davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-13
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: CITIBANK, N.A. (MI)

My identity was compromised. My cousin used my information while I was out of the country with out my consent. I had no idea that they opened these accounts until I checked my credit report. I have filed a police report about this matter and the creditors refuse to remove these accounts from my credit. Please assist me in getting these fraudulent accounts are removed from credit report because it has brought my score down significantly and is hindering from getting the things i need.
Consumer complaint received 2020-11-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

Someone has created a fake account with my email on XXXX. I keep getting email telling me to verify my account. And that my account a has been verified!!!! Apparently XXXX does not have a support service. I opened the email to find out its some type of bank card! I NEED THIS REMOVED ASAP! Someone is committing fraud under my Email ( XXXX )! Wouldnt surprise me if they are using my name too!!!!
Consumer complaint received 2020-09-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MN)

Please Help! 

My wife and I are in an open bankruptcy and have been paying off our debts for the last 4 years. We were very excited to hear recently are bankruptcy was going to be discharged. Going back to XXXX I was off work because of the Covid pandemic and was offered to put my payments in forbearance by Wells Fargo and they stated that during this forbearance time the payments we missed will be tacked on to the end of our loan. When we called in today to start making payments again they are now saying we have to pay the full amount now or we will have to go into foreclosure. They are asking for {$21000.00}. Can they do this? Will my wife and my XXXX little kids all of sudden become homeless now. I sent in numerous emails and waited countless hours on the phone with them and they said after I selected this option on  there website that I was approved. I wanted to be clear that this plan would just take our payments and put them to the back of the loan. Please help us! I'm sure we are not the only family going thru this with Wells Fargo and I really am scared of what is going to happen to us now. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX
Consumer complaint received 2020-11-13
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. (NV)

My information was leaked in the XXXX data breach and ever since someone has been using my information to open different accounts in my name. There is credit cards, medical bills, loans, a mobile phone, and even a bankruptcy. I filed an FTC identity theft report and it was so many accounts it didn't even let me input all the incorrect info and accounts. I filed a police report with XXXX XXXX Metro and disputed all incorrect info with all three credit bureaus more than once. They have not even removed one account and I should not be held liable for things that I didn't authorize.
Consumer complaint received 2020-11-13
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. (TX)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " .. promptly delete all information which can not be verified. '' that I have disputed on numerous occasions, Please resolve this matter as soon as possible. Thank you!
Consumer complaint received 2020-08-24
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)

I been asking numerous of times for documents on this account but for some reason have not received it. But credit bureaus come back as being verified how is that? How did it get verified? I have the rights to have it verified with me also
Consumer complaint received 2020-08-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2020, I sold my house and used a Title Company ( XXXX XXXX XXXX in XXXX XXXX, TX ).  They sent a wire transfer of funds to Bank of America in the amount of {$64000.00}. Bank of America has confirmed that they received the wire transfer. My HELOC balance is about {$61000.00}. Yet they have not applied the wire transfer funds to the balance. I spoke with them last Thursday (XX/XX/20 ) and confirmed they got the funds on XX/XX/XXXX. The fed funds wire # is XXXX. I spent roughly 2 hours and 20 minutes on the phone with them today on hold or actually talking to reps in the loan Department ( XXXX ) and the wire transfer Dept. Both parties said they couldnt help me and blamed the other department. I need my HELOC paid off and closed. I am buying a condo in 7 days. I need the overage placed in my Bank of America checking account.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (PA)

I have the Original creditor, One Main Financial, reporting a delinquency on my credit, after they sold the account to XXXX XXXX. The issue is that One Main is still reporting the account delinquent on my credit, and XXXX is reporting the account delinquent on my credit, giving the impression to other creditors that I have multiple delinquencies, when in fact I do not. 
This is false and misleading, and hurtful to my credit score and subsequently hurting my interest rates on credit cards and potential auto loans and mortgages.
Consumer complaint received 2020-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (OR)

Flights were booked through Citi 's online booking platform and agent XXXX XXXX XXXX XXXX for the amount of {$1200.00} - in the equivalent amount of Citi ThankYou Points of XXXX. 
Flights XXXX on XX/XX/XXXX were cancelled in XXXX by XXXX XXXX XXXX due to Covid19 route cancellation. 
XXXX XXXX XXXX refunded the total amount of {$1200.00} back to Citi 's agent XXXX XXXX XXXX XXXX on XX/XX/2020. 
Until today I have not received the refund from Citi or their agent XXXX XXXX XXXX XXXX and after numerous inquiries I'm being told to wait another 3 billing  cycles until the end of XX/XX/2020 and hope that perhaps the refund by then might show back in my account.
Consumer complaint received 2019-04-20
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. (NV)

In mid XX/XX/2019 Equifax took 50 points off my credit score in one day. I've called Equifax many times to find out why. Their answer has always been " we don't know why '' I don't understand these type of responses. I've never been late on a payment and I have a utilization rate of 25 %.
Consumer complaint received 2020-08-23
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: Experian Information Solutions Inc. (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Experian Attn : Customer Care XXXX XXXX XXXX XXXX, TX XXXX ATTN RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that is problematic. The inquiry in question was apparently made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX. 
They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing inaccurate depiction of my creditworthiness. 
Please update me with a full report on your endings within the next two weeks. I look forward to having this situation resolved as soon as possible. Thanks for your prompt attention to this mater, XXXX XXXX
Consumer complaint received 2020-09-01
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)

THESE ACCOUNTS LISTED ON THIS REPORT DO NOT BELONG TO ME THEY WERE OPEN FRAUDULENTLY USING MY SOCIAL SECURITY NUMBER AND ID I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-08-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BARCLAYS BANK DELAWARE (IL)

I have more then one law firm contacting me for the same credit card, i have ended by paying two law  firms for the same card i have cleared check numbers from bank statements for XXXX XXXX XXXX XXXX ( payments of XXXX ) along with signed documentation for payments with cleared debits from my bank account with a letter that states the debt was paid in full to the XXXX XXXX XXXX XXXX XXXX  for the law firm of XXXX XXXX XXXX ( payments of {$130.00} twice a month ) All three law firms have the same information about this account. Account number XXXX & the creditor being barclayXXXX XXXX ( XXXX ) The third law firm XXXX XXXX has taken me to court three times first court day of XX/XX/2020. Which was the date of my finally payment to XXXX XXXX for the agreed amount of {$440.00}, the paid in full letter has case number & account number. 
All three Law Firms were & still are belittling, aggressive & demanding to a point of not knowing what to do ... ..The only reasoning i have for paying two Firms at the same time for the same card and the reason i will not pay the third! 
My personal information XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX il XXXX XXXX law firms in the fight of charged off debt XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (MD)

Hello Someone made two unauthorized charges through CashApp   using my Maryland UI Benefit Card in XXXX. One was on XX/XX/XXXX for {$10.00} and initially went unnoticed. The other was on XX/XX/XXXX for {$600.00}. When I saw the {$600.00} I looked into it and requested a refund through the app but all that did was alert the person who made the charge that I wanted them to refund, which they immediately denied. I apologize for the following level of detail but I want to provide you with as much information as possible, in hopes of resolving the issue as fast as possible. 

Although this happened in XXXX, I have been trying to resolve the situation ever since, first with the bank through which the card was issued, then the Maryland Department of Unemployment,  followed by what seems like endless XXXX searches, trying to hit upon just the right set of search words that finally led me to this site. I have sent emails to show my efforts but received no replies from anyone I reached out to. 

Beginning on XXXX I began sending money to an individual I came to know as XXXX, after first communicating with her under the name XXXX. I came in contact with her online and purchased digital, XXXX XXXX with her ( pictures and videos ) on XXXX, XXXX, and XXXX with no issue. We communicated during the time and decided to meet in person on XX/XX/XXXX. In preparation I sent her another {$50.00} on XX/XX/XXXX which she was to use for dinner the next day, which she did. It is my belief that while we were together she took my phone without my knowledge and used it to access the same app and my saved credentials to send herself the {$10.00}, I believe as a test. The meeting took place without incident. Nothing more than meeting up was promised or took place. She suggested meeting up " just to put face to the name. '' Days later on the XXXX a payment was sent to her for {$600.00}. I don't believe she accessed my phone again although it is possible. She came to my house to return a magazine she " inadvertently '' took the day before and came and went while I helped my brother bring a bed into the house. Later I saw the charge and reached out to her and found she blocked me on every platform we'd previously talked. I contacted CashApp about a refund and at that time found out it's only course of resolution was to ask the the individual to send the refund and that unsurprisingly, she denied it. Since then I've had no contact with her in any way. I also reported her account to the owners of the site I first made contact with her, for which they thanked me and to my knowledge, deleted her account.
Consumer complaint received 2020-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Byrider Franchising, LLC (TX)

I received a high interest loan through J.D. BYRIDER / CarNow Acceptance Company ( CNAC ) located on XXXX XXXX XXXX XXXX in XXXX, Texas My vehicle was hit while parked on XX/XX/2020 by a drunk driving accident and assessed by the guilty parties insurance as a total loss damage I also informed my auto loan broker ( CNAC ) / auto dealer J.B. BYRIDER located on XXXX XXXX XXXX XXXX in XXXX, Texas of the auto accident that occurred on XX/XX/2020 along with my intent not to make an installment payment towards my auto loan until all of the particulars with the car accident was handled and the insurance check from the guilty party 's insurance company was to be dispersed on approximately XX/XX/2020 furthermore i informed the finance department of CNAC / J.B.BYRIDER located on XXXX XXXX XXXX XXXX in XXXX, Texas on approximately XX/XX/2020 as well as on XX/XX/2020 that I would no longer be making installment payments towards my auto loan until further details as to the initiation and implementation of the ( Pandemic Assurance Unemployment Benefits ) for Texas unemployment recipients due to the Covid-19 Pandemic On approximately XX/XX/2020 I attached and text a copy of my Work Search Notification Suspension Letter from the Texas Work Force Commission suspending our requirement to search for work due to the Covid-19 Pandemic as  well as my Statement Of Wages and Potential Benefit Amounts to prove my unemployment status thus placing me eligible to take advantage of the protections afforded to me by the Cares Act of 2020 never the less the Finance Manger for CNAC / J.B BYRIDER located on XXXX XXXX XXXX XXXX in XXXX, Texas only be known to me as XXXX still had the account placed in collections as well as added additional late fees along with extra finance charges to the remainder balance on the account
Consumer complaint received 2020-08-23
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: John C. Heath, Attorney at Law, PLLC (MI)

Date open XXXX Then it says original Balance XXXX but than says collection account XXXX past due as of XX/XX/2019 status updates XX/XX/2019 please look it to my credit report because I was with Lexington Law for 4 years and all accounts have been removed I thought until I just checked and there back on there and I would like to know how if items have been removed than they should stay removed. Please look over my credit report and fix the things that need to be fix. I paid Lexington Law a lot of money to fix my credit report to find out its not fixed so there is something very wrong going on and needs to be investigated and fixed. Thank you
Consumer complaint received 2020-09-01
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. (AR)

Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX  XXXX {$500.00} XXXX  XXXX   XXXX {$660.00} XXXX  XXXX  XXXX {$1200.00}
Consumer complaint received 2020-08-23
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. (TX)

I'VE TOLD THE COMPANY I DON'T OWE THE MONEY. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I DON'T OWE XXXX XXXX. ITS BEEN PAID. I DONT OWE XXXX. I RETURNED THEIR BOX. I DON'T OWE XXXX, I PAID THEM ALMOST XXXX DOLLARS. STOP HELPING THEM RUIN MY CREDIT. 

XXXX XXXX HAS A LAWYER. I DO TOO. WE ARE GOING TO COURT. THIS DEBT IS THE RESULT OF SHADY BUSINESS AND XXXX IDALS. IF THIS IS MY DEBT, ITS IDENTITY FRAUD. 

UNDER THE FCRA YOU ARE REQUIRED BY LAW TO REPORT CORRECTLY. I HAVE NO BEEN ABLE TO GET THEM, OR YOU, TO PROVEI OWE ANY OF THIS MONEY. STOP IT. 

MY NEXT STEP IS A LAWSUIT IN STATE, LOCAL, AND NATIONAL COURTS. I REFUSE TO PAY FOR WHAT I HAVEN'T DONE. 

FIX THIS. NOW. 

XXXX
Consumer complaint received 2020-08-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (GA)

Chime Bank has closed my account and is refusing to refund my balance of {$24000.00}. I have sent them documents confirming who I am and where my deposits came from. I have sent them my State license, social security card, proof of residence, and other forms indicating that I am the designated recipient of my deposits. My account was closed on XX/XX/2020.
Consumer complaint received 2019-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (DE)

Hello, I recently refinanced my mortgage and my new lender ( for the 2nd time ) is United Wholesale Mortgage. 

The last time I took out a mortgage with UWM, my online username was XXXX. I went to log in, and it says that I have no profile. Then, I tried to register, and it says my username is not available. 

Theh same applied to my spouse, the cosigner. Her username was XXXX. She can not log in nor can she register.
Consumer complaint received 2019-03-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (OH)

I have disputed this company in the past. They do not have updated information on my credit report. I have been making my payments every month, plus additional payments and it shows that the payment history is still past due, since XX/XX/2018. This is affecting my credit score and I want it taken care of immediately. I am so done with this company. 
Ally Financial.
Consumer complaint received 2020-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IL)

One evening my ex-husband and I went into a XXXX XXXX store to look at prices for new phones. The agent showed us some and we told him they were too expensive and too much for our budget. The agent kept trying to push us to purchase them and we kept saying no. It was getting late and it was time for the store to close so we were leaving when the agent told us to take the phones home, look over them and get a feel for everything they could do. We said sure but that we were sure we weren't going to purchase them. *We didn't sign anything*. The next morning we were at the store when they opened and we returned the phones. We said they were far too expensive for our budget and we couldn't afford them, and we left the phones with the agent. Within a week we started getting bills in the mail for the phones. I called them over and over again and told them that we didn't have them and they needed to speak to the agent. After a while XXXX  turned us into Convergent  Outsourcing ( a debt collection place ) and I tried to fight it but didn't have any luck. NOW, Convergent is submitting the debt to the credit bureaus EVERY MONTH stating that the account was opened in XX/XX/XXXX, which makes it look like I've been delinquent very recently, when in fact this occurred in XXXX. But they are hurting my credit every month by doing this. 
I had contacted their company many times and explained what occurred but they told me I owed it, but I don't.