davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I AM A LIVING PERSON PLEASE DONT CLOSE OUT MY COMPAINT WITHOUT FULLY INVESTIGATING. I NEED PROOF AND DETAIL INFOMATION OF INVESTIGATION. 15 USC 1681 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2020-03-01
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (NV)

XXXX, a known predatory abusive and inaccurate data reporting. They allege I owe {$9900.00} each month they put in my credit report a late payment, lowering my score,. The statutes of Nevada states the date of the alleged debt starts with the original debtor. 1st I owe the original debtor Santander nothing and my last communique with them was XXXX of 2015. This alone is considered beyond statutes. XXXX continued to report derogatory and predatory information as though this debt started each time they report is every month as a missed payment. 
I have unequivocally told them, the amount is false and they are beyond NRS starutes. 
They continue to falsify the time when the alleged debt started in an attempt to appear they are within statutes when according to law the alleged debt is bound to the original creditor Santander. I've called them provided proof this debt is inaccurate and also considered beyond statutes of limitations per Nevada criteria. Santander and XXXX continue to falsely harass and damage my credit. I request they be removed from my credit report with all bureaus as their main objective is harrasmentm falsifying records to garner payment that is not owed. They are under investigation for numerous accounts of falsifying dates, amount owed to criminally enrich themselves by doing aforesaid action. I request they are ordered to cease and desist this damaging false allegation. They are predatory, actions tantamount to willfull misconduct,
Consumer complaint received 2022-10-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (IA)

I have tried fixing this issue with all three bureaus as account is stating incorrectly. I do not recall having this account. Therefore, I have requested to verify or delete. Account is stating open by XXXX XXXX while collection with XXXX and XXXX there is no way account can be both open and in collection at the same time. Account was previously stating date open as XXXX by XXXX and XXXX currently is stating as XXXX by all three bureaus. Payment history reported nothing were now XXXX is reporting CO as if it was some payment method on a dead account. Date last reported stated as XXXX by XXXX XXXX XXXX by XXXX and XXXX currently reporting XXXX by XXXX XXXX and XXXX by XXXX. XXXX has deleted the day last reported. Previous date last active stated as XXXX by XXXX XXXX XXXX by XXXX and XXXX by XXXX currently stating as XXXX by XXXX XXXX and XXXX while XXXX reports XXXX. Account is being re-age pushing back the date it should fall off that is not acceptable there is no way account can be all of the above open while in collection and reporting inaccurate dates when information is coming from the same furniture data.
Consumer complaint received 2020-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

On Saturday XX/XX/2020 I downloaded the citi bank app and I noticed my account was blocked. I immediately called citi bank customer service to figure out why my account was blocked. I spoke with XXXX and a customer service representative by the name of XXXX. I also spoke with a supervisor of XXXX. The supervisor stated there was nothing that he could to unblock my card/release my funds. I then went to the ATM to withdraw my funds and the atm stated " card has been blocked '' I then called and spoke to a representative by the name of XXXX who denied me the opportunity to to speak with a supervisor. XXXX stated that new card was being sent out to me and disconnected the call without a response from me or a ending greeting.I never requested for a new card to be sent out to me nor did I gave permission for my card to be blocked or my funds to be held.on the night of XXXX Saturday XXXX 2020 I spoke with a representative by the name of XXXX who informed me that a new card would be sent to me on XX/XX/2020 which I didn't not request.XXXX  transfer me to the fruad department due to him being unable to find notes on why my card was blocked and why a new card was being sent out to me.the fruad department reviewed along with XXXX stated that ( High risk activity ) the representative for customer service nor the fruad department could tell me why my account was blocked.XXXX  stated that my account has been permantley blocked.
Consumer complaint received 2020-03-01
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: TD BANK US HOLDING COMPANY (FL)

Hi, I had a mortgage with TD bank. Mortgage account # XXXX. I contact TD bank to re-finance my mortgage in XX/XX/2019. I was working with the bank directly, assisted by their loan processor. Before closing, the loan processor advise me not to pay the current payment of the old loan, since the new loan will stat. The numbers were final to cover the old loan balance with all fees. This was paid off and the new loan start with payments to begin in XXXX. In the meantime, TD send me notice of late payment for the old loan which result in mark on my credit report. 

I contacted TD before but didn't get a response. 

Please help me to remove this mark on my credit score. 

Thank you, XXXX XXXX.
Consumer complaint received 2021-04-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX Inquiry date XX/XX/2023 XXXX Inquiry date XX/XX/2023 XXXX Inquiry date XX/XX/2023 These companies are in clear violation of FCRA Laws and 15 USC 1681 Further, I did not give any written or verbal authorization for my credit report/profile to be accessed. These companies clearly with malicious intent tried to commit identity theft where my identity and privacy are guaranteed by both the FCRA and 15 USC 1681. ( Unauthorized used of SSN and credit information ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681o - Civil liability for negligent noncompliance Please be advised that this is not the first request for remedy.

Should ALL my grievances NOT be addressed and deleted, the next step shall be federal litigation.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2019-01-31
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: EQUIFAX, INC. (NC)

My identity was stolen several years ago and over the past 2 years there have been may fraudulent accounts listed on my report. Also I was included in several MASS data breaches which greatly exposed me. I am in Desperate need of all of this fraudulent information removed and blocked from my report.
Consumer complaint received 2024-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (CA)

Dear Sir/Madam, I am writing to address the recent decline of my application for a business credit card with Barclays Bank Delaware . It has come to my attention that your records indicate a previous credit card account with Barclays Bank Delaware that experienced charge-off, bankruptcy, severe delinquency, or other negative performance. 

I am deeply concerned by this information as I have never held an account with Barclays Bank Delaware, nor have I ever applied for a credit card from your institution. The account in question, reportedly from XXXX, is entirely unfamiliar to me, and I believe it to be the result of identity theft and fraud. 

To address this matter, I have taken proactive steps by filing an Identity Theft Complaint with the Federal Trade Commission ( FTC ). I have attached a copy of the complaint report for your reference. This report outlines the fraudulent nature of the account and the impact it has had on my credit history. 

I kindly request that Barclays Bank Delaware conducts a thorough investigation into this matter and takes immediate steps to clear my name of any association with the fraudulent account. Doing so will allow my credit card application to be processed and approved without further delay. 

I am willing to provide any additional documentation or information required to assist in resolving this issue promptly. Furthermore, I urge Barclays Bank Delaware to implement stringent security measures to prevent similar instances of identity theft and fraud in the future. 

I appreciate your attention to this matter and request timely communication regarding the outcome of your investigation and any actions taken to rectify the situation. 

Thank you for your prompt attention to this urgent matter. 

Sincerely,
Consumer complaint received 2021-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

1 ) BSI Financial, the loan servicer, has made an accounting error in my impound account with regard to property taxes paid. Their records show XXXX  payments and XXXX credit back to the account, for a net total of XXXX tax payments of {$2500.00} each. This is incorrect, since there should only be XXXX tax payments of {$2500.00} each. Thus, BSI needs to credit my impound account for the {$2500.00} error.

2 ) In addition, as a result of their error, they have increased my impound account payment by ~ {$230.00} per month in order to compensate for the mistaken " shortfall ''. This additional amount is not necessary, and puts pressure on my personal finances unnecessarily.

3 ) BSI has a history of delinquent payments on my property taxes. The problem seems to stem from them targeting the " delinquent after '' date rather than the " due date '' as the date to submit the property tax payment- effectively guaranteeing that it will be delinquent every time ( impacting my credit and my ability to take out any equity loans ). I have to contact them routinely in order to try to ensure that the tax payment is not delinquent.
Consumer complaint received 2019-12-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (OH)

I filed a company 2days ago to the FTC. THe COMMON WEALTH FINANCIAL IN PA. ACCORDING TO MY XXXX  CREDIT REPORT. A COMPANY THAT HAS NEVER WRITTEN ANY DEBT COLLECTION TO ME. THEY NEVER DONE A DEBT VALIDATION of a debt They just put on inaccurate collection on my report. Now they are retaliating by putting it on my XXXX  report a day after my complaint to the FTC. on XX/XX/2019 HERE is my complaint number with Ftc XXXX. Thanks for your help
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX refused to accept and returned my ontime payments in XX/XX/2021 and XX/XX/2021 after forbearance. They subsequently reported me INACCURATELY as 180 days late.
Consumer complaint received 2020-03-01
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. (SC)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON MY XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Consumer complaint received 2022-09-14
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. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX : {$330.00} XXXX XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2020-03-01
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. (SC)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON MY XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Consumer complaint received 2020-09-25
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. (NJ)

I have been sending dispute letters asking for these egregious accounts from XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Mortgage, XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX   XXXX  to be removed from my report as they have not provide the original credit agreement or original contract I supposedly signed for these supposed debts.
Consumer complaint received 2019-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/2019 Chase sent me a letter that stated " We have decided to close you accounts '' it listed my savings and checking accounts ( " We have decided to close your accounts '' ) The letter also included a separate page that stated all my personal credit cards has been closed " because our affiliate is ending their banking relationship with you ''. 
I have tried to contact Chase repeatedly for explanation and reached the Chase Executive Office and all I got " we can not do anything '' and again, there was NO reason given. 
I have been with Chase for around 20 years, I paid my credit cards on time, I paid all annual fees and I strongly believe I do not deserve being thrown out. While I am completely at loss why Chase banking decided to close my savings and checking accounts I do not really care about checking and saving accounts, I do care about credit cards i had with Chase. One of my oldest cards is w/ Chase. 
Speaking of checking and saving accounts, there was absolutely NOTHING, NOTHING done by me to deserve them to be closed as well. 
When i tried to Contact individual departments responsible for Credit cards ( Chase Freedom, or Chase Sapphire Preferred or Chase Amazon CC ) nobody wanted to take a responsibility and accept the fact I did not do anything wrong and were just pointing fingers around ( we did this cause they did this.. )
Consumer complaint received 2018-02-27
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: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Portfolio Recovery Associates is reporting a debt on my SS # in the amount of {$720.00}. 
I do not, nor have I ever, had an account with Portfolio Recovery Associates. I want them deleted from all three credit bureaus. The company Portfolio Recovery has placed their information on my social security number and it's causing great harm to my credit report. 

On XX/XX/2017, I sent a letter certified mail formally requesting validation bearing my signature showing that I have some contractual obligation to them. A representative from their company signed for this correspondence of XX/XX/2017. I received a letter dated XX/XX/2017, stating that this account had been validated and they were enclosing documentation. They only sent me copies of some invoices from a different company. They did not provide me with a contract bearing my signature to either company. 

XX/XX/2017, I issued another certified letter that was picked up by a representative of theirs by the name XXXX  XXXX  on XX/XX/2017. This letter informed them that they failed to provide me with copies of viable evidence that I have a legally binding contract with them. I also let them know that I would be contacting the Consumer Financial Protection Bureau. 

I received a letter from XXXX XXXX XXXX XXXX dated XX/XX/2017, stating that they had reviewed my dispute and responded previously to the same dispute. They stated that no further replies would be forthcoming unless I provide them with new information. Their office considers this matter closed. They are willfully being noncompliant. 

I do not, nor have I ever had a binding contract with Portfolio Recovery Associates. This is damaging my credit and I demand them to remove this from my credit file. This is a violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and a violation of the Fair Credit Reporting Act ( including but not limited to Section 623b ).
Consumer complaint received 2023-11-29
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. (GA)

Unauthorized Credit Inquiries I RECENTLY RECEIVED A NOTICE THAT I WAS A VICTIM OF A DATA BREACH. 
I am filing a complaint with the CFPB regarding unauthorized and potentially fraudulent credit inquiries that lack proof of permissible purpose, as mandated by the Fair Credit Reporting Act ( FCRA ). These inquiries allegedly originated from the following Original Creditors : Alleged Creditor # Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: REGIONS FINANCIAL CORPORATION (GA)

I opened a credit card with Regions Bank and they created a balance transfer of {$3600.00} in XXXX from my XXXX XXXX card. I called when the balance transfer did not show up and the agent said she didn't see the transfer so she would just do another one. It was for {$3600.00}. 

Not long after that I noticed I now owed {$7300.00}!! I was also charged XXXX balance transfer fees. Since XXXX, Regions has been telling me they will reverse the charges and fix their error. 

I called back shortly after XXXX and an agent told me they never opened a ticket to reverse the issue. I am STILL waiting for these charges to come off of my account and to be refunded the additional balance transfer fee. I am being told I must pay double the payment or I will get late charges! 

This issue has dropped my XXXX XXXX almost XXXX points but I am being denied the right to fix it. Regions has not only charged me double and erroneous charges but has also destroyed my credit and ability to apply for loans elsewhere. 

I have called over the last few months so many times and spent so many hours trying to fix the issue that I have lost count. Regions has all the notes on this issue but STILL will not fix it. I was told it should have been reversed by the end of the week XX/XX/XXXX or so, yet here I am again. 

I don't understand how this can be acceptable to do for a customer and they will not allow me to speak to anyone higher up from the regular number for customer service. I tried emailing XXXX of the top managers at Regions I found online and that still did not work. 

PLEASE help me repair the credit and get these charges reversed since they will not help. 

Thank you