davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: COMPUTER SCIENCES CORPORATION (WI)

XXXX XXXX calls me daily even though I have never had a loan with them in order to try to collect a debt. They have told me my phone number must be mistakenly associated with someone else 's account and I have asked them to stop calling me ; however, they will not. One employee said they would put me on their do not call list. The next employee I talked to said there is no such list, but would forward my request onto a supervisor. I asked if I could speak to a supervisor, but was told there wasn't one available. This company is harassing me for no reason and is refusing to stop. This is my second complaint against them ; they did not respond to the first one and continuing to call me daily and then tell me there is no reason for me to be upset when I call them when they refuse to stop harassing me. Please help me!
Consumer complaint received 2019-01-28
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: Experian Information Solutions Inc. (FL)

I recently had my identity stolen. I attempted to notify all credit buries via phone and fax of the incident. My information was obtained and used to open many fraudulent accounts. I request that all the fraudulent information be removed from my credit report immediately.
Consumer complaint received 2020-02-27
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: Santander Consumer USA Holdings Inc. (NV)

Requested documentation From Santander verifying that this loan is mine they Refused to Provide Contract sighed by me for this loan. As the information reported is not Accurate
Consumer complaint received 2020-02-27
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: Experian Information Solutions Inc. (AR)

A unknown suspect has been using my identity. My name and social security number without my permission. When I reviewed my credit I observed two loans ( XXXX XXXX XXXX ) and three credit cards ( XXXX XXXX  and two XXXX  XXXX cards ) that I did not apply for or authorize. Also I observed two other unknown suspicious accounts. The loans, cards and two other unknown accounts were applied for approximately a year ago or longer. I have took action and filed a police report with my local police department. Please remove these fraudulent unknown suspicious accounts from my report as soon as possible. 
XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2024-03-15
Product: Credit reporting 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. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2020-02-27
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. (WI)

I saw that my credit score dropped significantly approx. same time Experian had a breach. I have always had EXCELLENT credit as it is part of my job requirements, for 30 years! I saw that XXXX was reporting a charged off amount {$23.00}, the only loan I EVER had with them was a car loan which I took out and paid off early, and received my clear title in the mail. I wrote letters to XXXX  but they said they never received them, Experian said that all they did is report what XXXX told them to and XXXX told me 2 months ago that this was a mistake on Experian 's end and they would help me correct it. I also had to write a letter to XXXX and fax to them so that they could get Experian to correct it. I did that and no response again from XXXX, I called and they told me they'd send me a letter, never got it, called again and they emailed it to me. The letter stated that they investigation was correct and I could take this up with Experian, Experian tells me to take this up with XXXX, I am being led on a wild goose chase and I WAS NEVER LATE on any payments with any Loan or credit card company. I have spend over 1 1/2 years on this and I need some help. I have also been included in a class action lawsuit against Experian for the breach and incorrect information on my report. XXXX has turned out to be inconsistent with their help and facts. I need help please. I will attach the documents.
Consumer complaint received 2020-02-27
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. (AR)

A unknown suspect has been using my identity. My name and social security number without my permission. When I reviewed my credit I observed two loans ( XXXX XXXX XXXX ) and three credit cards ( XXXX XXXX  and two XXXX  XXXX cards ) that I did not apply for or authorize. Also I observed two other unknown suspicious accounts. The loans, cards and two other unknown accounts were applied for approximately a year ago or longer. I have took action and filed a police report with my local police department. Please remove these fraudulent unknown suspicious accounts from my report as soon as possible. 
XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2020-02-27
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: LoanCare, LLC (CA)

Loancare the mortgage servicer of my loan sold my loan to XXXX XXXX after I paid it off. XXXX XXXX reported to the credit bureaus that I owed them $ XXXX when the account was at a XXXX balance. Then Loancare received the loan back from XXXX XXXX and it took them a very long time to resolve the issue. I disputed to the credit bureaus that I should not have a mortgage balance with Loancare $ XXXX nor XXXX XXXX. Loancare removed the balance of my account, I also complained because they lied to me about mailing my escrow funds timely as required, and they swore they mailed it on XX/XX/XXXX, which never arrived. A customer service rep requested for a stop payment in XXXX. I received the escrow payment refund from Loancare a month later the stop payment check and the envelope post dated XX/XX/XXXX. Now Loancare has used my credit report unlawfully by adding that I owe Loancare $ XXXX as a new account after this loan closed in XX/XX/XXXX. I received a letter from XXXX at Loancare for complaining for rationalizing the error that occurred that should of never happened. See the copy of my XXXX  credit report. Loancare  is retaliating against me for making so many complaints which I will address outside of the CFPB.
Consumer complaint received 2020-02-27
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NJ)

Made two jewelry watch purchases online at Bloomingdale 's, one purchase was XX/XX/2020 under order XXXX and the other was on XX/XX/2020 under order XXXX. Both purchases were over {$500.00}, the threshold amount to qualify for 12 months interest free financing on the Bloomingdale 's credit card. Per my live chat with the merchant on Thursday, XX/XX/2020, under incident number XXXX, if the purchase meets the dollar threshold, it can be transferred over to be interest free.
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (IL)

On Saturday, XX/XX/XXXX, I received an alert from XXXX  that my FICO score decreased by 10 points. When I researched why, it occurred as a result of American Express reducing the credit line available on one of my card accounts as the card account had been used in frequently. The account is in good standing and I pay all required fees to keep the card current. 

On XX/XX/XXXX, I received a letter from American Express ( mailed on XX/XX/XXXX ) that indicated a second credit card credit line had been reduced again because the card had been used in frequently. This account is also in good standing and I have paid all required fees to keep the card current for more than 20 years. This action by American Express will reduce my FICO score by another 10 points. 

I have no issue with American Express making a business decision regarding their card portfolios -- that is their right. I have a complete problem with being adversely impacted by that business decision resulting in a reduction of my FICO score by 20 points. I am in good standing with American Express, had an excellent credit score which I've worked very hard to maintain. By seemingly doing all of the right things, I am being penalized due to an internal American Express decision process without recourse. American Express has assured me they can not share with the credit bureaus that it was an internal decision that caused this action which had nothing to do with my payment history. 

I'm curious how this can be allowed. It will take me years of " perfection '' to again build my score back to it's previous standing because of arbitrary decisions made by American Express. I would ask that CFPB investigate this practice -- again, my issue is not the ability of American Express to make a business decision for their organization -- it is completely related to being a consumer, adversely impacted by that decision, through no action or fault on my part but suffering the consequences without a way to provide an explanation which would restore by FICO score to its previous standing.
Consumer complaint received 2018-02-27
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. (VA)

I APPLY FOR INTERNET PAYDAY LOAN ONLINE THROUGH XXXX XXXX ON XX/XX/XXXX. FOR THE AMOUNT OF XXXX. AND MY INTEREST RATE WAS XXXX PERCENT. THEY WOULD BE DEBITING MY CHECKING ACCOUNT EACH MONTH FOR XXXX EACH MONTH. I MADE MY LAST PAYMENT ON XX/XX/XXXX I COULDN T AFFORD TO PAY IT BECAUSE OF THE HIGH INTEREST RATE THAT THEY WERE CHARGING ME. THIS ACCOUNT APPEAR ON MY EXPERIAN CREDIT REPORT ON XX/XX/XXXX AND IT WAS SHOWING 120 DAYS LATE IN XX/XX/XXXX AND 150 DAYS LATE IN XX/XX/XXXX. STARTING IN XX/XX/XXXX IT SHOWED 180 DAYS LATE FROM XXXX ALL THE WAY TO 180 DAYS LATE TILL XX/XX/XXXX. WHY WOULD IT SHOWED THAT FOR 28 MONTHS THAT IS XXXX TILL XXXX OF XXXX. I FILE FOR BANKRUPTCY ON XX/XX/XXXX WHICH THIS ACCOUNT WAS DISCHARGE UNDER MY BANKRUPTCY ON XX/XX/XXXX. THE VIRGINIA FEDERAL COURT ALEXANDRIA DOCKET NUMBER IS XXXX. I CONTACTED BUREAU OF FINANCIAL INSTITUTION IN REGARDS TO XXXX XXXX ON THE CREDIT REPORTING ON WHY WOULD THEY HAVE MY CREDIT REPORT ON HAVING SO MANY 180 DAYS LATENESS AND I WAS INFORMED THAT THEY ARE NOT LICENSE IN VIRGINIA FOR INTERNET PAYDAY LOANS. I EXPLAIN THAT I TOOK OUT A LOAN IN XXXX AND WAS AGAIN I WAS TOLD THAT ARE NOT LICENSE IN THE STATE OF VIRGINIA.
Consumer complaint received 2020-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (MD)

I went to put money into my account at a PNC ATM on XXXX XXXX, XXXX, MD. Immediately after receiving my cash the machine went " out of service '', kept my money and gave me no receipt. I immediately called the Customer Service desk and they showed no record of my deposit. I went to the bank first thing the next morning and all both of these could say is they will put in a complaint and investigate and it will take 2-4 weeks. I am a senior citizen and I don't have {$600.00} to sit and wait. Can't they look at film or have the company that services their machines check to see if there is a {$600.00} overage? No one at this bank seemed to care that I've lost my money and I don't know where to go.
Consumer complaint received 2020-02-27
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. (IL)

This account has been previously Deleted and has appeared again, I have Cfpb documents from the past year that shows the details of this dispute in which the company said that it is deleting this item only to put it back on my report a year later, this is a violation of the FCRA and FDCPA law.
Consumer complaint received 2020-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

My mortgage got transferred to Fay Servicing about 4months ago from XXXX XXXX. 
This month XXXX I made a payment, but this month I will still be three months behind. I got a call yesterday ( XX/XX/20 ) from the same lady and I told her that I would make another payment this month with the money I have in my surplus and money I have. She told me I couldn't do that because I received a demand letter and my house is going into pre foreclose if I don't pay {$5200.00} this month. 
I got behind in my payments because of medical bill I have to pay to keep my husband on medication and XXXX. He has XXXX  XXXX. I had explained that to her the last two times we spoke. 
Please help me. 
Thank you, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2019-01-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (FL)

I received a letter from COMMONWEALTH SYSTEMS INC stating i owe XXXX for a Medical bill. this account was on my reports before about 4 yrs ago. another Collection Agency had this account first. this account was disputed and removed. now a few a years later COMMONWEALTH FINANCIAL SYSTEMS INC is reporting the same account on my XXXX and XXXX   reports now. they purchased this account from the original collection agency, XX/XX/2019. This account is causing problems for me getting approved for a Home and  other things.
Consumer complaint received 2020-02-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (OH)

On XX/XX/XXXX I tried to join Robinhood.com, an investment website for stocks and trading. They sent me a rejection email, stating I already had an account with them. They asked for the last 4 digits of my SSN, DOB, and Zip to identify myself. I did. They responded that there was a discrepancy in my answers and requested that I send a picture of the front and back of my drivers license. I did so. Then they requested that I send a picture of my Social Security Card. I did that. They said your account is under XXXX. I responded that that's not my email address and that I believe this is a fraudulent account. They responded that I joined on XX/XX/XXXX. I again replied that it wasn't me. I requested to know what information of mine had been given to them. I asked who the account name was under, what banking information they gave, what address they had on file, etc. It's been 5 days and I've still not received a response. I found two phone numbers after searching XXXX, and both phone numbers are voicemails that tell you to go to the website help section. I've sent a total of 4 emails without any replies. I have pulled my credit report, put a freeze on my credit, filed a police report, filed a FTC report, a XXXX  report, and will file with XXXX if I don't hear back by this weekend. I have saved all email exchanges up until this point and have an investigator from XXXX helping as well.
Consumer complaint received 2018-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

I am enrolled in automatic monthly withdrawal with XXXX XXXX. Several months per year XXXX XXXX schedules payments on a weekend or a Sunday. As a result, even though I am enrolled in automatic withdrawal and the funds are available it take more than 3-4 days to process the automatic withdrawal and I start getting notifications that my account is falsely pass due. This is a sloppy and unethical business practice. XXXX XXXX needs to use best practices and act ethically as an organization. Receiving late notices when I am enrolled in automatic withdrawal is disrespectful, false, and XXXX should be held accountable for these misrepresentations. Also, 30 days for a response through XXXX 's website on any matter is not customer service and shows either understaffing or lack of concern with borrower 's concerns and accounts.
Consumer complaint received 2020-02-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NY)

The latest response from Wells Fargo I already sent to you continues to state than They are unable to provide the name of the third party person that interfered with the appraisal or how it came about.To this I say that is putting this obstruction in providing this information is a class of being a whistle-blower worthy of Rep.XXXX XXXX and his impeachment of the President of The United States of America and we all know how that turned out. Today I received a telephone call from XXXX XXXX from Wells Fargo reaffirming that they will not provide the information because it is confidential Talk about an abuse of p [ power and or authority this is it How do I make you " cfpb '' order Wells Fargo to produce the requested information
Consumer complaint received 2020-02-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IN)

My son ( of which I am a signer on the account ) had two fraudulent checks deposited into his account. The money was subsequently taken out by an unknown person. The bank initially froze all of our bank accounts ( without us knowing ). Since that point, they have not refunded the moneys that were withdrawn nor have they allowed us any access to the accounts. Now they have presented us with a bill of {$800.00} dollars for some unknown reason. Chase Bank has been absolutely no help in either explaining the transaction nor have they been forthcoming as to why he owes more money now. He is out {$1300.00} for a transaction he knows nothing about. What is upsetting about this is that the bank will not help us at all. I have contacted a detective to try and access the video but have had no success.
Consumer complaint received 2022-05-19
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. (TX)

I have sent out letters every month since last year about the same accounts that are listed on my credit report that shouldn't be listed. I have sent them all certified mail. All credit bureaus have ignored my request to simply investigate the accounts they have listed on my credit report inaccurately.
Consumer complaint received 2020-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (IN)

I have called twice ( once today, XX/XX/2020 ) and once on approximately XX/XX/2020 to request my account be reviewed for a lower than the maximum interest rate. I believe that they are charging me substantially more than they should be due to how my bill looks and due to the fact that I make on time payments regularly. The XXXX call resulted in the gentleman looking at my account and telling me I would receive a letter in the mail and to call back after I received the letter. The call today resulted in them demanding my cellular number so they could text me a code. I declined that because I do not want to get more junk calls and texts than I already do from automatic dialers on my cell phone. They then transferred me to their " fraud '' department. the lady asked me if I had any other checking accounts or savings accounts with them and demanded a phone number where she could call me right back to verify it was me. I gave her a phone number. I also provided my mothers maiden name, I provided my social security number, my zip code. I have not used this card in years and am just paying down the balance. I pay XXXX and XXXX of that goes to interest on a balance of {$14000.00}. the math does not add up on this. I have a XXXX XXXX card and pay less on a higher balance which I am also paying down. 

I am not looking for a free ride but citi is doing something VERY disturbing and shady here. by the way, its been 45 minutes and no one has called me back. so no letter in the mail that they claimed I would receive, no call back that they claimed I would receive and all because I would not provide a cellular telephone number. 

I have had this credit card for more than 15 years and have made regular payments. a maximum percentage rate with no one even entertaining lowering it is in violation of federal law. they are supposed to review your credit every 6 months and they are not even trying to do that.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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