davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

CITI BANK CORP automatically initiated " paperless statements '' upon the online banking set up process. Apparently, you need to " uncheck '' a box to receive paper statements. CITI BANK sent the first statement ( new account ) via email, I was unaware until it was 30 days past due. Once realized I hadn't received a paper statement in the mail I called customer service in which they informed me it was past due. I immediately paid the account in full, requested they remove the automatic " paperless statements '' and asked to have fees removed. CITI BANK CORP understood situation and refunded late fees as well as any accrued interest charges. They would not however remove the 30 day late reported to the credit bureaus. CITI BANK CORP should take ownership of its deceptive business practices in blindsiding the consumer. Having to find an " uncheck '' a box is not how majority of credit card companies go about signing up for this feature. I understand credit card companies are always finding cost cutting measures but it shouldn't be at the expense of the consumers credit report. I've never been 30 days late on any account, receive well over 300+ emails per day so " paperless '' statements is never an option. I feel this is a gray area and not a true reflection of the reporting made to the 3 credit bureaus. Signed, XXXX XXXX. # FrustratedCITIBANKcustomer
Consumer complaint received 2020-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (GA)

Roundpoint wrongfully forceplaced insurance on our home XX/XX/XXXX to XX/XX/XXXX. 
They sold the mortgage to XXXX XX/XX/XXXX. 
We have sent evidence of insurance for the period in question through my insurance agent as well as myself by phone & fax. They will not accept emails. A new person answers each time and claims not to know the previous person that attempted to resolve the issue. Most recently it was XXXX in XX/XX/XXXX ( we were told a refund check would be mailed. Never received ). Then XXXX employee # XXXX was looking into the issue additionally requesting I share documentation by fax. Today XXXX  ( " XXXX '' ) advised they saw notes on file. Checking into the matter of a refund. Put on hold for over 20 minutes then call dropped. All persons communicated with are polite but no action or follow through occurs to refund the premium.
Consumer complaint received 2019-12-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NE)

I have a collection from Fair collections and outsourcing for {$4500.00} opened XX/XX/2015. I have never received a notice of this debt in letter form, I have not been contacted by the collection agency. I have attempted to dispute this debt through XXXX XXXX and XXXX, within 24 hours of starting the dispute it is returned as valid. This is preventing me from being approved for a home loan and is extremely irritating.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXXXXXX XXXX XXXXXXXX Account Number XXXX Account Name XXXXXXXX XXXX XXXX  Account Number XXXX
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-23
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: Experian Information Solutions Inc. (NC)

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 2023-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX po box XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4800.00}
Consumer complaint received 2019-07-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (MS)

I got a bundle with XXXX XXXX XXXX as of today 's date they never gave me my military discount nor any discount for having multiple services as they advised they were going to do when I signed up I gave them a copy of military id card and advised them on numerous occasions that I did not get the discount for having cell phone home phone internet I am still waiting on the correction to my bill. XXXX XXXX XXXX advised they were working on it but after several months not one discount had appeared on the bill as agreed when I got the services.
Consumer complaint received 2024-03-14
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. (NC)

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 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-07-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth (WV)

I was contacted through text from ARS. They mentioned they would be willing to take XXXX % for my debt. I texted the number back because it did not mention the company name. I called the company to get more information, and they stated the name of the debt. I wanted to call them back so I could see how much I could afford to pay, and to see if I could check the status of the delinquent account. The representative repeatedly stated that if I hung out, then she would no longer be able to offer this. I then told her that was okay, and I would call them back after I checked on some things. She said thank you and hung up.
Consumer complaint received 2022-12-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

AmeriHome Mortgage company bought my mortgage from another company almost a year ago. In XXXX of this year I got a notice saying I owed {$990.00} in shortage. 
The shortage had to do with property insurance increase. I switched insurance companies that was {$620.00} a year less. 
Instead of my mortgage payment go down it went up to {$1300.00} The first insure reimbursed me {$1700.00} which I gave to AmeriHome Mortgage Co. to apply escrow. 
Now my mortgage payment went up from {$1500.00} to {$1700.00} in XX/XX/XXXX and will go up again starting XXXX to {$1700.00} a month. 
I was told because they paid the second insurance for the year also. 
The first insurance was paid on XX/XX/XXXX and cancelled on XX/XX/XXXX which equalled 5 months leaving 7 months for the new insurance to cover not XXXX mire months. 
The AmeriHome mortgage received {$1700.00} refund of what they paid the first ins. company. They want me to pay 2 months of escrow in advance by XX/XX/XXXX or my mortgage payment will be an additional payment of {$190.00} to my existing payment of {$1500.00} a month making it {$1700.00} in XX/XX/XXXX and in XX/XX/XXXX payment will increase again to {$1700.00} for 12 months unless I pay {$1300.00} by XX/XX/XXXX.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I submitted a complaint last XX/XX/2023. Involved companies responded but there are still fraudulent items reporting on my credit report. I submitted a complain again last XX/XX/2023 and it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-28
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: Fidelity National Information Services, Inc. (FNIS) (TX)

In XXXX of XXXX some accounts were opened in my name as a result of Identity Theft. 
I only found out in XXXX of XXXX when trying to open an account at my local credit union. 
I went to a XXXX XXXX XXXX branch where i spent an hour and a half on the phone with other representatives only to leave with no claim filed. I later found the claim phone number and got a claim opened on XX/XX/XXXX. I was told I would be sent an email to upload information so the claim can proceed. I have still yet to receive the email. I disputed the Information directly with XXXX XXXX XXXX  and the information was removed however, this information is still being reported to Chexsystem and needs to be removed since it is preventing me from banking anywhere other than a prepaid bank. I need this issue resolved. I have called them 3 times since and every time they tell me ill receive the email in 72 hours and of course i never do.
Consumer complaint received 2019-07-12
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (KS)

This is a student loan that my wife took from XXXX while attending college in XX/XX/XXXX. When we got divorced in XX/XX/XXXX the divorce decree states that she is solely responsible for any and all student line debt. She has since filed bankruptcy and XXXX tells me, when I call them, that she included this loan in her bankruptcy. It shows as a charge off on my credit report so it needs to be removed.
Consumer complaint received 2019-07-12
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

This is a student loan that my wife took from XXXX while attending college in XXXX. When we got divorced in XXXX of XXXX the divorce decree states that she is solely responsible for any and all student line debt. She has since filed bankruptcy and XXXX tells me, when I call them, that she included this loan in her bankruptcy. It shows as a charge off on my credit report so it needs to be removed.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2019-12-09
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: FACTUAL DATA CORP. (CT)

I have contacted both the company who did the hard inquiry as well as XXXX   multiple times. I have also sent certified mail to all 3 credit bureaus ' and I keep getting told, these companies did not need my permission to run my credit history! I need to send a letter to the agencies that pulled the hard inquiry and when I do that, they tell me that nothing they can do! I have spent countless weeks/hours trying to rectify this & I just keep getting the same answer. NO ONE CAN help me.
Consumer complaint received 2019-12-09
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: NATIONS LENDING CORPORATION (CT)

I have contacted both the company who did the hard inquiry as well as XXXX   multiple times. I have also sent certified mail to all 3 credit bureaus ' and I keep getting told, these companies did not need my permission to run my credit history! I need to send a letter to the agencies that pulled the hard inquiry and when I do that, they tell me that nothing they can do! I have spent countless weeks/hours trying to rectify this & I just keep getting the same answer. NO ONE CAN help me.
Consumer complaint received 2023-05-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My credit report was accessed without my permission. Bank was instructed to run credit report only once at starting of credit. Credit was accessed and decisions was made to close account without my permission.
Consumer complaint received 2019-12-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (FL)

I have disputed an erroneous Ally Financial account on my credit reports for 8 Months. Ally Financial has failed to provide validation for this account that proves that this account belongs to me. 

Account Number : XXXX****
Consumer complaint received 2019-12-02
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 AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 



ACCOUNTS : XXXX XXXX XXXX XXXX {$530.00} XX/XX/2017
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Year XXXX or XXXX. I had a Wells Fargo savings and checking account. Was issued a ATM card that had overdraft protection with crazy penalty charges. After a while of dealing with these ridiculous overdraft charges. I decided to close my accounts. About a month later I was informed that my Social Security back payment checks were sent to my Wells Fargo account that has been closed for weeks now. I spoke with several employee 's at the Well Fargo branch in XXXX, Ca. A few days and alot of calls, I finally got ahold of the branch manager. I couldn't remember his or her name but I remember there were at least two different branch managers or two different people claiming to be in charge. They explained to me very abruptly that my checks were on hold and in no way that they were going to release them to me unless I allow them to deduct the money I owed on my closed account. 
I was stonewalled, I didn't want to be stuck out on the streets with no place to go. The day that my checks where discovered held by Wells Fargo was the day my landlord got feed up with my excuses on my long awaited social security back payment checks. The hold by Wells Fargo caused me alot of grief that year and caused me to be homeless.So when Wells Fargo offered me {$5000.00}. Instead of $ XXXX.I took it and spent most of it on hotel rooms, stolen property and lost personal items that can never be replaced.
Consumer complaint received 2019-07-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CO)

I have a American Express Bluebird prepaid card for a couple years now. I use it ifor everything I recently I been on vacation this last week and two days before I was headed home I try to use my card and it got declined so I called the company right away and they told me that somebody was able to get on to my account to change my information and get a new card sent to different address. I've been on the phone with the company for 3 days and I told them that all my money that I had went on to that card it was {$1500.00} I told them that I I was stranded thousands of miles away from my house that I need to get home I rented a car it was on that card my rent my way to get home everything they told me I'd have to wait till the XXXX to get it done I don't understand it's my money I need it right now didn't make a purchase or order a new card I thought they had the protection against that but I guess not I'm down in out an have tried everything and am getting no where with American Express. I have no other money I'm stranded with my son. There's got to be something that could be done??
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I sent a letter to remove this personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove this personal information not later than 4 business days. 
XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX