davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

Subject : Account # XXXX XXXX XXXX XXXX Cancellation and Delinquency Report On Monday, XXXX XXXX I sent a letter requesting cancellation of this account along with a payment for fees that were upcoming in the amount of {$5.00}. Check number XXXX was cashed by XXXX XXXX XXXX on XX/XX/XXXX. This letter clearly states, By cashing this check, XXXX XXXX XXXX acknowledges notification that the account is to be cancelled and this will serve as final payment. Final Payment is also written on the check itself. ( Copy of letter and check number XXXX is enclosed ). 
This account should have been closed on XX/XX/XXXX. 
On XX/XX/XXXX I received notice that XXXX XXXX had reported this account Past Due and Delinquent. 

On XX/XX/XXXX, I immediately paid {$35.00} that should not have been charged and accrued. Also, I contacted XXXX XXXX XXXX customer service to immediately cancel the account. I was told that they could not reverse the Delinquency Report. ( Copy of Payment and Account Closure is enclosed ). 

May I kindly request that XXXX XXXX XXXX remove the Delinquency Report from my credit record.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Every month, since XX/XX/XXXX, I have notices that XXXX ( my XXXX loan lender ) is providing an incorrect balance and inaccurate actual monthly payment to all 3 credit reporting agencies. Because, I am trying to improve my credit score, the accuracy of this information is very important. Even the XXXX XXXX monthly balance and actual payment is missing, not reported at all. I believe if all of this information was reported correctly, my credit score would be higher.

Every month, I have had to file a dispute with all 3 credit reporting agencies against XXXX. When I contact XXXX they tell me that they are reporting the correct information. 

Only last month did I learn that XXXX is using a third party distribution center to send the updates to all of the credit reporting agencies. I believe this is were the breakdown may be happening. 

Today is XX/XX/XXXX and all 3 credit reporting agencies are still showing the incorrect balance of {$87000.00} for XXXX. I understand the reporting is one month behind, and that XXXX reports information being reported for the month of XXXX is still showing incorrectly.
Consumer complaint received 2023-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (OH)

I received an unsolicited credit card that I never applied for from the company called NetSpend. 

I do not know how they got my name or information. I did apply for financial assistance to pay for hospital stay and applied for XXXX though Ohio health and hope neither of these organizations would be sharing personal information.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX I sent Creditor Certified Letter asking them for Validation of Debt they are reporting on my credit report. I received NO RESPONSE. Per federal law and the FDCPA, regulation under the following 15 U.S.C. & 1792 et seq. 15 U.S.C. & 1692g, Validation of Debts, creditors are REQUIRED to provide this information within 30 days upon request or RELEASE the invalidated debt information from my credit report. I'm including PROOF that the creditor received the notification request from me more than XXXX  days ago and DID NOT respond nor did they REMOVE the XXXX items listed on my credit report.
Consumer complaint received 2020-12-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (SC)

I noticed a drop in my credit score and found that this company COMMONWEALTH FINANCI added ( 2 ) New Debts to my credit report reflecting as an open dates of XX/XX/XXXX ( 2 mos ) and XX/XX/XXXX ( 11 mos ). I have not resided in the State of Florida for over 3 years. I have not visited a medical facility in Florida since moving. This can not be my debt based on the " OPEN '' dates of this debt. Statute of Limitations and FCRA limits the time a debt can be collected or reported based on the " OPEN '' date of an account. This is fraud.
Consumer complaint received 2015-12-12
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I was trying to get direct deposit so bank of America can get there payment the payment did n't get set up in time so I all bank of America I spoke to one of the customer service representative I was told she would n't she could n't accept my payment but could accept my late fee which was XXXX dollar so from then on my account was late account was behind so far it is hard for me to catch so since then I have been making my payment so they told me they would wave all my late fee and for me to start paying XXXX a month to get caught by they are not fair and they tell you one thing and do something totally different so my credit is mess up so therefore they are giving me bad credit. please investigate this for me please Thanks
Consumer complaint received 2020-12-24
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Mandarich Law Group, LLP (CA)

This collection agency Mandarich Law Group has misrepresented this matter on several levels from statement of being attorney 's, filing a claim fraudulently, garnishing wages on a settled/paid claim. I was first notified of this matter through my employer upon a garnishment notice. Upon receipt I contacted this company who stated they were attorney 's representing their client XXXX XXXX XXXX XXXX, who has acquired a debt from XXXX XXXX. They stated they a case was filed in court and that a judge had granted award. When I spoke with them in regards to the erroneous nature of the claim and that the court filing had been perjured as I had never been served any documentation by XXXX, XXXX XXXX XXXX nor Mandarin Law Group as it pertains to this case or it's validity. When the facts were presented we were offered a settlement, and for the sake of time we countered the offer and agreed upon a settlement as to not increase case load in the Superior court system. The agreed upon amount was paid on XX/XX/XXXX in the amount of {$7400.00}. At that time I requested that ALL garnishments be terminated and refunded, of which I was told that they would provide that information to employer, court and Sherriff civil department. On XX/XX/XXXX I notified the Mandarin Law Group that garnishments were not terminated as agreed upon and this was a breach of agreement. As I have upheld my portion of the agreement. They have misrepresented by claiming to be attorney 's and they are indeed a collection agency, when I requested to speak with the attorney assigned to the case it has never been one available to speak with me or contact me. When I addressed the perjury in this case there was no correspondence. The entire case is based on false claims and from a company ( XXXX ) that has thrived on predatory lending practices of which I plan on pursuing as this case had been paid sometime ago with XXXX.
Consumer complaint received 2020-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MA)

I have tried to contact XXXX  Experian and XXXX XXXX regarding old car loans that are eight years old and over and another one thats almost 6 years old almost 7 that are no longer open with credit acceptance. None of these agencies have bothered to close the accounts I have contacted them multiple times as well. Consequently I can not do anything and my credit score is abysmal.
Consumer complaint received 2020-12-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

I received a bank wire transfer from an investor for my business of XXXX. I only had my account for a few weeks but when I opened the account they told me it was fine to receive the transfer. Yet they closed my account without notice and no explanation to why. I set all my business transactions with this bank and I cant get any info from no one! They only told me it will take 7-10 business days to close my account and 3-5 business days to send me a cashiers check! WTH is going on!
Consumer complaint received 2020-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

STILL can not obtain my FREE ANNUAL CREDIT REPORT from Equifax. I have mailed them the documents they asked for in XXXX, XXXX, and XXXX of 2020. They are receiving my documents. Now they have closed off my online access to view a soft copy of my report on XXXX See attached. These guys are straight ridiculous and have denied me access to my credit report for TWO YEARS NOW. It hasn't been fixed, they cut and paste that I need to mail them the documents I've sent MULTIPLE TIMES JUST THIS YEAR. SEND ME MY REPORT THAT I'M ENTITLED TO VIEW UNDER MY FCRA RIGHTS.
Consumer complaint received 2020-12-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (NC)

I purchased my house in XX/XX/2020. My lender was XXXX. I received a payment voucher from Planet Home Lending in XXXX. I contacted XXXX to ask who I should pay. They informed me that they were still my lender and I made my XXXX mortgage payment to them. Planet Home Lending has been calling demanding XXXX payment as well. I spoke to XXXX XXXX yesterday and he was supposed to provide a copy of the goodbye letter from XXXX XXXX. He never called back or emailed me the letter. I suspect it doesnt exist since my lender said that they still owned my loan. I believe that Planet missed a step in the process to take over my loan. They have demanded that I pay them for XXXX when I have already made my payment to my original lender. 
Planet is bullying me and trying to make their mistake my problem. They have threatened to report this delinquent payment to the credit bureau. My XXXX payment was made on XX/XX/XXXX so I am definitely not delinquent.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

They are report late payment when I have provided proof that I was never late wit my child support it shows I only have 63 percent payment made on time when it should be 100 percent payment made on time the account is TENNESSEE DEPT. OF H
Consumer complaint received 2020-12-26
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: EQUIFAX, INC. (CA)

I sent a letter to all 3 bureaus concerning my credit report. It's been over 60 days with no response. This is a violation under the FCRA pursuant to 15 USC 1681i. Failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. You are in violation of the FCRA! I demand these accounts be deleted immediately from my credit profile!
Consumer complaint received 2020-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter to all 3 bureaus concerning my credit report. It's been over 60 days with no response. This is a violation under the FCRA pursuant to 15 USC 1681i. Failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. You are in violation of the FCRA! I demand these accounts be deleted immediately from my credit profile!
Consumer complaint received 2023-02-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I opened a paypal business acount to fund my business in XXXX, i made XXXX purchases totaling XXXX $ paid that in payment, my account was and card was stolen i was locked out of paypal could not communicate until Port folio co sent me a letter and manyyyyyyy phone calls i requested itemized statements XXXX times only got final page of each statement spoke to them a year ago ask them to leave me me alone and quit reporting to credit bureau i just got a nother letter I have a formal report reporting the theft of my wallet the cops dont care.. but i reported it in XXXX  they want mw to pay XXXX $ im not responsible.My husband is XXXX i am XXXX and XXXX XXXX
Consumer complaint received 2020-12-25
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$5900.00}, {$620.00}, {$1100.00}, {$1000.00}, {$2400.00}, {$6900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 


-- AUTO LOAN OR LEASE 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$620.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened onXX/XX/XXXXwith a balance of {$6900.00} -This is not my account.
Consumer complaint received 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (OH)

on XX/XX/2020 I went in to XXXX XXXX to have a FREE CONSULTATION, i was " helped '' by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. after not liking the actions they wanted to take i decided not to follow through with any work being done or any more apointments. i did not give permission for my credit to be ran which in turn gave me a hard inquiry and even more so an OPENED ACCOUNT! it was brought to my knowledge by an email from my credit monitoring that an account was opened in my name!!! i called the office and spoke to a person named XXXX and he admitted that my credit shouldnt have been ran without my consent neither should an account have opened in my name if i was only going in for a free consultation ... now i am in the process of trying to have this removed from my credit file.
Consumer complaint received 2020-12-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST (AZ)

bank of the west has been reporting I owe them XXXX on my credit for months. Ive made multiple attempts to the collection agency and BOTW as well but I never get any response. They are ruining my credit and I've offered payment for delete over the amount and now the exact amount and still I've received no reply.
Consumer complaint received 2020-12-24
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: Bread Financial Holdings, Inc. (WI)

I checked my credit report and noticed victory secret have placed a hard inquiry on my profile and I never applied for any type of account or credit card with them I have no knowledge of this inquiry XX/XX/2020 2020
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XXXX of this year 2023, Bank of America decided to close my credit card, saying that it was a unilateral decision on their part. When I checked, they took away all my points earned in the rewards program that they offer, something that almost reached {$2000.00}. When I called on several occasions they told me that they could not do anything, since they had decided to close the card and the points were lost, I opened a claim and they answered the same thing, however they told me that I had to pay my credit card as much. as soon as possible so that it does not affect my finances, it seems to me that if I earn my points using the card as they say, it is not fair that they decide to keep the reward, however, as I said before, it must be fully complied with with the payment to them, I was finding out and investigating where I could complain until I managed to get this excellent page where I can leave my problem and I think you can help me
Consumer complaint received 2020-12-24
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)

How can I get XXXX XXXX XXXX XXXX to quit claiming my complaints are duplicate and explain and give proof why they had permissible purpose to access my credit report and why they refuse to send me copy of credit report used for loan # XXXX?
Consumer complaint received 2020-12-24
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. (FL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2020-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MD)

I over paid my credit card by at least {$3300.00}. I've asked for a refund check over a month ago around XX/XX/XXXX and still have not received the check. They said 7-15 business days, it's been way over that time period, I feel the credit card company, Paypal Mastercard by Synchrony Bank, is holding my overpayment as long as possible, making it extremely inconvenient for me to pay my bills. I need this money and they have not paid me back, really messed up when they can hurt my credit score for not paying on time while these crooks have not paid me back in the time they said they would.
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (SC)

XX/XX/2023 - Initiated a payment via XXXXXXXX XXXX to Citi Bank. By mistake, I paid {$9000.00} instead of {$1000.00}. 
XX/XX/2023 - {$9000.00} withdrawn from bank account by billpayer XX/XX/2023 - Over payment {$9000.00} posted to Citi Cards XX/XX/2023 - Called Citi Cards to request an overpayment refund. Was told I could get a refund check in 2-3 week. I escalated the call to a supervisor and was told I could get a refund to my bank via EFT in 2-3 days XX/XX/2023 - No refund. Called Citi Cards & was told it would take another 2- 3 days. 
XX/XX/2023 - Call to request a refund again - was told it was in a supervisors hands to approve in the next 2 days. 
In no case did any customer service representative indicate that it would take this long for a refund. In every case they followed a script and lied about the status. No one from Citi Cards ever called to verify my request.
Consumer complaint received 2024-02-28
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 urge you to address this discrepancy on my credit report promptly. I assert that this account is not mine and suspect it to be fraudulent. Please rectify this error, and I have provided supporting documentation for your verification.
Consumer complaint received 2023-10-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

I received a check in the mail on XX/XX/2023 from social security and I went to deposit it into XXXX XXXX  but was told that there is a bank that reported me as fraudulent. I received my credit report from XXXX and it says there is no fraudulent activity on my account. I then ordered another credit report from ChexSystems and I see that one bank has reported me but it doesnt show who or what the name of the bank is.