davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (RI)

I call Experian about wrong information on my credit report about an address that I do not have any connection or ever had applied or living. The address are related to XXXX XXXX, NY ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX Experian share the information that its related to a Credit Institution? I never had did applied for any to related living in New or doing business in connection with New York. 


Experian also report that my present address its connected to an " Membership Organization, XXXX XXXX XXXX, XXXX RI XXXX. I really do not have idea what Organization is this, nd, I never had report or share concern this. Experian does not clear this after had contact on phone.
Consumer complaint received 2023-03-06
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX Account US Bankruptcy Court # XXXX, has violated my rights. 

15 U.S.C 1681section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : I also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX '' Please contact the company directly to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions you may contact us at XXXX. 

XXXX XXXX XXXX XXXX  ( XXXX ) XXXX Collection XXXX XXXX XXXX XXXX Collection account. {$7800.00} past due as of XX/XX/2020. 
( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2021-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My mortgage with Bank of America allows for prepayments to reduce interest and the bank is not properly reducing my interest. 

For the following months I made a prepayment which should have impacted my interest charged, but which did not : Payments due XXXX, XXXX, XXXX, and XXXXXXXX  XXXX. I contacted the bank onXX/XX/XXXX and was given case XXXX and told they would research and get back to me in 7-10 business days. They did not. I called back on XX/XX/XXXXand spoke with XXXX who said a manager ( XXXX from the Payments Dept, or XXXX or XXXX, XXXX XXXX  managers ) would call me back by the next day. It did not happen. I called back again on XX/XX/XXXXand was told my case had been closed because it was entered incorrectly. They gave me CTR Team Case XXXX and said they would be get back to me in 7-10 business days. They have not. These calls ( and others where I hung up out of frustration at being left on hold ) have taken at least 3 hours of my time.
Consumer complaint received 2021-01-15
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Upon checking my credit report in XXXX, I saw that there was a negative item indicating that I failed to pay {$1000.00} to XXXX Bank XXXX XXXX XXXX XXXX XXXX. I filed a dispute and on approximately XX/XX/XXXX, I received a letter from Potfolio Recovery Associates, LLC. They stated that they had investigated the dispute and based on certain documents that were attached, established the validity of the debt. The documents they attached were a copy of a bill from XXXX XXXX XXXX dated XX/XX/XXXX and a letter from XXXX XXXX XXXX dated XX/XX/XXXX. I had never seen these documents before and in fact, they are addressed to my name but sent to an address to which I have no connection and have never used. So they make a decision that it is me based on a bill and a letter sent to an address that has never been mine. The address is not on my credit report. I have never requested credit from XXXX XXXX XXXX so this is either identity theft or just someone with my same name.
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I placed security freezes on the 3 major credit companies due to identity theft I fell victim to. I recently applied for a personal credit card with XXXX and a business line of credit/ SBA loan but was told I was denied because they couldnt obtain a copy of my reports. I have tried to contact all 3 to have it temporarily lifted but have been unsuccessful. 
Thank You
Consumer complaint received 2021-01-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

On XX/XX/XXXX I was forced to sell my Home as I was so far behind. Started with XXXX  XXXX XXXX. XXXX and I refinanced home in XX/XX/XXXX, and in XXXX he passed away. 
XXXX  XXXX XXXX refinance my mortgage with out me knowing. Constantly asking for modifications on Home. Mortgage then sold to Nationstar for a short period of time. The passed over the Mr. Cooper of whom was paid off when house was sold. 
I owed in XXXX XXXX when husband passed. Suddenly up to XXXX in XXXX. Then sold to Nationstar. I alerted Nationstar of this but no answers. Then passed into Mr. Coopers hands, also alerting them. All the information on the refianance is Fraudulent. 
Using my Husband 's social security income, My XXXX from his death. 5 years after his death. I am appauled. I have many documents to support this accusation. 
XXXX XXXX
Consumer complaint received 2021-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (PA)

PNC opened a Virtual Wallet account for me and it has been a nightmare- but the problems have been happening for years. They charge me $ XXXX month, there is NO grace period for transferring money to cover checks - even if this happens within the same few hours in a day. It is difficult to keep track of transactions as some come out of checking and others out of my spend account!!! They have also changed transaction order to benefit them and charge me more - showing transactions on different days after I had already seen them processed on my end. I want credited for the monthly charges and inaccurate NSF fees.
Consumer complaint received 2021-01-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DE)

There was a collection that was put on my credit report without proper notification per the FDCPA. I sent this information to the credit bureaus, XX/XX/2020, to investigate, requiring proof of the letter that was sent. The Bureaus just updated the account that was reporting and never sent a letter stating what their findings were. They updated the account balance and remarks on the 20th and I never received any letters from them. We are now pass the 30 day mark and i have yet to receive anything. Not only is the collection agency violating my rights by reporting the a collection without sending me a dunning letter, the bureaus are violating my rights by not completing the investigation that I requested and sending me a letter. There was one credit bureau that DELETED the account because the collection agency didn't follow the law, and that was XXXX. I want the account deleted from my reports.
Consumer complaint received 2021-01-16
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: FISERV INC. (OR)

private company named Money Network Financial claiming to be a wholly owned subsidiary of Fiserv.Inc. sent me a debit card requiring that I provide identification information to the company to " activate '' a card I never requested to receive a " government benefit ''. This came by mail to my home address. The Return Address on the mailing is NOT TO THE so called company sending me this card. Instead it is to the named card " Economic Impact Payment Card '' at an address in XXXX, Nebraska. 
The enclosed mailing includes the statement that " You acknowledge that you have read the material provided to you, including the Terms and Conditions, Balance and Transaction Limit Schedule and Schedule for your Account, which can be found at XXXX ... ... ''. Obviously none of this is a United States Treasury Department message and requires access to materials NOT PROVIDED> There is the statement that " You acknowledge that any term of the Cardholder Agreement, including the Fee Schedule, may change at any time ... ... '' This appears a scam to get financial information or contact information about me including what would be electronically transmitted to unknown entities if used to interact with my personal bank or other entities. 
There is a reference to arbitration " in your full cardholder agreement '' without any link to what the " full cardholder agreement '' may be, where it is located, and what changes may be made to such agreement. 
There is no security provision on how information on this card will be managed.
Consumer complaint received 2022-06-27
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. (TN)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible Names : XXXX XXXX ; Addresses : XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$210.00}, XXXX XXXX XXXX Balance {$56.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00}XXXX XXXX XXXX XXXX XXXXr : XXXX XXXX ) XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sterling Credit Corp. (PA)

I was a victim of business malpractice, a Service was provided for a client in which after receiving services they then went a disputed the charge which was taken from my bank account causing my account to go into the negative state. i contacted my back at the time as well as cash app which is how payment was processed and was given very little help. i contacted the bank and explained what happened and was told pretty much it was nothing they could do about it. i then went to another branch of XXXX XXXX XXXX XXXX and tried to see if i could get bettre assistance with this issue and was not helped at all, i was told i just have to pay it. the account then sold to a third party debt buyer and they have been calling me non stop trying to get me to pay. i am highly upset and have been fighting this for years, yes i could have just paid the {$540.00} and forgot about the issue as a whole but i will not take responsibility for a con artist.
Consumer complaint received 2021-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX. Inquiry : XXXX XXXX, XXXX. Inquiry : XXXX XXXX, XXXX XXXX Credit/Off lease XXXX XXXX XXXX US SM Bus Admin ODA Inquiry : XXXX, XXXX, XXXX. Inquiry : XX/XX/XXXX. Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX. Inquiry XXXX XXXX, XXXX. Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry : XX/XX/XXXX XXXX
Consumer complaint received 2021-01-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

regarding account # XXXX, Please close and remove me from this account immediately. This is an unauthorized account and needs to be removed from my credit immediately. I have sent numerous letters and I recieved no response. I look forward to your swift resolution in this matter. Thank you
Consumer complaint received 2023-05-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (GA)

I have disputed fraud charges with H.depot since XX/XX/XXXX. I have submitted bank statements, police case number, and all disputed documents to the store and citibank. H.Depot credited the account, issued a new cc and terminated the fraud account per our conversation. Once I used the new card, I made a purchase and the store decided to add the fraud charges back. Citbank sent a letter below and I responded.I received the below email : We completed an additional investigation into your claim of unauthorized purchases on your account. We determined you are responsible for the charges in question. Our records indicate you did not report the unauthorized purchases in a timely manner ; however, payments were made on the account and the balance was not questioned. We have attached copies of the letters sent on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, for your review which includes additional information. As of the date of this letter, your account is currently past due {$29.00} with a Minimum Payment Due of {$70.00} on or before XX/XX/XXXX. Thanks for your inquiry. We'd like you to know that it's important to us and we appreciate the opportunity to respond. 

As I have stated in my previous email, I am NOT RESPONSIBLE FOR THE CHARGES IN QUESTION!!! AS I STATED, AS A CARD HOLDER WITH GREAT CREDIT WHO IS AN OWNER OF A COLLECTION AGENCY, I AM AWARE OF MY RIGHTS! I DID NOT PURCHASE THE ITEMS. I REPORTED THE FRAUD ONCE I BECAME AWARE OF THE FRAUD. CITI BANK IS AT FAULT FOR TELLING ME AS A CUSTOMER THAT I DID NOT REPORT THE CHARGES IN A TIMELY MANNER. THERE IS NOT A TIME FRAME TO REPORT FRAUD. IT IS REPORTED ONCE DETECTED. I PAID MY ACCOUNT BECAUSE I PAY ALL OF MY ACCOUNTS ON TIME. I HAD VANDALLISM IN MY HOME AND MY CARD WAS STOLEN. DUE TO THE VANDALLISM I WAS MADE AWARE OF THE FRAUD AND REPORTED IT IMMEDIATELY. I PAID FOR THE ITEMS I CHARGED AND THESE CHARGES ARE FRADULENT THAT WERE REPORTED! I AM NOT RESPONSIBLE AS I STATED IN MY PRIOR EMAIL AND THEY WILL BE DISPUTED. I WILL FORWARD THESE NOTICES TO MY ATTORNEY! 
I WAS ASKED TO SUBMIT MY BANK STATEMENTS FOR THE MONTH THAT THE FRAUD OCCURED AND I SUBMITTED TO HOME DEPOT ON 4 OCCASIONS. I WAS TOLD THE PURCHASES WERE MADE IN STORE. IT IS YOUR OBLIGATION TO DO AN INTERNAL INVESTIGATION AND PULL ALL CAMERA RECORDINGS. DO NOT BILL MY ACCOUNT FOR THESE FRAUD CHARGES.
Consumer complaint received 2021-01-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (CO)

I had a medical bill go to a debt collector,, after telling hospital, and telling them that the VA WILL PAY THEM..as you know it takes sometime for them to pay..well the VA FINALLY paid it..npw the collection is still trying to collect..i told them a month ago they paid the hospital ... and they are still harassing me and messing with my Credit Reports..
Consumer complaint received 2021-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Account # : XXXX Why is it that this above account is still being reported if it is a collection account? Status is at derogatory and you have not listed a date of last payment, which should then have a date of first delinquency. 

You are allowing multiple errors allowed on this trade line that are very damaging. 

Provide me with the written documents that show when I came delinquent of 30 days, that would be the day/month/year I become 30 days late and never again did get current on this account. 

I personally feel this account has been aged out for a very long time now.
Consumer complaint received 2021-01-16
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: EQUIFAX, INC. (IL)

im a victim of identity theft and several accounts were open in my name. XXXX XXXX  and XXXX  XXXX, please delete these accounts i have never had nor benefited from they. they were open fraudently
Consumer complaint received 2021-01-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: KEYCORP (CT)

On XX/XX/2021 I made a charge for {$750.00}. From XXXX XXXX, key bank blocked my card until I verified it was myself who was making the transaction of {$750.00}. I did advised them that I was making a purchase for {$750.00}. However when I checked my statement I had a charge for {$750.00} from XXXX XXXX  along with a charge for {$53.00} from XXXX XXXX for a warranty also. I have advised key bank that I have been back in forth on the phone with XXXX trying to get them to return the {$53.00} because I did not authorize that charge nor have I received the warranty at all for the XXXX. Every time I call XXXX they say the money is going to be deposited in my account and as of todsy date neither XXXX or Key Bank have return the funds of {$53.00}. The warranty was never sent it now has a deliver date of XX/XX/XXXX the date keeps changing when I advised I didnt authority. I receive the XXXX on XX/XX/2021 2021
Consumer complaint received 2021-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/XXXX I received back pay from my unemployment settlement in the amount of about XXXX. I dont have a checking account or prepaid account that I could have sent my funds to so I sent them to a relative account! Capital one subsequently locked and froze the account and wont realize my funds to me or my cousin! I have went into several branches with two forms of identification and birth certificate and my unemployment judgment and capital one still wont release my money! Its almost going on two months and I cant get a call back or a reply! I dont have any money to obtain a lawyer and I really need help! This bank has basically stole XXXX and wont tell me anything or return my funds!
Consumer complaint received 2021-01-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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 2021-01-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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 equifax data breach and may have got into the hands of the wrong person
Consumer complaint received 2019-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (DC)

I went to pay my bill, which was a few days late ( like 5 ) and found they had closed my account. Citibank claims I filed a cease and desist with them, which I did not. 
They said they sent it to a collection agency because of this cease and desist.

The Recovery Department " escalated my case for review '' but said it will be 7-10 days before they get back to me. This is unacceptable. Someone should be able to restore my account immediately. I need the records for filing my expenses ( by the end of XXXX ), and now they are unavailable to me. Plus, this will XXXX up my credit score if it is not fixed. 
I believe this was part of some sort of fraud, but I can't get anywhere with Citibank - just " we'll get back to you in 7-10 business days ''. 
I made a payment on this account less than a month ago. I have another account with them in good standing. I have been a customer for over 30 years. I mean come on ...