davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MI)

I had a CITI Bank Credit Card and a Costco CITI Bank card. I asked CITI to put me on a payment plan for the CITI card. They put me on a XXXX year plan to pay it off. When my COSTCO CITI card came up for renewal they closed it. I had never been late on a payment and had always paid more than the minimum amount. I called them and they said they couldn't do anything about it because it was closed. I have had a Sears Credit Card since XXXX. Recently CITI Bank took it over. It was up for renewal and I received a letter stating they were closing it for Unsatisfactory credit and/or derogatory public record references. It is paid off, I have never been late on a payment since the card was opened in XXXX and according to XXXX my credit rating is XXXX as of XX/XX/XXXX. I have tried to contact CITI, but because the card is closed I can not get through to talk with anyone. I believe CITI bank is discriminating against me because I asked them to put me on a payment plan for my original CITI card. Now if any of my other cards are taken over by CITI bank they just close them which is hurting my credit score. Do they have the right to just do this? After all if it wasn't for the Consumer baling them out in XXXX and XXXX, they would have gone bankrupt. Yet they can just start closing my credit cards and hurting my credit score? I also have a Home Depot credit card that was recently taken over by CITI Bank, are they going to close that too when it comes up for renewal? I just don't understand how they can close a credit card without good reason!
Consumer complaint received 2020-04-13
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL (MI)

I returned a purchased item to XXXX. I payed all but the returned amount. They contacted me the week of XX/XX/2020. I told them to please look into why my account still had not been credited for the return. The woman said she would look into it. 
The week of XX/XX/2020, they repeatedly called my XXXX year old father-in-law ( who still has a landline with a published number ). They have my contact information and have spoken with me. There is no need to continually phone a family member. They should be contacting me directly. In my research, I have found this is not legal for them to do.
Consumer complaint received 2023-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

My name is XXXX XXXX I have a Business Bank Account with XXXX XXXX in XXXX Pa I Wrote a check from that account and deposited it To a Wells Fargo Fargo Bank on XX/XX/2023 the check was in the amount of XXXX I was told that it would be cleared in three to five days I went to the bank yesterday and they told me I would not have those funds until XX/XX/2023 That is over ten days there is no reason for them to keep my money! Wells Fargo received my money from the XXXX XXXX  onXX/XX/2023 I have been a customer of Wells Fargo for over 20yrs I have deposited large amounts in the past and had no problem. I also wrote large checks to other vendors that will bounce due to the incompetence of Wells Fargo institutuion.I hope someone can provide me with some help thanks
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (DE)

I have been trying to get my Equifax credit report since yesterday and I can not get the full report, the website only shows me a summary of the information on the report. I am currently enrolled in college and they are requesting my equifax credit report for my scholarship and financial aid so its very urgent that I get my full report asap. I have tried the freeannualcreditreport site but when I got to the end the screen closed out and did not let me save my credit report and when I tried to get it again it said I couldnt because I already got one. So then I went straight to equifax website and tried to get credit report there. They advertise that you can get your free credit report but they do not allow you to get an actual report, you can just see a summary of the information and have to click each tab to see individual information. I tried tro send that to my financial aid department but they declined and said they can only accept the full report. I then paid for equifax complete which advertise being able to get free credit report daily but again its not the actual report. I called equifax customer service and had someone try to walk me through the process of downloading the full report but in the end he said they do have an actual credit report and that was the only way I could view the information. That is deceptive as their site states different and I honestly will pay for it, the report being free is not the issue there is literally no way for me to get my equifax credit report because even when I paid for it I could only view it summarized on the website. This is a time sensitive matter and I dont understand why I cant even pay for my credit report especially since I have recently been a victim of identity theft.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: S & S Recovery, Inc. (TX)

XX/XX/23 I got a call from SS Recovery over student loan at XXXX, a XXXX bill over getting committed last three weeks of school, and one wF out of fur grades meaning i owed them XXXX three years ago. I ; ve disputed the bill but decided to pay it off XXXX a month XX/XX/23 and gave them my acct number to take it out of only to have them declare XXXX delinquent on my credit reportas a write off. I want to pay the whole thing off when i can, next month, when my Dads estate is settled and I receive inheritance for sale of his house, but its already making black mark on credit report since i agreed to pay it.
Consumer complaint received 2024-01-02
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: TRUIST FINANCIAL CORPORATION (UT)

I filed a complaint in XXXX about misreporting to my credit. I have never been late. Truist simply copy and pasted their complaint findings from the prior complaint and never addressed the fact that I have a 30 day late for XXXX. They also didn't address that I discussed this with an agent in XXXX and that agent from their company stated that the 30 day late would be removed. It is still on my credit.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2200.00} XXXX XXXX XXXX Balance : {$4100.00} : XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$4100.00}
Consumer complaint received 2023-04-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The following accounts are inaccurate ; this is my third time requesting this agency update my consumer report. My report is vital to my life and personal reputation. I'm exhausted and stress every day this account reflect my Consumer Report negatively.
Consumer complaint received 2023-06-22
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. (TX)

My information was released to the public in the XXXX data breach years ago which caused someone to open up a lot of unauthorized accounts. I submitted all of my proper paperwork to the credit bureaus a year ago but the willfully ignored my disputes and continued to report and furnish these fraudulent accounts on my credit report. i need these removed immediatly becuase they are ruining my reputation with the banking system
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof for the creditor bank account that I didnt pay and was marked late because this is clearly a billing error.
Consumer complaint received 2023-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hunt & Henriques (CA)

this collectors are harassing and abusing me by calling repeatedly 5 to 10 times a day and at XXXX and XXXX they are constantly are threatening me constantly to pay them with gift cards from XXXX XXXX  or send them money from XXXX XXXX . they said they will come by and arrest me cause they have the power to arrest anyone if i don't have the gift card ready for them when they come by the house. I already told them i do not owe you anything. I'm a victim of Identity theft, I have no knowledge of any account debt at all. Do not contact me. they keep harassing me..to pay them with gift cards. Please help... I have a XXXX  I am a XXXX XXXX
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2400.00} XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

NewRez took over servicing from XXXX. 

When I call NewRez at their loan servicing toll free number the call center IVR states that call will be recorded as my call to them is related to a debt collection. When I reach an agent they state that the call will be recorded as it is in regards to a debt collection. 

Since my loan is not in default stating that the call is being recorded as it relates to an effort to collect a debt is not valid.
Consumer complaint received 2023-10-18
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: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TN)

I have been affected by Covid-19, my employer was closed because of the pandemic for several weeks and when I did return to work my hours were reduced. I'm a XXXX at a XXXX and our work hours are reduced because of the pandemic. I have provided documents to Mr. Cooper for mortgage assistance several times because of the reduction of my work hours. Mr. Cooper is refusing to assist me with mortgage assistance and base my mortgage payment on my current salary. I recently resubmitted my request with my financials I don't want to lose my home. Thank You
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$68.00} XXXX XXXX  XXXX XXXX {$7800.00} XXXX XXXX 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 Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$68.00} XXXX XXXX  XXXX XXXX {$7800.00}.
Consumer complaint received 2023-10-18
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: EQUIFAX, INC. (TX)

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 2020-04-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: American Financial Network Inc. (NC)

I'm a prospective home owner that engaged American Financial Network ( " AFN '' ) for a mortgage. The first few weeks were smooth sailing until we approached closing - AFN charged me over {$6000.00} for an interest rate fee lock and this was not previously disclosed. I had a conversation with my loan officer and I asked what closing fees would be associated with the mortgage and they said a fixed flat rate ( which was under {$2000.00} ), and now that I'm XXXX  with the deal with a large due diligence amount, they decide to add a $ 6,000+ charge for an interest rate. I'm not a legal expert when it comes down to mortgages, but this just does not seem right. Further, my loan was supposed to close on XX/XX/2020. It is now XX/XX/XXXX and the loan still has not closed. Every few days I receive an update that the " loan will close tomorrow '' but it has not closed. I have been living with a friend since XX/XX/XXXX since I was relying on AFN to close the mortgage on time. Loan officer goes MIA for 7-12 hours at a time without responding. I've tried contacting their production manager and they do not respond either. Very unprofessional company as a whole.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following fraudulent items ASAP Im 4 business days of receipt Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the fair credit reporting act XXXX XXXX # XXXX- has violated my rights. 
15 U.S.C 1681 SECTION 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX # XXXX  XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; DEPT OF ED / XXXX XXXX  Balance : {$0.00} ; DEPT OF ED / XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$4300.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$66000.00} ; US DEPARTMENT OF EDU XXXXXXXX Balance : {$3600.00} ; US DEPARTMENT OF EDU XXXX Balance : {$2900.00}. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-10-18
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)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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