davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (WI)

I have been a victim of identity theft and have reported this to the CFPB, the police, and The credit bureaus in XXXX. My purse was stolen with my social security card and identification. My identity was stolen and used to open an account with XXXX. In XX/XX/XXXX I noticed XXXX XXXX on my credit report for {$1700.00}. I reached out to the company to let them know that I was a victim of fraud and I reached out to the credit bureaus as well. The account was removed from my credit report. However at the end of XXXX the collections account was sold to Jefferson Capital System and they started falsely reporting this account on my credit report again. I sent letters to the company and have called severals time and they have yet to respond. I am asking that you help me rectify this problem. I have reported this to the police again XX/XX/XXXX. The company is reporting different account numbers on all three bureaus. Please help me with this matter.
Consumer complaint received 2022-10-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX OF XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX SELF-REPORTED Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account XXXX : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-10-18
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. (MI)

I have disputed a fraudulent account ( XXXX ) with TransUnion on the following dates. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Their response is the information was verified. I have contacted XXXX multiple times, I can't access the account because my information does not match their information. I have flagged this account through XXXX, filled out their fraud paperwork and did disputes about this account. I have never had XXXX XXXX or owned a XXXX device. I have had XXXX XXXX for the last XXXX yrs if not more. Furthermore the opening date on this account is incorrect. This account was opened somewhere around XXXX. I never paid on this bill because I didn't know it existed until it showed up on my credit report in XXXX or XXXX.
Consumer complaint received 2022-10-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. Its been well over 30 days and nothing have been corrected. I feel my rights are being neglected and my issues are being ignored. Per 611 ( a ), a failure to investigate within 30 days justifies immediate removal of theses items from my credit report. It has been well over 45 days so I would expect the items to be deleted ASAP. I demand proper action be taken and these accounts be deleted immediately or I will file for litigation due to the mental and financial stress caused. Additionally, my information could have gotten in the wrong hands due to the Equifax data breach.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (NY)

I contacted Barclays Bank at XXXX on XX/XX/2023 as a follow-up regarding a charge dispute. I received a response from staff member XXXX on XX/XX/2023 which was unclear. I called several times to Barclays and emailed them on XX/XX/2023, XX/XX/2023, and XX/XX/2023 with no response.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA (OH)

I have been in a dispute for over a year between my apple card ( goldman sachs ) and XXXX The current dispute case numbers are as follows ; XXXX ( {$92.00} from XX/XX/XXXX ) XXXX ( {$75.00} from XX/XX/XXXX ) in early XXXX it was discovered my XXXX account had been compromised and nearly {$400.00} ( {$390.00} ) worth of fraudulent charges were made. I reported these to apple/goldman sachs and was refuned all but the two amounts listed below. Since then, I have been fighting and disputing these charges. The case is opened then two months later the charges are found to be " valid '' by apple. I've contact XXXX with no resolve, even filling out an affidavit of theft and submitting it to goldman sachs along with all conversations between myself and XXXX and myself and goldman sachs. I don't know what to do anymore. This is theft and I'm at my wits end for getting this resolved. I would be happy to submit all evidence I have regarding these charges. Below are the dates for all the charges : XX/XX/XXXX {$10.00} XX/XX/XXXX {$75.00} XX/XX/XXXX {$38.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$70.00} XX/XX/XXXX {$11.00} XX/XX/XXXX {$39.00} XX/XX/XXXX {$92.00} XX/XX/XXXX {$45.00} Again, I have all sorts of conversations and evidence to submit if you need it.
Consumer complaint received 2022-10-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the Experian and XXXX credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} and XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, I got a refund check of {$2.00} from American Express. Here I quote the words written on the letter : ******************************** What happened Because of a technical error, we didn't issue Membership Rewards points you earned in a timely manner. We apologize for this error and for any confusion it may have caused. 
******************************** No idea what this means asvery limitedinformation was provided. Please give me a detailed explanation of what happened : For example, when I earned points? How many points? and Why those points were not awarded so far? What is the exchange rate of points to cash?
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Someone changed my address on file, mailed at debit card to the changed address, then deposited fake check through mobile deposit. 
First check was {$9800.00} then another for {$3000.00}. Also {$3000.00}
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an credit card account opened at XXXX opened on XX/XX/XXXX account number ( XXXX ) an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ), a credit card account opened at XXXX opened on XX/XX/XXXX, account number ( XXXX ), XXXX XXXX opened on XX/XX/XXXX, account number ( XXXX ), an XXXX XXXX account for XXXX XXXX XXXX opened on XX/XX/XXXX account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD)

The company promises to transfer the money promptly and they charged 8 dollars for the transfer. They give locations where recipient should present the reference number and be paid. My recipient presented to the bank and was told he can not get the money unless he opens an account. He could not meet this requirement and they denied him the money for three days.

On contacting MoneyGram, they agreed to refund the money minus the charges paid. My question is why charge for a service not completed? The company failed to provide information about the requirements of the bank where they were to send the money. 
Why is this company allowed to behave this way? Had I sent a large amount, my loss would have been more than the XXXX dollars.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX was informed that they were falsely reporting to the credit bureaus and that by doing so it was negatively impacting my credit score. I was informed that the account updated and reflected a {$0.00} balance. I informed that I would need a police report validating that the account was fraud. That's the only time they delete accounts from the credit bureaus.
Consumer complaint received 2023-11-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (GA)

Called Wells Fargo requesting information on a charge to my account had the agent be very rude. Over talk me and hang up in my face on XX/XX/23 around XXXX. I never got the information on why a dispute was denied because of rude  XXXX  agent.
Consumer complaint received 2024-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (DC)

I had many problem free years with my mortgage through XXXX until recently they were acquired by Newrez and my mortgage servicing was transferred to Newrez. Since then, I have been unable to access basic account information, statements, etc. online and the company has been unresponsive in attempts to resolve. 

But the complaint relates to erroneous, predatory, lender placed insurance that recently appeared on my account. At the beginning of XXXX, I noticed that {$2000.00} had been debited from my account as part of the automatic monthly payment that I have set up, whereas my monthly payment for my mortgage had always been {$1700.00}. I called the company on XX/XX/XXXX seeking an explanation and correction. They claimed to have sent me communication by snail mail informing me that without proof of insurance they would put lender placed insurance on my loan. I never received this communication and they admitted they never attempted to contact me at the email address or phone number that they have on file. I explained to them that I am not a homeowner, but a shareholder in a cooperative, that the hazard insurance lives with the co-op, and that my requirement is to insure that which is inside the walls, which is a modest policy that a ) I have maintained active and b ) costs less than {$300.00} a year due to the limited protection required. Of course, the cooperative has actively maintained all required hazard insurance, etc. as well. I was assured someone from the insurance department would reach out to me to confirm the active policies within XXXX days, which never happened. 

I have since called multiple times to try and resolve, most recently on XX/XX/XXXX, and every time I call they have no record of any of my prior conversations or attempts to remedy the issue. I have sent proof of my own policy covering the interior of the apartment as well as the policy maintained by the coop and have received no response. They claim to have attempted to verify insurance but no one -- not at the coop or any of the insurance providers has any record of correspondence from the lender. 

If you search reviews of the lender, it's clear that this is a common predatory practice. That they don't make a good faith effort before forcing ridiculously priced insurance on already covered homeowners is not a coincidence, but an intentional business practice.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (LA)

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorizations, I the consumer may have given you written, unwritten, verbal, and nonverbal, per 15 USC 1602 effective immediately. The privacy act of 1974 explains that it is illegal to report transaction history. Not to mention as you can see from the attached snippet the account is paid off. The information reflecting on my credit is not accurate. It should be {$0.00}. This has affected my mental health greatly, especially since my utilization is high, other businesses would not work with me.
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (DE)

I have the XXXX XXXX credit card issued by Comenity Bank. I have had it for years and never been late. In XXXX 2022, I made a shoe purchase at XXXX for a total of {$110.00} and received the wrong size. Therefore, I spoke with customer service returned the shoes and included in the return box the explanation with a request for full credit. XXXX issued a partial credit for {$110.00} on XX/XX/XXXX22 based on what they called an oversight on their end. Per the {$7.00} balance, I have been charged {$90.00} in interest charges and late fees. My account was suspended, I have not been able to use it. I have been reported as delinquent to the credit bureaus. I called XXXX on a couple occasions, and was told I have to go through a disputes process. Despite the dispute the delinquency remained with additional late fees. XXXX XXXX finally issued a credit to the account for {$7.00}, which posted on XXXX/XXXX/2022. I need the interest, late fess, and delinquent history removed with a correction sent to the reporting agencies as soon as possible. I feel I've been treated unfairly and harmed as a result of not being issued the full credit on a timely basis.
Consumer complaint received 2023-05-26
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately. Thank you. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (SC)

in accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ACOUNT NAME XXXX XXXX XXXX Credit Acceptance Corporation XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX U S Department of Education XXXX XXXX XXXX
Consumer complaint received 2022-10-18
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. (CA)

This is my FUTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-16
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (NY)

End poverty Citibank for HomeDepot will not extend COVID19 relief letter states too many accounts with high balances/ bankruptcy ETC reduced credit score isn't always the case-I still asked for the relief while making payments what I could if not in full but they won't wave the late fees. I am struggling to make payments and do not want to want away from my debt/responsibility. You claim underwater they give add weights we drown. Life is not bankruptcy but a meeting of the minds help customer to stay current with debt payments but it's all based on your creditworthiness. A system designed to further penalize and thus impoverish/ ruin instead of a hand up. I just want to get current they won't wave the late fees claim same reasons for denying any more COVID 19 relief.
Consumer complaint received 2022-10-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent letters out to all XXXX credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-10-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2022 and XX/XX/2022 I sent letters regarding inaccurate and unknown things on my credit report. To this day over 90 days later I have not received a response yet. I feel like Im been taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days gives reason to immediately remove those items from my credit report it has been over 90 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the person.
Consumer complaint received 2017-01-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MA)

XXXX Mortgage foreclosed on my home on XXXX/XXXX/16. I receive notice from Nationstar Mortgage in the past few days looking for payment on my " account. '' XXXX sold Nationstar an already foreclosed upon mortgage on XXXX XXXX, 2016, pursuant to my conversation with Nationstar.