davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-28
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)

TransUnion, I am a victim of identity theft and have fraudulent information on my credit report which needs to be removed immediately. 

Attached are : - drivers license - social security card - address - complaint - ftc report Have these items removed immediately.
Consumer complaint received 2021-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (CA)

In XXXX XXXX, while in the midst of refinancing my home in XXXX XXXX, Calif., I reviewed my credit report and noticed a collections charge off in the amount of {$4000.00} for an apartment complex in Georgia I have never heard of. 

On Monday, XXXX XXXX, XXXX, I contacted National Credit Systems , Inc. in XXXX, GA, the collections agency associated with this charge, to dispute the charge. The name listed on the charge is not my name, and I have never lived, worked in, or even visited Georgia. They said they would send me a fraud package to fill out. 

What I received was a letter dated XXXX XXXX, XXXX, informing me they had investigated my dispute and had not received information sufficient to validate it. They said their creditor had previously validated the debt as well. They enclosed a move out statement from XXXX XXXX XXXX XXXX XXXX. In XXXX, XXXX, with detailed costs totaling {$4000.00}. 

At this point, I am providing them with further documentation for my dispute. But because they have already failed to send me their fraud package before investigating their claim, I do not have any confidence they can be trusted to do the right thing without involving the Consumer Financial Protection Bureau.
Consumer complaint received 2023-11-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (VA)

Shellpoint / NewRez has not applied a payment made on XX/XX/2023 for the XXXX Payment to my mortgage account ( XXXX ) ( note that the check was dated XX/XX/2023 ) On XXXX and XXXX XXXX proof of payment was provided via screen shots of my wife 's XXXX XXXX XXXX XXXX ( XXXX ) Account. 

On XXXX and XXXX XXXX proof of payment was provided via copy of the XXXX check cashed by Shellpoint/NewRez on XX/XX/2023, a letter from XXXX stating XXXX the check was sent and cashed and the correlating funds were removed from my wife 's XXXX account. 

On XXXX XXXX, I contacted Shellpoint again, because the payment was still not reflected on the mortgage statement. Shellpoint responded with a letter that they could not find any error in billing, even though the XXXX check was cashed, and XXXX provided a letter stating such. I made an ADDITIONAL payment on XXXX XXXX, to avoid a late fee, and any negative impact on my credit, but I DO NOT CONCEED that the XXXX payment was not made on XX/XX/2023.
Consumer complaint received 2023-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (GA)

We paid our XXXX payment through the mail and it was received and credited incorrectly by Mr. Cooper on XXXX. 
Our intent, as stipulated with the check of {$2700.00}, was that {$2000.00} was to be applied to our principal balance, and {$770.00} was the mortgage amount due. 
Mr. Cooper acknowledged receipt of the check, but after paying the mortgage balance, credited an escrow account for {$770.00}. 
All on XXXX. 
We have no escrow with Mr. Cooper. 
The balance of the {$2000.00} less {$770.00} was credited to principal. 
Repeated phone calls to almost ten representatives over the past almost two months resulted in assurances by them that it was being corrected, but never was. 
On Monday this week, XXXX, XXXX representative, XXXX did provide some satisfaction taking the XXXX payment and allocating it correctly. 
Today, XXXX, XXXX XXXX, ( name he gave ) was lying to us again and hung up.
Consumer complaint received 2023-11-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (TX)

Citi Bank locked my wife 's 4 accounts and my 1 account on ~ XX/XX/. 
On XX/XX/XXXX, my wife contacted Citi Bank and was transferred to several departments, ultimately Fraud, and worked with the representative to clear the fraud concerns. 
XXXX XXXX, Citi Bank and my wife all concluded to reinstate the accounts. My wife in short had to transfer XXXX to place on a new car XXXXdown payment ) as we awaited XXXX to send checks for totaled vehicle. 
Then my wife deposited the first XXXX of XXXX back into Citi Bank savings and the account was flagged. 
This was all discussed and cleared for reinstatement on XX/XX/. 
The ( Back Office ) for Citi Bank still closed the accounts, locking our " XXXX from us, not allowing us to have the funds for 30-60 days. 
Citi Bank also neglected to share with us the reasoning for the closing of accounts as they only said fraud. Stating you will get a letter in the mail. 
This does not help us as they have `90 % of our liquid savings and there is no reasoning for fraud as documented with several Citi Bank representatives.
Consumer complaint received 2023-11-15
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY (OR)

I wanted to refinance my loan for a lower interest rate. I had been XXXXXXXX XXXX Wells Fargo for XXXX months. I was all set to close after XXXX months and was told that because of a prior bankruptcy I was not eligible to refinance. I was told in the beginning I could skip XXXX payments. I was told right after the denial that my house would be foreclosed on if the payments werent made. So my XXXX children and myself were forced to move
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (GA)

My name is XXXX XXXX, and I first want to thank you for taking the time to read this complaint. Ive had a great experience with CB INDIGOXXXX and my goal is to maintain the relationship weve built over the past XXXX years. I recently pulled my XXXX and XXXX credit report and discovered I have a late payment that was reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX for my CB INDIGO/XXXX Credit Card . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I mailed CB INDIGOXXXX several letters informing them of my financial hardship at the start of the XXXX XXXX Unfortunately, the XXXX XXXX has brought unforeseen circumstances into my life. As a direct consequence of the XXXX, I lost my job, resulting in a sudden loss of income. The financial strain caused by this unexpected situation has made it increasingly difficult for me to meet my financial obligations, including making timely payments on my CB INDIGOXXXX XXXX . 

I would like to express my deepest sympathies for the lives lost and the hardships endured by individuals and communities worldwide due to this unprecedented health crisis. The XXXX XXXX has had a profound impact on all aspects of life, including the global economy and the livelihoods of countless individuals. I want to acknowledge the impact of the XXXX XXXX on individuals and families worldwide, including myself. Unfortunately, I lost my job due to the economic downturn caused by the pandemic. As a result, I faced significant financial challenges and was unable to meet my financial obligations, including my credit card payments. 

Congress passed the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) to minimize the impact of the XXXX XXXX and to provide relief to individuals affected by the XXXX XXXX. Under this legislation, there are provisions that protect consumers ' credit reporting during this challenging time. The XXXX XXXX requires creditors to report accounts as current if the account was current before the consumer requested an accommodation, such as a forbearance or modified payment arrangement, due to XXXX hardships. This protection is crucial for individuals like me who have experienced financial difficulties beyond our control. 

I am currently in the process of securing a mortgage, and my mortgage loan officer has advised me that removing these late payments from my credit profile would significantly enhance my creditworthiness and increase my chances of approval. For that reason, Im requesting an Accommodation under the XXXX XXXX 

I desperately need this mortgage and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit reporting agencies to update these late payments. 

Account Number : XXXX XXXX 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 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: R & B Corporation of Virginia (VA)

as a consumer, I did not conduct any of those transactions I did not authorize any of those I demand immediately that those accounts be removed or each account that is reflecting on to my report, I will restart requesting {$1000.00} for each inaccuracy that has been reported onto my consumer report.
Consumer complaint received 2023-11-15
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (GA)

I have attempted to resolve this issue on numerous occasions with the Care Credit card that is issued by Synchrony Bank. 

I made a standard purchase on XX/XX/2023 in the amount of {$120.00}. I made a payment in full on XX/XX/2023 in order to avoid interest and to remove the standard purchase from what is owed in total. I contacted Care Credit and had them allocate the payment to this purchase. It appears the allocation posted on XX/XX/2023. I have highlighted these transactions on the attached statement. 

I have contacted Care Credit by chat and by phone several times. Each individual tells me they have resolved the issue but the balance has yet to be cleared. 

As of today, the purchase is still open with a {$39.00} balance and I am being charged interest.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-16
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. (MI)

My XXXX  credit card was used fraudulently in XX/XX/2015. I had no idea the card was used. By the time I found out, I paid the balance but XXXX put a 30-59 day late on my credit report.
Consumer complaint received 2023-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (NY)

Barclays bank decreased the credit limit on my Jetblue plus card by {$6100.00} and made my utilization go near 100 %. I have made all payments on time and never had an issue with this bank until now. This has caused my credit score to tank and I have been a reliable customer with this card for over XXXX  years. I complained to the XXXX  in which they left an office phone number to call and promised a response in XXXX hours, yet they never returned my calls and clearly are pulling some sort of scheme. It is impossible to reach them or receive a resolution to any issues.They are clearly trying to get my card to go over the limit now that I have hardly any available credit left so that they can charge me extra fees.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I called Wells Fargo to see why a {$7700.00} check deposited on XX/XX/year> would have a hold until XX/XX/year>. Then on XX/XX/year> I was told that the hold was extended until XX/XX/year>. I called Wells Fargo today XX/XX/year> asking why the hold was so long. I was told that my wife bank flagged the deposit as suspicious and they needed extra time to verify the money. My wife checked her account online and seen that the funds was taken out of her account with a check image. While still on the phone I told the Wells Fargo rep that the money was taken out of my wife account. She then said for my safety they still needed to verify the funds. My wife then called her bank and told them that Wells Fargo told me they flagged the deposit as suspicious. XXXX XXXX XXXX then said they have no notes in their system stating that. I relayed what the XXXX rep said and the WF rep still said it was XXXX XXXX XXXX flag. They then gave me options of stop payment on the check and then write a new check. I don't get why when the funds was already released and taken out of my wife 's account.
Consumer complaint received 2017-05-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (CA)

THIS WAS RESOLVED YEARS AGO WITH  XXXX  FOR {$270.00} WHICH I DO N'T KNOW WHY I OWE BECAUSE I PAID MY BILL IN FULL THEN YOUR COMPANY BROUGHT THIS ACCOUNT AND PUT A NEW DATE ON IT LIKE IT JUST HAPPEN THIS WAS OVER 9+ YEARS AGO I 'M WITH THE COMPANY THAT BROUGHT  XXXX  AND IF I OWED ANY MONEY YOU WOULD THINK THEY WOULD HAVE NOT GRANTED ME SERVICE, FOR AS I 'M CONCERNED YOUR COMPANY IS JUST OUT HERE DOING WRONG TO HARD WORKING AMERICAN AND NOT DOING YOUR JOB CORRECTLY JUST PUTTING ITEMS ON PEOPLE ACCOUNTS.   I DO N'T HAVE ANY PAPERWORK SHOWING ME HOW THIS {$270.00} BILL WAS CALCULATED SO I SUPPOSE TO JUST PAY FOR SOMETHING I DO N'T OWE, COMPANY MAKE MISTAKE ALSO LIKE  XXXX .
Consumer complaint received 2017-05-08
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. (CO)

XXXX   has put a security freeze or ID theft alert on my credit report without my authorization. They did this because i caught them in a lie about information they are reporting. This alert is impacting me from getting credit and they know it and they are violation federal law.     Experian is the one who put the fraud alert on the report then they notified   XXXX   and  XXXX  to do the same.     I DID NOT AUTHORIZE ANY FRAUD ALERTS OR SECURITY FREEZES AND THEY ARE TO BE REMOVED IMMEDIATELY. THEY ARE SAYING THAT I HAVE TO SEND IN A WRITTEN REQUEST THIS IS INCORRECT, THEY DID A FULL ID VERIFICATION ON ME AND STILL REFUSE TO TAKE THE ALERTS OFF MY REPORTS.     THIS GOES FOR ALL  XXXX  BUREAUS.
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (MA)

I was offered a promotional rate of 3.99 % on purchases. I had 2 fairly large purchases that i planned on making with the card. One was for tuition for $ XXXXThe other was for car repairs on my finance 's car. I had signed up for the promotion. Subsequent to signing up for the 3.99 % rate, I made the above two purchases and thought I made the purchases with the 3.99 % rate in place. I come to find out that I was not given that rate on those purchases. Instead, they charged me over a 29 % annual rate on those purchases. I called the credit card company to resolve the issue. I spoke to a very nice women that tried to help me and she reached out to 2 of her colleagues. I told her I would have never made those purchases using the credit card if I had known I would be charged a rate in excess of 29 % annually. She claimed she had no record of me accepting the rate prior to making the purchases and that only after I made those purchases that I accepted the rate. This was not true. This is a Jet Blue Master card. Barclays is the bank.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-11-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc. (AZ)

I was never notified that I had an opportunity to dispute this debt. This has been added to my credit report and they haven't even sent me a notice validating the alleged debt -- This company is in clear violation of the credit collection laws -- also they never even stated if they can collect in my state, and they have never even confirmed that the statute of limitations have run out for this debt According to FDCPA codes ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ;
Consumer complaint received 2024-05-01
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: SANTANDER HOLDINGS USA, INC. (PA)

Chrysler Capital Hard inquiry for auto loan was added to credit report on XX/XX/2024. The reporting date appears to be XXXX XXXX. This information is inaccurate and appears to be fraud. Please remove from my credit report at your earliest convenience.
Consumer complaint received 2024-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Caliber Home Loans, Inc. (FL)

After about 6 plus hours on the phone with my homeowner 's insurance company, XXXX, we realized that Caliber Home Loans ( my previous servicer who sold the loan to another company in XX/XX/2023 ) never paid my homeowner 's insurance for XXXX XXXX. I had changed policies from an HO policy to a DP policy for this new renewal. They paid the amount of {$10000.00} to XXXX in XX/XX/2023 and put it to apply to the old HO policy. They also paid the next day the difference owed for the DP policy, which was {$640.00} to the DP policy ; so they obviously got the bill for the new policy and the changes. 
I received a refund from XXXX for the XXXX for the HO policy and called and was told the mortgage company needed to pay that amount to the proper policy, the DP one. I called Caliber and got the information of where to send the check, how to get it applied to escrow properly, and told them they need to pay XXXX properly. I sent the check with the memo clearly stating " Apply to Escrow '' and my account number, as I was directed on the phone by Caliber. 
Turns out that this was never done. They applied it to principle, which I did not know. XXXX never got paid. Now they ( Caliber ) sold the note, the new lender can't do anything. XXXX applied this year 's escrow to last year 's insurance amount due, and I still owe for this year over {$10000.00}. I can not afford this and want Caliber to pay the amount that should have went to escrow and pay XXXX properly. I can not pay double insurance and will lose my home if my escrow goes up almost {$1000.00} more next year, as it went up approximately {$1500.00} this year as it stands. Caliber needs to fix their error. 
I can not call them, as since they sold the note, their automated system will not allow me to speak to someone no matter what I do. I reported them to the XXXX about this but they didn't respond. I NEED THIS TAKEN CARE OF ASAP AS I AM PAST DUE OVER A MONTH ON MY INSURANCE DUE TO THEIR ERROR.
Consumer complaint received 2023-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.