davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-14
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: Experian Information Solutions Inc. (FL)

Good Aftereven, ealier today i pulled my credit report through XXXX and I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. I contacted the credit bureaus regard this. I also call each and every company before filing the identity theft report. I did not authorized none of these accounts and credit inquires. I never did business with such company. I have attached my identity theft report along with mu drivers license to confirm my identity.
Consumer complaint received 2021-05-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I made a payment on my Home Depot credit card on XX/XX/2021, that went to my XX/XX/2021, interest-free promotion. I made an additional payment for {$64.00} and called after it posted to have it allocated specifically to a purchase I made in their store for {$64.00}. After being on hold for over an hour and a half, I got the rudest representative ever, XXXX. XXXX would NOT reallocate the funds as Home Depot has done in many years passed, because the XX/XX/2021 balance still had a balance. To which I explained it's XX/XX/XXXX, and that balance isn't due until XX/XX/2021. This is an extra payment to pay a purchase from accruing interest of 26.99 %. Nope, she wouldn't do it. She wouldn't give me to a supervisor either.
Consumer complaint received 2021-05-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (OK)

On XX/XX/2021 I woke up from working my overnight shift to find a charge in the amount of {$1100.00} had been charged to my netspend ( Ace Flare ) prepaid card. I immediately contacted customer service because I had an unauthorized charge to an XXXX # XXXX in XXXX XXXX, Texas. I filed the dispute as they requested. As I was talking to the representative I received an email stating my card was recently added to XXXXXXXX XXXX ( I own an IPhone ) I was also informed someone tried to access my account from a different number the same day but was unable to verify the information on the account. I explained to the representative I was in Oklahoma. Theres no way I could have made it to Texas and made this purchase for I had just got off from working my overnight  shift and had went to a local florist and purchased flowers for my coworker using my other bank card. I took all the necessary steps such as changing the address, getting new login information for my mobile account and requesting a new card. I had to use my home loan down payment money to pay my rent and other bills until they posted the provisional credit. Just to find out today they are trying to say Im responsible for the charges on my account and after their investigation they found no error in the charge are going to reverse the credit. Wanting me to have the funds available within 5 days. Every representative I have spoke to has tried to push off the resolution time by asking me to wait for 10 days for all these bogus documents validating the charge. I escalated my call to a supervisor named XXXX Manager. She continued to tell me I have to wait for documentation. I continued to ask for another supervisor or someone of power to discuss this issue. She transferred me to an XXXX XXXX who continued to say the same thing. They are trying make me pay for the funds that I did not use. It was fraud and theyve treated me like a criminal and I have not done anything. Im curious on how they concluded I made the purchase without asking me for any other additional or supporting information or even talking to me during the dispute process.
Consumer complaint received 2021-05-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Some time ago I sent a letter regarding inaccurate and unknown things on my credit report.. To this day, well over two months later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60+ days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a litigation due to XXXX you caused me. Due to my stay at home I found that my information was also impacted by Equifax data breach and may have gotten into the wrong person hands. I used this link below. 
Equifax Breach Inquiry Link : https : //eligibility.equifaxbreachsettlement.com/en/eligibility
Consumer complaint received 2021-05-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

Good evening, I submitted a dispute in regards to collection accounts on my credit report from Wakefield Collection Agency. When you replied back to me on XX/XX/2021 they provided a spreadsheet with numbers on there to supposedly confirm the amounts that I owe. To show you how shady they are and how they play with consumers credit they removed the accounts off my credit reports ( all 3 ). Then now they have added them back on there and I have proof because I check my credit frequently plus I get notifications when something changes. This proves my point that they are fraudulent and play games with individuals lives. I want this removed from my credit reports immediately ( all 3 ) and I want them to held accountable for doing this to citizens when they feel like it. The only resolution that needs to happen is they remove this and send me a letter indicating they will not attempt to keep adding this back on my credit. Im also going to contact each credit bureaus and show them how they are playing games as well. If this is not taken care of I dont mind going to the media to make it know how collection agencies need to be held accountable for the reprehensible behavior tactics used to ruin peoples lives and livelihoods. If you need proof I have it showing how they removed it once I filed with you and now have placed the same info back out there and this is unacceptable.
Consumer complaint received 2021-05-14
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: CURO Intermediate Holdings (AL)

Original debt : Speedy Cash on XXXX XXXX in XXXX. 
Debt collector : Ad Astra Amount : {$3600.00} Date on XXXX : XXXX Date of original debt : XXXX I was working in XXXX XXXX at the time this debt allegedly happened. I have never had an account with Speedy Cash. I have been dealing with identity theft from another XXXX XXXX for going on 20 years. Requesting permanent removal from my credit report please.
Consumer complaint received 2021-05-14
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

Hello I am reaching out to you guys cause Ive sent numerous disputes in regards to a few late payments on my credit report for capital one. Ive disputed it with both creditor and XXXX. Neither one wants to correct the issue after capital one removed from the other Credit bureaus XXXX and XXXX. Please can someone help me and get it fixed ASAP
Consumer complaint received 2021-05-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (CA)

Naviant has repeatedly called my Family and associates, who are not co-signers on my loan after my both have asked them to cease and desist. 

They have also threatened my family and told them that I will be arrested if they sue me.
Consumer complaint received 2021-05-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: CITIBANK, N.A. (NY)

DISCRIMINATION DISRIMINATION CITIBANK EXPECT A LAWSUIT FROM ME XXXX XXXX XXXX A VETERAN OF THE UNITED STATES XXXX XXXX AND YOU HAVE DECLARED A LEGAL WAR AGAINST ME. 

I wired {$4500.00} from my chase account to citibank for my XXXX XXXX investment account. I was also charged a {$25.00} wire fee which was refunded. Again I sent money from XXXX to citibank through XXXX wire with a reference number XXXX I sent it to citibank XXXX XXXX account number ending in XXXX. I dont see this number in the confirmation ledger. ONLINE DOMESTIC WIRE TRANSFER VIA : CITIBANK XXXX XXXX : XXXX XXXX XXXX NY XXXX XXXX REF : FROM XXXX XXXX ACCT XXXX XXXX XXXX ACCT XXXX XXXX/TIMEXXXX XXXX : XXXX TRN : XXXX XX/XX/11 When i call XXXX XXXX they say they dont see it in the que and they cant find it for the last 3 days. XXXX finally put in a recall after me calling 100 of times one person a supervisor said its completed its lost and hung up. This is not right. THIS IS A FEDERAL WIRE THAT INSTRUCTIONS WERE SENT PERFECTLY. THIS IS A VIOLATION OF MY CIVIL RIGHTS I CAN NOT EVEN WIRE MONEY LIKE EVERY OTHER AMERICAN AND NOT HAVE ANY PROBLEMS I AM A XXXX VETERAN AND THIS IS A VIOLATION OF MANY MANY MANY MANY MANY FEDERAL LAWS HELP ME GET ME MONEY
Consumer complaint received 2021-05-14
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. (FL)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report Collection Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor name : XXXX XXXX Collection Creditor : XXXX COLLECTIONS Original Creditor Name : XXXX XXXX XXXX Collection Creditor : XXXX Original Creditor Name : XXXX XXXX XXXX
Consumer complaint received 2021-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NY)

This will be my third complaint to this company and nothing has being resolve, Complaint # XXXX, XXXX. XXXX XXXX keeps sending letters to close the complaint with CFPB but nothing has been resolved. My mortgage principal balance has gotten worse and incorrect. My XX/XX/XXXX outstanding balance was {$620000.00} before forbearance program. My payment deferral agreement said that my bearing principal balance shall be {$610000.00} before XX/XX/XXXX, per XXXX  XXXX and the agreement {$11.00}, XXXX would be added to my escrow account but to date XXXX {$0.00} added to escrow. Since XX/XX/XXXX I have made additional payments estimate total {$33000.00}, 11 payments or so that should have drop my principal balance outstanding even more. Since XXXX  was added to my escrow account, my principal balance should be an estimate {$600000.00} with additional balance ( Payment Deferral Agreement ) {$18000.00}. I have spoke to XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, I was gong to resolution in 72 hours but nothing. Email and call XXXX XXXX zero call back or email. This agency needs to research this company. I am being robbed of my hard earned money.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I got into an altercation with my room mate and I move out. And accident left my expired personal information in a drawer and did not take it with me. And my room mate or some one at that address has been trying to order all kinds of things online and now I have a bunch on inquiries for accounts which I do not have if you look at the inquiries there all online actions no in person applications I also filed an FTC affidavit
Consumer complaint received 2021-05-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

I checked my Credit Report on XX/XX/21. I noticed National Credit Systems Inc was reporting a claimed debt and reported as of XX/XX/21. 

I mailed a Debt Validation letter requesting them to verify the debt and I have not heard from them since. It is now XX/XX/21. 

They have been reporting this invalidated information to all 3 major credit bureaus ( XXXX XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. 

This debt has not been verified to be mine yet they are continuing to report it as such and it is doing harm to my credit.
Consumer complaint received 2024-08-28
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. (IL)

i have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ). XXXX XXXX XXXX {$1000.00}, XXXX XXXX Bal. {$220.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$910.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$1000.00}
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

To whom it may concern, I am extremely frustrated at the actions taken place by XXXX. I noticed my credit had been hit by about 33 points the first week of XX/XX/2021 so immediately investigated as to why that was, only to find out they claimed I did not pay my credit card ending in XXXX. I pay this credit card each and every month in FULL usually over {$10000.00} worth. I paid this on time and retrieved a receipt supporting my claim, I then went to XXXX  online to submit a dispute with the evidence of my payment of {$11000.00}. 

I have been awaiting a response for my dispute until today when I realized another hit for about 20 points had also been deducted from my credit score where they had REMOVED my entire account for this credit card. I feel as if this is entirely illegal and misleading removing my personal and validated information from my credit report I have worked so hard on. I am a tax paying citizen and pay my bills before they are due. I am outraged at the fact some random employee can remove such information and kill my credit score. 

I called XXXX and inquired about having all of this fixed ( that they caused ) and was told it could not be fixed and to contact my bank. I am livid and want my information repaired. I will not stop contacting until I come to a conclusion where the outcome is correct and fair.
Consumer complaint received 2021-05-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (IN)

I had to take a forbearance during covid. They put 3 of my loans in deferment. But my home I am living in they have refused to put the payments at the end of the mortgage. They have been rude they have hung up on me after waiting to talk to someone. They sent paperwork that has errors. I can not get anyone to send the terms I was offered with my other loans. I do not understand why they are doing this. Loancare is the servicer now and they do not know what good service is.
Consumer complaint received 2021-05-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Benworth Capital Partners LLC (TX)

I applied a 2st draw and a 2nd draw PPP Loan through XXXX XX/XX/21 then they sent my application to my lender which is Benworth and I got approved and funded XX/XX/21 but until now I haven't receive my money yet, I keep contacting them but I can't reach them out because all their contact numbers are disconnected and even their emails are not responding too, I reported this because I don't know where to ask some for help. I am hoping that you'll take a necessary action about my complain..Thank you
Consumer complaint received 2021-05-14
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. (IN)

Experian will not update my consumer credit report to show that this account, XXXX Bank installment loan, is paid in full with a XXXX  Balance. Experian continues to report incorrect information about this account which has negatively impacted my FICO score.
Consumer complaint received 2021-05-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

At this time, I am offering a settlement to the XXXX XXXX debt purchased by Portfolio Recovers Associates, LLC in 2018. I lost thousands of dollars from the Covid-19 shut down, and I am just getting back to work. I ask Portfolio Recovery Associates, LLC to accept as a one-time settlement {$1700.00} of the current balance of {$4400.00}. However, I want it stipulated that I believe XXXX XXXX XXXX XXXX. never gave a full contractual agreement of this debt in question, and that I could with the right lawyer end up with the debt being dismissed altogether. A purchased debt agreement can not be back-dated under any circumstances, and that would be within federal restrictions under the Fair Debt Collection Practices Act. However, if I receive a verbal acceptance of my settlement offer within a reasonable time period, I will waive any rights I maintain to legally challenge the validity of the Portfolio Recovery Associates, LLC claim. My phone number is posted in this CFPB request to monitor Portfolio Recovery Associates adherence to FCRA and FDCPA requirements on the collection of debt, and the CFPB constant research into the voluminous fraudulent activity into what the Federal Trade Commission consider zombie debt collections. 

XXXX XXXX
Consumer complaint received 2021-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These three inquiries appear on my credit report & ive tried to reach out to customer service would not assist. These were never approved to be inquiries on my report and need to be removed
Consumer complaint received 2021-05-13
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. (IL)

Equifax is reporting a discharged bankruptcy on my credit report.I asked for method of verification. Never received it. I asked the court do they verify with third party they said no. Therefore if court said they do not share this information how could Equifax legally report bankruptcy.
Consumer complaint received 2024-08-28
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. (CA)

Recently checking my credit report I noticed that I've been a victim of identity theft and found numerous credit inquires that I have no knowledge of, Here are the inquires that I've found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these fraudulent inquires from my credit report. I also attached my identity report as well.
Consumer complaint received 2021-05-14
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On or around XX/XX/XXXX, I consulted XXXX XXXX @ Citizens Bank about getting a home loan. I let her know that I worked in the XXXX industry and was worried about getting approved. She let me know that it would not be an issue and we started the loan process. I put a down payment, I paid for an appraisal, and even got loan commitment. The underwriter approved my application. Then, 4 hours after I was scheduled to close, I found out that the bank would not approve my application due to me being employed by a XXXX dispensary.
Consumer complaint received 2021-05-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/XXXX I deposited a check for XXXX it was from a chase client they put those funds on hold for two days. When XX/XX/XXXX came I tried to withdraw and was not able too. I called chase they said my account was restricted and that it was going to be closed. In the mean time I had a sba loan that was going to come in I didnt think it would go in because of the closure of my account. I call chase and I see that they had put those XXXX that were in my checking into my daughters account that is link to mine without letting me know. They had recieved the XXXX loan of XXXX but didnt put that one in there. I called chase to ask why they had put the XXXX in the other account instead of mailing it and where are the XXXX. They were suppose to mail me all my funds within seven days but they havent. Now they are saying that my sba funds of XXXX are on hold until I go in the branch and show them documentation of my business. Which I dont mind but by law they are suppose to mail my funds back to me. Im no longer their client. They chose to close my account. I asked them to send it to the XXXX because thats where it came from. They said they can do that but wont give me a date to when they will do that. Those loans have time sensitive. I call chase and they give me the run around and they even hang up the phone on me. I need to see what are my options. When I applied for that loan I gave my paper work to my lender. Theres no reason that I would have to prove it to them especially if I no longer have the account open with them.
Consumer complaint received 2021-05-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc. (CA)

I am extremely frustrated and upset that both XXXX  and Franklin Collections decided to report this on my credit report, after being informed numerous times that this debt is invalid and highly disputed. XXXX is attempting to charge me for equipment that was " not '' returned - however this is completely false, I returned this equipment via the self addressed boxes they provided, and any claim to the contrary is highly disputed. I have informed XXXX  about this in writing on several occasions. 

Franklin Collections is also reporting this on my credit report, for which I highly dispute since they should have sent me a dunning notice allowing me the right to dispute this or resolve it before placing it on my credit report. This is highly predatory and unfair, as now I'm in the middle of obtaining mortgage financing and this account is stopping me from obtaining the best possible rate, something that will cost me XXXX XXXX XXXX  of dollars if this error continues on my report.