davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-19
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: Experian Information Solutions Inc. (FL)

None of these places have I applied to. I have an alert on my credit profile to contact me when credit is pulled and I have not gotten any call to authorize. Someone is applying under my name. 
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Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TN)

its been XXXX  months asking for the XXXX XXXX companies to update my credit report and remove all charged off accounts that's been on my credit for XXXX yrs or more based off the missed payment.. They are reporting balances on charge off accounts as well. 
FCRA - 15 1681-2-Repondsibilites of furnishers of information Charge off accounts stays on credit history for XXXX years from the date of the delinquency that led to the charge off. 
I have sent letters and more letters to get this information updates they are refusing to remove as well as to send documents from the last late payment.
Consumer complaint received 2017-06-20
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I received a letter dated XXXX XXXX, 2017 yesterday ( XXXX XXXX ) stating that BOA was shutting down my business banking account in 30 days ( with restrictions to the account starting in 21 days ). The letter states that there is no recourse, and that no reason for this closure will be given. The folks at the local branch I 've dealt with were unable to shed any light on the reasons for this. I 've never, ever had any financial problems with my account, which is tied to my 22 year old business with a stellar financial history. The letter states that I can call in to an automated phone line and leave a message, but that BOA wo n't reconsider closing my account.
Consumer complaint received 2020-11-18
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: Experian Information Solutions Inc. (SC)

I sent a letter to XXXX, Experian and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been 4 and a half months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 120 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so. I was also impacted by the XXXX  data breach and believe some of my accounts were compromised.
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION (NC)

This all started with a new car loan this XXXX. After obtaining the loan I requested a copy of the credit report used by the lender. When I received the report and reviewed it, I found errors reported by XXXX XXXX XXXX XXXX ( M & T Bank loan XXXX. ) Specifically, the date of last payment and the date account closed is wrong ( should have closed XXXX ), and the detail seems to suggest that the loan was 120 days or more past due. I complained to XXXX three times. On the third time, they sent the complaint to M & T Bank. None of the items were corrected and they added a new delinquency for 180 days or more late. Attached are the latest results from the dispute as provided from XXXX  and a letter from M & T bank proving that I paid the loan off in XXXX XXXX. The loan originated in XXXX XXXX, so there is no possible way this loan was open on XXXX and no possible way this loan was ever 120 days or more past due. During this process I spoke, via phone, directly with M & T Bank. The person I spoke to told me the loan was not  properly closed when I made the XXXX payment. This error has to be corrected. Thank you.
Consumer complaint received 2017-06-20
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. (TX)

This is regarding a year of continuous complaints. I contacted XXXX and they said, they sent a letter to all three credit bureaus to DELETE account # XXXX. As I stated at first, this was not my account and all three credit bureaus still claimed this debt was verfified. Which is untrue. This was a fraud accont that had a different address with my personal information. After all three credit bureaus stated, I need a police report. That was untrue. I called XXXX 's CEO and they immediately sent the following letter. The letter is attached. Please note : With this unfair alledge verification the credit bureaus claimed they did for months has caused a 71 point drop in my score. And it should have never been. This account should have been deleted a long time ago. If it was it would not have damaged my credit and life. Because of this, it has caused havoc of me not receiving adequate credit.
Consumer complaint received 2017-06-15
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. (SC)

I have sent  XXXX  several certified letters concerning the false, bogus info they are sending to  the   XXXX    credit bure aus. They 're re-aging this account to keep this negative info on my credit file longer which is hurting me mentally, physically and financially.  XXXX  has violated laws under FCRP/FDCPA. If this account is not remove ASAP I will sue them for defamation and financial injury  (   XXXX  vs.  XXXX   XXXX  ) which carries a fine of $  XXXX  /per vio lation.   I never received any type of paperwork from  XXXX . I spoke to  XXXX   ( Customer Service )  ext.  XXXX  on  XX/XX/XXXX      XXXX   XXXX   he told me the address they had on file was a  XXXX   XXXX , Georgia address and on  XX/XX/XXXX     XXXX  I spoke to a   XXXX   ( Customer Service  ) t old me the same the same thing. I have NEVER lived in Georgia!!! I updated my address with  XXXX .    XXXX  told me the balance was {$12000.00} and the date the contract was sign was  XXXX . After speaking with  XXXX  she told me the balance was {$5900.00} and contract was signed  XXXX  She als o told me my last payment was  XXXX .  XXXX  is reporting false info which against the law. This is the reason they not replying to my certified letters!!!
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I have found several items on my credit reports that are being reported incorrectly and includes information that does not belong to me. I have tried contacting the bureaus and disputing this information several times to no avail and as this information is damaging my financial reputation I am now reaching out for help in this matter as the bureaus employ several different tactics to ensure that you can not reach anyone for help within a reasonable amount of time and because they continue to provide automated responses to complaints instead of verifying information as requested.
Consumer complaint received 2017-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

In XX/XX/XXXX, I spoke with General Revenue Corporation. I was willing to get into a payment arrangement to start paying off my loans. As per them, they told me that I needed to make a payment to them to pull my loans out of default and that i needed to consolidate my 2 student loans. I told her that i did not want to consolidate them, and that i just wanted to make a payment arrangement with them to start paying them off. That is when i was told that payment arrangements were not available to me because i was in default, and i had to make the 1 time payment first. Then she told me that my account was ready to be transferred and as soon as i made the payment and consolidated my loans, that they were handing my loan debt off to a new company. On XX/XX/XXXX, I received a letter in the mail from XXXX XXXX stating that General Revenue Corporation is requesting a wage garnish on my loans.
Consumer complaint received 2017-06-20
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENOVA INTERNATIONAL, INC. (CA)

After receiving an overwhelming amount of emails and calls I mailed an official cease and desist letter to the company Net Credit on XXXX XXXX 2017. The letters were sent to no avail I have received persistent emails and calls to date. I have blocked this number previously to attempt to limit the amount of harassing calls I have received regarding this account however that has not limited nor stop the ongoing harassment. calls on XXXX XXXX 2017 @ XXXX XXXX XXXX 2017 @ XXXX XXXX XXXX @ XXXX XXXX XXXX @ XXXX Emails to date on XXXX XXXX 2017 XXXX XXXX 2017 XXXX XXXX 2017 XXXX XXXX 2017 XXXX XXXX 2017 XXXX XXXX 2017
Consumer complaint received 2017-06-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (GA)

I have a loan  with DITECH.  I applied for a loan modification  XXXX   XXXX . I was approved for a trial modification in  XXXX   XXXX . I had to comple te four ( 4 ) t rial payments by  XXXX   XXXX . I completed my trial payments in  XXXX   XXXX  bu t DITECH has not sent me anything in writing regarding the approval of my loan modification. I was advised by my account rep to continue to make the trial payments because the modification docs are not " ready '' ; however, I have not received any documents or anything in writing from DITECH assuring me that my modification has been approved. Even though the trial period is over DITECH continues to report negatively to the credit bureau they also continue to do collection calls and I have to keep reminding the DITECH representative that I 'M IN A MODIFICATION PROCESS. But it always seems like no one knows the status of my loan modification, and they refuse to put anything in writing! ... its like they are waiting to send me to foreclosure. Why is it that they do n't have to put anything in writing during this process? I 'm just trying to keep my home but it seems like my lender has no interest in helping me do that. Please let me know what I can do to get something in writing from DITECH regarding my modification status
Consumer complaint received 2017-06-19
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. (MA)

XX/XX/XXXX XXXX XXXX {$5300.00} I HAVE TRIED CONTACTING THE MERCHANT WHICH LED TO DEAD ENDS AND RED FLAGS. I ALSO CONTACTED ATT UNIVERSAL CITICARD TO FLAG THIS CHARGE AS FRAUD. I HAVE BEEN DEALING WITH THIS CLAIM FOR MONTHS AND FINALLY WAS TOLD ON XX/XX/XXXX BY A MAN NAMED XXXX, A SUPERVISOR IN THE FRAUD/SECURITY DEPT, THAT THE CREDIT WOULD BE THERE BY THE 2ND WEEK OF XX/XX/XXXX. IT IS NOW XX/XX/XXXX AND I HAVE BEEN TOLD THAT I HAVE TO START ALL OVER AGAIN. THEY WANT ME  TO RE-SUBMIT A CLAIM LIKE IT NEVER HAPPENED AFTER I HAVE BEEN CALLING AND WAITING FOR MONTHS AND THERE ARE PLENTY OF RECORDS AND NOTES ON THE ACCT FOR ALL THE TIMES I CALLED AND THAT I WAS TOLD I WAS GETTING MY CREDIT BACK AND THE INVESTIGATION WAS OVER. I HAVE DONE EVERYTHING THEY HAVE ASKED ME TO DO AND THEN SOME. I HAVE A BEEN A CUSTOMER FOR A VERY LONG TIME SO THIS IS VERY SAD THAT I HAVE TO GO TO THIS LENGTH AND I EXPECTED TO GET THIS TAKEN CARE OF WITH NO ISSUE BUT THIS IS GETTING TO A POINT WHERE I M CONSIDERING CANCELING MY ACCOUNT AFTER 27 YEARS.
Consumer complaint received 2017-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (FL)

This debt of {$400.00} was paid off i n 2016 through the original company (   XXXX   XXXX   XXXX   ). I DO NOT HAVE ANY DEBT WITH THIS COMPANY ( EOS CCA ) NOR DO I HAVE ANY TYPE OF CONTRACT WITH THEM.
Consumer complaint received 2020-11-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

Citibank closed my checking account with my money in it and i can not get a straight answer or information on where my money is except it will be mailed to address on file. I have not received anything in the mail not even a letter that was also promised as to why my account was closed. I now have no money to use and no answer as to where it is from thieving Citibank.
Consumer complaint received 2017-06-19
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

Sometime between  XXXX  and  XXXX   2017 ,  Citi Credit Services closed my Home Depot account and sent it to collections. I was never behind on any payments, nor was I in default. The collections agency has told me that Citi closed my account because someone has reported that I had filed bankruptcy, which I had not done. Citi will not let me log in to service my account online any longer, no will they speak to me on the telephone, stating that my account is now in collections and I have to only deal with the collections agen cy. Th ey will not even give me any assistance as to when or how they received the incorrect information so that I can file a law enforc ement identity theft re port.
Consumer complaint received 2020-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I would like to have a Fraud Alert removed for my legitimate account XXXX XXXX XXXX / XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. I was contacted by the credit bureaus about my account that I never filed a dispute over. My account has been in good standing since
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I lodged a complaint with these XXXX a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX  XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2020-11-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

This ordeal started back in XX/XX/2020. I was approved for the tax expemtion in FL and I wanted to inform my mortgage company of the changes. Unfortunately, I made so many calls and spoke to so many rude and incompetent people that I got so fed up. Luckily I spoke to the only knowledgeable Supervisor in that company XXXX/ID XXXX he explained that they have to recieve the bill from the tax collector and once they recieve it they will review and do a new escrow analysis which will lower my mortgage payments. He said I should call back in two weeks which will be the middle of XXXX. Well I decided to call back in beginning of XXXX. I called over 15 times and explained that my taxes has decreased and I need a new escrow analysis done. Well it went on deaf ears every representative I spoke with was useless. The all submitted multiple task/ticket that wasn't done or cancelled out. Well on XX/XX/2020 I called and spoke with XXXX/ID XXXX and told her the situation she said that another task will be submitted and I should call back in 24hrs and it will be completed. I called back the next day and spoke with a representative and she explained the break down of the new mortgage payment. At that time I noticed the escrow analysis was not accurate. My PMI/Mortgage insurance was paid in XXXX in the amount {$810.00}, which will be {$67.00}. 61 monthly. However, the mortgage company has been charging me {$840.00}, which will be XXXX I tried asking the rep why is this information incorrect and I didn't recieve a proper answer. Looking back at my escrow analysis back in XXXX it stated my PMI/Mortgage insurance is {$810.00} but the company continues to charge me an extra {$2.00} and I'm not sure where the funds is being disbursed..This is fraud stealing my money monthly and no one can tell me where my {$30.00} went for the past 11 months .. I called another 10 more times and another ticket/ task was submitted and the rep requested a supervisor to call me back and no one called back and the issue was not fixed ..once the escrow analysis was done on XX/XX/2020 it shows my PMI/Mortgage payments is {$840.00} which is wrong ..they quoted my new monthly payments should be {$1500.00} which is wrong .. the correct monthly payment should be {$1500.00} once they adjust the amount of the PMI/ Mortgage insurance payment monthly ..Im tired of calling these people I wait an hour to get a representative and the rep don't even look at the account and say a supervisor will call you. I'm already seeking legal counsel this company is ridiculous. My job is not to make sure my payment is distributed accurately. I want this fix like yesterday.
Consumer complaint received 2017-06-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IL)

In  2015 I was trying to build up my credit so I applied for a card through Walmart, I got approved for a card with a {$500.00} dollar limit, my first payment made online went through fine, when I went to pay it again they charged me a  XXXX  dollar fee. I was only paying a little over half the bill due to a small lack of funds at the time but I had hoped to be able to pay the other half with my next check. I only had a little over {$60.00} dollars in my bank account so I thought to pay {$30.00} on my card, when I went to check my account balance the next day it shows that they took out the whole {$60.00} even though I had only stated in the payment to pay {$30.00}. I thought maybe it was a one time only thing since I was paying online, so the next time went to make a payment online I checked and sure enough I got charged again. I was struggling with funds due to a small lack of some income that had stopped temporarily. I just quit using the card at the time and made no more payments. I had planned on paying it off with taxes the next year but by then it was with a creditor. I do not remember reading anything in the fine print of charging any kind of online processing fee, I know several people who have had cards through Walmart and ha ve had no problems,
Consumer complaint received 2017-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (TX)

Hi, I received a letter from PayPal Credit around 3 weeks ago. I opened it up and saw that I owed {$68.00} to an XXXX in XX/XX/XXXX to PayPal Credit. I thought was weird because I do n't have a PayPal Credit account. I called PayPal and told them it must have been fraudulent activity ( because I know I NEVER would have opened a PayPal Credit account ). They said they will look it up and investigate. A week later I get another letter and it tells me it was according to my normal  spending. After carefully looking as to where I would have charged {$68.00} to PayPal Credit I realized that I did charge that amount but it was SUPPOSE to be charged to my normal PayPal account that has enough money to pay for the {$68.00} transaction.
So I called them again but this time asking them why it was charged to the PayPal Credit when I do n't even have a PayPal Credit account. They said that I had one since XX/XX/XXXX. I was shocked because I I know I NEVER would have opened a PayPal Credit account. Now I am upset because 1. They said I gave them my information to open the account when I did n't 2. They opened a new line of credit without my consent and now it will affect my credit score.
3. And IF I did give them my so called " consent '' it was probably due to the fact that it was misleading advertiment