davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

Our Mortgage was transfer to this Company back in XXXX. We have not missed a payment. They are sending Default letter in the mail. Having people coming on our property taken pictures and dropping off DEFAULT PAPERS on our door steps. We have contact XXXX, they confirmed in their response we have not missed a payment with them. We have requested several times this company to provide proof. We have not received any proof. Our payment for this month have not cleared as of XX/XX/XXXX. It was mailed XX/XX/XXXX and last Month it cleared on XX/XX/XXXX.
Consumer complaint received 2020-08-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC. (TN)

OnXX/XX/XXXX I opened a premier checking bundle online with First Citizens Bank in respond to their new account promotion ( see attached screenshot ). Per the promotion term, earn {$500.00} when open a new premier checking bundle and deposit and maintain a combined checking and savings of $ XXXX for 90days, and make 10 debit card transactions within 90days. I have met all the requirements but never received the {$500.00} bonus. When i contacted them to inquire about it i was given no response other than diverting me to the local branch for help, even though there is no branch in my city. I'm shocked by their lack of care and indifferent customer service attitude.
Consumer complaint received 2020-08-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (NY)

Step 1 : What is this complaint about? 
Flag Star refuses to remove a late payment remark on my credit report after several attempts of contacting them explaining my medical situation.

Step 2 : What type of problem are you having? 

Late payment removal Step 3 : What happened? 
I have 1 late payment on my Flag Star mortgage account. The payment was due XX/XX/XXXX and the payment was received by Flag Star on XX/XX/XXXX. My reason for being late was because I was XXXX XXXX  for over 30 days receiving treatment and was physically unable to make a payment. I did make the payment as soon as I was discharged. I do not have any late payments or remarks on my credit report until this one, and it is drastically effecting my score. I reached out to them several times and they respond with the same answer every time. " We have no reason to change the report status ''. I have submitted all the documents and files I can find to support my claim and they still have not decided to keep the late payment on my credit report. I have enough issues with medical bills and now I have to deal with high interest rates for the next 7 years. I signed up for automatic payments so in the future I wont miss any payments XXXX forbid. I faxed, emailed, called and sent a letter to them. 

Step 4 : What company is this complaint about? 
Flag Star Bank Step 5 : Who are the people involved? 

Flag Star Staff The payment amount is for {$1500.00} I think considering I was XXXX XXXX   during COVID-19 and XXXX  and I obviously had no control over these circumstances, I should be excused of this late payment.
Consumer complaint received 2024-04-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (VA)

I am writing to address a discrepancy on my credit report involving a missed payment to my PayPal credit account during the months of XXXX and XX/XX/2022. I recently reviewed my credit report and noticed that this missed payment is negatively impacting my credit score. I am writing to request your assistance in rectifying this issue.
Consumer complaint received 2020-08-17
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. (PA)

I moved out of my apartment at XXXX XXXX XXXX XXXX in  2016. I made all final payments and the management company at the time, XXXX XXXX, claimed that I owed move out fees and costs. The management company then entered a judgement against me in the amount of {$4300.00}. I appeared in court on XX/XX/2016 and the plaintiff 's claim for rent and fees, was dismissed. This debt was then sold to the collection agency, XXXX XXXX XXXX. XXXX XXXX XXXX has been reporting this debt on all 3 of my credit reports, since XX/XX/2016, after the case was dismissed. I attempted to dispute this inaccurate debt, with all 3 credit bureaus and the collection agency. All parties claim to have verified this debt as accurate and continue to report this untrue debt. I called XXXX XXXX XXXX and was told by a very rude rep named XXXX, that my case dismissal was only to stop an active eviction. I advised the rep that I was never evicted and this case has been dismissed in 2016 under the court of law. The rep then told me that I in fact owed this debt, without even providing proper proof of said debt. In addition, to me not legally owing this debt - there are several reporting errors found, such as date opened and date of last activity, just to name a few. I am demanding a PROPER and COMPLETE investigation.
Consumer complaint received 2020-08-17
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. (OH)

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2024-04-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (CA)

The USBank Reserve Credit Card offers 3x Rewards points on all purchases made through mobile wallet payment method XXXX XXXX However, since XX/XX/2024, cardholders have only been receiving 1x Rewards points for such transactions. This issue has resulted in the loss of thousands of points. Despite promises to address and resolve this issue, it remains unresolved.
Consumer complaint received 2020-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (WA)

I received an email stated that my credit card account was closed by the Citi Bank due to inactivity on XX/XX/XXXX. The last time I used my Citi credit card was in XXXX XXXX, CA, on XX/XX/XXXX, which is shorter than the 24 months time frame they defined as " inactivity ''. I then started to contacted Citi Bank on XXXX, one day between XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, a total of 8 times, to request to reopen my account due to the incorrect accusation on inactivity and to place the dispute that Citi Bank did not report my credit history at all ( XXXX ) to the Credit Reporting Bureau ( XX/XX/XXXX ) , which was one of the reason that they declined my previous request to reopen my credit cad account as they stated that I had no enough credit history ( Of course, because Citi Bank did not automatically report any of my  credit card activities to the Bureau as they should have ) . All of these requests and interactions were documented on their internal portal as well. However, as of today, the manager at Citi Bank still told me that they can not reopen my credit card account because Citi Bank has made the decision not to do so. I was told that, despite the status of my credit card was not in inactivity as they originally stated, Citi Bank has the right to close my credit account but no valid reason was given to me to explain about this result. My closed credit card account will be shown on my credit report as a negative record for 10 years until XXXX and I lost the access to my Citi credit card. It harms my credit score and the eligibility of my chance to get approval for credit cards in the near future.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

In accordance with the Fair Credit Reporting act PORTFOLIO RECOVERY ASSOCIATES has violated my rights. 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. PROVE THAT THESE ARE MY ACCOUNTS SINCE NO PERMISSION WAS GRANTED
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

The inquires listed below I have no knowledge of. Please remove them because I have not requested any credit from any creditor listed below. 
Experian : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX I have a fraud alert on my credit file due to identity theft. Please assist in getting these erroneous inquires removed. Thank You.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, 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. (IL)

The inquires listed below I have no knowledge of. Please remove them because I have not requested any credit from any creditor listed below. 
Transunion : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX I have a fraud alert on my credit file due to identity theft. Please assist in getting these erroneous inquires removed. Thank You.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This is my FURTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (PA)

I went to the atm to take out Money. And the atm did not dispense any money at all. And then an error message came across the screen. And my account was still charged all the money i tried to take out of atm. Happend XXXX. First was for {$400.00}. Second was for $ 390 % Thanks XXXX XXXX
Consumer complaint received 2022-11-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Credit Corporation (VA)

A debt of XXXX XXXX  owned by XXXX XXXX ( property tax ) was sent to Nationwide Credit Corporation between late XXXX and XX/XX/XXXX. I inquired with the county after realizing I never received the yearly property tax bill. I reached out via email and was told the debt was forwarded to the above collector. I reached out via email on XX/XX/XXXX and followed up XX/XX/XXXX asking both times for a reference number or further information about a debt that would have been sent from XXXX XXXX. Despite receiving an auto email that I would receive a response in three days, I never received one. I have not been informed that I have the debt or been able to dispute it. I would like it to be removed from my record since I can not address it. 

Thank you for your time, XXXX
Consumer complaint received 2015-04-14
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (FL)

I received a credit card statement and it contained a {$75.00} " fee '', which was not detailed and no explanation was given. I contacted Citibank and a representative reviewed and finally answered that it was an annual fee. I asked why this was not printed on the statement and the representative stated that it 's a known problem, and that he 'd share my concern with management. I felt that answer was insufficient and asked to be transferred to a manager to discuss why Citibank is placing charges on my account without an explanation. I waited on hold for XXXX minutes and the call was disconnected. Today I logged onto my account to verify a {$1000.00} payment I sent from my bank on Sunday had been applied and noticed my account was closed. I called Citibank and they said that it 's their policy to close an account if a customer questions the validity or usefulness of paying the annual fee if a call is disconnected while waiting to speak to a manager. This policy is not stated in my card member agreement, and is not printed or published on their website. This seems completely insane and incomprehensible. They stated I would have to re-apply to get the card again, including a credit check, which negatively impacts my credit. I have had the card for almost seven years, very actively used it, and never been late in payments.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: College Foundation, Inc. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2020-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (MA)

I see multiple 30-90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-08-17
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. (LA)

i provided my info to someone via XXXX who said they do in house mortgages back in 2014 and they have opened accounts in my name the XXXX page is no longer available nor a contact namber
Consumer complaint received 2022-11-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

Carrington Mortgage worked with us to complete a XXXX forbearance for this account. We sent in our modification paperwork, as requested. However, we received a letter that our modification paperwork had not been received so our forbearance had been extended from XXXX to XX/XX/XXXX. 
We received our signed modification paperwork in XXXX and made our first payment XX/XX/XXXX for what should have been our XX/XX/XXXX payment. From the time of our modification paperwork, our payment also somehow went from {$1100.00} to {$1100.00}. 
We are now receiving letters threatening us with foreclosure because our payment is late even though, according to their own paperwork, our payments are on time. We also have to call or mail our payment in as we can not make the payment on line. 
Meanwhile, I've been diagnosed with XXXX and am now in fear that, if I miss a payment due to dealing with doctors and tests, we'll lose the house because Carrington Mortgage refuses to honor the letter they sent.
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (FL)

The above account has never had a late payment and has always been on auto payment. Last payment on auto pay was XX/XX/2022 when the account was held by synchrony bank. Account was then changed to Barclays and no documentation or request to update the auto payment system was done by Barclays and no payment was made until XX/XX/2022 when I finally received a letter of a passed due balance. I immediately paid the balance due and late fees to bring the account up to date. I have further gone and updated the auto pay system on my account so this does not happen again. I have had this account over XXXX years and have never been late with a payment. 

XXXX XXXXXXXX credit card account # XXXX
Consumer complaint received 2020-08-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NC)

On Monday XX/XX/2020 @ XXXX I received and text message and email from PayPal asking me if I was trying to pay XXXX. I immediately replied " NO '' and received another text from PayPal thanking me and to please change my password. 

I logged into my account, changed my password, and saw three ( 3 ) separate charges for XXXX to XXXX XXXX XXXX . At the same time I was getting XXXX thank you emails in XXXX. ( I do not speak XXXX ). 

A few minutes later another line item popped into my papal account for one XXXX credit. 

Still on XX/XX/2020 I logged into my XXXX XXXX checking account that is tied to PayPal, there were no withdrawals. I thought all was settled at that point. 

On XX/XX/2020 I logged into my XXXX XXXX checking account and saw that three ( 3 ) withdrawals for XXXX were taken by PayPal and given to XXXX XXXX XXXX . There was also one ( 1 ) credit from PayPal for the same amount, XXXX. 

I logged into my PayPal account and tried to talk to someone. The only method made available was chatting VIA the website. This was almost impossible as it took 8 hours in some cases to respond. In the end I filed a compliant for the 2each XXXX charges that had not been reimbursed. I very clearly told them these were not authorized and assumed it was just a mistake by paypal. 

The response from PayPal was that they considered these authorized because they had on file an authorization, that I was unaware of. I have asked 3 separate times to talk to a human but they have so far refused. The only help they offered ( VIA chat ) was that I should contact my bank. 

The transactions they allowed unauthorized are XXXX and XXXX. 

A very quick search finds this to be a common problem that has 10 year history. Please put a stop to letting these XXXX? hackers steal money.
Consumer complaint received 2022-10-31
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

We had a Pottery Barn credit card with Pottery Barn, sometime within the last 12 months the card was changed to a Capital One credit card. We made a charge of {$23.00} on it XX/XX/XXXX. We never received a statement in the mail or by email. We did receive a late notice payment I believe on XX/XX/XXXX or XXXX by email. The statement closing date we found out later when we received the statements was XXXX We called on the XXXX of XXXX and told the customer service person that we had never received any statements and requested she send them. Which we received about 2 weeks later.She advised the amount of the original charge {$23.00} and i told her I would send the payment that day from my XXXX XXXX XXXX online payment which would hit Capital one 's account the next day. She told me the only way she could write off the past due fee and interest of {$23.00} is if i paid with a debit card or ACH bank account transfer. 
I told her I don't give that information out over the phone. She said in that case we would have to call back to get the charges reversed after the payment posted. We called XX/XX/XXXX and Capital one refused to reverse the fees of {$23.00}. 

The reason for the delay in calling them is we wanted to wait for the next statement which was issued XX/XX/XXXX. 
In addition they charged another {$40.00} fee after we had made the payment for the XXXX purchase.