davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Since the beginning of XX/XX/2024, I have been attempting to resolve inaccurate and misleading information on my credit report. Despite multiple requests for corrections, the company responsible has failed to address these inaccuracies, violating my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). The company has not only neglected to ensure the accuracy of the information they reported but also failed to conduct a proper investigation upon my disputes. 

Furthermore, I never gave my consent to this company to share my personal information or to collect on an invalid debt. This unauthorized sharing and collection of information further constitute a breach of my rights under the FCRA. The company 's actions have resulted in significant harm, including potential damage to my credit score and financial reputation.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I am writing to address an issue concerning an account listed on my credit report. The account in question, XXXX  Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX, has been a subject of dispute due to discrepancies and unresolved issues. Specifically, there are inaccuracies in the reported information. Despite previous attempts to resolve these discrepancies directly with your company, the issues remain unresolved. I am formally requesting a thorough investigation into the validity and accuracy of the reported information. Please provide confirmation of receipt of this correspondence and advise on the next steps to resolve this matter.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Different late reporting dates. XX/XX/XXXX & XX/XX/XXXX on XXXX XXXX XXXX XXXX XXXX reporting on XXXX and Transunion. 

Four different address on my credit file. 

Covi forbearance
Consumer complaint received 2023-04-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

There was a supplemental tax bill that was overlooked when our house was purchased. In the year and a half since we bought this house the mortgage has transferred between three different companies. When it was first transferred to this current company last year, they made an inaccurate escrow analysis and tried to raise our mortgage by a ridiculous amount. After proving that it was calculated wrong the payment was lowered back down. 
Now that this supplemental tax bill that I thought was already taken care of by the first lender has been paid by the newest company they are again trying to raise the mortgage by {$800.00} a month. I called them on XX/XX/XXXX to point out that the supplemental tax bill is a ONE TIME charge whenever a house is sold. It is not a yearly charge and that it should not be included along with the county taxes in the new analysis. The representative did not seem to understand and informed me that he would request an escrow analysis since the numbers weren't adding up and that it should be done in 5 days or so. 
Two weeks go by and I have not heard anything back so I messaged them online. I was told in the chat that the escrow analysis was declined due to " no changes '' in our taxes. I was not informed about this decision in any way. The chat representative also did not seem to understand about the supplemental tax bill and that nothing will change unless I provide proof from my county of what the taxes for this year will be ( a document that the bank and I both already have ).
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have reviewed a recent credit report with many inaccuracies regarding my inquires, I have already been a victim of identity theft in the past I believe someone else used by information fraudulently to try to gain access, due to the amount of inquiries reporting to XXXX, XXXX, & Equifax it has taken a big hit on my credit which is negatively affecting me here are all of the following inquires with dates that were done without my consent. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Smith Debnam Narron Drake Saintsing & Myers LLP (NC)

The company are fraudulently and consistently and willingly and willfully trying to collect fraudulently, Without first-hand knowledge they have sent a letter stating notice of hearing motion for summary judgment for {$43000.00} on XX/XX/2023 at XXXX XXXX via web X now for this amount of money that they're requesting a summary judgment on at the time of receiving the letter I fear for my life being that amount of money is a contract hit, Because if there's no one there at the hearing they automatically win so therefore I fear for my life that after they take my life they will be successful and winning so I truly fear for my life and my family members lives they are going to any extent to try to collect at whatever cost as I have tried to resolve in good faith with them over and over and over they have ignored everything and anything that I have presented in good faith.
Consumer complaint received 2022-12-26
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: EQUIFAX, INC. (IL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX # XXXX XXXX XXXX XXXX. # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX These credit bureaus have violated my rights. 

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (PA)

I used western union money transfer app as usual. I sent money by using bank information to deposit directly to receiver bank information. It usually takes 0-4 business day but when i received confirmation page was saying that it will available in 6 days. I called their customer service to explain the situation but they didnt answer clearly and resolved the issue.
Consumer complaint received 2023-04-29
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: R & B Corporation of Virginia (MD)

I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

The company failed to provide additional information and will not reinvestigate
Consumer complaint received 2023-04-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bliksum, LLC (CA)

I received a call from a loan me agent on XXXX from phone number XXXX claiming I owed an additional {$82.00} for my monthly payment which is {$210.00} that I paid on XXXX the monthly payment is due on the XXXX but I paid it XXXX using the XXXX payment system that says its supposed to post within 4 to 6 hours of that day I called the number on XXXX XXXX I got a recorded voice message saying no available agent in the que at this moment I have also only received one single payment coupon to pay on this account so I dont know how much is owed I did get in touch with someone that said it {$3500.00} but ive been paying since XXXX and making bigger payments Because they also said it was a no prepayment penalty account which I assumed ment if made a bigger payment when it was possible it would help pay down the debt this person that called was claiming I was supposed to make a payment that was more than the minimum and it was being calling none payment of the loan If there is any assistance that can help me loanme it would be appreciated Thank you
Consumer complaint received 2019-12-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MD)

This occurred between the dates of XX/XX/XXXX to the XX/XX/XXXX. I was purchasing a XXXX XXXX bundle off the XXXX app through a user called XXXX. His profile was of the XXXX football team helmet. Claimed to be a hardworking father of XXXX. Location was in XXXX. Claimed to be in Ohio for the holiday. 

Offered to ship the item to me after I put down a deposit incase I stiffed them. Claimed they would mark the item as sold if I did so. 
They blocked me as soon as they received the money. 

The app was buggy after the first deposit, unable to send or recieve messages. Then it said I was blocked.
Consumer complaint received 2023-05-25
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: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX Balance Owed : {$3500.00}
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

XXXX payments with XXXX XXXX XXXX that I paid with my Bank of America account were duplicates. 1 of {$350.00} and another of {$86.00}. I contacted Bank of America on XX/XX/2023 before the duplicates posted and told them what happened. They told me to wait until it posts and they'll give me immediate temporary credit to offset the duplicate charges while they investigate and also waive the late fees if it makes my account negative. So on XX/XX/2023 the duplicates both post and make my account negative and they charge me with XXXX overdraft fees. I call in and explain the same thing I explained previously and the rep didn't want to help me and was annoyed I called about it. Said I could have disputed on the app. Then when she does it over the phone she tells me there will be no temporary credit for me and that. I'll have to wait XXXX days. I then spoke to the manager and she said the same thing and that there's nothing she can do to help. I was proactive with the duplicate charges to tell them and then lied to about the process on which they handled this. This is unacceptable and my account is going to be hit with charges daily until I get it positive now. I contacted XXXX again and I'm still waiting for it to post on there end and when it does they said they will refund it in my XXXX savings account which will take XXXX business days. Then I will have to drive to XXXX withdraw that money and drive to Bank of America to deposit. The problem with this now is that Bank of America is going to charge insignificant funds fee of {$40.00} a day I believe when they shouldn't as I was proactive and told them what happened with duplicate charges.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have tried to dispute these items directly with the agency and companies and they refuse to remove items below. I did a third dispute XX/XX/2022 and the amounts vary between 9 different accounts : {$800.00}, {$6000.00} etc
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I requested validation from Experian for accounts XXXX XXXX  its so many inaccurate information on it. And to no avail they give me nothing again. They just send me a response saying Accurate or Verified nothing else.
Consumer complaint received 2023-12-21
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. (FL)

I applied for a XXXX XXXX  credit card on XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX. XXXX XXXXXXXX denied me saying " they couldn't adequately get my report because it was frozen ''. My credit was frozen at the time. I then went to unfreeze it to reapply, however, before I reapplied they already put a hard inquiry on my report. I checked my credit score to see XXXX hard inquiries one on the XXXX and one on the XXXX. I sent a letter to XXXX XXXX to have it removed over 75 days ago but I have not heard back. Please have these reports removed, thank you.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriHome Mortgage Company, LLC (PA)

Hello, This complaint is in regards to the late payment reporting on my credit report on XX/XX/2022. I would like to let you know that during the timeframe of the late payment having happened, I was diagnosed with XXXX and got very sick. As a result, I was unable to attend work for close to a month and I had to call creditor 's to make adjustments for the time being. My niece had made phone calls to my credit cards to let them know about the situation and how because of my illness and hospital visit, I would be unable to make this month 's payment on time. AmeriHome Mortgage WAS notified during this timeframe. I believe that by SEC. 4021 Credit Protection During Covid-19, I am protected from negative information being reported on my credit report for THIS SPECIFIC incident. I want you to know that I understand my financial obligations. I have been a long-time customer and making payments on-time is a major priority for me. I unfortunately fell ill during this time and was unable to make one payment on time. There was a lot going on that I had to deal with. I hope your company is able to help me move past this tough period in my life and continue doing business with me long term. Thank you for your help.
Consumer complaint received 2021-01-28
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (WV)

My name is XXXX XXXX.This is either against XXXX or Direct Express Debit MasterCard ... 
On XX/XX/20 there were 4- {$100.00} transactions on my Direct Express card from XXXX totalling {$400.00}. Luckily I noticed it the same day. When I called XXXX, it was like they were protecting whoever committed identity theft & fraud! They could refund {$200.00} only because the other {$200.00} had been used, sent, something & they couldnt give me the information for the persons responsible. They could confirm or deny if I somehow guessed the email! What?! I don't even have XXXX products or have an ID. I use XXXX. Long story short-contact my bank. I did have email from XXXX admitting to it. Now ... 
Direct Express made me wait over 80 days for them to issue the provisional credit due 10 days after only to take it back 2 days later! I went in the hole therefore paying it the first of the month. It was XX/XX/20 & few days before. After all of this they decided since XXXX is now claiming no responsibility, they won't give it to me either! 
I've tried to contact XXXX again with no results. Why do I have to be punished for being a victim of fraud?! Please help. I'm on SSI & I'm not able to handle out {$200.00}.
Consumer complaint received 2023-12-21
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)

Re : Identity Theft Dispute and Failure to Acknowledge Accounts Dear Consumer Financial Protection Bureau, I XXXX XXXX am writing you to file a complaint against XXXX and Experian for their failure to acknowledge and address the identity theft accounts that I reported multiple times. Despite providing an Identity Theft Report and the necessary documents, the following accounts have not been acknowledged or investigated by the credit reporting agencies : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX These accounts were included in the disputes I submitted dating back as far as XXXX of this year. This puts them well outside of their XXXX threshold. I have sent the Identity Theft Report and supporting documentation multiple times, and it is deeply concerning that XXXX and Experian have failed to acknowledge these disputes or initiate an investigation. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681i, I request that any account listed on my credit profile due to this identity theft inquiry be immediately removed while under investigation by your company. It is crucial for my financial well-being that these inaccuracies are rectified promptly.

Furthermore, I would like to bring to your attention that, as per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four days from the receipt of this affidavit to resolve this matter. I expect a thorough investigation and resolution of the identity theft accounts within this timeframe.

Enclosed with this letter are copies of all relevant documents, including : Identity Theft Report Dispute letters submitted to XXXX and Experian Proof of delivery and acknowledgment ( if available ) I appreciate the Consumer Financial Protection Bureau 's intervention in this matter and request that you investigate and ensure compliance with federal regulations.

Thank you for your prompt attention to this serious issue. 

Sincerely, XXXX XXXX Please see attachments below
Consumer complaint received 2023-04-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (WA)

I recently opened a high yield savings account with Citibank using an online application after seeing it advertised on the Citibank website while managing my Citibank Visa which I have had for many years through Costco. This was the second time I attempted to set up a a savings account with Citibank. The first time was in XXXX of this year and I had an issue receiving mail at my physical address as we didnt have a mailbox and only a XXXX XXXX XXXX That account was flagged and not opened because that issue. The second time, I was able to get the account opened as I could receive mail at my physical address. After waiting a while, receiving several emails requesting I fund the account, and receiving a debit card, I funded the account by transferring funds through the Citibank app from my credit union account into the new savings account. The first amount I transferred on XX/XX/23 was {$1000.00}. I then initiated another transfer earlier this week in the amount of {$100000.00}. Yesterday I attempted to log into my account on the Citibank app and was told my access was denied and given a number to call. I called the number and got transferred to the security department. The person in that department said that my account was closed permanently due to a VPN issue ( which I dont understand ) and I would not be able to ever open an account with them. I got no other explanation and when I asked when they would transfer my money back to my credit union, they informed me that they wouldnt deal with me and that I had to call my credit union and have them deal with it bank to bank. I was told my credit union would need to call XXXX and choose option XXXX. They would also need to file a Hold Harmless to get the funds returned. When I called my credit union they said they had never heard of such a thing. I was told by my credit union the funds were transferred through Citibank and they had no way of stopping the {$10000.00}. XXXX transfer from earlier in the week. I have not heard back from my credit union. I dont know what to do as Citibank wont talk to me. Please help! Thank you!