to release my funds. What brought me to this site today was that my bank told me that funds in the amount of $XXXX had “disappeared” and should’ve been in my account. I spoke to 4 different customer service representatives who all gave me a different story on why I didn’t receive funds that I so desperately needed . On one occasion I found where the money was missing and the bank had to do an investigation and replenished the money that “disappeared”. So this is not the first time for losing money that should reflect in the system.I would like to have an investigation into Citi Bank accounts in general. I’m sure I’m not the only person that this is happening  to. The bottom line is that Citi Bank claims that once the deposit disappears (that’s their term) that there needs to be an investigation on why the money disappeared and I have to wait 10 days for a provisional credit for money that belongs to me but clearly visible to the bank on their end. One customer service rep said that, “it’s not released wait 2hrs” , another says,”their not sure why it’s not showing on the account. It looks like it disappeared “, another says that”I have to wait a certain amount of business days “. This is bananas!
Consumer complaint received 2019-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (OH)

XXXX acquired our mortgage and was charging our escrow account PMI even though our closing disclosures and transmittal paperwork showed that we were not supposed to be paying PMI. We received a notice and an escrow analysis showing that our escrow account was in the negative and XXXX was going to raise our mortgage payment by approximately {$400.00}. We contacted XXXX in XX/XX/2019to correct this error. A case was opened to remove PMI and have the escrow account refunded as we were never supposed to be paying PMI. We have been battling with XXXX for months now to correct their error. Their customer service is horrible. They do not follow through with their customers to help resolve issues. We have provided them with our closing disclosures to prove that we should not be charged PMI and also compared them to the documents they have on file. All of these forms support the fact that we should not be charged PMI. It is now XX/XX/2019and there is still no resolution. We have made our payments to them and they are holding the funds without applying them to our loan, which has made our loan appear delinquent. We have called them numerous times and been given the run around. We were assured that this issues would be corrected and it is still unresolved.
Consumer complaint received 2019-08-21
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: MIDFIRST BANK (TX)

I mailed a payment to Midland mortgage XXXX XXXX,  when it didn't clear my account I called and explained I mailed it.  I learned from post office about fraud and mail Theft. Midland assured me if I could provide proof I would not be reported to the bureau.  I sent proof Midland mortgage is now ignoring me and when I call I'm being placed on hold and not helped.  XXXX XXXX falls on a Saturday yet Midland mortgage will not allow payments until XXXX XXXX and I don't want to be reported late because of this