davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-06
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX {$3100.00} XXXX  XXXX {$5700.00} XXXX XXXX XXXX {$150.00} XXXX XXXX {$700.00} XXXX  XXXX {$3100.00} XXXX XXXX {$820.00} XXXX  XXXX {$5700.00} XXXX  XXXX {$220.00} XXXX   XXXX {$820.00} XXXX  XXXX {$260.00} XXXX  XXXX {$670.00} XXXX XXXX   XXXX {$1400.00} XXXX  XXXX XXXX XXXX {$100.00} XXXX  XXXX {$100.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX {$45.00} XXXX XXXX   XXXX {$25000.00} XXXX XXXX   XXXX {$610.00} XXXX   XXXX {$7700.00}
Consumer complaint received 2020-04-06
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX {$5700.00} XXXX XXXX XXXX {$150.00} XXXX XXXX {$700.00} XXXX  XXXX {$3100.00} XXXX XXXX {$820.00} XXXX  XXXX {$5700.00} XXXX  XXXX {$220.00} XXXX   XXXX {$820.00} XXXX  XXXX {$260.00} XXXX  XXXX {$670.00} XXXX XXXX   XXXX {$1400.00} XXXX  XXXX XXXX XXXX {$100.00} XXXX  XXXX {$100.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX {$45.00} XXXX XXXX   XXXX {$25000.00} XXXX XXXX   XXXX {$610.00} XXXX   XXXX {$7700.00}
Consumer complaint received 2024-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: PENNYMAC LOAN SERVICES, LLC. (UT)

My payments are set up on automatic payment which has ALWAYS been paid before the due date on my PennyMac account. When I went to print out my end of year information, I see that, although my payments were received on time, they have been charging me late fees for the entire year and say I owe a whole lot more than I do for the latest monthly payment. I talked to them about this a long time ago, yet STILL they keep charging the late fees. Since I am an older adult and on a fixed income, I think they are trying to SCAM me!
Consumer complaint received 2017-02-14
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (SC)

I have been getting charged fees on a so called XXXX percent 18 month promotion from Best Buy through Citi Bank credit card. No one every explained or notified me that even though there is no interest rate tied to the purchase that there is a service fee of almost {$25.00} per month for an unwanted debt protection plan. This adds up to an extra {$500.00} in fees in a 18 month period.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2023-02-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo Class Action Lawsuit I had a auto loan with Wells Fargo from XXXX. I have moved a few times since then and I am wondering if i am part of the class action lawsuit. I have not received a letter. I tried calling. I got a rep that did not know how to help and then forwarded me to a number that disconnected me. I don't have a current account there but I want to know if I am eligible to participate in their repayment.
Consumer complaint received 2020-04-06
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. (TX)

I filed a dispute with Experian XX/XX/XXXX to dispute three accounts after checking my credit report. 

I do not recognize XXXX XXXX XXXX  as someone I owe and they have not been able to furnish a contract or a HIPAA agreement that gives the creditor permission to report to EXPERIAN or any credit reporting agencies, or that this debt was purchased by XXXX XXXX XXXX XXXX or that they are acting on their behalf through an assignment. 

With XXXX XXXX XXXX XXXX XXXX ( XXXX  ), the account is paid in full XX/XX/XXXX and they continued to mark the account as CHARGED-OFF XX/XX/XXXX and XX/XX/XXXX which is not only inaccurate but furthers the First Date of Deliquency to XX/XX/XXXX. So this debt has been re-aged. CDIA states that a CHARGE-OFF is an " unpaid balance reported as loss '' even though the account has been satisfied. 

XXXX XXXX reported after my dispute that the account on XX/XX/XXXX is also CHARGE-OFF which by the CDIA means that there is an " unpaid balance reported as a loss '' however the ccount was written off for {$0.00}, no prior late payment between XX/XX/XXXX and XX/XX/XXXX, and the account was satisfied XX/XX/XXXX through XXXX. This account also been re-aged. Please note that this account was also removed in XX/XX/XXXX by Experian due to the account being inaccurate or unverified. 

EXPERIAN did receive the receipts I have provided and through my case manager Ms. XXXX XXXX have acknowledged that the information I have provided matches what XXXX and XXXX XXXX provided. Attached to this compliant is call made to Experian and my case manager Ms. XXXX, where I asked about Experian 's policies and determination of the results given to me. These actions are in violation of 611 ( a ) ( 5 ) ( A ) and reinserations in FCRA 611 ( a ) ( 5 ) ( B ). 

Yet the reporting these companies have made are incorrect also violate of FCRA 623 ( a ) ( 8 ) ( E ) and I have yet to receive the documentation as stated in FCRA 609 ( a ) of my consumer file for further examination.
Consumer complaint received 2022-12-29
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2020-04-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (IN)

XXXX  @ huntington contacted us to fill out a packet and return via email to them to stop the foreclosure process on XX/XX/20 we emailed hem the information they requested. Next day another email came in saying they couldnt open the emails, so we emailed the packet again on XX/XX/20. In the mail on XX/XX/20 we received a letter from Huntington bank stating Notice of Intention to Accelerate and Foreclose if payments were not received by XX/XX/20. We tried to ask via email a contact name for our case with no response. We tried to call on XX/XX/20 and not one single person in the department at XXXX that day. As of today XX/XX/20 we still have had no response from Huntington Bank.
Consumer complaint received 2020-04-06
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowner 's program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX XXXX {$99.00} XXXX XXXX XXXX XXXX {$140.00} XXXX  XXXX {$26.00} XXXX XXXX XXXX {$250.00} XXXX  XXXX XXXX {$390.00}
Consumer complaint received 2022-12-29
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. (NY)

This is my next request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-04-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (NY)

I have not been allowed to send or receive any money for over a year and am being treated like I am a criminal without basis. I was sending money to XXXX to my friend who is a widow and with child. I was sending money to my family in XXXX where I am originally from. Not a lot of money ; just enough to support her and her child in XXXX and my family in times of need. Then someone that is not a US citizen calls me from Western Union and asks me questions that I answered honestly and without hesitation only to be banned from sending and receiving any money from Western Union and XXXX forever. I do not believe non citizens should have this kind of control on US citizens. Kinda scary. I thought the ban would go away only to find out it is indefinite. I have heard from others who send money to XXXX that have had the same happen. I am where I am from. I should not have to cut ties from everyone I know because some foreigner thinks I am being a XXXX by sending a couple XXXX dollars that doesn't even buy dinner for a family in XXXX to starving people that can eat for a month. I would like my rights reinstated and taken off whatever list I am on because XXXX banned me the same time without reason.
Consumer complaint received 2020-04-06
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 was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$440.00} XXXX  XXXX {$4200.00} DEPTEDXXXX  XXXX {$1700.00}
Consumer complaint received 2020-04-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (IA)

about XX/XX/2020 I received 2 separate debit cards in separate envelopes that I had NOT applied for from the Chase Bank. Two days later received two separate letters from the Chase bank with copies of cancelled checks, stateing that they were not opening an account for me -- -an account I HAD NOT APPLIED FOR! ( We have NO accounts with Chase Bank and there is no Chase Bank anywhere near us! ) Not knowing if these letters were from a bogus place, I contacted our local bank and they put me in touch with XXXX XXXX. I found that someone had stolen my idenity and had set up at least 2 accounts with Chase Bank and tried to set up more. With XXXX XXXX  help, I contacted Chase Bank on XX/XX/2020 and talked with their Fraud department and gave them all the information they requested. They assured me they would follow up and handle it so that my good credit would not be damaged. I followed the directions of XXXX XXXX  and filed a report with the local Sheriffs dept., contacted all the agencies they recommended and thought it was corrected at the Chase Bank. Since then I have received statements from Chase, first detailing I have a Minus balance ( on two different accounts ) but now I am receiving statements from Chase and the minus balance has changed to a POSITIVE BALANCE and they are demanding payment. So once again I called the Fraud dept. of Chase Bank onXX/XX/2020 and talked with a rep. She went through the computor and SAID SHE FOUND NO RECORD OF ANY REPORT BEING FILED IN XXXX OF FRAUDLENT ACTIVITY! I was on the phone in XXXX for almost an hour with the Chase representative but no record was found anywhere. So once again I talked with my contact at XXXX XXXX and I again had to file with the fraud dept at Chase Bank. I have spent hours dealing with this and can not understand how something so simple as a report given to a person with a computor is not logged properly. I was on hold to talk to the Chase bank on XX/XX/2020 for 1 hour and 45 minutes and another hour getting this straightened out!
Consumer complaint received 2024-03-18
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. (TX)

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 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX  Account # : XXXX
Consumer complaint received 2023-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was surprised to receive a " tax deliquent '' notice on XX/XX/XXXX from my township regarding my quarterly property tax payment due XXXX. My property tax is held in escrow and paid by Bank of America. 

I called my local property tax office only to learn that Bank of America had paid the tax late. 

Bank of America deducted the property tax amount from my escrow account at its usual time ( XX/XX/XXXX ). I suspect that this is a scheme by the bank to manipulate their cash flows. This is directly damaging to the financial health of the community that I live in, and causes unnecessary stress to me. It is also typical that BofA would not communicate any information about the situation to me, in order to leave me in that uncertain and stressful situation of wondering whether I needed to come up with another quarterly tax payment post haste. 

The last time that Bank of America played with the timing of my property tax a few years ago, it resulted in only three payments being made during one calendar year instead of four, and had an impact on the deduction I could take on my income tax and hence my refund.

Then, as now, I objected to the fact that an untrustworthy financial institution has claimed the ability to pay my property tax by virtue of holding the mortgage on my house. I wanted to be able to pay the property tax myself, without the Bank of America escrow account, but was told this was not possible. I would like to see regulation that liberates home owners from this risk. I would also like to see regulation that makes Bank of America and others more responsible for their behavior.
Consumer complaint received 2022-06-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Hello, when my accounts at XXXX were closed, there was an installment loan standby cash attached the checking account, I tried two times both in XXXX of 2022 and again in XXXX of 2022 of paying the balance owed, neither time did they process the payment right. Neither time did it even come thru to my current bank ( XXXX ) - all of a sudden i see this negative account being reported to my credit reports. Ludicrous! I called in TWICE ( 3 times now ) to make this {$86.00} payment or whatever it was. This is madness, I made it and they didnt either take the routing and account # right or whatever they did.
Consumer complaint received 2020-04-06
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (NY)

I purchased bedroom furniture from XXXX XX/XX/XXXX and XX/XX/XXXX prior to the current pandemic lockdown conditions. On XX/XX/XXXX, their delivery service called me and scheduled delivery for Monday, XX/XX/XXXX, to the room of my choice, which is the service I paid for when purchasing the furniture and what enabled me to purchase the furniture. Friday, XX/XX/XXXX, a customer service representative from XXXX called and told me that they would only be able to deliver the four chests of drawers to my doorstep due to COVID-19 restrictions. I live alone in upstate New York and have no way to get the furniture that weighs hundreds of pounds each inside, much less upstairs to my bedroom. If delivery to the room of my choice had not been an option when purchasing from XXXX, I would not have purchased the furniture at all. XXXX 's customer service representative told me to hire a local moving company to bring the furniture inside and to the room of my choice. Under the current extraordinary pandemic conditions, no one would be able to cross a threshold to do that. I initiated return of the furniture to XXXX. They classified the return as a " buyer 's remorse '' return and deducted {$230.00} for return shipping from the refund to my XXXX credit card. They were not able to perform the service I paid for when purchasing the furniture that enabled the purchase of heavy furniture in the first place. Because they would have been able to deliver the furniture to my doorstep, XXXX considers that fulfillment of the purchase contract and chose to classify the return as " buyer 's remorse, '' which it is not.
Consumer complaint received 2020-04-06
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. (FL)

XXXX XXXX is being reported on my credit report my this account was opened by another person not me I was compromised by the XXXX  breach and I believe this was opened at that time this was not opened by me.