davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
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: EQUIFAX, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX, etc., and so on!
Consumer complaint received 2022-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-05-27
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. (GA)

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector, asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were : XXXX XXXX XXXX, XXXX 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 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CA)

I reported fraud on my account about two months ago when I noticed multiple small transactions posted on my account from an internet source. They stopped my auto payments that Ive had set up for months now to avoid late payments. They blocked my online access so now theres no way I can make a payment or access my account to see if they credited my account like they said they did when I spoke to them over the phone, I also attempted to make a payment over the phone which they were not able to do, they now reported my account as being in default so it is negatively affecting my credit score. I have spoken numerous times to 1.Customer service representatives 2. Fraud department 3. Online access specialists and none have been able to help me at least get my account back in good standing or online access. I feel taken advantage of and abused by this company.
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

My Apple Card was digitally connected to my phone. The Apple Card was connected to my XXXX  XXXX XXXX account. When my XXXX  XXXX XXXX account was closed, I was not allowed to update my banking information to pay my Apple Card payments. I tried calling, chatting to a representative and they dismissed me. I contacted Apple about it and they charged off my card without addressing my issue. It is very frustrating and unfair since they are going to affect my credit. Please help me. I am willing to pay my balance for charges I made, not any penalties enforced by them, because they did not allow me to update my banking information. It was a failure on their part
Consumer complaint received 2021-07-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I am moving out and had to sell some items. A person named XXXX contacted me asking my couch for {$400.00} and settled. She sent me a cheque from XXXX XXXX  for {$1300.00} on XX/XX/XXXX saying the rest was for the movers. The funds was deposited and it was available in my account for a few days. She sent an email where I had to send the remaining amount of {$900.00}. That email is XXXX. The day after I sent it ( XX/XX/XXXX ), My Bank ( Bank of America ) took {$1300.00} from my account saying there wasn't sufficient funds in the senders account. I contacted the bank saying if that was the case, Why was the amount given to me in the first place and even if it is taken, it should be taken from the senders account. But, they did not help.
Consumer complaint received 2024-03-12
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: EQUIFAX, INC. (VA)

I am writing to file a complaint against Equifax concerning their failure to respond to my dispute regarding inaccuracies on my credit report. 
On XX/XX/year>, I mailed a dispute letter to Equifax, requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my report. Despite my efforts, I did not receive any response from Equifax regarding the investigation results. 
As per the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It is evident that Equifax has violated my consumer rights by failing to conduct a reasonable investigation upon receipt of my dispute, as required by the FCRA. 
Enclosed with this letter, please find a copy of the dispute letter that I sent to Equifax for your reference.
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (PA)

To Whom It May Concern, FTC Report Number : XXXX Hope your day is well. You are reporting a fraudulent account on my Innovis credit report. I need that account deleted based on FCRA law. I already have filled an FTC Report and sent it to you a month ago. 


Account name : XXXX XXXXXXXX XXXX XXXX  Account number : XXXX Please fix this immediately, this is my 2nd letter and I have trying to buy a home. 

Thanks for your help,
Consumer complaint received 2022-09-27
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: Experian Information Solutions Inc. (OH)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information you provided on the items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the items are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 


XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Self Financial Inc. (CA)

Within the last two weeks when making transactions between SELF, financial and XXXX XXXX XXXX XXXX ( XXXX ) and paying from XXXX account SELF notified me that the XXXX is saying that there is no account in existence, or unable to locate. However, when I contact XXXX they say Self has not contacted, or tried to charge the account. SELF has charged multiple fees, although the account has more than enough for the transactions, and to date has not offered to erase or eradicate the charges. I have gone back and forth between both companies and have yet to receive any practical solution to the ongoing issue, and improper fees and charges when I did everything right on my end.
Consumer complaint received 2022-12-19
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)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (NV)

A little over a year ago I chose to update my Nordstrom store debit card to a Nordstrom store credit card. When I applied for this change I was asked if I wanted the store card or the Nordstrom Visa credit card, which is a general use credit card that would earn Nordstrom points. I declined the general credit card and stated the store credit card was sufficient. About a week ago I received a letter in the mail from Nordstrom that ordinarily I would have discarded and not read - thankfully I read this one. It was a letter telling me that because I was a valued customer my store credit card was being upgraded to the Nordstrom Visa credit card. The letter outlined all the changes that would occur as a result of the credit offer and also informed me that unless I called to decline the offer by a certain date, the upgrade would take place and the new card issued. I called and declined the offer which was all done using an IVR so I was n't about to discuss my concerns with an associate. I also alerted Nordstrom as to my thoughts  around this bait & switch tactic via a direct message on XXXX. It 's important to note that no other method of contact was used to alert me of this credit offer. No phone call, no email - I even checked my Nordstrom store card account, which I check monthly to verify the auto pay, and there was no alert in my profile. The envelope was not marked urgent and could have easily been discarded by most consumers.
Consumer complaint received 2024-03-12
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. (NE)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (PA)

I had a loan for a XXXX XXXX and the loan payments were set up on auto pay from my checking account. We received a call from the bank today and we were told the account was past due. Upon further investigation, the bank never drafted the last payment which was less than the monthly payment during the loan duration. Automated payments should not be stopped just because it is the final payment ; bank 's can draft payments as long as they are not more than the regular payment. The bank charged additional fees for being late. The representative who took our call transferred us into the automated payment line where we made the last payment of {$300.00} to pay the loan in full. There are multiple problems here as the automated phone service indicated our current payment is {$660.00}, although the associate gave us the amount listed above ( {$300.00} ) to pay in full. I logged in online to see what the difference was and I have a screenshot of the online payment portal to show this. The system is adding what had been my standard monthly payment amount to the amount of my last payment giving the larger amount, even though no more monthly payments are due. If I had just paid the amount given by the phone 's automated system and online, we would then be overpaying the loan, and undoubtedly waiting to get our money back. What's more concerning is charging the interest and fees that could go uncontested and ultimately are erroneous. The bank 's systems are creating an unfair and deceptive practice in that ( 1 ) the phone system and online system show a balance which includes an extra monthly payment which is not due, ( 2 ) the bank did not take out our last automated payment and did not inform us that it was not taken out, ( 3 ) the bank added additional fees which would not have been incurred if the last payment had been taken out, and ( 4 ) the car title has not been timely sent to us because of these issues which is causing difficulties in trading in the car.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TX)

Called in to customer svc to make XX/XX/XXXX payment as I was out of country and had limited access to internet and gave payment information to associate. I did not think anything of it and thought they everything was good. I am just now seeing that the company has posted a 30 day late payment on my credit record. I called to discuss with company but they indicated I need a record. How would I have a record if I called in. They are indicating that they have no record of me calling in to make the payment, but I know I called in. I have never been late on this account and account balance is currently {$0.00} on the card.
Consumer complaint received 2021-12-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OK)

My mortgage was sold to Carrington Mortgage Services LLC. My complaint is that I sent them a check for {$2000.00} along with a pay stub that was marked " for principal only '' on XX/XX/2021. On the check was written for principal only. In XXXX, I got a statement that only applied {$1000.00} to the principal. And they divided that {$2000.00} in 4 monthly payments and still deducted for interest and escrow. How is that legal? 

I wrote them, talked on the phone with them twice. I sent the copy of the check that they cashed and the copy of the statement that they sent me. They said that they had that fixed and refunded my XXXX payment and used part of the principal money to pay {$400.00} to the principal only. 

The principal balance in XXXX statement was {$19000.00}. In XXXX statement the principal balance was {$18000.00}. By my count, the principal balance should have been {$17000.00} after applying {$2000.00} to the principal. 

I have copies of the letter, the check and their statements to prove what happened. When we talked on the phone, the representative told me that it had been fixed. I do not believe it was fixed properly and they just stole that money that we used to try to get our payments lowered and work on paying off the house.
Consumer complaint received 2017-07-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

We took out a loan with Wells Fargo about 10 years ago. This loan was an interest only loan for a duration of ten years ; then the interest can change after 10 years. Early in the mortgage we realized that this was not in our best interest and it was the bank that acted as a predatory lender. My wife and I were quite capable of paying our mortgage. We have never missed a payment and always paid on time. We have asked Wells Fargo on many occasions to give us the opportunity to refinance our mortgage. Each time we were declined. Our first attempt for seeking refinancing by Wells Fargo was done with the assistance of Neighborhood Assistance Corporation of America ( NACA ) and we were declined. We were declined many other times through out the 10 years. We have paid out to Wells Fargo over {$400.00} dollars with little or no principle.
We finally got the opportunity to refinance with a different bank at a 4 % rate last year ( 2016 ). At the end of 10 years we are starting with the same amount on our mortgage as day one ten years ago. Wells Fargo should have the decency to refund us back a portion of that 400,00 dollars. With my new bank today, I pay interest plus principle plus an extra XXXX  for principle only to pay off my mortgage in 15 years. Be careful with Wells Fargo!!!!
Consumer complaint received 2022-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

I canceled my XXXX account in XXXX XXXX acknowledged that they had previously overcharged, said they closed my account, and would send me a check for the credit. Instead, XXXX did not cancel the account, continued to bill me, used up the credit, then started charging me. I made several attempts to cancel, but XXXX continued. Finally an agent found XXXX XXXX, requested a refund, said she canceled the account. However, I continue to be billed, my account was not canceled, and XXXX refuted my refund requests to Citi. Citi accepted XXXX refute and charges my account. Citi did the same thing to a previous cancelations of my XXXX account, in spite of my sending documentation from the provider that I canceled my account. I think Citi defaults to denials in favor of the merchant so Citi retains commissions.
Consumer complaint received 2017-12-31
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)

There are hard inquires on my credit report that I did not authorize, I filed a dispute to have them removed or show proof of authorization and they did not remove or show proof that I authorize the inquiry.
Consumer complaint received 2022-05-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (IN)

My concern is that Harris & Harris is contacting me regarding bills I never received via the mail. They are repeatedly calling my parents house and I have contacted them via their website asking them to stop. My parents do not assist me financially. 

How can I pay a bill that I never received? I cant.
Consumer complaint received 2024-03-12
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: EQUIFAX, INC. (GA)

I disputed 30 days past due to XXXX XXXX and they verified the information as correct. I disputed this information because they made a change on the month that was allegedly 30 days past sit. Essentially they said XXXX was late and I disputed that and they changed it to XXXX. I disputed the XXXX month and they said the information was correct. Approximately 4 weeks after the investigation XXXX  30 days was listed as current and they now claim it was a different month. Every time I submit the dispute they claim the information is correct and communicate that to the bureaus and after the investigation is closed change the alleged month I was 30 days late. 

It appears that XXXX XXXX is playing games with alleged late payment dates by moving the months around which is having negative impacts on my score.