davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX  XXXX XXXX/XXXX XXXX XXXX   XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX    XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX   XXXX XXXX XXXX
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

I have been a Citibank costumer for the past XXXX plus years. I was recently the victim of bank fraud in the form of XXXX stolen checks. Thanks to a very supportive and resourceful employee at my local branch I was able to recoup the amount of XXXX of the checks fairly quickly. Getting back the second check 's funds ( {$2100.00}, made to XXXX XXXX, cashed XX/XX/2022 ) however, has been a nightmare. Citibank maintains they are fully insured against fraud, and that this check is part of the same problem we had with the other one, but they have refused to issue provisional funds to my account while they conduct the investigation. In fact, they been stalling me for XXXX plus months -telling me that the process is now in the hands of XXXX XXXX XXXX -a financial institution I have no relationship with whatsoever, and that therefore has no interest in resolving the matter. When I call Citibank costumer service for updates they tend to be not only unhelpful, but rude and dismissive. The paperwork I receive, via e mail ad snail mail, on the case is irrelevant or, even worse, promotes Citibank 's other services. The personnel at the branch, on the contrary, tries to help. But all their promises to follow up go nowhere as it turns out they really have no direct access to details of what is going on and to the person charged with investigating my case. They are powerless by design, just like I am. In the middle of this Kafkaesque corporate scenario, I have been paying bounced checks penalties ( the account had to be closed so payments that were out were rejected ) and late payment utilities fees, while XXXX XXXX is charging me interest on the missing {$2100.00}. It's really hard to believe that the financial institution in charge of protecting my funds and my interests is doing such a poor job at both. The functioning of their fraud operations seems hill conceived to the point of adding burden to the victim, rather than helping her/him restore what was stolen.
Consumer complaint received 2020-03-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (IL)

I tried to make multiple payments online via lendingclub.com For the past 2 months I was not able to make an extra payment. I called and complained about this issue with No resolve. All of the reps state that I should be able. The site was not working corretcly. This hampers me to decrease my balance, hence more interest goes to the company.
Consumer complaint received 2020-03-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (TX)

Planet Home Mortgage is refusing to defer mortgage payment for clients due to economic injury the nation is experiencing as a result of COVID19. They are only offering forbearance which will make a lump sum of 3 mortgage payments due in 3 months.

This is against the Government stimulus package and does nothing to help us. We are asking for a deferral of our payments as other honest lenders are doing, such as XXXX. 
So far, XXXX XXXX XXXX are deferring payments for 120 days. 
Planet is simply accumulating the payments for 3 months then forcing a refinancing when we havent been able to save up 3 months of payments.
Consumer complaint received 2020-04-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (NJ)

BRANCH BANKING & TRUST BANK ROUTING XXXX account # XXXX DATE OPENED XX/XX/XXXX CLOSE DATE BY XXXX BRACNH MANAGER XX/XX/XXXX my XXXX XXXX XXXX  states XX/XX/XXXX a lie. Everything on this account, I called XXXX Specialist ID # XXXX a XXXX XXXX XXXX. XXXX ( XXXX ) XXXX Who didnt care I was called XXXX BY XXXX XXXX XXXX , NJ BRANCH. XX/XX/XXXX XXXX XXXX BB & T card based services who stated she called me which she didnt. How can I call Them when u need a PIN number to speak to a rep? The credit card which was stolen and used by my landlord XXXX No activity on my credit report. I went into 7 different branches in Nj just to be told my account is closed. Im XXXX in pain XXXX. When I left the XXXX branch in XX/XX/XXXX. I called customer service after the XXXX XXXX Branch manager closed my account right in front of me. The two charges by scamming XXXX of XXXX XXXX, Nj {$1500.00} a lemon and scamming XXXX XXXX XXXX, {$3500.00}. XXXX XXXX XXXX SUNDAY CALLED ME A XXXX AS WELL. YES, XXXX  NJ. Not in XXXX XXXX XXXX & beyond. I will not be called a XXXX.
Consumer complaint received 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my second time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft from XXXX Data Breach. MY CLAIM NUMBER IS - XXXX. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. 

My request to DELETE PERMANENTLY THE FRAUDULENT ITEMS FROM MY CREDIT REPORT is not being made in error ; nor is it being made on the basis of a material misrepresentation of fact by me relevant to the request to delete the identified transactions. The identified transactions are not information related to any transaction by me as the consumer they are : THESE ADDRESS ARE NOT MINES- XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX A copy of my disputes, the ADDRESSES AND FRAUDULENT ITEMS ARE screen shoted so theres no confusion about the accounts, addresses & companies that I am disputing. 

I HAVE BEEN TRYING TO DELETE THIS ADDRESS AND YOU ALL WONT LET ME DUE TO THEM BEING CONNECTED TO FRAUDULENT ACCOUNTS THAT WAS OPENED. *** MAKE SURE THAT MY CREDIT REPORT IS NOT **FROZEN OR LOCKED- NOR HAVE A FRAUD ALERT ON IT** PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. 

I DONT WORK AT EMPLOYER- XXXX XXXX XXXX XXXX XXXX XXXX I WORK AT XXXX XXXX MAKE SURE THAT MY CREDIT REPORT IS NOT **FROZEN OR LOCKED- NOR HAVE A FRAUD ALERT ON IT** I By law, Part of my Compensation approves, Four years of specially negotiated, three-bureau credit monitoring and identity protection services through XXXX and an additional six years of one-bureau credit monitoring and identity protection services through XXXX. The XXXX monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( App. 6, 33-43 ). The one-bureau credit monitoring shall be provided separately by XXXX and not paid for from the settlement. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to DELETE the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2020-04-05
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. (PA)

The credit bureau placed an aged account on my credit report from XXXX  XXXX  without notifying me within 5 business days before placing this aged account on my credit report. I have sent letters to the credit bureau asking for a copy of an original contract showing my signature and when the account was opened. The credit bureau did not send me information about the account. I only received letters saying the account was verified. I sent another letter asking for more information about who is verifying the information and the credit bureau did not respond to my request. I also asked if this is my account, why are they just reporting this on my credit report. I did not get a response other than the account was ve
Consumer complaint received 2020-04-05
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. (PA)

The credit bureau placed an aged account on my credit report from XXXX XXXX without notifying me within 5 business days before placing this aged account on my credit report. I have sent letters to the credit bureau asking for a copy of an original contract showing my signature and when the account was opened. The credit bureau did not send me information about the account. I only received letters saying the account was verified. I sent another letter asking for more information about who is verifying the information and the credit bureau did not respond to my request. I also asked if this is my account, why are they just reporting this on my credit report. I did not get a response other than the account was verified
Consumer complaint received 2020-04-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CA)

I discovered I was a victim of identity theft and after doing a police report I was advised to reach out to any sites I may have online rather my bank or what not. So I did and I also was advised to dispute any unauthorized charges that I didn't make or benefit from a few places were easy to deal with except NetSpend I reached out Everytime I saw a charge, even going backwards to when we think the fraud begain. I told NetSpend about the I'd theft and advice I was given about reporting I sent evidence of the notice of I'd theft and yet they still denied my disputes and kept saying the checked and charges were valid and I told them just because a merchant says a transaction took place doesn't mean it was done by the actual account holder. Yes I erred in writing my pin real small on back of my card on the stript. Two years ago I was injured in a car accident and the XXXX  has caused slow recall, forgetfulness and so I have to write things down. I just want my money back but now they closed my account and only sent me my money I had in my account but nothing from the disputes I filed. I already felt violated by the i.d . theft but to add this in top just made my XXXX  and feeling of violation of privacy, invasion worse
Consumer complaint received 2020-04-05
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: TOYOTA MOTOR CREDIT CORPORATION (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-03-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

PLEASE DO NOT LIE AND CHEAT REPEATEDLY. PLEASE SUBMIT THE RESPONSE IN THE CFPB PORTAL. ( Attaching a recent utility bill for identity ). 
Account No : XXXX My name is XXXX XXXX. I live in XXXX XXXX XXXX XXXX , XXXX, OH XXXX. My home phone is XXXX. I am the one who launched this complaint in CFPB. I have been following up with Bank of America on this issue for a year now, but Bank of America had not responded. Bank of America closed the complaint without responding to my concerns in the CFPB portal. Please answer the following questions in the CFPB portal. Please do not cheat me. 

XX/XX/2018, the XXXX ( XXXX ) XXXX and XXXX XXXX entered my home, violently attacked my children, left a XXXX, and stole my sons XXXX XXXX. On XX/XX/2018, the XXXX and XXXX XXXX  told me twice that XXXX XXXX and XXXX ordered the attack. The attackers also said they have been monitoring my home for months. I have been paying promptly. I explained the XXXX retaliation situation many times, and I always said I would pay and asked for time. I also mentioned that the XXXX case is ongoing in EEOC. 

Sunday, XX/XX/2018, in-humanely XXXX XXXX and XXXX attacked my son, left a XXXX, and stole his XXXX XXXX. The next day, Monday morning, when my son went to school ; the school said that his XXXX XXXX license plate is cancelled. I dont know how Mr XXXX XXXX school knew about the license cancellation very quickly. 
I have invested over {$26000.00} in my sons XXXX XXXX. I have been following up with Bank of America since 2018 on this incident, but no response. I financed my sons XXXX XXXX through Bank of America ; does Bank of America have the policy to send XXXX and XXXX XXXX, take my sons XXXX XXXX without any notice, and violently attack my children? 

What happened to my {$26000.00} investment? 
Which policy allows Bank of America to send XXXX XXXX and XXXX to take my sons XXXX XXXX without any notice and attack him? 
Does Bank of America have the policy to monitor my family? 
I always said I would pay. I want my sons same XXXX XXXX ( XXXX ). I will pay the money. And I also want compensation for all the sufferings and losses we endured unjustly because of Bank of America 's violent act. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-03-26
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: Advantage Credit, Inc. (CA)

I have been going through an identity theft situation it has impacted my credited report for some time and i have been trying to get this cleared up for months. there are several inquiries appearing that i have not been apart of. im not looking for any new credit so these inquiries are not fair
Consumer complaint received 2020-04-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (MS)

In XX/XX/XXXX, XXXX, XXXX, and XXXX of XXXX I was going through financial hardship and was late on those payments. I hit points of not having internet, phone, or vehicle to get into contact with this company. I have been deferring both loans recently due to the coronavirus outbreak and the hardship I am dealing with at the moment.
Consumer complaint received 2020-04-05
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. (PA)

I have notified Experian 5 times that an account they placed on my credit report does not belong to me. I did not ask Experian for a credit boost. I did not submit any documents to Experian so they can place an account on my credit report for a credit boost. I already have enough credit so I would never submit a request for a credit boost. This could be an account that belongs to my father since we have the same name
Consumer complaint received 2019-04-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accelerated Receivables Management, Inc. (WY)

Company ACCELERATED RECEIVABLES started calling several times a day at both my work, my home and my cell number. Many times when attempting to call back would be greeted with a this number has been disconnected message. When I finally got ahold of the company they were stand offish and it was an argument to get them to admit who they were and what they wanted. They refused to confirm the debt. Per the law I asked for them to confirm the debt in writing, which they have never done. Now they have listed a substantial credit line report on my credit report without permission. And still have not verified the debt.
Consumer complaint received 2020-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

They paid almost {$1700.00} our of our escrow and misapproriated the funds. They claim we are getting a refund from whoever they sent it to, and then want us to mail it to them even though we should be overpaid on our escrow. They had over {$2000.00} transferred from XXXX XXXX, our payment is $ XXXX+ and we've been paying {$1200.00} & {$1200.00} & {$1500.00}, so the difference is in our escrow and they should have only paid out {$700.00} plus {$3300.00} for taxes and insurance. Where is our money? Who is using it?
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I had an XXXX  account on my credit report that did not belong to me nor did I have a contract with. I submitted a XXXX  complaint and got a response from the company. They stated that they will inform the 3 credit bureaus that they will remove the account. I have the letter from the company as well as my XXXX  complain number Complaint ID : XXXX
Consumer complaint received 2020-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (IL)

There is a transaction that I'd like to dispute on my US Bank credit card but the web form is not working on their website. 

The transaction is : XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX Ca totaling {$1900.00} I have no knowledge of this transaction and I do not know what is it for. I have not received any merchandise or service from the merchant charging me.
Consumer complaint received 2020-03-26
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

XX/XX/2018 XXXX  took money off two of my cards. I contacted them multiple times about this to dispute it. They disputed it and gave me my funds back twice which was an error on their end. However, they added the funds back to my balance with interest fees. Ive contacted them to do something about it and asked to speak with a supervisor and Ive got nothing.
Consumer complaint received 2020-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAVALRY INVESTMENTS, LLC (IL)

Account was listed by XXXX  to be closed this month XXXX. Account is not closed but date was changed from XX/XX/XXXX to XX/XX/XXXX. Account has incorrect data and should be removed from my credit report.