davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I had a payment due XX/XX/XXXX. I paid it in the evening ( local, Mountain Standard Time ) on XX/XX/XXXX. The payment processed XX/XX/XXXX, and Bank of America charged me the late fee of {$39.00} on XX/XX/XXXX. I called to request the fee be waived, and they declined. I believe this is an unfair and possibly illegal practice to charge the fee BEFORE checking to see if a payment has been made. Had they processed the payment first, the fee would never have been charged.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my numerous 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 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 alleged fraud or extortion. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-11-24
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: EQUIFAX, INC. (NY)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2021-11-24
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. (PA)

Despite Several written requests, Multiple Unverified & Fraudulent items still remain on my credit report in violation of Federal Law. Experian, XXXX, & XXXX XXXX are all required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required topromptly DELETE all information which can not be verified. Or subsequently block the fraudulent information on my credit report resulting from identity theft within four business days, and to promptly notify the furnisher ( s ) of that information, as harbored in the protections under my valid FTC Identity theft report ( SEE ATTACHED )
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (FL)

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report.

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report.

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future.

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The incorrect information has not been corrected and they have been violating my rights for over 6 yrs. 

XXXX Showing both accounts ( Paid As Agreed Never Late ) PAANL Requesting XXXX XXXX TransUnion to correct the status : XXXX reporting incorrect information XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion reporting incorrect information ( 30 Days Late ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This was not done : I did not receive any such letter and all my attempts to remove this inaccurate information have been hurting my ability to get qualified credit.
Consumer complaint received 2023-01-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

My mortgage was sold to Wells Fargo and when Wells Fargo got it my mortgage went up from {$650.00} to {$1200.00} when that happened I knew I couldn't afford it because when I 1st got the house XXXX what I can afford then they said that I had a vicious dog there and I did not have a dog. And when I try to call them and tell them that I didn't have a dog nobody would come out and look nobody wanted to listen to nobody wanted to talk to me all they told me was that I had to pay that amount that was sold to him and I'm like how did it get sold to you when I thought it was already established that woman works it's gon na be that's what it was So from that point Talk to me all I kept getting was letters in the mail saying that I had to pay this and then when I tried to do the different things I was getting not nobody would listen to me at all. So I'm frustrated that I got XXXX XXXX at the house
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Texas Guaranteed (FL)

MY NAME IS XXXX XXXX XXXX AND I BEEN TRYING TO CONTACTA STUDENT LOAN COMPANY THAT HAS BEEN REPORTING ACOOUNT WITH A STATUS OF COLLECTION, OR PASS DUE OR WITH SOME TYPE OF PAYMENT ISSUE, ALL OF MY STUDENT LOANS ARE ALL PAYED SO THE BALANCE IS 0 AND AS AGREED. 
THE ACCOUNT NUMBERS ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent transunion request for information of this debt back on XXXX received a letter saying it was verfied, which was a generic response.I resent another letter in XXXX and did not receive anything back. Submitted a letter asking for the original purchase agreement on XX/XX/year> and asked for within XXXX business days as, they keep failing to respond and still nothing to date. They signed for this letter on XX/XX/year>
Consumer complaint received 2021-11-24
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. (FL)

I applied to refinance my house and my credit scores which normally are in the XXXX  's were XXXX due to an XXXX fraudulent account with a charge off of {$2200.00} being listed on my credit report. I called XXXX fraud department and spoke to XXXX on XXXX XXXX, 2021. XXXX stated that she put remarks in the charged off account but could not give me a report number since she could not access the application because it had been charged off. XXXX told me I would have to file reports with each of the credit bureaus to have the account removed from my credit report. I did file disputes with each of the credit bureaus. I received a report back from Experian stating they had concluded investigation and they could not remove it from my report that I would have to file a report with cfpb due to it being a case of fraud. Also, there is a fraudulent address in XXXX on my credit report that I never lived at and that is the address that was being used for the XXXX account XXXX
Consumer complaint received 2021-11-24
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: Exeter Finance, LLC. (PA)

This was a car loan that I made, however, when I was unable to pay for the car loan they reposes the car. the total amount for the original loan was {$17000.00} upon selling the car for {$8000.00} I should have a less amount reported on my credit report which it should be {$9100.00}. But Exeter Finance XXXX continues to report {$17000.00} instead of the {$9100.00} I have made several attempts to get this fix but so far they have not done so.
Consumer complaint received 2021-11-24
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: EQUIFAX, INC. (NJ)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

XXXX XXXXXXXX has charged off/written off as bad debt and is reporting this on my consumer report! The IRS has classified A CHARGE OFF AS INCOME and INCOME can not be reported on my CONSUMER REPORT i have disputed this with all of the credit agencies and XXXX XXXX  continues to list a charge off on my report i have filed a 1099-a and a 1099-c for this charge off and it was excepted by the IRS so XXXX XXXX is illegally reporting what is considered income on my consumer report THIS IS CAUSING HARM TO MY REPUTATION AND ABILITY TO GAIN ANY KIND OF CREDIT
Consumer complaint received 2022-02-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: PNC Bank N.A. (OH)

On XX/XX/XXXX I went into a PNC branch to close all my PNC accounts with the branch manager XXXX XXXX. The only PNC account that I could not close or transfer was a Commercial Loan which is funds I received in XXXX from the XXXX XXXX which was not forgiven according to PNC and a dispute is in process on that final decision. A request to change my auto pay to my new bank account was faxed to XXXX XXXX on XX/XX/XXXX ( a copy is attached ) I made my XX/XX/XXXX payment at the branch but on XX/XX/XXXX the auto payment that posted to the loan was from the wrong account. On XX/XX/XXXX I sent an email to XXXX XXXX asking for her help in figuring out what happened to my request to change the auto pay to my new account. 
On Saturday, XX/XX/XXXX I reached out to XXXX XXXX again with an email about the issue. I have seen a reversal on the payment post dated XX/XX/XXXX. 
On Tuesday, XX/XX/XXXX I called PNC business banking XXXX the hold time was over 20 minutes I waited 30 minutes and hung up. 
Today, XX/XX/XXXX I received a reply from XXXX XXXX that I should make a payment at the branch for now. She submitted my issue to the Escalation dept. The branches are closed and I do not even have a remittance address on my loan payment statement because I was enrolled in auto pay. I called PNC again today and waited over 40 minutes, vented to the lady all over again about this mess. In the meantime they are accruing daily interest which is where I draw the line. I refuse to continue allowing this # 2 bank to profit on my hardship. They need to get their act together. I have done every to watch and reconcile this simple change request. No one ever called me. They are so big but they cant handle their mistakes. I expect a call from someone that knows something.
Consumer complaint received 2024-05-14
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. (MO)

In accordance with the fair credit reporting act the list of accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I recently reviewed my credit report on XXXX XXXX XXXX  for Equifax and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepres a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates to according to 15 USC 1681 ( e ) ( b ) .And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incorrect or can not be verified, the consumer reporting agency shall- ( i ) promptly delete the item of information from the original file of the consumer, or modify the item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of said consumer. And according to 15 USC 1681 s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the individual knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (NV)

XX/XX/2021 Attn : Very Urgent Please! 

Lender : XXXX, XXXX, Loan Number : XXXX, XXXX Lender/Servicer Address : XXXX XXXX XXXX, XXXX, MI XXXX XXXX : XXXX XXXX XXXX, Cell : XXXX XXXX XXXX Home Address : XXXX Mosticone Way, XXXX XXXX, NV XXXX Dear Sir/Madam : On XX/XX/2021, we submitted a request online to Remove our PMI ( Private Mortgage Insurance, $ 331 Monthly ) since the value of our property had gone up way more to satisfy our lender 's requirement of removing PMI when it reaches an LTV ( Loan to Value ) of 80 %. Today current estimates on our home is at {$580000.00} with XXXX and {$590000.00} with XXXX. Also, recent sales and houses comparable around the neighborhood less or a little more square footage and lot sizes compared to ours have been sold from {$550000.00} to {$620000.00} during the last 90 days. Current Balance owed : {$410000.00}. 

On XX/XX/2021, XXXX, XXXX responded to our request with instructions. However, it took take them more than a month, XX/XX/XXXX to be exact before we received the request form that they said we need to sign with an appraisal check to formalize the request. To make the story short, the signed request form along the {$150.00} BPO check as instructed were returned to them the same day via Priority Mail. 

However, yesterday, XX/XX/XXXX, we received another mail from them stating that our loan is now being transferred to a new servicer ; XXXX XXXX XXXX XXXX with telephone XXXX. 

We are not sure whether this is intentional or a coincidence but this looks very suspicious and perhaps a tactic to delay the cancellation of our PMI. Hence, we would truly appreciate any urgent help you can provide to make this work for us. Since our current Loan Servicer, XXXX, XXXX also stated on their notice transfer letter that the last day they'll accept any check from us will be on XX/XX/2021. Just a few days from now. 

Sincerely, XXXX XXXX XXXX, Tel : XXXX, Email : XXXX XXXX XXXX XXXX XXXX : XXXX, Email : XXXX XXXX
Consumer complaint received 2021-11-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (IN)

As of XX/XX/XXXX an alleged creditor by the name CENTAL PORTFOLIO CONTRO is reporting an account on my consumer XXXX credit report in the alleged amount of {$2200.00}. XXXX was in receipt of dispute letter on XX/XX/XXXX @ XXXX EST. There is an alleged original creditor listed as XXXX COMPANIES. Which makes CEBTRAL PORTFOLIO CONTRO a third-party debt collector. This account is not mine nor is any alleged debt mine, nor do I have any contract to do business with CENTRAL PORTFOLIO CONTRO. I have written a certified mail letter to XXXX and the CFO for XXXX to verify the accuracy of the alleged account and alleged debt dated XX/XX/XXXX titled " Notice of Dispute Demand for Validation and Proof of Claim ''. As of XX/XX/XXXX XXXX has failed to provide consumer with any accurate validation in writing pursuant to the Fair Credit Reporting Act, XXXX XXXX. XXXX, I expressed my right to demand that XXXX disclose to me all of the documents they have recorded and retained in consumer 's file at the time of request concerning the alleged account that XXXX is reporting on my credit report. XXXX can not just reply in writing stating that XXXX has verified any alleged accounts without providing the supporting full disclosure documents of how XXXX has verified any alleged accounts or any alleged debts. I have not seen nor received any documents to support CENTRAL PORTFOLIO CONTRO claims, nor any documentation from XXXX for them to be reporting this alleged debt on consumer 's credit profile, which has violated and damaged consumer 's credit worthiness dropping score XXXX points. By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties you are damaging my reputation and credit worthiness, and I will seek damages if they are not removed because XXXX was unable to provide the necessary documentation.
Consumer complaint received 2021-11-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TN)

This is concerning Citibank. We've had a credit card with them for years, they were fine. Recently we got an offer from them to open a checking account. If we were to put {$50000.00} in for XXXXdays, they would give a {$700.00} at the end of that period. 

On XX/XX/21 I opened account. I funded it on XX/XX/21 with {$50000.00} from a savings account ( XXXX horizon bank ) where the money had been held for years. That sum of money came from selling a house that was inherited when my mother died. We also deposited {$44.00} ( XX/XX/21 ) from another checking account, just to have it be enough over $ 50k, just in case, because the full XXXX had to stay for XXXX days. 

On XX/XX/21, we mobile deposited a check for {$850.00}. This check is payment from the other inherited house, in Texas, which we are owner financing for my mothers former tenants. We have been accepting payment from them for years, and my mother had them as tenants for years longer, and we never had a bad check from them. 
Citibank claims this check is bad, which isn't true, we've spoken to the tenants, they can prove it. Citibank decided to then block the account and say they are closing it, saying they will mail something, but this isnt good enough. 
We don't have a Citibank branch here, they say they would release it at one but it's XXXX hours away. I ca n't drive XXXX hrs each way to find out they are lying. 
They also plan to steal the {$850.00}, because the tenants have not received it back yet. I can not even look at my account they have removed all access to it, as if it doesn't exist. I consider the {$700.00} theft also as we would have earned it had they not tried to rip us off and steal from us. 
We desperately need this resolved fast. We are buying a family home here in XXXX Tennessee, and will be closing on the house in XXXX days. We can't have money tied up, God knows where, hoping they mail it to us and HOPING it actually reaches us since we will be moving to a new residence. 
They need to unlock our account so that we can transfer it back to our previous bank, safely, and leave the account open until it clears. We had {$50000.00} sitting in that account that they have stolen, plus they really owe us the {$700.00} bonus also, but I'm willing to let the bonus offer go, just want MY money back safe and sound.
Consumer complaint received 2019-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.