davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (TX)

In  XXXX  or  XXXX  I opened a  Sears  credit card account, used it once initially and paid it off and did n't use it again until  XXXX  of  XXXX . Accrued a balance of ~ {$130.00}, paid it down to ~ {$50.00} in  XXXX   XXXX , the next time I logged on to the credit card management website it said that my balance was  XXXX . I did not keep track of how close my balance was to  XXXX  so I just figured I had paid it off already and did n't need to bother looking at it again. Around  XXXX   XXXX  I received an email from  Sears  saying my account balance was overdue, so I log in and there is a  Sears Mastercard a ccount ( in addition to the original  Sears  Card account I had applied for ) with a balance of about {$95.00} :  XXXX  was transferred from my old account, and {$27.00} late fees x2.  XXXX   XXXX  was the first time I discovered the existence of this account, the first time I was aware that a previous balance was transferred over to it, the first time I knew it was overdue for  two  consecutive months. I then get an email from a credit monitoring service I pay for through another credit card and see that my  credit scor  XXXX  had dropped nearly  XXXX  points for a delinquent account. I do n't even have a physical copy of this card.     I spoke to Sears customer support today on the phone and they insisted they sent out mailers and the card to the address on file and said there was nothing I could do because of that and the fact that they had never received any returned mail.     My problem is that a new credit card account was opened in my name without my consent instead of being " upgraded '' like  Sears  customer support said it would be, and balances were being transferred to it without my knowledge or receiving any indications or notifications of anything happening and now my  credit score is significantly damaged because I did not make   payments on an account that I did not know was even open under my name until 2 days ago.     Attachments :  1. Sears credit card management page - shows nothing in recent activity to include the transfer between this account and the new one opened without my consent 2. S ame page as picture above showing the last statement available to me being the  XXXX  from  XXXX   XXXX .    XXXX .  XXXX   XXXX  statement 4. Enrolled in paperless statements AND letters - never received any emails about any changes to my account.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ResidentCollect, Inc. (MN)

Identity Theft Affidavit sent and This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me
Consumer complaint received 2023-07-01
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. (IL)

I have been disputing information on my credit report with XXXX since XX/XX/2023. Since then I have also disputed these same items XX/XX/XXXX and XX/XX/XXXX. Giving XXXX 30 days each to furnish proof of the requested item I disputed. Each time within 5 days the account just come back verified with NO PROOF of investigation and NO PROOF of late payments or even the accounts as I requested. I also reached out to XXXX in regards to bankruptcies that are on my credit profile. XXXX said they are only showing XXXX XXXX XXXX and XXXX is showing XXXX bankruptcies. While my XXXX is not showing any bankruptcies. Also the XXXX account is showing as a charge off with a credit limit which is a reporting violation. The XXXX and Self account are showing late payments in which I asked for proof of late payments XXXX XXXX and have not gotten it. I am requesting that these bankruptcies, the XXXX, XXXX XXXX, XXXX and XXXX XXXX accounts are removed from my credit report ASAP as they have had over 60 days to complete their investigation and furnish proof.
Consumer complaint received 2023-06-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC (CA)

Email was sent on XX/XX/23 and spoke to representatives to revoke authorization. They are refusing to comply with the request. XXXX and XXXX are the names of the representatives who spoke with me and my fianc. They said their legal and compliance teams require me to send my ID, my 3 months bank statements, and a picture of myself. This is not a requirement in my loan agreement. They are violating my consumer rights.
Consumer complaint received 2023-02-16
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)

I have no knowledge of this XXXX credit error showing on my credit report. I was a victim of Identity theft and reported it on XXXX & XXXX. I dont know if this is associate with that but this is not my debt. I have mailed out 2 request to the credit bureau and the company. I have not received a response from the credit bureau and XXXX told me they have no record of an account with me. I need this collections removed
Consumer complaint received 2022-11-21
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. (GA)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX CREDIT CARD ( Date Opened : XX/XX/XXXX, Balance : {$1700.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$700.00} ), XXXX XXXX XXXX XXXX  ( Date Opened XXXX XXXX, XXXX, Balance : {$430.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$6300.00} ), XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$980.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$670.00} ), XXXX  ( Account Number XXXX, Open Date XXXX XXXX, XXXX, Highest Balance : {$750.00} ), XXXX  - XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$300.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2017-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

In  XXXX   2017   , I applied online for a   XXXX    position in  XXXX   XXXX , TX. I was interviewed by phone and was hired to   XXXX   XXXX   XXXX   XXXX  . The owner,  XXXX , stated he needed the   XXXX   XXXX   prior to his arrival so he would be mailing me a check for my 1st week of payment. On  XXXX   XXXX     2017,  I received a check for {$2400.00}. I called the owner and he explained that {$400.00} was my advance, {$50.00} was for   XXXX  supplies,  and the remaining {$2000.00} was for the realtor as the key would not be released until payment was received. I was given the realtor 's bank account information and told to deposit after I withdrew my portion. On  XXXX   XXXX , I walked in to  Navy Federal  and spoke with  XXXX     (  teller ) and explained to her that I was afraid the check  may b e fraudulent.  XXXX  stated to me that she would go ahead a place a hold on the check to ensure that it cleared. She advised to check my account in  2  business days, if the funds were available then the check was legitimate and had cleared. To my surprise the funds were available on  XXXX   XXXX , so I went in and withdrew the funds. The same day I went into the realtor 's bank  (   XXXX   XXXX   XXXX   ) a nd deposited {$2000.00} in cash to account number  XXXX   XXXX   XXXX . On  XXXX   XXXX , I noticed my  Navy Federal CU acc ount was negative {$2400.00}. I called in to the contact center and was told that the check came back as fraudulent. I immediately filed a police report with the  XXXX   XXXX  Police Department  (  case #  XXXX   ).  I have provided  Navy Federal CU  with all the documents they have requested including a copy of the police report, however, the issue has not been resolved. If  Navy Federal CU  had not allowed the funds to be released, I would not have proceeded any further and we would not be in this situation.
Consumer complaint received 2023-06-02
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. (OH)

I have submitted disputes about unauthorized accounts, Personal information errors, and fraudulent activity opened on my credit report without my knowledge. My information was compromised during Credit Breaches. My information has been handled improperly. The inquires, collection, and personal information needs to be immediately removed. In accordance to fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 owed incorrect . Total loss paid Personal Name reported XXXX XXXX XXXX XXXX-error XXXX XXXX All reports XXXX XXXX XXXX XXXX XXXX Addresses Reported XXXX XXXX XXXX XXXX Ohio XXXX needs removed XXXX XXXX XXXX XXXX Ohio XXXX needs removed
Consumer complaint received 2023-07-01
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. (MO)

Trans Union continues to report fraudulently a business debt opened on a different tax identification number to my personal credit report. Trans Union is committing fraud by putting a debt on a different person. The fraud continues after reporting and disputing. No proof has ever been sent to me that this is my contract or has anything to do with me. All disputes have been ignored, and never really investigated as to the origin of the dead from a failed business seven years ago with a similar name. I have filed a fraud report with the FTC report number XXXX. The FTC report also includes XXXX fraud by reporting the same business on personal credit report. And never showing any proof of debt or contract. XXXX is also reporting a XXXX XXXX condemned the bank that is also a bit of time not related to me and XXXX XXXX, which has never been proven to be mine or any contract provided or proof of real debt.
Consumer complaint received 2016-12-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

My yearly property taxes are {$960.00} -- Nationstar Mortgage collected so far {$800.00} in escrow payments, to pay for my yearly property taxes of {$960.00} --. 
Yet Nationstar Mortgage are still demanding, that I pay an additional {$800.00} -- ( 10 months @ {$80.00} -- ), which means, they want to collect {$1600.00} -- p.y. in escrow payments, even though my property taxes are only {$960.00} --. 
To my knowledge, they are only entitled to keep a " cushion/reserve '' of {$300.00} -- p.y. 
Hence, they ought to refund me {$500.00}, to bring down the escrow cushion from the present {$800.00}, down to a {$300.00} -- " cushion '' ..
Consumer complaint received 2022-11-28
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. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b 1. XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. XXXX Account Number : XXXX
Consumer complaint received 2023-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Account # XXXX I challenged the accuracy, compliance, validation and reportability of this listing. Both DEPT OF ED / XXXX  accounts have been paid in full and report should not be reporting on my account at all. I have attached below that the balances are at {$0.00} and no late payments should be reporting on my consumer report. I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].
Consumer complaint received 2022-09-16
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2017-05-03
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: Ditech Financial LLC (FL)

my mortgage servicer ditech paid my home taxes without my knowledge in  XXXX  i do not have escrows and always pay my own home taxes and insurance. several months after the incident i realized my credit posted a negative delinquent status from ditech even thou i had continuously made principal and interest payments as scheduled and never missed a single payment. the negative delinquent status came from ditech automatically enrolling me in forced escrow. ditech took it upon them selves to increase my dues to cover escrow without notifying me. when i realized ditech had paid my taxes on my behalf i immediately reimbursed ditech the full 100 % plus penalty for my taxes and requested to be taken off forced escrow and asked to submit a correction, reversal, or letter of clearance on the negative information on my credit. ditech readjusted my account to show  XXXX  escrow balance but never correct my credit. the next year  XXXX  ditech paid my taxes again this time before they were even due, even if i was no longer on " forced escrow ''. again several months go by and i find negative delinquent status for  XXXX  and some for  XXXX  again i immediately reimburse ditech the full 100 % tax paid amount. again i ask to please permanently remove my account from forced escrow so this incident does not continue to happen and to correct all of my credit reports for  XXXX  i have come to a roadblock in trying to come to an agreement with ditech. the money i paid during " forced escrow '' time frame seems to have disappeared in my account. i will post P &amp; I monthly bank statements and the tax reimbursement payments from my back account. i need ditech to realize they paid my taxes and i reimbursed them 100 % as asked from  XXXX  ( reflected as  XXXX  ) the money " held in escrow '' should have been reflected as P &amp; I and my credit needs to be corrected.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

I am writing to dispute a late payment on my credit report for COMENITYCAPITAL/XXXX XXXXXXXX. I made the payment well before the due date, but it appears there was a delay in processing it on your end. As a result, my credit report inaccurately reflects a late payment. I request that you investigate this matter and update my credit report promptly.
Consumer complaint received 2023-05-23
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (OK)

There are student loans that is reporting to the bureaus for the amount of {$42000.00}. 
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX These loans have been forgiven but is still being reported. They need to be removed from my credit Due to the education and privacy act of 1974.
Consumer complaint received 2024-08-29
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. (TX)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX XXXXXXXX Balance : {$760.00} XXXX XXXX XXXX XXXXXXXX Balance : {$760.00} XXXX XXXX XXXXXXXX Balance : {$760.00} XXXX  XXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$5800.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (KY)

I am  one  of the people that has been affected by The  U.S. Ed. Dept. 's Loan Forgiveness Bait  and Switch  Sham. I h ave been paying on my loans before  Former President   XXXX  may it law in  XXXX   XXXX  loan forgiveness. When the law was enacted I was happy thinking that in  ten  years my student loans would be forgiven as a federal employee.  XXXX  or  XXXX   XXXX  I contacted my loan servicer FedLoans to see why on my bill  ( s  ) it stated I had only made  41  qualifying payments toward forgiveness of my loans. I was told they would research and contact me within 90 days. No call and/or no response. I contacted the loan servicer in  XXXX   XXXX  and was told I was not under the correct payment plan until  41  payments ago. That I had been under forebearance, etc. and not a payment plan. All along I thought my payments were going to loan forgiveness. I thought I had less than a year left on my student loans to tell me I have  five  plus more years to pay. I HAVE BEEN MISGUIDED AND DECEIVED. I was offered no appeals, etc. The loans have been serviced by several different companies within the Department of Education 's umbrella. I have been told I 'm now in the correct payment plan and under the correct servicer. I DO N'T THINK THE WHOLE PROCESS IS FAIR. I have been paying on these student loans over 10 years ; and thought I had come on a good thing. BUT I WAS FOOLED.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to advise I have been a victim of identity theft for the following account XXXXXXXX XXXX XXXX XXXX XXXX hard inquiry. I did not authorize the use of my name or personal information to obtain credit loans, goods and or any other services pertaining to this report. I am requesting this fraudulent accounts be corrected as soon as possible.
Consumer complaint received 2023-06-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CULLEN/FROST BANKERS, INC. (TX)

I was scammed by a person i thought was a Frost Bank representative using an actual Frost phone number ( XXXX ) XXXX. I lost {$11000.00} by getting instructed to transfer ( {$6000.00} ) through XXXX ( XXXX Phone # XXXX ) and was instructed to transfer another ( {$5000.00} ) to XXXX XXXX to XXXX XXXX the scammer Acc. # XXXX Route # XXXX. All this happened because i was told by the Frost representative someone was trying to take money out of my account through XXXX an he could reverse it. When i called the XXXX number that he called from listed above it is an actual Frost number. So when he called back i knew or thought it is legit.. 
Frost bank concluded the investigation and said there was no error. But what about the scam? they have all the info above to be able to track this guy down along with the bank and account number it went to. They are not trying to help me recover the illegal wire fraud transfer Please help i am wiped out and nothing to pay my bills.
Consumer complaint received 2021-12-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (NV)

I have a mortgage with United Wholesale Mortgage ( UWM ). My loan number is XXXX. I work for the federal government and have allotment set up to pay {$1100.00} every two weeks. UWM constantly changes the bank routing number and does not tell me. This results in me getting late notices. I have called UWM at least 100 times over the last year and they are incapable of doing their job. Please help me. XXXX XXXX, phone XXXX XXXX XXXX.