davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

Credit card companies generally do not charge off accounts until they are 180 days past due. My Kohl 's Charge account was paid and brought current XX/XX/XXXX for {$13.00}. On XX/XX/XXXX I made another payment for {$39.00}, which was returned due to the account being closed. I did not receive a phone call, email, or letter notifying me of this, or I would have corrected it immediately. Kohl 's incorrectly charged an old bank account on file with them, one that had not been used for payments in over a year. The current bank account I was using for payment was also listed as the default account, so I would not have have made this mistake myself. On XX/XX/XXXX, the account was charged off. I called the collections department and they informed me it was not 113 days past due before the charge off, but XXXX. I asked how they arrived at this number, which is still less than XXXX, and they were not able to offer an explanation. I also received a phone call from the office of the president, by a lady under the name of " XXXX XXXX '' who also told me " even if we made a mistake, we will not be correcting this ''. This is an admittance that they do not adhere themselves to the fair credit reporting act ( FCRA ). If my account was in fact 171 days past due, it would have showed as such on my credit report. All of my credit reports show the same thing " XXXX XXXX of 90 days on XX/XX/XXXX ''. But the fact of the matter is 171 days is 9 days shy of 180 days that must pass for an account to charge off, and since I made a good faith payment on XX/XX/XXXX, which their computer system incorrectly pulled from the wrong account, it was in fact only 90 days. This also corresponds with the " 90 days maximum delinquency '' listed on my credit reports. 
Lastly, the payments I made on XXXX, XXXX and XXXX of XXXX are not reported at all on my credit reports. In fact, for those months, it shows 30 days late in XXXX, 30 days late in XXXX, 30 days late in XXXX, 60 days late in XXXX, which is not correct. It should not even show 60 days late in XXXX, as I made a payment for that month.
Consumer complaint received 2022-02-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (CA)

On XX/XX/2021, my wife and I wired a pre-payment penalty and paid off a HELOC loan on our primary residence. We grudgingly paid TIAA the prepayment penalty of {$1600.00}, plus a recording fee of {$180.00}, in order to get the HELOC off our title so that we could refinance the primary home loan. Shortly thereafter, we received a letter confirming receipt of the prepayment penalty and recording fee and also confirming that the HELOC has been closed. We thought this was the end of the ordeal, but 396 days later, the HELOC remains on our title, because TIAA has failed to record a reconveyance deed. 

We are trying to refinance our primary loan, but that effort is being held up ( and jeopardized ) because the title company is ( rightly ) demanding that TIAA record a reconveyance so that our title is clear of the HELOC. Over the last several months, I have spent well over four hours collectively over several phone calls to their help line ( XXXX ) and have spoken with no fewer than 15 people over those phone calls. I have also sent emails through their on-line access site. No one is able or willing to help me. Despite numerous attempts to contact TIAA by me, my wife, my lender, and my title agent, NO ONE can tell me why TIAA has yet to remove this loan from our title report. Over the course of these last several months, I have been told the process would take 15 business days, not once, not twice, but three times. When I call the TIAA number, they tell me I need to call the Loan Care number ( XXXX ), which they claim is a separate entity responsible for resolving this issue. But when I call the Loan Care number, they tell me I need to call the TIAA help number again. 

When I ask to talk to a supervisor at either number, I get put on hold for long periods of time, followed either by the same person informing me that his/her boss can't help me either, or that it will take another 15 days to resolve. 

This has taken place over the course of several months, and NO ONE has given me any indication that they know or care about what to do to help us. I have never in my life experienced this level of, not only incompetence, but sheer indifference. It is now costing me money, because I can not refinance my home loan without getting this loan off my title report. We have done everything we can at this point. No one from TIAA is getting back to us. Please let us know what more we can do to get the reconveyance recorded so that we can get on with our lives.
Consumer complaint received 2023-05-24
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: Experian Information Solutions Inc. (FL)

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 an 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 2022-02-21
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. (NY)

I bought XXXX lower XXXX XXXXXXXX for {$310.00}. MY FFL did not get approved. I was told I would be refunded the money but never was. I complained to Citi Bank 2 days after the transaction and they refunded the money back to my credit card. A few days later my credit card was charged again by XXXX XXXX?? company for the {$310.00}. I called Citi Bank to complain. I sent in all the information they requested. Citi Bank waited way to long to process the complaint as Fraudulent and could not recover the money. I spoke to Citi Bank numerous times on recorded lines, that I requested, and was told that the XXXX companies are separate " entities ''. I filed a complaint with the XXXX as well. To me that means I was charged by a company I did not authorize. On XX/XX/2022 Citi Bank called me, a XXXX XXXX, from the Executive office. She said noting else can be done and they are the same company. She also asked for a confirmation that XXXX was refunding the money. I sent this to Citi Bank numerous times and have attached it to you as well.
Consumer complaint received 2023-03-01
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. (CA)

This is my follow-up 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 items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-22
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. (CA)

I sent a letter on XX/XX/XXXX, to remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The items are UNKNOWN to me, please remove & block any items or information which is found to be opened due to identity theft.
Consumer complaint received 2022-02-21
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. (FL)

I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the XXXXederal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (TX)

I cancelled my Citibank/XXXX  XXXX XXXX credit card XXXX XX/XX/2022. 
In XX/XX/2022 Citibank verified that my account was closed. 
XX/XX/2022 Citibank charged my old checking account which had been closed and the charge was rejected by my bank. 
Apparently Citibank had paid my XXXX membership in XXXX, three months after the account was closed. 

I kept getting no-reply e-mails from Citibank billing XXXX for {$180.00} XXXX membership XXXX I could not pay Citibank the money because there was no contact information in these e-mails and my log-in had been cancelled. I called Citibank customer service several times and each time was told my account had been cancelled and to disregard those e-mails - I owe nothing. 
Then Citibank 's aggressive debt collectors started calling me and I paid them the {$180.00}. 
Then an overly aggressive Citibank agent called me and said I owed an additional {$170.00} in late fees and interest. As I am in my late eighties and as the stress was getting to me I paid the additional {$170.00}. 

Afterwards, I wrote a letter to XXXX XXXX, CEO of Citigroup Inc . I received a telephone reply from the " Citi XXXX XXXX XXXX '' during which the lady I spoke to maintained that " You should have made more attempts to pay your membership ''. When I asked what more could I have done she said I could have called the number on my Visa card - I said I did more then once and they always said I don't owe anything. She maintained I should have tried harder. 

The interest and late fees I was charged and paid ( {$350.00} ) amounted to 94 % of my XXXX membership ( {$180.00} membership plus {$170.00} fees and interest ). 94 % for six months equals 188 % interest and late fees annualized.
Consumer complaint received 2020-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Specialized Loan Servicing continuously misplaces my mortgage payments or cashes the check and its not posted to my mortgage account. I have to pay 2 monthly mortgages sometimes and hope one of them gets posted. I have never missed a payment in over 20 years and they are making it harder and harder to submit a payment, its a complete nightmare. I have tried contacting them its a vicious circle. I pray they will sell my loan tired of the stress. Please Help Me
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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. The following accounts need to be investigated and corrected for 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
Consumer complaint received 2020-01-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NY)

I received a letter from Convergent Outstanding Inc. saying I owe {$5500.00} to XXXX XXXX. I first heard this a year ago on one of my credit reports, I fought it and it was removed, I do not know about the other credit reports as I do not use credit often. 
I have NEVER used XXXX for anything, this is not my debt. 
When I called XXXX they told me the bill came from XXXX XXXX, a company that does not even operate in my state, but they refused to send me any letters as proof of where this debt came from. When they never replied, I assumed this was over with. 
But now I have this debt company trying to sue me for money I never owed. 
How do I make this go away?
Consumer complaint received 2020-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (DC)

Citi Rewards Card Ending in XXXX On XX/XX/XXXX, I received a text message asking me if I tried to make a purchase in excess of {$4000.00}. I replied no to the text and received a subsequent text asking me to call the fraud department. I did. I was actually sleeping when the text came through, but I responded within an hour or two of receiving the text message. 

I called the fraud department and spoke to a CSR and we discussed the situation. The CSR asked me to verify some other purchases. I never made any purchases with this particular Citi card since I had it. I just kept it for the credit building purposes. Anyway, the CSR asked me about other charges for gas at some gas station, a charge for XXXX XXXX and something else. I told him I've never made purchases with this card and know of none of those places. 

The charges were all refunded back to the card. {$4300.00} to XXXX XXXX, {$4100.00} for XXXX, but nothing ever came through for gas or anything else. This was in XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX, I logged into my account to see if credit from a different vendor had reached a different Citi card from a XXXX purchase, and I see a balance of {$4100.00} on the Citi Rewards card. That same night I received a letter dated XX/XX/XXXX, indicating that Citi feels that I should pay for the {$4100.00} from XXXX because they think I had the card with me. I 100 % disagree with their findings and feel that I should not have to pay for a credit card charge that I did not make. I didn't have the card and Citi sent me a new card and asked me to cut up the previous card. I put that card away somewhere in a bin with other credit cards that I never use ; I just build my credit. 

I've never used this card for ANYTHING! I never even knew of the charges from the gas station or the XXXX XXXX until the CSR told me over the phone they there were there. Further, how could I be refunded one charge but not the other?
Consumer complaint received 2020-01-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITY NATIONAL BANK (NY)

This bank treated me horrible when calling to inquire about having an account they said I dont deserve to be their customer awful that I dont make enough money and send me an email with a rude manager from the XXXX XXXX XXXX branch he was rude to me the entire day calls me at XXXX to tell me that I cant have an account with no reason He even told me to go somewhere else I can afford this is unacceptable from a bank
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2023-12-28
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: EQUIFAX, INC. (MI)

Despite XXXX  numerous attempts to address the presence of fraudulent, XXXX, and XXXX  information on my XXXX  report, the issue remains XXXX. The inclusion of these items has profoundly impacted XXXX XXXX causing significant XXXX XXXX XXXX It is crucial to reiterate that I did not authorize or consent to the association of this XXXX  with XXXX XXXX, as XXXX XXXX fallen victim    to XXXX XXXX
Consumer complaint received 2020-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: PNC Bank N.A. (MI)

On XX/XX/XXXX2020, my PNC Bank Credit card was stolen. I instantly made out a police report. The police came to my home and gave a police report # XXXX. PNC Bank will not send me the fraudulent transaction from XX/XX/XXXX2020 to current -Last XXXX # XXXX. The officer need that information to investigate.
Consumer complaint received 2023-12-28
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: EQUIFAX, INC. (NC)

XXXX really not sure what happened. I have XXXX  off XXXX  to the XXXX  bureaus continuously and thus far I have not gotten a response. XXXX  name is XXXX XXXX XXXX and XXXX XXXX filing this complaint for falsely reporting misleading XXXX. There is no XXXX  party involved. Please review the uploaded XXXX.
Consumer complaint received 2023-02-24
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: Experian Information Solutions Inc. (GA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-24
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: EQUIFAX, INC. (GA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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