davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I was a Citibank XXXX card member up until XXXX where my account was cancelled by Citibank. I pay an annual fee of {$490.00} for the billing period of XXXX to XXXX in exchange for card benefits. I requested a prorated refund of my annual fee for the quarter of the year I paid for but did not receive benefits for because Citibank cancelled my card. I was told that even though Citibank elected to cancel my card, because it had been more than 37 days into the annual period from last XXXX they would not refund me any of the annual fee. I do not dispute Citibank canceling the card but I would like a 25 % of my annual fee refunded to me as they kept 12 months of the fee but only delivered 9 of 12 months of service.
Consumer complaint received 2021-08-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (MA)

In XXXX, I signed up for a store credit card at XXXX. The card was administered through Comenity Bank. I made an initial big purchase of {$250.00} and paid it off in full on the Comenity website. I then charged {$59.00} to the card and was under the impression that I had set up the card to pay automatically. When the account became past due, I did receive calls from Comenity, but I thought they were spam. This is the reason I am writing to you today. I do not dispute the fact that I incorrectly assumed the card was set up for auto pay. I DO maintain that Comenity should have called me from a phone number associated with the bank and provided me with more information about what was going on when they left messages. The phone messages that were left for me said, Im calling in regards to an issue wit
h your Comenity credit card. No other information was mentioned not the name of the store or any other identifying information. When I googled the phone numbers from which the calls were coming, they werent associated with Comenity as a company. I then googled Comenity collections scams and found a lot of language on the internet about a scam around a Victorias Secret credit card ( which I used to use, but closed out years ago. ) I get spam calls every day and have participated in mandatory scamming training for my employer. All of the advice says not to trust someone calling you from a number not associated with the bank itself. Therefore, I assumed all of this was a scam until I finally saw my FICO score dip. When I checked on my credit report, I saw the card and immediately paid it off in full. 

I regularly carry balances of thousands of dollars on my credit cards and I always pay them off in full each month, usually utilizing automatic payments. This is the first time that Ive ever had something like this happen to me, and the first time that my credit score has dipped below XXXX. 

I wrote to Comenity and explained this to them. They wrote back and said they were unwilling to remove the negative remark on my credit report. My husband and I will be taking out a mortgage later this year, and Im so afraid that this dip will impact our interest rate. As I mentioned before, this has never happened to me. I have an otherwise spotless credit report. Im afraid that this one mistake will cost us in the interest rate were able to get on this much larger, much more important loan. 

Thanks again for your help today. Please let me know if there is any other information I can provide.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I have attached a FTC Identity Theft Report outlining fraudulent accounts, that are currently listed on my credit report and file. XXXX XXXX with account number XXXX for the amount of {$12000.00}, and account number XXXX for {$27000.00} are fraudulent and are not my accounts. I contacted XXXX as well regarding this issue. I demand these transactions that were a result of identity theft be blocked and removed from my credit report within 4 business days ( Per 15 U.S. Code 1681c-2 ), as it has caused me and my reputation personal harm and discrimination. This request was not made in error I am competent in making this request. I did not receive any goods, services, or money in any of these transactions. 

Thank you for your prompt assistance.
Consumer complaint received 2021-08-09
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. (NY)

I have sent several dispute letters to validate the reporting that I owe {$790.00} by XXXX  XXXX. All of Transunion 's disputes comes back verified without any proof of verification. I have requested them to provide me with the method of verification of the alleged debt and there response is Verified. This is unclear how they are verifying that I owe what XXXX XXXX is alleging I owe.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

XXXX had reported a late payment in XXXX. In XXXX, this late report was corrected and was removed from my report. 

In XX/XX/XXXX, Equifax and XXXX began reporting this payment as a late payment, which caused my credit to drop by XXXX points. I've reached out to them both countless times, as well as XXXX to find out why this had reappeared on my credit report. 

XXXX ( XXXX / XXXX ) advised they did not instruct Equifax or any reporting credit agency to relist this late payment. In addition, this is not reported with XXXX or XXXX. 

Equifax XXXX is not removing this error from my credit report even after countless disputes and phone calls.
Consumer complaint received 2021-08-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

Please refer to the original complaint ID, XXXX-XXXX, that was arbitrarily closed without any concern to me as a consumer. Help me understand, what is the CFPB 's role? What exactly does " consumer '' " financial '' and " protection '' mean in your title? No one from CFPB has reached out to me to gain a better understanding of my complaint prior to closing my case. I am really confused as to your agency 's role. I am looking to escalate this further within the CFPB.

I was not properly informed by Quicken Loans regarding my refinance options under Texas law. The Unfair, Deceptive, and Abusive Acts or Practices ( UDAAP ) come to mind here. My refinance was : Unfair - My financial injury was not reasonably avoidable as I could have made a better choice, but their practice of not providing adequate information about Texas refinancing options hindered my ability to make an informed decision. 

Deceptive - The representation and omission were deceptive because Quicken Loans did not disclose my options under Texas law regarding my refinance options. Their employees are unfamiliar with Texas mortgage laws, and Quicken Loans does not even offer one of those options afforded to Texas homeowners. 

Abusive - Quicken Loans ' practices interfered with my ability as a consumer to understand the financial product that was solicited to me for failure to disclose all mortgage refinance options allowed under Texas law, one of which they do not offer at all. 

I was taken advantage of due to a lack of understanding of the material risks, costs, and conditions of the product offered. My ability to adequately protect my interests in selecting a better product not offered by Quicken Loans. My reasonable reliance on Quicken Loans to fully informed me as a consumer and Texas homeowner of all options availed under Texas law failed. 

Please reconsider opening my case and working with me, the taxpaying consumer who has been treated and dealt with in an unfair, deceptive, and abusive manner.
Consumer complaint received 2021-08-08
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. (TX)

XXXX XXXX, and Equifax continue to report inaccurate/false information to my credit report and causing me tremendous stress! They are not investigating as per FCRA guidelines!
Consumer complaint received 2021-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc. (WI)

I attempted to dispute these medical bills 7 times in the past 2 years. For 4 years Ive recieved state food and health benefits because my mom is XXXX and i am also unemployed.. my XXXX XXXX XXXX XXXX insurance covers the treatment i recieved on ALL the bills associated with XXXX. These negative inquiries on my report have been invalid for years. The poor credit score im condemned to, is a misrepresentation of me and my credit worthiness.
Consumer complaint received 2021-08-09
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I have disputed these fraudulent accounts twice, and I am unsure how you are able to say that these alleged accounts are verified, yet it is clear that there are and continue to be multiple inaccuracies regarding these accounts. As shown in the attached screenshots the date opened, date last active, and date of last payment are all inconsistent. Also, the account numbers and payment history of the accounts are not consistent as well. I am not sure which bureau is reporting the correct information as these alleged accounts are not only inaccurate, but not mine. As a consumer, I am asking you to please provide in FULL DETAIL the steps that were taken to investigate these fraudulent accounts and the information that the creditors have provided to you to prove that these alleged accounts are verified. I have attached a copy of my license and a copy of the 15 USC 1681i from the FCRA for your recollection which shows that I, the consumer, has the right to ask for this information, and your company has 15 days to respond to my request. If you are unable to provide me with the proper documentation I ask that you please delete these accounts as soon as possible. As it is against the law for there to be both fraudulent and inaccurate information on my consumer report. Please also send me an updated credit report reflecting these changes. 

Fraudulent Accounts : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Fraudulent Inquiries : XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XXXX XXXX, XXXX I trust that your company upholds its integrity and protects my rights as a consumer under the FCRA. Thank you
Consumer complaint received 2021-08-09
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. (PA)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I have disputed these fraudulent accounts twice, and I am unsure how you are able to say that these alleged accounts are verified, yet it is clear that there are and continue to be multiple inaccuracies regarding these accounts. As shown in the attached screenshots the date opened, date last active, and date of last payment are all inconsistent. Also, the account numbers and payment history of the accounts are not consistent as well. I am not sure which bureau is reporting the correct information as these alleged accounts are not only inaccurate, but not mine. As a consumer, I am asking you to please provide in FULL DETAIL the steps that were taken to investigate these fraudulent accounts and the information that the creditors have provided to you to prove that these alleged accounts are verified. I have attached a copy of my license and a copy of the 15 USC 1681i from the FCRA for your recollection which shows that I, the consumer, has the right to ask for this information, and your company has 15 days to respond to my request. If you are unable to provide me with the proper documentation I ask that you please delete these accounts as soon as possible. As it is against the law for there to be both fraudulent and inaccurate information on my consumer report. Please also send me an updated credit report reflecting these changes. 

Fraudulent Accounts : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries : XXXX XXXX  Inquiry : XXXX XXXX, XXXX  I trust that your company upholds its integrity and protects my rights as a consumer under the FCRA. Thank you
Consumer complaint received 2021-08-09
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: EQUIFAX, INC. (MD)

The bureaus 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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TRANSUNION IS INACUARATETLY REPORTING FRAUD ON MY CREDIT REPORT. I SUBMITTED MY FTC AFFIVDAVIT OT THIS COMPANY VIA CERTIFIED MAIL OVER A MOTH AGO. Transunion signed for it, and received my ftc affidavit and refuse to removed the unauthorized fraudulent accounts on my report
Consumer complaint received 2021-08-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP (SD)

Several accounts were opened and used to transfer money under my name. I discovered the accounts were opened, after receiving a series of emails FROM USBANK regarding a checking account I hadnt opened and wasnt depositing money into. I was also getting emails from XXXX and XXXX XXXX  about money accounts and transfers. I followed the email links to the accounts that I couldn't gain access too with my own personal information and has never setup myself. I noticed that even though my email address wasnt spelt correctly on the emails but somehow, they were still being delivered to my email. So, I used that email to address isnt correct, but is wrong so I tried using that one to that email to try and access the accounts. Of the 3 XXXX XXXX was the I not only one hat reset the password for with an email verification. Upon gaining access I was able to see the accounts virtual card. Which has been the card used in a XXXX Instant Transfer. XXXX has begun Processing the account as fraud and has removed my name. XXXX and USBANK have taken no action.
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION (TX)

XX/XX/XXXX-Pentagon Federal Credit Union ( PenFed ) mortgage went into COVID Forbearance XX/XX/XXXX-I applied for a refinance with PenFed since the rates were low. 

XX/XX/XXXX-PenFed denied my refinance application because the loan was in forbearance despite the fact that the loan was in forbearance when I started the refinance process. So I resumed paying my monthly mortgage payments and have been making monthly payments consistently since XX/XX/XXXX. 

XX/XX/XXXX-PenFed reported my loan as delinquent/overdue by 120+ days to XXXX  and XXXX  despite the fact that I have never, ever paid my mortgage late. 

XX/XX/XXXX-I contacted PenFed to ask them to remove this inaccurate information from my XXXX  and XXXX  credit reports. 

XX/XX/XXXX-the information is still listed as delinquent/overdue on both XXXX  and XXXX  credit reports.
Consumer complaint received 2021-08-08
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. (DE)

These accounts are reporting incorrectly on my credit reports, Ive tried to speak with the creditors and they refuse to remove this information from my credit can you please assist me with getting these inaccurately reporting accounts removed from my credit reports.
Consumer complaint received 2021-08-08
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: Bread Financial Holdings, Inc. (TX)

Hello, I have a Comenity MasterCard and starting XX/XX/2021, I had a balance of {$410.00}. Back in XX/XX/2021, there was a payment posted by a mail-in check of {$1800.00} that I am fully aware I did not send. I have called them multiple times regarding this situation. The first representative I spoke with told me to not worry about the payment which I am afraid someone might have mistakenly posted on my account. The second representative I spoke with opened up a case. 

Once they were done with the investigation, not only did they reverse the {$1800.00} payment, they increased my balance by {$1800.00}. Now I am owing a total of {$22000.00}. I have been calling them regarding this situation since XX/XX/2021. I spoke with 2 representative that told me to wait 30 days. I called again XX/XX/2021 and the representative opened another case, but I have not heard from them at all. And no one has been able to help me with my situation. And I was told that it will not affect my credit. 

I am still making payment on this account and has not missed a payment. This is has been affecting my credit score negatively.
Consumer complaint received 2021-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP (CA)

Kimball Tirey is attempting to collect a debt that I did not incur. On the credit report it states the debt started in XX/XX/ 2019. In three years they have made no contact or sent any letters. They made no attempts to legally verify the debt was in fact incurred by myself nor sent any communications.
Consumer complaint received 2021-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (WA)

On XX/XX/2021 I received an email from XXXX XXXX of XXXX, claiming that they were attempting to collect a {$3700.00} debt supposedly owed by me to LVNV Funding LLC. I responded immediately the same day, requesting that XXXX send me specific information regarding this alleged debt. I also informed her that I believed that either they had the wrong XXXX XXXX, or I was being scammed by them. I absolutely do not recognize or acknowledge any such debt. 
The following day, XX/XX/2021, XXXX XXXX XXXX XXXX responded to my email advising me that all collection activity had been suspended pending an investigation, and that they would not resume collection activity until I had been provided with validation documentation. 
Today, Sunday, XX/XX/2021, XXXX XXXX has again sent me a notice that they are attempting to collect the same " debt ''. I have received absolutely nothing to identify or validate this supposed debt, as XXXX XXXX stated would be done before any collection attempts went forward.
Consumer complaint received 2021-08-08
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 been trying for months to get fraudulent accounts removed from my report. Equifax has been the only one giving me a hard time. It seems like I am being punished for trying to get these fraudulent accounts removed. There is one account left with XXXX XXXX XXXX. This account was started by a family member. I resided on the other side of the state and had an account with a totally different electric provider. Equifax has dropped my credit rating over XXXX points in the last few months. There are no derogatory remarks on my credit report everything is up to date. I am a XXXX veteran and I am trying to get my credit as high as I can before I purchase a home. Equifax is negatively impacting my livelihood. I would like to get this problem taken care of so I can get on with my life.
Consumer complaint received 2021-08-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

On XX/XX/XXXX, Portfolio Recovery Services sent a notice about a debt. I mailed a certified letter on XX/XX/XXXX requesting the agency stop calling me about this debt as I have been disputing it as it is the result of identity theft. 

This company continues to call me as most recently on Saturday, XX/XX/XXXX, and basically daily - multiple times per day - so this communication is now harassment.
Consumer complaint received 2021-08-08
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)

Experian, XXXX and XXXX continue to report inaccurate/false information to my credit report and causing me tremendous stress! They are not investigating as per FCRA guidelines!