davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

We have been trying to close an existing account for a HELOC. The home has been sold and we are having to cover the amount of the HELOC through an escrow account until the bank gives us a letter that states the account is closed. We originally tried to contact the bank Friday XX/XX/2020. We waited on the phone for approximately 1.5 hours in the morning and again in the evening without getting through to a representative. We again called on XX/XX/2020, Monday morning, with the same wait time and no contact with a customer representative. We made an appointment at a local bank for XXXX XXXX on XX/XX/XXXX and local loan officer could only call the same number we had previously called and informed us wait times were 1.5 hours or longer and he could not help us close the account. We finally reached an agent the evening of XX/XX/XXXX and explained that we wanted to close the account. We paid a {$25.00} fee to close the account and were told the account would close as soon as the fee cleared but that may not happen until XX/XX/XXXX due to a system update. We explained that we were closing on XX/XX/XXXX and asked could anything be done to speed the process. They stated the issue would be sent to an escalation team. We called back on the morning of XX/XX/XXXX to see if anything had been achieved and were informed nothing could be done until XX/XX/XXXX when the update was complete. We went through with the closing and had to place {$50000.00} from the sale of the home into an escrow account to cover the HELOC not being closed. After confirming the fee had cleared our account, we called back on XX/XX/XXXX to see if the account could be closed. We were again informed that there was issues with the update and they were unsure of when the account would be closed but they would make sure ( once again ) that it was sent to an escalation team. We have continued to call back with repeated wait times exceeding 1.5 hours with no answer from representatives or receiving auto-messages that they are closed and to call back during normal hours up to XXXX when it has been XXXX or XXXX XXXX when we called. It is now XX/XX/2020 and more calls have been placed without speaking to representative and only being able to leave a message after 2 hour wait. We need the account closed to receive the funds from escrow as we are closing on our next home. Any help would be greatly appreciated. 

Thank you
Consumer complaint received 2020-08-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

" Portfolio Recovery " has been calling me everyday sometimes multiple times a day about collecting on a 4-5 year old debt. ( and maybe others XXXX. I'm awaiting important phonecalls so i have to pick up every call i get. And it's always someone from " Portfolio Recovery ". Sometimes they won't even say who they are and tell me they can't give me that information unless i tell them who i am ... Last time i spoke to someone i told them are you seriously harassing me during a pandemic? To which they replied " we are not harassing you ''. If calling multiple times a day from different random numbers is not harassment then what is?
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: Experian Information Solutions Inc. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

This company reported collections fees on my credit report when the debt doesnt even belong to me. Never received anything in the mail about me owning the company. I also look them up on Texas bond website. This company doesnt even have a active license in the state of Texas to collect debt.
Consumer complaint received 2020-06-17
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. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. 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. 
Company Inquiries : 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 2020-06-17
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. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. 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. 
Company Inquiries : 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 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I recently pulled a copy of credit report and noticed credit inquiries that I have not authorized nor do I have any knowledge of. There are inquiries from creditors, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX. XXXX. I reached out to the credit reporting agencies to report this information along with getting it resolved. I have yet to receive a formal reponse I have the right to privacy and have not given any written consent for this information to be furnished to my profile, doing so is in violation of 15 USC 1681B. 

Further furnishing information to my profile due to identity theft is also in violation of 15 USC 1681 c-2
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1000.00}, {$130.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX   XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

-- AUTO ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX  XXXXXXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account.
Consumer complaint received 2020-06-17
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. (PA)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 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 . Company Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX/XXXX  XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : DEPT OF ED/XXXX, DPT ED/XXXX
Consumer complaint received 2020-06-17
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. (PA)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 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 . Company Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX/XXXX XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : DEPT OF ED/XXXX, DPT ED/XXXX
Consumer complaint received 2020-04-07
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. (MD)

XXXX XXXX HAVE FRAUDULENT INQUIRIES - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT FOR THE DATES LISTED. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO. THIS HAVE TO BE AGAINST THE LAW.
Consumer complaint received 2020-08-11
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I took out a loan of {$400.00} dollars at the time I thought I would be able to pay the loan. My grandmother passed away and I was in an accident that left me out of a job that same year my dept accumulated interest and they were charging me XXXX XXXX  of my XXXX $ loan they processed to Harass me making threatening calls finally they called my mother and told her that this was a federal case and I am subject to go to court I was able to get a number to call when I did call the people were so rude to me threatening me telling me I was being sued that they would see me in court. They didnt give me much option now they are taking out XXXX from my paycheck for 4 months.
Consumer complaint received 2020-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF THE WEST (CA)

Someone opened an account online using my name and social security number at Bank of The West the same bank that my employers payroll account is handled by. Through a credit reporting alert I found that this action had occurred and went to the branch to complain and that's when I was informed it was created online. They showed me the person pretending to be me and was the information they provided and their identification number did not match mine and I was able to prove my identity to them and at that point they said they would close and remove this account due to fraud but they still managed to attach the monetary amount to my social security number and credit report. As I told them at the time I believe that an employee of theirs had compromised my employers payroll account but they did not investigate that angle but after returning to work and asking around if this had happened to other co-workers I discovered that I wasn't the only victim. I want this this removed from my credit profile because this is fraud which we were able to determine with my meeting with the bank representative. This fraud was started on : XX/XX/XXXX and the amount in question is {$740.00}. Bank of The West did not follow up with the removal of this as promised which leads me to this complaint, I have had to file a police report and lock my credit profile.
Consumer complaint received 2020-06-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (SD)

On XX/XX/2020, {$4500.00} was stolen out of my Fathers savings account which I am a signer on the account. I was notified on XX/XX/2020 by the Branch Manager of the US Bank Branch by telephone that this had occurred. Her name is XXXX, her phone # is XXXX. Also, the police were at this Branch and apprehended the person that stole the money, this person was charged with Identity Theft as it was then discovered that this person had stole my identity. She had an ID with all of my information but the picture on the ID was not mine. I have requested a copy of the police report from XXXX XXXX, Case # XXXX, out of the City of XXXX XXXX, CA. Her phone # is XXXX. I have not received this police report as of today. I have been doing all of the leg work since this happened. I have left several messages for XXXX to call me back to give me a status on this. Ive filled out paperwork requested by the US Bank Branch in XXXX XXXX, SD where I live. There are several US Bank Branches here in XXXX XXXX. One Branch will tell me some information and another Branch will turn around and tell me something different. I have also contacted the US Bank Home Office in XXXX, MN, talked to their fraud department several times, asking when this {$4500.00} will be returned to my Fathers savings account. No one can ever give me an answer. I am becoming extremely frustrated more and more as each week goes by that this money has not been refunded and also not getting either returned calls or solid answers from US Bank. I am also a customer of US Bank.,
Consumer complaint received 2020-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (VA)

Comenity Bank has called 5 times from the following numbers XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX I called at XXXX XXXX  XXXX spoke with XXXX and his manager. They indicated the number was marked as do not call XX/XX/2020. 

The person they are trying to reach does not live here.
Consumer complaint received 2020-06-17
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. (NY)

I was reviewing my credit report and noticed the credit bureau is reporting incorrect info, it shows I have 2 late payments accounts which is incorrect. When I try to click to see accounts nothing shows up. I have NEVER been late on any of my accounts.
Consumer complaint received 2015-07-27
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (CA)

In XXXX 2015, I submitted my payment to Macy online and by the time it was submitted a late fee was imposed. However, I quickly contacted Macy 's later that morning and spoke with a representative. The female representative assured me that the late fee would not be added and I owed only {$34.00} and some change. I paid the entirety of the bill in which I should have a XXXX balance in which was confirmed by the representative via phone. At the end of the month I received a letter from the company claiming I owed way more in which I did not. I was appalled and confused because I have one person assuring me of a XXXX balance and a letter stating another. This was the XXXX! I contacted Macy 's customer service to be treated horrible and the rep talked over me and argued with me as if this was my fault. I was amazed of the lack of care of this rep who failed to show some concern, but all he cared about was the money owed erroneously. The XXXX speaking gentleman hung in my face and I called back and a nice rep answered and tried to assist me and trying to connect me to a supervisor, but was sadly disconnected. By this time I had given up. I was upset because not only was I provided with assurance my bill was paid in full and any additional fee would be cleared, if any. I am sad to learn that their practice lacks care or empathy toward a promise made by one of their own employees. I paid the {$120.00} in which {$94.00} should be refunded ( approximately ). In addition, I know another individual that is experiencing the same issue. I would like a refund and an apology. I have sent Macy 's electronically a message, but yet to receive an apology or a follow up on what happen and how I was treated is my main concern. A promise is a promise and I would like a refund ASAP and any late fees removed from my credit report, immediately.
Consumer complaint received 2023-05-29
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. (SC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX  XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i have file disputes on XXXX XXXX and yet still have not received anything regrading them. By law they have 30 days to respond and it is past the 30 days.