davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-11
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Consumer complaint received 2022-01-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (IA)

Getting repeated calls for like 3 months now looking for someone I don't even know. I've told these people this many times over that I don't know who they're calling for and to not call my number again. The calls keep coming non stop I can tell they're robocalls also because of a long pause when I answer the telephone and a person with a robotic foreign sounding voice. Also I get no caller ID calls all days and night with people looking for this person I don't know that owes a debt. Last month alone i had XXXX calls from No Caller ID looking for so and so that owes a debt I say stop calling me & 30 minutes later someone else is calling.
Consumer complaint received 2021-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hunt & Henriques (CA)

I was notified recently i was being sued for a debt that i do not owe. The debt was origination is from XXXX XXXX and was fraudulently opened. The collection company suing me is Hunt and Henriques. 

The original creditor was informed early 2020 that the account was opened fraudulently and should be removed from my credit report. After months of back and forth the creditor agreed to remove the account from my credit report and absolve me of liability. 

I strongly believe Hunt and Henriques and XXXX XXXX are attempting to scare me into paying the debt with this small claims suite . They are practicing predatory and illegal debt collection techniques. This should be investigated by the CFPB and appropriate action 's should be taken.
Consumer complaint received 2021-05-17
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. (NY)

XXXX XXXX XXXX account is adding interest onto a charged off account. The account was charged off. The rep told me at court that a judge can agree to make me pay more interest but i have no judgments about court ever. They are reporting two different amounts owed to experian and equifax. XXXX is also reporting that the loan is on time in 2021. The amount not the same on my credit reports, thus making reporting information incorrect and should be removed from my credit report for inaccuracies.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX account is adding interest onto a charged off account. The account was charged off. The rep told me at court that a judge can agree to make me pay more interest but i have no judgments about court ever. They are reporting two different amounts owed to experian and equifax. Equifax is also reporting that the loan is on time in 2021. The amount not the same on my credit reports, thus making reporting information incorrect and should be removed from my credit report for inaccuracies.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing this report against XXXX XXXX XXXX XXXX because they are filing with the credit report inaccurate information. This financial institution has been reporting a delinquency to the credit report despite me giving them my payments on time without any delays. I'm a very punctual person that makes their payments on time always and despite this fact they are claiming that they have conducted an " investigation '' and they are concluding that the delinquency is valid. In addition, they hung up the phone on me multiple times and claimed they will not remove the delinquency to protect their brand. Their brand is not of my concern because they made the error and they need to fix it. If my payment was processed by them on time I'm not supposed to be held responsible for their shortcomings. Therefore, this issue needs to be resolved and the payment that I made on time must be reported correctly. Just because they are XXXX XXXX and they have a high reputation in the automotive industry does not give them the exception to treat consumers like garbage. I make all my payments on time and they can not bring their reputation to avoid responsibility.
Consumer complaint received 2022-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

, I was told to contact office for help referred by XXXX XXXX XXXX : regarding problem Im having with BANK OF AMERICA XXXX XXXX XXXX XXXX DEPARTMENT that over sees XXXX PAYMENTS. Last year my XXXX funds were stolen from my account, I have since filed claim with Bank of America they are refusing to refund my Money that was stolen, then I am being held responsible for to file on my taxes as if I received but Bank of America never pay me my money XXXX have sent them for me, they have allowed my account to be frauded and refuse to make things right, which leave me no choice but to seek outside help. My information XXXX XXXX : Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. XXXX XXXX XX/XX/1996. Bank of America XXXX XXXX XXXX - Claim Number # XXXX. They have stolen all of my XXXX benefits leaving me waiting for months with no bell and have exhausted my resources.
Consumer complaint received 2022-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

I established a monthly payment to a company via my checking account with America First Credit Union. 

The credit union processed this as a charge to a credit card I have not used in many years. When I last used the card I had minimum payments established to avoid delinquency. When this new monthly charge began XX/XX/XXXX I expected it to come from my checking account which held a balance of more than XXXX. Instead it came from my credit card and minimum payments were not automatically taken out. The credit union did not notify me of this delinquency at any time by phone or email. When I later found out about it they told me letters were sent to an incorrect address. 

When I found out about the delinquency I immediately paid the balance and closed the account. I also asked for a print out of all activity. I did this on XX/XX/XXXX I noticed the credit union without my permission offset payments using my checking account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all in XXXX. 

Despite the offset to pay off my debt, without my permission, they continued to report this account as delinquent to the credit reporting agencies. 

I disputed both the initial charge to my card as it should have been deducted from checking from the beginning as well as the late credit reporting and offset out of my checking account. They also could not tell me why my automatic payments were turned off. 

I was notified today, XX/XX/XXXX that my dispute was denied and that my account is being reported as delinquent.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (CO)

XX/XX/2022 I report it to experience that their information on my credit report was wrong. I was told via the app that I use and are paying for their services for credit monitoring that my credit score is not what I am seeing on the credit servicing app for Experian. The app says I have a score of XXXX thing which is a total lie. Because when my credit is pulled we see another score lower than the scores presented by the Experian app. This is fraudulent information that would not work in a court of law. We should always see a factual actual credit number that is reflective in all systems. Experian said they dont have to do this. That sounds illegal to me
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

On my report there is a credit card I did not recognize. I called the company months ago. They verified the debt saying I did open the account and would help no further. After multiple attempts to fix this they continued to say I owed XXXX XXXX Finally I asked them to remove it if I just paid the debt, that I didn't want it on my credit. They refused. They told me they would only report it paid off, it now shows a XXXX balance but still as charged off and not paid off just closed charge off. This was done in XX/XX/XXXX they are still reporting this as a late payment every month both XXXX and XX/XX/XXXX. I want this off my credit. It is through XXXX XXXX XXXX  open date was XX/XX/XXXX. Last Status change date was XX/XX/XXXX. This is harmful and irresponsible of their company to continue to harass my credit. I never authorized this card to start with and assumed if I just ate the cost it would be worth it to have it removed.
Consumer complaint received 2022-01-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My federal tax-id XXXX was used to open a bank account at Bank of America XXXX I received information from the an email sent to my former business email account XXXX ; stating that I had an update to my account. 
I knew of no existing Bank of America Account. When I went to the local Bank of America Branch ( XXXX XXXX XXXX, CA ), I learned information that is highly suggestive of business identity theft, personal identity theft, and bank fraud. After presenting the banker and branch manger my tax-id XXXX, and my drivers license ; I was told that the account associated with my tax ID did not belong to me. The account and tax-ID were not associated with my business name XXXX XXXX XXXX XXXX XXXX PA ; my social security number, my former ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA, XXXX, my current home address XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX. Account and Tax ID not associated with my birthdate XX/XX/80, nor any phone number related to me. 
The Branch manager then said that I had no relationship with Bank of America, as the tax- id given, no longer seemed to belong to me??? They did comment and say, " XXXX '' when looking at the account info until my tax id.
Consumer complaint received 2022-01-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-04-11
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Consumer complaint received 2024-03-09
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. (IL)

I received your response Last ( XX/XX/2024 ) that you need my updated email address which is ( XXXX. ) I sent a complaint to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # 's XXXX ; XXXXXXXX XXXX XXXXXXXX. I am including it again.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am Requesting the Removal of Inaccurate XXXX  Payment Entry from Credit Report. Account Number : XXXX In light of these regulations, I request that you take immediate action to rectify this error by removing the inaccurate XXXX  payment history entry from my credit report. I emphasize that this request is not made frivolously, but rather in accordance with my rights as outlined by the FCRA. I have enclosed copies of supporting documents [ attached file ] to substantiate my claim of XXXX payment. I trust that upon review of this evidence, you will promptly correct the erroneous information on my credit file. Please provide written confirmation once the necessary corrections have been made. Additionally, we request that you furnish my client with a free copy of their updated credit report reflecting the removal of the inaccurate XXXX  payment entry. In addition to the inaccurate XXXX  payment entry, it has come to our attention that the credit report provided by your agency differs from those provided by other consumer reporting agencies. Such inconsistencies raise concerns regarding the accuracy and reliability of the information being reported by your agency. In light of these legal obligations and discrepancies, I hereby formally request that you take immediate action to rectify the error by removing the inaccurate XXXX  payment entry from my client 's credit report. This request is made in accordance with their rights as outlined by the FCRA, and failure to comply may result in further legal action.
Consumer complaint received 2022-01-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

During COVID Bank of America offered a forbearance. I asked that if I used it would the payments be put at the end of my mortgage. I was told yes over the phone. I received letters stating you owe such and such amount. I would call and ask and was given the reply that yes I was on a forbearance and would not have to pay until the end of my mortgage. This would happen about every three months. The forbearance was up in XX/XX/XXXX. At that time I resumed payments. From what I had been told I was sure the payments I was making were for the months I was making them in. 
I called when I saw online that my current payments were being used towards the XXXX payments that had been in forbearance. When I asked why that was as I had been told they were going to be put at the back end of the mortgage I was told that things had changed. They are now telling me I have to come up with all the money or they can foreclose on my house! 
This seems criminal to me. Had I been told that in the first place I would have borrowed money rather than use their forebearance plan. They have been charging me XXXX % interest rate as it is which seems like usury. I am not a young person and Im on Social Security. I dont know any place where I could get a new mortgage at this point. Please help. I just want them to put the payments at the back end of the mortgage like they told me they were going to do.Thank you
Consumer complaint received 2022-01-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (VA)

I was having eft deposit a weekly basis from a known person and Ally Bank forced closed my account. In doing so they moved XXXX from my account to a unknown account. They verified the person who was sending eft through direct deposit was a known person. They need to return my XXXX to myself.
Consumer complaint received 2024-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (CA)

I was told I needed to show proof of insurance or they were going to charge me for what they called hazard. I received a letter after sending them a fax showing that I had insurance and also had my insurance company contact them to let them know that I had insurance covering my house and it has never lapsed. I received a letter dated XX/XX/XXXX regarding Hazard insurance and it said they cancel the insurance effective XX/XX/XXXX. Now on my statements they're charging me {$190.00}. This charge is dated on XXXX
Consumer complaint received 2022-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

I applied for a Credit Card Issued by CitiBank, through XXXX XXXX XXXX. I applied at the XXXX, Tx XXXX XXXX store in person. When I applied the retail agent took my details and entered them into the system. She told me she had never done an application before but was willing to do it anyway. I received my card and went to the website as instructed to activate the card. The website informed me that I could not activate it online and to call a number which I did. While on the phone the operator told me that they could not confirm my identity using my social security number, the card number, my date of birth, nor any other detail I tried to give her because none of my details matched their system information. She went on to say that I could not pay the balance, nor could I talk to a XXXX until the verification process was complete. She informed me that the verification process would take as long as it would take and she was not allowed to tell me what form of communication the company would take to get in touch with the card holder ( myself ). She could not verify that XXXX of the addresses I gave her would be mailed to, nor how I was to be contacted ... but that the account holder would be charged fees and penalties until the balance was paid including debt collection services if required. I asked about paying as a third party which she denied saying that it would require a supervisor sign off and no such person was available today. She could not say when such a person would be available either. I am very frustrated because there is no way for me to prove my identity to Citi Bank, nor to XXXX XXXX Co. I have made XXXX calls today and have had all XXXX " dropped '' or hung up on. I waited on hold for a total of XXXX hours. No call backs and absolutely no attempt has been made to fix or correct the file. The company has refused to deal with me. I would like to cancel the card and close the account if it can not be corrected in a timely manner. If this can not be done I refute the charge as the person holding the card should not receive credit damages because of a serious company data fault. I highly recommend that XXXX XXXX remove the apply in store option if they can not teach their employees how to properly setup credit cards. It is absolutely horrifying that details were put in that I could not verify in person were correct and that these details are now potentially ruining my credit score with no ability to solve the issue.