davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-18
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: Experian Information Solutions Inc. (LA)

I sent a dispute to Experian in regards to my inquiries on XX/XX/XXXX and I still havent got a response in regards to any of my inquiries that were listed on the letter.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SS NUMBER ENDING IN XXXX
Consumer complaint received 2021-06-18
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. (TX)

I have sent several letters for accounts to be verified and validated with the credit bureaus. 

Not only have I not received a notification stating that they accounts would be looked into for their accuracy for reporting, bM For the following accounts : I am enforcing my Consumer Rights allowed by my Federal and state laws. I need you to verify all evidence from the furnisher that what they are providing you is legally acceptable and substantial proof in order for your decision for each account to remain. You are not allowed by law to speak or enact on my behalf as this is fraud, and that my friend is a major violation of the law. You need to have evidential proof or documents that you and the furnisher are made aware of the correct way of verification. Make sure that their information is compliant and proven. If not, I demand that you delete this illegal information immediately. This is the letter i sent to the credit agencies for the following accounts : XXXX XXXX : XXXX This account is showing a high balance of {$1100.00}, but it is saying that I am also past due that amount. This information is incorrect. 
XXXX : XXXX I have asked for this account to be verified that the information reporting is correct. The agency has failed to do so. The account is showing on 1 report it is 120 days late on the other agency it is reported as a collection.
Consumer complaint received 2021-06-18
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (NC)

I went to a XXXX XXXX and tried to apply for their credit card and when asked for my social security, it showed on their screen someone was already one file with the same social security. And they told me I could get the credit card because someone already had one under my social security.
Consumer complaint received 2021-06-18
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. (FL)

I am a victim of identity theft and have communicated to the credit bureaus and creditors with no resolution. The accounts have remained on my credit despite affidavits and multiple tries to have this resolved with the credit bureaus. The following accounts have remained on my credit report. 
1XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.XXXX  XXXX XXXX XXXX 4.XXXX  XXXX XXXX XXXX 5XXXX XXXX 6.XXXX  XXXX  XXXX XXXX 7XXXX XXXX XXXX XXXX 8 XXXX XXXX XXXXXXXX 9.XXXX  XXXX XXXX 10.XXXX XXXX XXXX XXXXXXXX PLEASE help me resolve this issues and remove these fraudulent items from my credit report.
Consumer complaint received 2023-02-04
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. (GA)

I am a natural Person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts below be removed because According to 15 USC 1681 : I have rights to privacy and I did not give Equifax written permissions to furnish these accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I was recently released from Florida Department of Corrections after being XXXX  for XXXX years and XXXX months. I had a friend help me with my credit profile so I can begin to build my credit so I can obtain housing after being locked up for so long. She went to pull my credit reports and noticed there was a collections account from XXXX XXXX which had been sold to Portfolio Recovery due to non payment. According to my credit profile, the card was opened in XXXX and placed in collections in XXXX. I was arrested back in XX/XX/XXXX and was not released until XX/XX/XXXX so there is no way I was able to open a credit card in my name especially because in XXXX we did not have access to the internet. I have proof that I was XXXX  the entire time. I called Portofolio Recovery on XX/XX/XXXX and the young lady on the phone provided me details about the charges and the account which I have no knowledge of. The address that the statements were being sent to was not my last known address before I was arrested. She stated they will start a dispute being that I was XXXX  but not sure if they will actually remove the collections account. I did not open a credit card account with XXXX XXXX being that I was in prison for XXXX  years and XXXX months.
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft and have communicated to the credit bureaus and creditors with no resolution. The accounts have remained on my credit despite affidavits and multiple tries to have this resolved with the credit bureaus. The following accounts have remained on my credit report. 
1.XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.XXXX  XXXX XXXX XXXX 4.XXXX  XXXX XXXX XXXX 5.XXXX  XXXX 6.XXXX XXXX XXXX XXXX 7.XXXX XXXX XXXX XXXX 8 XXXX XXXX XXXX 9.XXXX XXXX XXXX XXXX CREDIT UNION XXXX PLEASE help me resolve this issues and remove these fraudulent items from my credit report.
Consumer complaint received 2022-02-20
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: EQUIFAX, INC. (GA)

Due to malpractice by your company I'm being taking advantage of completely ... ..according to the fcra... this has made my life stressful financially and this is also deformation to character... I've been unable to obtain any new credit because of this
Consumer complaint received 2021-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XXXX of XXXX I used a convenience check offering a 0 % interest rate for 18 month XXXX as I did with several other checks that year XXXX from Capital One credit card. In XXXX of XXXX a finance charge of {$130.00} was added to my account. I had recorded that the terms would not be changing until the end of XX/XX/XXXX. I called and disputed the charges in XXXX. From XXXX to XXXX I spent many days calling to resolve the charges. In XXXX I paid the entire amount owed on the account including some of the finance charges I was disputing ... XXXX {$10000.00} XXXX. In XXXX I was charged {$56.00} and XXXX {$7.00}. I wrote a letter to Capitol One in XXXX explaining that I should have never had ANY finance charges and I would like for them to research it and credit it back. I even paid over {$100.00} in wrongfully charged fees and would like the other fees removed. I received a letter back stating that they submitted my request to the appropriate department on XX/XX/XXXX. Since then I continue to receive late fees and interest charges and there has been no resolution. It has been over two months without another letter or phone call. I tried calling today XXXX XX/XX/XXXX ). I spoke with several people that said they could do nothing. I have read that late fees and interest fees should stop while researching the original dispute ( which never has happened ). Now my balance is over {$200.00} in fees.
Consumer complaint received 2021-06-18
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. (CA)

There are three accounts on my credit report they are not mine and they are hurting my credit I have not signed authorized or used any of these accounts.

XXXX XXXX XXXX XXXX XXXX XXXXunt XXXX Amt {$350.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Account XXXX Amt $ {$1600.00} Opened XX/XX/XXXX XXXX XXXX - Account XXXX Amt $ {$450.00} Opened XX/XX/XXXX XXXX
Consumer complaint received 2021-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (SC)

XXXX XXXX A XXXX  credit card was open using my name. I did not know about this credit card debt until I got served with judgement papers on XX/XX/XXXX. I called the company which did not even had my whole first name. I asked them to send proof this debt was mine. XX/XX/XXXX I received over 300 pages of account statement all date starting on XX/XX/XXXX. According to XXXX XXXX XXXX XXXX  I made a payment on the amount of {$160.00} dollars on XX/XX/XXXX. I send then a reply to judgment with my partial bank statements ( all personal information was left out as well as my bank routing and account number ) that proves I never made a payment to XXXX  credit card as they mention. or neither I have paid anything on this debts because its not mine. On my conversation on XXXX, XXXX with XXXX and associate debt collector i told then not to contact me no more by phone or mail. And I am willing to hire a lawyer to represent me on court in regard to this matter.
Consumer complaint received 2021-06-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (MO)

Understanding from my original home mortgage loan lender. I could request the PMI insurance removed once I've paid down to 80 % of loan value. My mortgage loan was sold to Planet Home Lending within months after getting the loan. I contacted Planet Home Lending in XX/XX/XXXX about removing the PMI. I got a response from Planet Home Lending, informing me of the 80 % loan amount to have the PMI dropped. Now, I have met those requirements, and requested the PMI removed. Planet Home Lending are saying I do not meet their requirements. I have a copy of the email from Planet Home Lending, stating the only requirements to be made. I will like Planet Home Lending to honor their word per email response. I have copied the email for viewing ... .. 


XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX to cs On my home loan # XXXX, what is the amount needed for my PMI removed? How do I get my PMI removed on my home mortgage? I would like to pay down the house, so I can get the {$59.00} mortgage insurance removed. Thanks! 

XXXX XXXX XXXX, phone : XXXX XXXX XXXX XXXX XXXX XXXX Mo. XXXX cs_m XXXX XX/XX/XXXX, XXXX PM to me Thank you for contacting Planet. 

We apologize for our delay in responding. 

Currently we show your loan to value ratio is at 92.7 %, you may request cancelation of MI when reaching 80.0 %. 

Based on the original amortization you were expected to reach this percentage by XX/XX/XXXX, you will reach this percentage sooner since you are adding additional funds towards principal. 

You will be at 80.00 % when your principal balance is approximately at {$200000.00} currently your principal balance is {$230000.00}. This is an estimated difference of {$32000.00}. 

If you have any additional questions, please do not hesitate to contact Customer Service Monday through Friday, XXXX XXXX  - XXXX XXXX  EST at the number listed below. 


Thank you, Planet Home Lending , LLC CUSTOMER SERVICE DEPARTMENT P : XXXX F : XXXX XXXX XXXX
Consumer complaint received 2021-06-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On Monday, XX/XX/2021, I contacted Bank of America seeking assistance in getting a duplicate mortgage payment that my credit union ( XXXX  ) had mistakenly sent. An automated Bill Pay transaction was sent on XX/XX/XXXX ( early because of XXXX XXXX XXXX ) and again on XX/XX/XXXX -- for a XXXX mortgage payment. When I notified XXXX on Friday, XX/XX/XXXX, they attempted to " stop '' the automated transmission, they advised me to contact BoA for a refund. BoA mortgage customer service and electronic services told me to have the credit union fax a statement acknowledging that the {$2200.00} had cleared my account. I provided the BoA fax number and XXXX confirmed the fax was sent and told me to allow BoA 3-5 business days. When I contacted BoA on XX/XX/XXXX they said the fax did not look legitimate, it was not on letterhead, did not show a transaction balance and they rejected it. But they did not contact XXXX nor me to advise us of the issue. When I asked BoA if it could be counted for the XXXX mortgage payment, they told they had already done that and my next payment would be XXXX. Without checking with me on this option in advance, I was expecting BoA to credit it to the principle. This inconvenience forced me to transfer funds from my credit union savings to checking to ensure all expected deductions would clear properly. I communicated with BoA AVP Resolution XXXX XXXX Escalations for Mortgage Vehicle Service on XX/XX/XXXX and did not get the response I was expecting.There is a communication problem here on how electronic payments are handled. My credit union told me that BoA has a policy to not talk with them about client electronic issues when they have attempted to call them in the past. I don't think BoA acted in good faith in trying to assist me in getting a refund in a timely manner ( between XX/XX/XXXX and XX/XX/XXXX ). Where was the ball dropped? In Customer Services? Electronic Services? What checks and balances are in place to prevent this from happening to another BoA customer. With XXXX and other hackers attacking business and financial accounts, I would think there would be a better protocol for both banks and credit unions to ensure quick recall or correct of electronic transactions is in place. Thank you.
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MT)

I was not able to get my annual credit report from XXXX or from EquiFax when I followed the procedure outlined on XXXX. I did succeed with XXXX. The other two either flat out said they were not able to provide a credit report, or insisted I mail in the request.
Consumer complaint received 2021-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc. (CO)

I received a request for payment of a debt from SIMM Associates that they indicated my deceased son XXXX XXXX owed them money. I have no knowledge of the debt so I repeatedly requested that they provide documentation to prove XXXX had an account with XXXX XXXX Bank, proof there was a balance, proof that XXXX XXXX owned the debt, and proof SIMM and Associates had the authority to negotiate or collect for XXXX XXXX XXXX or XXXX XXXX. I do not know who any of these people are and simply want them to identify their relationship and verify the validity of the debt. 

After repeated attempts I finally received a letter stating they had enclosed documents from their cliend Resurgent ... ... the letter was EMPTY, no documentation ... ... 

It took 3 days and hours on the phone to simply get through to the number provided then when I finally did the rep for SIMM asked me over 10 times to keep spelling my deceased sons name and finally said they have no record. This is an incredibly hard time emotionally for my family, we do not need to be strung along like this. I finally got an email to send the letter I received to which I immediately did ... .. and of course have had no response in two days ... ..
Consumer complaint received 2015-12-26
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (CO)

I made a payment using my Citicard rewards on XX/XX/XXXX. The bill was due on XX/XX/XXXX. They applied the rewards to the account. After getting late calls I contacted Citicard. They told me the rewards transfer does n't count as a payment. I do n't recall seeing any notice that the rewards transfer does n't count as a payment. 
I have been unemployed without benefits for 6 months. What little I had in retirement savings is gone. I 'm living on XXXX meal a day. Please help.
Consumer complaint received 2021-06-18
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. (PA)

I have a credit card account with XXXX  showing on my credit report that doesnt belongs to me. Im sure this account was fraudulently opened and I have try to dispute this incorrect information with the credit bureaus and have not heard anything back regarding this issue. Ive even filed an identity theft report with the Federal Trade Commission.
Consumer complaint received 2021-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IN)

Mailed payment ( Money Order Number XXXX XXXX XXXX XXXX via usps on XX/XX/2021 to XXXX XXXX XXXX  via Comenity Bank XXXX XXXX XXXX, XXXX, TX, XXXX. Company reports as of this date no payment has been received and they are calling me demanding payment and late charges. Payment was due on XX/XX/2021.
Consumer complaint received 2017-06-24
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. (CA)

my name is XXXX XXXX i submitted a dispute to transunion on XXXX XXXX ,2017 today is XXXX XXXX ,2017 and there is no response or update at all now ive called transunion and they hang up on me or leave me on hold like today for 3 hours and hang up the item im disputing transunion has on file # XXXX the collection agency shows a amount of XXXX $ and name of XXXX XXXX XXXX and the reason im disputing is because they have sent no proof of how they are validating my information because they have non please this has affected my credit severly and caused financial ruin with my credit in the dumps you can
Consumer complaint received 2021-06-18
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I disagree with Transunion, because I notified all proper parties that I am a victim of identity theft. Transunion responded that they verified a fraudulent account on my credit report. I would like to know how a fraudulent account can be verified. How was it verified and when.
Consumer complaint received 2021-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MD)

On XX/XX/XXXX, we attempted to ascertain a 24 month payment history online to satisfy refinancing our mortgage loan but only one year is provided and you can not print the screen. So we made a document request online to Specialized Loan Servicing ( SLS ) for this information. We then followed up with a phone call. We asked that this document be faxed to us. We never received a document. We made subsequent calls to SLS ( XXXX, XX/XX/XXXX, XX/XX/XXXX ) to advise we never received any document and requesting they re-fax, mail and email. We even provided an alternate fax number to no avail. 

On XX/XX/XXXX, we requested to speak to a supervisor and there was no available to address our concern. In the meantime, another request has been made and our refinancing has been placed on hold unnecessarily due to this delay. This is unacceptable customer service. 

Any assistance would be appreciated.