davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-18
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. (AL)

I HAVE A COLLECTION ACCOUNT ON MY CRDIT REPORTS FROM A COMPANY NAMED XXXX XXXX I AHVE EVER HAD ANY TYPE OF ACCOUNT WITH THSI COMPANY, THIS COMPANY VIOLOATES ALL OF ANY PERSONS HIPAA RIGHTS BY REPORTING TO THE CREDIT BUREAUS.,
Consumer complaint received 2020-06-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, US DEPT ED, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-22
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MA)

Citibank just acted most unfairly by charging me late fees without any type of notice. I only came to know about after seeing the results from my credit report where my FICO score has been impacted by reduction of XXXX points for a delay in payment for which there was no notification provided. After seeing the issue I went onsite and tried to reason with them and they still charged me {$80.00} over the original charge of {$20.00}. The most disturbing thing is that I have XXXX additional cards with Citibank which have never been late. It is also sad that they did not send any type of paper based statement to indicate delay or even considered making a phone call to indicate that there was delay in payment but kept charging me and then ruined my credit by reporting to XXXX without considering the ultimate consequences on my overall future to get great credit opportunities. I will like them to make amends by at least making sure that this negative information is removed from my credit report and ensure that an apology is issued to me for causing this level of stress.
Consumer complaint received 2020-08-12
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: AMERICAN EXPRESS COMPANY (CA)

I am a victim of identity theft. Due to the XXXX Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I received a letter from SPS ( Select Portfolio Servicing ) dated XX/XX/XXXX stated that my property taxes were delinquent. However, I had paid the tax bill that was due on XX/XX/XXXX on time. I sent proof of the paid tax bill provided by the XXXX XXXX County Tax Collector  which they received on XX/XX/XXXX. I also received confirmation that the file I uploaded had been uploaded successfully and thought the matter was resolved. Then I received a second letter stated the taxes were still delinquent and that a lien could be put on our home but to no fault of our own but rather to their dysfunctional service. In light of the difficulties we are facing as a nation it boggles my mind to think a organization whose purpose is to help people who unnecessarily create this hardship for me and my family. It makes me wonder how many other law abiding customers they manage have been treated the same way.
Consumer complaint received 2020-08-12
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: Fidelity National Information Services, Inc. (FNIS) (MN)

The following account listed on my Chex Systems Consumer Report ID : XXXX for Reported Information is fraudulent : XXXX XXXX. I never had a checking account with XXXX XXXX. The account is fraudulent and not my account. I am a victim of identity theft and has a police report on file with Chex Systems.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: National Credit Adjusters, LLC (TX)

I am writing to complain about a company called NCA ( National Credit Adjusters ) that is on my credit report. The amount is XXXX $ The original creditor for this account was XXXX  XXXX.On my credit report, there isn't even an account number for this collection so I can not reference it here! 
I have filed disputes with XXXX  and XXXX  regarding this issue, back in XXXX of 2020 this account was with another agency called " XXXX XXXX XXXX XXXX  '' and it was removed! Then the account was sold to National Credit Adjusters and came back! If the account was removed the first time, then that proves it was not a verifiable debt! I have requested method of verification because this is NOT a valid account. National Credit Adjusters have not supplied any type of verification of this account, and I am requesting this right now because it is my right. 

I do not know the account number for this claim at all! 
I am attaching a photo of my XXXX  credit report! This account does not even have an account number and is not showing properly!! I DEMAND this to be removed or show actual PROOF that this is my account.
Consumer complaint received 2020-06-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, US DEPT ED, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

I have used money order to put in my account for {$7500.00} on XXXX XXXX in my fifth and third bank, because I need to open a credit check to buy my car, and XXXX days later I has been told that It was not available because they need to hold that cause it was a big money until XXXX XXXX, that is ok, I can reschedule the title transfer date with the car owner, can on XXXX XXXX, I have also used money order to put in my account for {$1600.00} because I need to pay my rent on the due of XXXX XXXX, and my account frozen, I can not even get out of my money, the company said they could do nothing about that, they asked me to wait for 7 to 10 business days, that is ridiculous, that is all of my money, and they asked me to borrow money from others, so ridiculous, I just moved to USA and I don't have a friend here, this is all their fault, I need the money to pay the rent, I don't wat to pay the delay fee because the XXXX bank, and I also need the money to buy my car, I couldn't walk everyday for 1.5 hours to work!!!! so ridiculous, is this the USA bank! XXXX
Consumer complaint received 2022-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (FL)

Asked if the annual fee could be waived due to being impacted by hurricane XXXX. I was affected by a natural disaster and I was told my American Express that they dont help customers who are affected by natural disasters. Colleagues, friends and family members of mine called American Express and got their annual fees waive due to being affected the hurricane. Every little bit helps during these trying times and it saddens me that American Express picks and choose who they help during natural disasters. Ive been a good paying client for two years and never once asked for anything to be waived. It would be nice to know that American Express actually cares about all of their clients and not just some.
Consumer complaint received 2020-08-12
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. (MI)

XXXX XXXX XXXX has 5 accounts reporting on my credit report that should no longer be there, and the 3 CRA have not removed them. 

The amounts are as follows ; {$250.00}, {$360.00}, {$250.00}, {$250.00}, {$100.00} and {$0.00}. Please furnish an explanation for why the report is still there, or please remove. 

XXXX XXXX has an account with a balance of {$400.00} that should no longer report on my account, please furnish an explanation or remove. 

And, finally XXXX XXXX is reporting a {$140.00} account that should no longer report on my account please furnish an explanation or remove.
Consumer complaint received 2020-08-12
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)

I paid off my balance in full and capital one continued to charge me interest and can not prove why after paying off the balance I was billed more interest. I asked for a manager in the escalation department and was refused. I spoke to XXXX and she told me that her manager XXXX does not speak to customers, I was not assured that I would not be charged interest on the current interest capital one has assessed.
Consumer complaint received 2022-10-31
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. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2020-08-12
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: Experian Information Solutions Inc. (VA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-08-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Starting XX/XX/XXXX thru XX/XX/XXXX my Social Security deposits were re-routed into an account in the name of XXXX XXXX. When I discovered that my funds were missing, I both telephoned and went to the Social Security office. I went there and to Bank of America on numerous occasions to try to resolve this. An alert was put onto my checking account and my Social Security account. It was very difficult to get any information about what happened. The fraud department at the bank wouldn't talk to the bank manager or myself as we were not the account holders-even though he was a criminal and other people 's checks were also being stolen by him. His account was closed but nothing was said as to how to get my money back. I filed a police report with the XXXX XXXX Sheriff 's department. Detective XXXX was able to locate XXXX XXXX in Georgia but the Georgia police were uncooperative in helping to apprehend him. Detective XXXX also filed a report with the Office of the Inspector General/Social Security. It has been a long time since this all started and I am at a loss as to what to do next to try to resolve this. It is over {$12000.00} and almost two years since it all started. I felt filing a complaint against the bank would be the next best step.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

I have contact XXXX, XXXX  and Experian and have notified them of the hard inquiries on my report that I am not familiar with and no action has been taken.
Consumer complaint received 2020-06-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Designed Receivable Solutions, Inc. (AL)

THE COLLECTION DEBT FROM DESIGNED RECEIVEABLS SO- XXXX XXXX IS NOT MINE DEBT, AND IT VIOLATES MY HIPAA RIGHTS IF IT WERE MINE, I AHVE NOT HAD ANY ACCOUNTS WITH DESIGNED RECEIVEABLES,
Consumer complaint received 2020-08-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (PA)

I received a letter from US Bank ReliaCard about important disclosures on XX/XX/2020. 

The Program Name is Pennsylvania Unemployment Compensation regarding a Pre-Acquisition Disclosure. 

I have never received funds nor applied for PA Unemployment in my life. 

I am concerned that possibly someone used my name to apply without my knowledge. 

How the US Bank National Association got my name and address is beyond me. 

My concern is that if such a prepaid card is not used for 420 consecutive days, they charge a monthly {$2.00} fee. Since I don't have such a card, and I don't receive unemployment payments from PA, I want to make sure that I do not receive a bill/statement indicating that I owe these charges.
Consumer complaint received 2020-08-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

PayPal Customer Service Agents are repeatedly providing misinformation and providing false information in regards to policies. For over a decade we have used PayPal with absolutely no issues. We started with a personal account and when we established a non-profit organization we opted to start a new business account for it. There has never been a dispute, refund or any other negative activity on the account. However, PayPal has started to place funds on hold. When reaching out to customer service to resolve this we have been given misinformation by no fewer than 4 of their customer service agents. Some have blatantly lied and only backtracked on the lie when pressed to provide proof of the policies they were referring to. On more than one occasion we have provided the requested information only to be met with rejections and requests for information that has absolutely no reference to our organization. For example, they keep asking for vendor information when we do not sell or provide any physical products. At this point my thoughts are that PayPal has decided that they will use customer funds to provide themselves with short term interest free loans. There have been at least 3 support tickets to address this single issue. We have spoken to a " supervisor '' who agreed that the support tickets have been severely mishandled and apologized however nothing is done to resolve the issue. On the last call we were on with an agent for over an hour. There was a request for our vendor information and other information that would pertain to a business selling physical products. During this call it was repeated several times that we have no physical products. We are a non profit organization that provides consulting and services. However we just received another request for this information that in no way applies to us. We are a XXXX organization that is in good standing. In contrast, our organization uses other payment processors and have had absolutely NO issues whatsoever.
Consumer complaint received 2020-08-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

i notified the company XX/XX/XXXX that i had been a victim of identity theft for a account that was opened on the date of XX/XX/XXXX in the amount of {$1100.00}. I told the company to please stop contacting me via calls and forwarding me mail regarding the fraud accounts. The company stated they conducted a investigation and that the account were valid and continued to call me and threat me via a 3rd party collection company ... they have been using disrespectful abusive language ( saying they will come and find me, and they will make my credit drop to XXXX tomorrow ) and i will no longer allow this. I no longer feel safe at my home address. The company has stated they do not care and i owe the amounts so they'll call as much as they like..i sent the company my FTC Report and i sent they information for my Identity Theft. I have also just sent a letter to the Attorney General over this matter.
Consumer complaint received 2020-08-12
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: National Credit Systems,Inc. (TX)

On XX/XX/2020 I notified National Credit Systems and paid off a debt of {$980.00}. I was assured by National Credit Systems that they would in fact reach out to the CRA to have this negative collections removed from my credit report. As of XX/XX/2020 this is still reporting on my XXXX  credit report.
Consumer complaint received 2020-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

XXXX XXXX XXXX  transferred/sold my home mortgage to Specialized Loan Servicing ( SLS ). When I requested a payoff I saw that it stated that I owe an additional {$15000.00} in other deferred amount owed. I called XXXX XXXX for an explanation and they directed me to SLS. Ive now called SLS four times having to leave a request for a call back. I have not received a call back. I sent a certified letter to the address listed on my bill. It is a P.O. Box. The letter arrived on XX/XX/XXXX at XXXX XXXX. I requested all documents supporting/related to the {$15000.00} amount. I have not received anything or an acknowledgement. My home is currently being sold. Escrow is due to close XX/XX/XXXX. I of course only want to pay what I owe. 

Due to the lack of response, Ill have to pay this amount off so title can be transferred to the new owner. I want to see the proof that this amount is owed. Im not disputing the principal balanced owed. My wife and I have no recollection of what the other amount represents.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (OH)

I have two inquiries on my XXXX credit report that I DID NOT authorize. 

They are : Wells Fargo XX/XX/2024 XXXX  XX/XX/2024 I have disputed this with the original creditors and wish for these to be removed from my credit report.
Consumer complaint received 2020-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a car loan with XXXX XXXX XXXX since XX/XX/XXXX since .. 
I recently have gone through during the pandemic a hardships and have been late making a few payments