davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (OH)

On XXXX XX/XX/XXXX. Vehicle was stolen. When recovered. XXXX said they were picking it up. Payments and insurance paid during time. Get notice from salvage yard and contact Victims of.crime and XXXX. Both agreed to pay any and all fees. XXXX say they are retrieving vehicle. Salvage yard said they were coming. They leave vehicle never pick up or notify me that they were not. I continue to pay and pursue vehicle return until XXXXXXXX XXXX XXXXXXXX. Was told by XXXX they would ruin my life and attach my pensions. In XX/XX/XXXX company sent to retrieve vehicle from my possession ( last payment made was XX/XX/XXXX. Get 6 months of negative teportinh on my credit report a repossession then a charge off. If they ever retrieved vehicle I was never given a default notice so they broke XXXX and Ohio XXXX in reporting a loss they could have prevented. Ruined my credit paying extreme interest due their callous disregard of laws in place which govern the procedure. Had purchased GAP insurance, Cost Guard and was fully insure till stopped paying at the advise of Ohio XXXX XXXX theft agent. Say they do not want to settle their or resolve issue. Contacts never returned calls.
Consumer complaint received 2023-01-24
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-01-24
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2021-01-13
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: CITIBANK, N.A. (TX)

Hello, im making this concern because, I was a victim of fraud scam with a credit card on XX/XX/2020, when my credit card was on XXXX $ balance and was stolen and the scammer started to used it and the bank never notified me about this matter and I never got any alert from a credit card transactions, then when I tried to fix this issue with the bank they never help me with this problem and the balance was on XXXX when I never authorized any payment and I canceled the card and notified them, I want to get all that debt removed from my credit card balance from Best Buy visa, citi bank ending in XXXX and im still waiting for their answer because nothing happen yet. 
I'll be waiting for your answer as soon as possible. thanks so much, my best regards. XXXX XXXX.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Unauthorized and unlawful credit utilization and late payments Transactions and experiences are illegal to report ( 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LII / Legal Information Institute ( cornell.edu ) ).

Prohibition ( A ) Reporting information with actual knowledge of errors 15USC 1681A 2 ( A ) ( I ) -EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 pf this title, any- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2023-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, XXXX and TransUnion Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that XXXX and TransUnion Credit Bureaus are responsible for their tenacious rebelliousness. 
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
Consumer complaint received 2021-01-13
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. (TX)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IA)

Finally found a bank that would allow me to open a bank account Citibank. I deposited {$50.00} process a couple transactions even. I had to check from XXXX XXXX for a refund of my dentures because I had to pay cash {$3500.00} because my insurance company XXXX XXXX was committing fraud with the XXXX XXXX XXXX in XXXX XXXX by approving excessive appointments and assessments which the lowest assessment being {$4600.00} which is still for higher than what XXXX XXXX charge me the {$3500.00}. I had a very hard time finding anybody to give me a bank account so I was pretty happy with Citibank allowed me to open up a checking account well the minimum deposit in an ATM because there is no branch in Iowa for Citibank is {$2000.00} The check again was {$3500.00} I was told by a Citibank live chat support person to mail my check to Citibank Bank by mail XXXX XXXX XXXX in XXXX XXXX Texas and I did exactly that. I called them a few days later to confirm that they received the envelope in the mail containing my {$3500.00} check from XXXX XXXX. They confirmed did they had received my check. They also informed me that they were closing my checking account. They would not provide any information as to why. But they asked me many questions about this XXXX XXXX check even why they were issuing me a check at all I answered all their questions and they told me that they were going to close my account and they were not going to mail me back the check and in fact I've got a recording from last time I spoke with someone up from Citibank they told me that the check from XXXX XXXX in XXXX New York for which XXXX XXXXXXXX XXXX  was a bad check. The same day I received an email from XXXX XXXX of XXXX XXXX who had received the deposit receipt from XXXX which clearly shows that my check was deposited into a an account with the routing number XXXX account number XXXX. Although it's not my account I have no access to it they do not that this check has been deposited I will attach the receipt of deposit from XXXX I will attach the Citibank letter saying they're closing my account and I want my money Citibank is obviously lying because I've got the statement from key Bank the bank for which the issuer XXXX XXXX XXXX with and the bank deposit slip and yet Citibank will not explain to me way this money got deposited into this weird account and claim that they have no check of mine. I want my money now it's citibank 's problem not XXXX XXXX not XXXX XXXX not XXXX XXXX Not XXXX XXXX
Consumer complaint received 2021-01-13
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. (NC)

I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

1 ) I resumed my mortgage payments after being on forbearance due to temporary loss of income from the covid-19 lock down. I applied for and received the FHA National Emergency Standalone Partial Claim. After receiving a credit alert, I see this has been reported to the credit bureau as " Loan modified but not under a federal government plan ''. This is not true, it was a federal government plan, it should not be reported to the credit bureaus.

2 ) I began making payments to this company in XX/XX/XXXX after my mortgage was sold to them. I have not missed one payment, other than while on forbearance. When I went off of forbearance in XXXX, they did not allow me to make a payment in XXXX because the paperwork for the stand alone needed to be completed first, and they did not penalize me or attempt to collect the month of XXXX. Now I see they have reported a missing payment for XX/XX/XXXX on my credit report. 

I have attached a copy of the letter sent to me that shows I was granted the FHA National Emergency Standalone Partial Claim, as well as a screen shot of my Experian credit report showing the missing payment and incorrect loan modification report.
Consumer complaint received 2021-01-13
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020. Someone Went to a ATM in XXXX XXXX to check my balance on my EDD prepaid card. On XX/XX/2020 that person checked the balance again at a ATM in XXXX XXXX. At that same ATM on XX/XX/2020 someone withdrew {$160.00}. I did not authorize none of these transactions. I only withdraw money in the city I live in at my local Bank of America in XXXX, California. I have never check my balance or withdrawn money in XXXX XXXX. On XX/XX/2020 ; I checked my Bank of America account on the Mobile phone APP and noticed all these transactions I did not approve. I called the fraudulent number with Bank of America to notify them I did not approve those 3 transactions. The representative files a fraudulent claim and reissued me a new prepaid debt card. The rep. told me it will take at least 25-40 days before I will get my money returned and I will receive a letter in the mail about my claim and an email confirmation. I received my new debit card but never received an email confirmation. I received a letter in the mail that my claim. 
The day I called the fraudulent claim number on XXXX XXXX, 2020 ; was the same date they wrote a letter about my claim ; that I received in the mail on XX/XX/2020 ; stating, " The above claim has been closed. '' " Your claim has been closed because we believe the account or claim have been the subject of fraud pr suspicious activity. Any temporary credit was applied to your account related to this claim, including any related reimbursement or fees, has been or will be debited from your account and reflected in your available balance, if any. '' CLAIM NUMBER : XXXX Account ending : XXXX. 

To date ; I have not received my {$160.00} reimbursement. 

On XX/XX/2020 ; I tried to login to my account online. When I put in my user name and password, I could not access my account. On the screen it informed me, " Your account can not be accessed. Please call the number on the back of your card ''. I called Bank of America and told them what was on my screen and I was told that my account was frozen on XX/XX/2020 2 days after I received my EDD Deposit. I was never notified about this by Bank of America and only found out when I tried to log in to my account. The representative file paper work to unfreeze the account. 

To date ; my Bank of America account is still frozen and I can not access it online.
Consumer complaint received 2021-01-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IL)

My loan was sold to Specialized Loan Serviceing by XXXX XXXX. On XX/XX/XXXX I got a package about it. It stated that I was late on a payment of a {$20.00} manintenance fee and had {$9.00} in interest due. My balance was {$0.00} so thereshould have been no interest. I recieved no bills or paperwork in the transfer so I had no way of knowing they fraudulently charged me. As of XX/XX/XXXX there is still no statements online to tell me why I was charged interest. I immediately paid the {$29.00} on XX/XX/XXXX. The wesite shows me still late on {$20.00} and a {$20.00} unknown and unapplied payment. My original agreement with state farm said that if I closed the loan in less than a year there would be a early temination fee. I believe it was {$140.00} but since statefarm has deleted all record of the original loan I can't find out. It's been over 2 years. Now XXXX says I have to pay a {$500.00} early termination fee or continue incurr ongoing maintenance fees and interest on my {$0.00} balance. There are hundreds of complaints about them online. The representative said since the website says so there is nothing he can do about it. He could not explain why there was {$9.00} interest on a {$0.00} balance.
Consumer complaint received 2023-01-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized HOMETOWN Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
15. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-02-23
Product: Credit reporting 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 am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXXXX/XX/2023 XXXX XXXX  XXXX XX/XX/2023
Consumer complaint received 2023-01-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc (TX)

My account has been placed on a limitation since XX/XX/XXXX. And wasn't the 1st time such. I submitted the same documentation as last time and they were able to lift the restrictions. However when the 2nd one came, i provided even more proof than the last time, and this time they permanently restricted me with no notice, no email, just logged in and i was unable to use features. I sent proof again to appeals and they denied me, no reason why. Even after i provided proof of my transactions the 1st time.
Consumer complaint received 2020-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I made a purchase online ( website : XXXX  ) for a jacket on XX/XX/XXXX, the amount of order is {$280.00}. 
I received a XXXX tracking number from this website, the order was supposed to ship from XXXX. I waited for a few weeks, but no tracking information updated at all. Later I went back to the website and saw that it was shut down, that when I realized it's a fraud website. 
I opened a dispute on the credit card charge with Citibank on XX/XX/XXXX, case number XXXX, submitted evidence ( I attached them to this form, too ), Citibank didn't contact me to ask for more information except rejected my dispute one month after the dispute on XX/XX/XXXX, with ZERO explanation provided to my lost. 
I contact Citibank customer service for the reason of losing the dispute, the representative gave me a local phone number of the investigator who's on my case. I tried that number many times and no one answers it. That's when I believe I've exhausted means to resolve this issue directly with Citibank.
Consumer complaint received 2023-01-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.