davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-31
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (DE)

My wife and I have been Macy 's customers for years without any real issues. Recently, however, we received new credit cards. When I went in to view my current balance, I discovered that there were other account numbers ( XXXX for internal charges and XXXX for external charges ). However, I was unable to login with either number and so unable to view my balance. I called Macy 's customer service and was told that these were old numbers - XXXX was replaced by the new card and the other was replaced when we experienced fraudulent use of our credit card. I spoke to someone who was able to replace the old numbers with my current number. However, in the process, it appears she wiped out my account history. I have made repeated calls trying to get this rectified but so far to no avail. A common theme is that I am told that there is no history to which I reply I understand and I want that corrected. I have called and been connected to Tech Support ( XXXX ) on XXXX. She assured me that there were system issues and that this would be resolved within XXXX hours so we set a time of XXXX at XXXX XXXX ET. No change. I called back on XXXX ( XXXX ) and was connected to XXXX. We went through the problem again and he assured me that he would check into it with XXXX Support and get back to me by Wed. around XXXX. Again no call back. To date Macy 's has shown no interest in resolving the problem. This opens the question of whether or not they are able to.
Consumer complaint received 2016-11-02
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (NC)

In XXXX of 2016, my wife and I notice fraudulent activity on our Macy 's store credit card statement. We notified Macy 's of the activity immediately. They referred the case to the fraud department, determined that the activity was fraudulent, zeroed out the balance and closed the account ... or so I thought. Macy 's opened a new account without my consent. Now months later, the old fraudulent charges showed up on the new account that I did n't know was even open. I 've called Macy 's Customer Service and am on the phone with the fraud department again. The gentlemen has reopened the previous claim, and just told me that I have an active account with Macy 's even though I specifically requested closure of the account in XXXX and desired to no longer have a Macy 's account. Macy 's collection agency has called wanting me to pay off a cleared fraudulent charge and lots of penalties and late fees. I believe the fact that an account was opened in my name, without my consent or knowlege is illegal. I would like these accounts closed and I would like to have Macy 's reprimanded for these activities.
Consumer complaint received 2015-09-05
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (NY)

i sent {$750.00} to a friend of mine on paypal.. Their Paypal Accoutn was subsequently 'frozen ' and asked them to verify their account by adding a BANK Account. They do not have a bank account, so they ca n't verify. They want to send me back my money but they ca n't now. I am now out {$750.00} of my hard earned money due to this issue. They will not respond to any questions or support. 

Please help!
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX  - {$3200.00} XXXX XXXX XXXX XXXX  {$1800.00} XXXX XXXX XXXX  {$1400.00} These accounts do not belong to me.
Consumer complaint received 2023-04-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am reporting XXXX XXXX XXXX, XXXX, for improper use of reporting to consumer reporting agencies. Additionally, the information is incorrect. When I attempted to get to my account online to get accurate information, I have been locked out but is still being charged as if the credit account has a balance and then they are still reporting to the credit agencies. I have submitted to their special department via certified mail " tax '' documents and instruments to settle the account to XXXX. The same information ( 1099C, 1099OID, etc. AND restricted endorsement to pay to the UNITED STATES TREASURY $ XXXX ) has been sent to the Internal Revenue Service and Department of Treasury for compliance with the internal revenue service for my estate/account. This company has failed to update the account to XXXX for the correct debit/credit balance. The laws below also show how the company is violating my rights and harming me from future opportunities. The balance must be reported on the account as XXXX as the Internal Revenue Service has been notified and also it must be updated to XXXX balance on credit with no lates. I am requiring this to be updated with 1. XXXX XXXX, XXXX, 2. XXXX, 3. XXXX, 4. Transunion, and 5. XXXX XXXX. Additionally, I shall still maintain my rights for doing things in " Good faith and compliance with the United States Treasury and the account shall not be closed. 


15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law that backs the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation CORRECT AND UPDATE OR REMOVE FOR ACCOUNT SETTLED AND XXXX BALANCE
Consumer complaint received 2023-04-21
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2016-09-14
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (VA)

On XXXX XXXX, I purchased a clock radio from XXXX XXXX for {$110.00} on line. I paid by credit card, and delivery was promised within XXXX - 7 days. We allowed about 2 weeks for delivery ; however, the merchandise never arrived. At which point, I made several attempts to contact XXXX ; however, the phone number has been disconnected, and the website taken down. When we received our XXXX credit card statement showing the {$110.00} charge I immediately contacted Elan ( XXXX XXXX ) of XXXX ND to have the charge reversed. I was told they would send a dispute, and once completed I should fax it back to XXXX XXXX XXXX completed the form and faxed it back, several weeks later XXXX called and said they did n't have it. Again I faxed it back. In XXXX, the charge again appeared on my card statement. I contacted XXXX who said they did n't have the form, so they are charging us, but we can still send in the form for consideration. On XXXX XXXX I faxed the form again. On XXXX XXXX, XXXX left a message saying since it 's been so long, we would need to provide more information for the dispute to be considered. On the evening of XXXX XXXX, I called Elan, and granted permission for my husband to speak on behalf. He was told we needed to contact XXXX XXXX again to try to resolve the dispute. Again, the phone has been disconnected, and the website has been taken down. My husband was told they have to follow XXXX 's rules. Further XXXX will contact us in XXXX - 48 hours. I understand rules, but there is nothing more I can do. I have always paid my bills on-time. Further, I do n't routinely file billing disputes, so I expect to be treated fairly by Elan. I want the charge removed from my account, and expect I will not be charged any interest for the period of time it 's on my account.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WI)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2015-05-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (WA)

My bank charged me a {$7.00} OD fee even though I had the money transferred in right away to cover it. I have XXXX direct deposits going into my acct each month for a total of XXXX. Really, an od fee for a great customer who has been with your bank for probably over XXXX years!! I talked to customer service reps who would n't remove the fee. I then called the bank in my area and they removed the fee, but told me if I did n't have a balance on my equity line I would get charged again if it happened again. Why would a bank take XXXX minutes to tell me there was nothing they could do and then I call the branch and he removed the fee. It is principal with me -- if you are a great customer and a long time customer why would you want to make them unhappy? Does n't anyone care any more about good customers???
Consumer complaint received 2023-04-21
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: Experian Information Solutions Inc. (SC)

I AM A VICTIM OF IDENTITY THEFT. I AM FILING THIS COMPLAINT FOR MYSELF TO REQUEST THAT YOU BLOCK THE FOLLOWING INCORRECT INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS FROM. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT.
Consumer complaint received 2016-03-07
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP (AZ)

I am the equity and title owner of a property in XXXX AZ. 
My son is the one who secured the loan for the property from US Bank home Mortgage. We set up a bank account for US Bank to withdraw the mortgage monthly payments. US Bank withdrew over {$2000.00} extra per month than what we agreed upon I contacted US Bank to resolve the issue but got nowhere, we closed the account, stopped making payment and secured a new loan to refinance. When the title company checked the recorded deed of trust they found mistake in the jurisdiction county. I went to the recorder office to try to correct what I thought is a mistake but discovered that the recorded deed is a forged fabricated document different than the one my son signed and I witnessed. 
US Bank will not produce the original document and scheduled a foreclosure sale, I filled a chapter XXXX Bankruptcy to get US Bank to produce the original documents, but US Bank submitted the forged documents as exhibits in their proof of claim. US Bank believe they are above the law, has no respect for the legal system or the Court.
Consumer complaint received 2016-10-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Penn Credit Corporation (MD)

I received a letter from PennCredit that was paid through the original creditor so you should not be attempting to collect on a paid account. 

Paid directly through XXXX confirmation tracking number XXXX
Consumer complaint received 2023-08-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

BANK OF AMERICA has put derogatory information on my credit report in relation to this account when in fact the company " BANK OF AMERICA '' wrote the account off with the IRS as a profit and loss so they were compensated for this vehicle. I AM NOT IN POSSESSION OF VEHICLE IN QUESTION. XXXX is reporting this account on my report with a balance that is NOT owed by me. IN FACT THE DEBT HAS BEEN PAID IN FULL! BANK OF AMERICA has not only been compensated by the UNITED STATES GOVERNMENT VIA FEDERAL TAX REPORTING AND BUSINESS CREDIT but XXXX XXXX OR XXXX have NEVER had my permission to report this account on my credit report. HOWEVER THEY ARE ACTIVELY REFUSING TO TAKE IT OFF MY REPORT WITH NO EXPLANATION IN WHICH VIOLATES USC 1681b PERMISSIBLE PURPOSE XXXX, XXXX AND OR XXXX DOES NOT AND HAVE NEVER HAD MY PERMISSION WRITTEN OR IMPLIED TO PUT ANY OF THIS ON MY CREDIT REPORT publicly or privately furnishing this inaccurate information to any credit grantor affecting my chances of gaining credit and having a decent chance at life. especially due to the car not being my car or owned by me and specifically due to the company being compensated by the IRS for said Vehicle
Consumer complaint received 2016-07-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AL)

XXXX/XXXX/2016 I contacted the Ditech Mortgage to find out where to send a check from the insurance company due to a fire claim. The representative told me to send it to a XXXX Illinois address. It was received on XXXX/XXXX/2016 at XXXX XXXX by XXXX XXXX. On XXXX/XXXX/2016 I contacted Ditech to make sure the check was received and the rep told me yes, but it went to the wrong address. The rep assured that it will be okay but claims will need to forward the check to the claims department to be processed. On XXXX/XXXX/2016 I contacted Ditech again because my account on the internet did not reflect any activity. Again I was told by a rep and management that the check will be posted on that day. After checking my account on the internet again on XXXX/XXXX/2016 with no activity I contacted Ditech to be told that it will take 7 to 10 business days to process by claims department and then sent back to payoff on XXXX/XXXX/2016. to be processed and check should be mailed the following week. On XXXX/XXXX/2016 checked the internet no activity contacted Ditech and to sum it up every call I got a different answer and empty promises. I continued to check the internet to find no activity so I contacted the XXXX which is a subsidiary of Ditech LLC. I spoke with XXXX XXXX and he referred to upper management on XXXX/XXXX/2016 XXXX XXXX Ext XXXX. XXXX stated the payoff was expedited and we show paid in full on XXXX/XXXX/2016 and I confirmed paid in full. However, XXXX stated if it showed paid in full he will expedite and contact me on Monday XXXX/XXXX/2016. On Monday I spoke with XXXX and customer service in reference to the payoff being incorrect. Instead of back dating the date of receipt it was dated as of XXXX/XXXX/2016. XXXX which upper management for compaints stated that he will look into it and call back and I have not heard back from him until this date. The company will try to tell you that I have cease and desist on my account. However, I had given XXXX permission to contact me in reference to receiving funds. I asked been asked to send letters and i have complied and now I am told that I have 30 days of posted payoff. My family and I have been through enough with the house fire and waiting on the insurance company to pay for the loss of my home. This is undo stress on myself and family. Please take this message as a sense of urgency due to my family and I not having home. I have lost bids on several homes due to not having sufficient funds to pay for a new home. Please see attached documents and audio to document my claim.
Consumer complaint received 2020-09-26
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. (WV)

A debt with XXXX XXXX XXXX It which was incurred in late XXXX, was sold to XXXX and a new date of XX/XX/XXXX was documented as the date reported. When I spoke to the representative from XXXX I explained to her that the date was wrong and that the debt was seven years old. The representative said they actually had until XXXX to collect on the debt, which would make the debt older than seven years old.
Consumer complaint received 2024-08-15
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: ALLY FINANCIAL INC. (AR)

Contacted XX/XX/XXXX requesting release of lien. Received congratulations letter stating my account was paid off but no release of lien letter. Recontacted XX/XX/XXXX requesting actual release of lien form and stated that they have already sent it
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX and XXXX data breaches and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Consumer complaint received 2016-02-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (PA)

I was recently noticed by Seterus, my mortgage servicer, that I owed late fees for late payments for XXXX 2015, XXXX 2015 and XXXX 2015. I have records from the USPS showing the tracking data including the date delivered and signed for by an official of Seterus. On one occasion, the XXXX 2015 delivery was delayed by the USPS for an unknown reason. The payment was mailed 3 days prior to the due date. The payment was mailed through USPS using a 2-day priority mail postage. It was delayed by 4 days with no explanation. I called Seterus and was told by their customer service department that the only way I could dispute a late fee was to write to them and mail it. I had previous taken care of similar issues over the phone but now they are telling me this can only be disputed by mail. 
The due date for my mortgage payment is the XXXX of the month. The 15 day grace period allows to the XXXX of the month. As per the attachments, the payments for XXXX and XXXX 2015 were received and signed for on the XXXX of the respective months. The XXXX payment was mailed on the same date as usual but it was delayed by the USPS which is shown in the tracking information. It was supposed to be a 2-day priority mail delivery with signature verification.
Consumer complaint received 2015-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IN)

I was in a XXXX accident. I had multiple bills from XXXX Hospital, one of them being XXXX. It was then sent to a debt collector because it was not paid on time. I was working on a settlement with XXXX XXXX at the time. It finally got settled and closed out, however, it is still on my credit score and making it lower. I need it removed from my credit score as soon as possible because I am trying to get a loan for a new car. I ca n't get a loan from my current bank for a car because it is showing delinquent bills on my credit report. That is not true. They have been paid and settled.
Consumer complaint received 2023-04-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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