davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
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)

Hello, my name is XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. These accounts on my credit report are causing me severe problems in trying to purchase a home. 

I already reached out to Experian, XXXX, and XXXX. I will attach the letter I wrote to them.
Consumer complaint received 2019-07-16
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: Experian Information Solutions Inc. (FL)

XXXX ; Experian and XXXX  are reporting incorrectly lates on the XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account has been paid. There is no outstanding balance. Please keep in mind it is impossible to be late on an account with no balance due. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report.
Consumer complaint received 2021-06-16
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: JPMORGAN CHASE & CO. (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

on XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX initiated a hard inquiry on my credit reports { XXXX, XXXX and experian } without having my authorization. 
I kindly ask you to remove the hard inquiry thank you
Consumer complaint received 2018-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (NY)

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Consumer complaint received 2019-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (VA)

In two years of having Sun Trust / Suntrust Bank service our loan, they have twice missed the annual property insurance deadline and also missed paying our county property taxes once. I have spent ~20 hours fighting with different unhelpful agents to get them to make the payments for which they are escrowing money from us. The current property insurance payment is approaching 3 weeks late ( still not received ) and I can not get a clear answered when/how it was paid.
Consumer complaint received 2023-03-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have sent TransUnion proof that Disputed-XXXX  XXXX is not on my credit report with XXXX. I have also sent them copies from XXXX XXXX saying that they would credit my account for these charges which they never did. I called Transunion today XX/XX/24 and was told they can only report what is provided to them from the creditor. That the creditor does not tell them to remove it then they can't. So it seems CFPB and the credit reporting agents only work for the creditor not the consumer. If you helped and worked for the consumer then when the consumer provided you documents from the company stating they would credit the acct. Which would have a XXXX balance on the account and the acct would have never been closed. Someone needs to hold the companies reasonable for when they fail to do what they say they going to do.
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have made numerous attempts to XXXX XXXX XXXX XXXX to correct my Trans Union credit report. I have spoken to them on the phone and they insist no charge off exists. However, when I view the credit report online it says I have a charge off with them. I have but no charge to ask for your help in the hopes of clearing up this matter.
Consumer complaint received 2021-06-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.
Consumer complaint received 2019-07-16
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: EQUIFAX, INC. (FL)

Equifax ; XXXX and XXXX are reporting incorrectly lates on the XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account has been paid. There is no outstanding balance. Please keep in mind it is impossible to be late on an account with no balance due. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report.
Consumer complaint received 2024-03-04
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. (TX)

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 bureaus must check these items ( A ). It is unacceptable to list these accounts as 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
Consumer complaint received 2021-06-16
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Paypal Holdings, Inc (IL)

I used my XXXX XXXX  card to purchase a {$140.00} flight ticket through Paypal on XX/XX/XXXX. The transaction was marked as fraud by XXXX and requested the dispute. After I noticed that, I called them immediately to confirm it's not a fraud. XXXX closed the dispute on XXXX and sent the money back to the Paypal. However, the money was held in Paypal without any confirmation and notifications with me or the bank since then, which caused my flight was cancelled on XX/XX/XXXX and I had to pay {$350.00} to book the same flight due to the pricing change. The {$140.00} is still held by Paypal with no action even though the trip had been cancelled for almost one month. 

I called Paypal twice XXXX XXXX XXXX XXXX XXXX to return the money back to my accounts, they said the transaction is still under investigation, and someone will review the transaction and confirm with XXXX about the dispute but no update/follow ups till now.
Consumer complaint received 2016-10-18
Product: Credit card — 
Issue: Balance transfer — 
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

In XXXX 2016, I used a promotional check from Fifth Third CC ( Bank ) to pay for a large purchase with a 12 month 0 % Interest fee in the amount of {$2000.00} with a balance transfer fee of XXXX. We are careful about being sure to pay the amount off before the ending date. The balance of the card was paid off before we used the check. So there was a XXXX balance on the card when we used the check. Each month when the bill comes there is no date for the promotional ending period. 
Today XXXX My husband and I spent almost 2 hours trying to find out the end of the promotion. Fifth Third then told us the promotion ends on XXXX XXXX. All statements are due on the XXXX of the month. We were shorted an extra month. If I had n't spent the time on the phone trying to get the ending promotion date we surely would have been charged a huge interest rate. Their customer service is told us there was no way for them to figure the end of the promotional rate until we went through all our statements. I believe this is a ploy to be sure many consumers will go over their date thereby adding millions of dollars to what amounts to a semi-scam. If there is n't a law to put the ending promotional date on credit card statements - there should be. I had another promotion on a different card that also shorted the promotion date. But because it gave the ending date for the promotion I was able to get it changed to the correct date. 
When speaking to Fifth Third today, I asked for proof of the check and promotion dates. I was told by XXXX ID XXXX that he would provide this. However their customer services ( I spoke with 4 different people ) and three of the four had no idea what a deferred promotional interest rate was.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

XXXX has wrong personal information that list my addresss being in XXXX Texas. I have never lived there. Known addresss XXXX XXXX XXXX XXXX XXXX tx XXXX.
Consumer complaint received 2019-07-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MA)

This is a HELOC account not in litigation, it is a different mortgage from the first mortgage presently that is in litigation. I repeat This complaint HELOC account is NOT in litigation. This complaint is a different HELOC account number from the one in litigation. THIS IS NOT IN LITIGATION!!!! On XX/XX/XXXX I sent ( see attached RESPA request ) to Chase Research Dept regarding obtaining information pertaining to the HELOC I have been paying on since XXXX. All that I received for this request response is a letter for a payoff quote -- instead of an acknowledgement letter of being in receipt of my RESPA request ( and working on it ) which Chase was supposed to furnish me with within 5 business days of their receipt. I called today at XXXX and talked to a XXXX XXXX and she told me she had no knowledge of the response demanded letter but did receive my RESPA and she is not a lawyer. I told her it is highlighted in bold print ( see attached ) a response letter is due to me by now being way past the time for due letter response to me. This account number has been changed twice since the first different account number of origination. I am demanding this legally requested information.
Consumer complaint received 2017-07-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY (TX)

I had already communicated this issue to the CFPB but it was left unresolved. On XX/XX/2017 Wells Fargo Financial charged me an unexpected {$5.00} interest fee and my balance stands at {$6.00} currently after i had managed to pay it all off. I made them aware i am paying my student tuition at XXXX XXXX College currently at {$11000.00}. They have continued their push to charge me unexpected and exceedingly high interest. I am asking that the cfpb help me resolve this as soon as possible to reach a solution.
Consumer complaint received 2020-12-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UHG, LLC (NY)

I received a notification from the court that said that I did not appear to court on time and the letter did not tell me the time either, and then it appears that it was in early XXXX when I received the notification a week ago. One week after the 1st notification I received the demand for payment. and obligation now i don't know what i can do.
Consumer complaint received 2023-03-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: NORTHWEST BANCSHARES INC (IN)

Northwest Bank attempted to rob me of XXXX $ I have a loan that matures on XXXX XX/XX/2023. 
Today I attempted to pay said loan off, and requested the payoff number cost. They told me I owned {$40.00} in addition to the standard principal and interest. I told them that was impossible. They proceeded to indicate the additional {$40.00} was a fee for recording the loan payoff with the local government. 
Unfortunately for them I actually have all my loan documents. The Recording fee is clear part of my Main loan closing costs. ( this was a line of credit and the security interest was held within the Main loan as is clear referenced in the LOC documentation ) I explicitly told them to calculate the current principle and interest to pay off this loan, which I then proceeded to pay. 

I realize {$40.00} is a tiny fee, but I refuse to let them steal if from me.
Consumer complaint received 2021-06-16
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. (IN)

I filled a dispute to Transunion, XXXX and XXXX on XX/XX/XXXX. I have yet to receive anything saying they verified the accounts on my credit report.
Consumer complaint received 2020-02-26
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. (LA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX****, XXXX XXXX XXXX****, XXXX XXXX XXXX   XXXX****, XXXX XXXX  XXXX XXXX****, XXXX XXXX XXXX XXXX****, XXXX XXXX   XXXX XXXX****, XXXX XXXX****, XXXX   XXXX****, XXXX XXXX**** and XXXX  XXXX****
Consumer complaint received 2018-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (TX)

Citibank filed suit against me in XX/XX/XXXX/XX/XX/XXXX ( despite my previous offers to pay a portion thereof ). Case went to trial XX/XX/XXXX. Ended in Judgment granted against me XX/XX/XXXX. In XX/XX/XXXX, I received from Citibank a XX/XX/XXXXForm XXXX ( Cancellation of Debt ) as to the account number sued upon in the previously mentioned lawsuit and in the amount verified in said lawsuit. The XXXX XXXX Identifiable Event Code " G '' was given : " Decision or policy to discontinue collection. '' I filed my paper copy of my XX/XX/XXXX tax documents via regular mail sent from my home on XX/XX/XXXX. I paid my taxes due with a Direct Pay transaction on the IRS 's website, including taxes on " earned income '' represented by the XXXX Cancellation of Debt. Then on XX/XX/XXXX I missed a telephone call, ending in a voice mail message from " XXXX, '' asking me " again '' to call him at XXXX ( but which shows up on my prepaid phone as XXXX ). He didn't state what company he was calling on behalf of or what his call was about. I figured it was a personal telephone call, and he had dialed the wrong number. So I called him back to tell him he had the wrong number ( and he was wasting my prepaid minutes ), but a woman gave me my first and last name. After that I didn't understand 98 % of what she said as she had a thick accent. When she mentioned a dollar amount, I told her " Goodbye. '' Now I'm filing complaints with my state 's Secretary of State, the FTC, here at Consumer Finance, and with the SEC or anyone else I can file a complaint to. If this call was from Citibank, their right hand doesn't know what their left hand is doing. If this call was from a third-party vendor or even sold to another company, doesn't Citibank have a responsibility to share with them the filing of a XX/XX/XXXX Form XXXX?
Consumer complaint received 2019-07-16
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: BB&T CORPORATION (AL)

My name is XXXX XXXX, DOB XX/XX/XXXX and last four of social security number XXXX. On XX/XX/XXXX I contacted company " XXXX XXXX '' to purchase a vehicle. I wanted to see if I would pre-approve for a car loan with one of their creditors, same way I pre-approved with my bank and employer XXXX through their " credit tailor '', an app which sees if you pre-qualify without affecting your credit nor pulling a hard inquiry. However, I ended up going with my credit union XXXX XXXX XXXX XXXX because they provided the best rate and lowest interest rate. It was not until I received notification alerts to my email via XXXX and XXXX XXXX that I learned that instead of pre-approvals or soft credit inquiries I received hard inquiries. Subsequently, I reached out to the banks that performed the hard inquiry to request that they remove or convert to a soft inquiry because I did not authorize or consent to a hard inquiry and they stated that I would need to send a letter from XXXX XXXX as well as a letter from myself requesting that the hard inquiries be removed. I sent out both letters first class certified mail to the banks, credit unions and credit bureaus on XX/XX/XXXX and XX/XX/XXXX and I'm being met with opposition. XXXX XXXX  XXXX XXXX XXXX XXXX in particular sent me back a nasty letter, stating that my letter implied " erroneously '' obtaining my credit report, although I sent them a letter from XXXX XXXX. If that's the tone of their letters to potential clients I can't imagine their actual customers, disgusting. XXXX XXXX XXXX XXXX also sent me a letter and stated that I claimed I was a victim of identity theft of fraud, which I never claimed to them, nor have I ever claimed in regards to these inquiries. XXXX aka XXXX is dragging their feet and not offering any update or response ever since I sent them information. On the letter from XXXX XXXX it lists all the banks/credit unions that performed a hard inquiry.
Consumer complaint received 2022-10-14
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: SYNCHRONY FINANCIAL (AL)

On XXXX a line of credit for over {$13000.00} was open using my personal information. There is a balance of {$10000.00}. This is not an account I opened, and I do not have any knowledge of such a transaction. This account has been reported to all three credit bureaus and have dramatically affected my credit scores. I asked each agency to dispute the account and XXXX say they were able to verify the account as accurate. Again, I state without a doubt, this is not my account. The information on the report is SYNCBXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Phone number XXXX. I have not attempted to reach out to them because I believe the company information could be fraudulent. The terms to repay says {$0.00}, per month, paid Monthly.
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Equifax continuously places a fraud alert against my credit file against my explicit instructions not to do so. I have sent numerous letters to Equifax with the appropriate identification documentation instructing the agency to remove any and all fraud alerts from my file to no avail. By Equifax placing a fraud alert without my consent has caused numerous problems including not being able to create an online social security account or being able to apply for various credit invitations. 

Further, Equifax 's computer generated online identity verification system has been unable to generate proper questions for the last two years, making it impossible to expedite any disputes online.