davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-03
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; Bankruptcy XXXX XXXX Bankruptcy Liability : {$0.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-07-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (WA)

It has been more than 9 months that I applied for a loan and now they tell me they need : " I wanted to follow up on my voicemail message, the final review has been completed on your loan and it is ready for clear to close however there is one additional item needed. The current credit report has expired due to it being pulled when the first application was completed before switching to a 10 year XXXX. We do need to renew the report in order for underwriting to clear the loan. Please advise if we have permission to do so and I can send to clear to close after updating. I can also request the fee be covered by Navy Federal as well. '' Thank you, XXXX XXXX Mortgage Processor XXXX # XXXX XXXX f : XXXX XXXX : XXXX | M-F, XXXX EST And yet they want us to re-submit a new credit report!! after they sat on the paperwork for more than 9 months!!! I will have to pay higher mortgage rate because of rising interest rate.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX, I send a letter to the courthouse asking do the report bankruptcies to credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody ''. So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information, However, such information shall not include specific factual information on consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from creditor of the consumer from the consumer. They also violated my rights numerous times. The credit bureaus violated my given right XXXX5 USC 1681. According to : 15 U.S.C. 1681 section 602 A. State I have the right to Privacy.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

Our loan provider Has in accurately reported my account as delinquent 90 days, which is not true. When called to inquire, the repXXXX Was not helpful and couldnt give me any information when my statements show that i paid what was due. I should not have been marked delinquent 90 days
Consumer complaint received 2022-07-05
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: BANCO POPULAR DE PUERTO RICO (NJ)

Banco Popular De Puerto Rico removal from XXXX, XXXX, and XXXX XXXX from my credit report. date XX/XX/2020 XXXX.
Consumer complaint received 2022-02-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Gift card for purchase in the amount of {$50.00}. One item was returned, and the other was kept. However, the merchant did not credit my account the full {$50.00} for the gift certificate. {$16.00} us still due. I'm being harassed by Bank of America to provide the information and explanation 3 times now. If this business were conducted in the United States, they might be able to understand English more fluently.
Consumer complaint received 2022-02-12
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: HW Holding, Inc (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2022-02-12
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)

On XX/XX/XXXX, a complaint was made to CFPB ( XXXX ) and XXXX XXXXk replied with incorrect information. A moratorium was resolved on XX/XX/XXXX, by COVI. It was approved and it was indicated that the next payment would be in XX/XX/XXXX. The moratorium was approved for 2 months in XXXX and XX/XX/XXXX. Currently, delays of 30 days are reported for the months of XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. The loan is paid as agreed from XX/XX/XXXX to the present XX/XX/XXXX. In the Credit Agency Experian, XXXX and XXXX delays are still reported. In the reply from XXXX XXXX, it indicates that the moratorium was given for XXXX and XX/XX/XXXX, when the bank has violated its own regulations, since the request for the moratorium was approved on XX/XX/XXXX. It is not possible to give moratoriums retroactively. In addition, they indicate that the account is reported correct from XX/XX/XXXX to XX/XX/XXXX, incorrect information because the error has not yet been corrected in the Credit Agencies.
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NJ)

Hi, My sons each received {$100.00} gift cards from their grandmother. They were purchased at a XXXX in XXXX XXXX, Fl. One of the cards was perfectly fine, the other only had 12 numbers ( instead of 16 ) so it could not be used. Both cards were sealed in packets. I am submitting a complaint because I called the provider, Vanilla gift cards, and I followed their process exactly to explain the fraud. I have not heard anything back or received any acknowledgment. I think it's shaky a firm of this size and stature doesn't even respond. It's only {$100.00}, but really the principal of not hearing anything back, and my mother-in-law is helpless as the purchaser as well. So the question to the CFPB is that this gift card was obviously fraudulent. I went online and read about this and it sounds like it happens quite often. Given it's prevalent, what is the issuer 's process to make good. Is it simply the buyer loses out? If that's the case I'll urge relatives to send cash instead. Just seems so wrong my mother-in-law 's gift is out the window and feel like the work I did to follow their process has not registered anything. It feels like I went into a black hole and that's not right for the consumer. I run a federal credit union so I know about credit disputes. This I've not seen before with our gift card program so was so curious how Vanilla would respond.
Consumer complaint received 2021-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo Bank Abruptly and without any notifications deleted all payee account information from my corporate business checking account and has not restored any payee information for the past 2 months. 
Not only was the business account inaccessible for 3 weeks without any resolution despite repeated multi-hour phone calls, the missing payee and bill information stored in the account was promised to be restored over 3 weeks ago but nothing has been resolved. 
I am also concerned at unauthorized access to my bank accounts by both insider and outsider malicious entities at wells fargo as the missing payee history and their payments are highly confidential and proprietary to the business. The disappearance of the financial information was identical to a hack attack and wells fargo continues to deny it by admitting it was merely an error. However it is impacting business operations as well as record keeping efforts as well. 
Wells fargo employees tried to coerce me into committing illegal transactions by paying business expenses from my personal accounts instead. They also repeatedly and wilfully tried to dodge any responsibility for the account 's compromised state. I am getting repeated calls by wells fargo employees to allow them access to the compromised accounts but nothing seems to get fixed for over 2 months now.
Consumer complaint received 2022-10-11
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. (GA)

XXXX XXXX XXXX XXXX, account # XXXX is showing 1- 30 days late payment. I made my payment on time and has never been late! I submitted a dispute and the agencies havent responded and its been 30 days. I contacted XXXX and they verified that I wasnt late and that the bureaus havent contacted them. They advised me to contact the bureaus to have them contact the credit union to get it corrected!
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I have called 5 different times, and Experian has a completely bogus system that will not allow you to speak to a person. After listening to their horrendously ineffective system blather at me for literally hours, I still have not spoken to someone. I want to have my credit unfrozen. They send me to a ridiculous voice message that says i have to include my pin and send my mail. Are you kidding me? i need to do it now, not next week, and i don't remember my idiotic pin number. This is not protecting my credit. This is just infuriating. How do i actually speak to someone who can help me? i don't know my pin, and they won't speak to me to help me reset or obtain my pin. Worst.Company.Ever.
Consumer complaint received 2020-02-13
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: CITIBANK, N.A. (NY)

1 ) Nine fraudulent charges made by XXXX XXXX/XXXX  for {$75.00} posted to cardholders Citibank Government Travel Card statement summary on XX/XX/XXXX. 
2 ) Cardholder reports charges as fraudulent to XXXX on XX/XX/XXXX. 
3 ) XXXX sends cardholder merchants ( XXXX XXXX/XXXX  ) rebuttal via email on XX/XX/XXXX.

- XXXX XXXX/XXXX 's rebuttal contains inaccurate information pertaining to cardholders Government Travel Card account with CitiBank.

- Documents provided to CitiBankCommercialCardsInvestigations by XXXX XXXX/XXXX  fail to include cardholders correct home address and signature authorizing nine separate transactions placed to the cardholders account. XXXX XXXX/XXXX  wrongful accuses the cardholder of agreeing to their cancellation policy, and the charges placed, without providing written proof of such agreement. CitiBank proceeds to hold cardholder fiscally responsible for payments although XXXX XXXX/XXXX  does not provide documentation of agreement between cardholder and XXXX XXXX/XXXX. CitiBank employs a " {$0.00} Liability on Unauthorized Charges '' policy which has not been upheld. 
4 ) XXXX closes investigation on XX/XX/XXXX without providing cardholder justified resolution to the fraudulent charges made to their account. The cardholder is being held fiscally responsible to pay fraudulent charges in full by CitiBank.
Consumer complaint received 2020-02-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (NY)

IN XX/XX/2019 I PAID A SETTLEMENT AMOUNT TO XXXX XXXX XXXX XXXX  BY A & XXXX  XXXX IN XXXX XXXX,., WITH COMENITY BANK WHO ADMINISTERS THE CREDIT CARDS FOR XXXX XXXX XXXX., IT WAS XXXX.. HE AGREED TO REMOVE ALL OTHER FEES,., AND CLOSE THIS ACCOUNT,., HE LIED COMENITY BANK HAS HARRASSED ME AND CONTINUED TO FRUADENTLY SEND THE RISING STATMENTS NOW AT {$600.00} FROM THE {$120.00} SETTLEMENT AMT.. 
WHEN I CALL THEM XXXX XXXX XXXX,., THE CALL GOES TO THE BANK INSTEAD AND THEY ACT LIKE THE BILL COLLECTORS FOR THE CO INSTEAD OF A REGULAR BANK,., TELLING ME OH WELL YOU PAID OFF THE STORE BUT WE DIDNT GET OUR MONEY,., THE EXTRA {$500.00} IN FEES THEY ARE TRYING TO EXTORT FROM ME,., AFTER XXXX XXXX SAID I COULD PAY THE {$120.00},., TO DATE XXXX XXXX OR HIS EXTENSION EXIST,. AND COMENITY BANK MALIOUSLY CUTOFF MY VICTORIA   SECRET ACCT IN XXXX.IT WAS IN GOOD STANDING, AND I HAD RETURNED ALL ITEMS I BOUGHT AT XXXX  XXXX XXXX,, WHICH NEVER GOT APPLIED TO ACCT,, AS WELL,., I WAS IN A DISPUTE ABOUT MY ACCT SO I NEVER PAID,. BUT JUST AGREED TO SETTLE THIS ACCT,., COMENITY BANK HAS REPORTED NEGATIVE SPITEFULLY SO IN ALL CREDIT BUREAUS TIL I HAD TO FIND SOMEONE TO HELP ME STOP THEM FROM DOING THIS TO ME OR ANYONE AGAIN
Consumer complaint received 2020-02-13
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION ()

We are a call center for a college in Arizona. We have an emergency phone that we are responsible for, and have been receiving numerous robo-calls from Amerisave Mortgage. The call always disconnects when we answer it, and we have called each time to ask them to take our number out of their system. They always tell us that our number is not in their system, yet we continue to receive calls from them, sometimes multiple times a day. 

The calls started on XX/XX/20 at XXXX from XXXX. At that time I personally called and spoke to their customer service department, and was told they would stop calling. Since then they have called our emergency line : XX/XX/20 XXXX from XXXX XX/XX/20 XXXX from XXXX XX/XX/20 XXXX from XXXX XX/XX/20 XXXX from XXXX
Consumer complaint received 2022-03-21
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. (TX)

XXXX XXXX 's account was charged off in XX/XX/2017 and since then it has been reporting monthly as a charge off. Also all three bureaus are reporting different information and that which is a violation. I have written letters to all three bureaus asking that this account be removed for the violation and wrong information, and Experian and XXXX are still reporting the account. Since my last complaint to XXXX they said they were unable to verify my address or identity. Since then I have sent my ID and a utility bill reflecting my current address.
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AMERICAN EXPRESS COMPANY (TX)

My identification theft has caused me to have an BLANK fico score, and Ive shown multiple documents that prove I'm an homeless victim of an federal offense. Sgt. XXXX of the XXXX  XXXX, Texas Police department has all the evidence to send my police report to my home state of XXXX XXXX, Nevada. 

My employer, the XXXX has been notified, XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (AR)

Experian has been reporting wrong information Iv put in many deputes and I get nothing Im being working very hard to better my reports but Experian is the only company that refused to FIX this I dont know what else to do!!? 
I am ready to take future action at this point They report negative payments when Iv been  paying early The have a time share that is not mine Im paying my bills early and working extra just for them to refuse to fix this
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (UT)

CB/VICSCRT is reporting a few 30 day late 's on my credit file. Due to unforeseen circumstances surrounding the pandemic I was severely impacted financially. This was truly out of my hands as my hours were cut and I was unable to find another source of income. I am asking that you please remove this late from my credit file as it has has a big impact on my scores .I also paid this as soon as possible trying to avoid this late notation on my credit. As a long time customer I am asking for this one time courtesy.
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I am disputing Fraudulent Inquiries on my Credit Report 1. XXXX XXXX 2.XXXX  XXXX 3.XXXX  XXXX XXXX  4.XXXX XXXX  Please remove these as these are fraudulently done as a result of Identity Theft which I am trying to get resolved.
Consumer complaint received 2020-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

My student loans were discharged under the PSLF, but FedLoan reports ( and I concur ) that I paid 123 out of 120 payments resulting in a 3 additional payments over the required 120 payments ( see attached ). On XX/XX/XXXX, FedLoan Servicing reported that it would take 30-60 days ( see attached ) for the Department of Treasury to refund these over-payments. As of XX/XX/XXXX, it has been over 90 days and I have not received a response to my request for this refund which is approximately {$1700.00}. I would like CFPB to look into this matter to identify the problem and what needs to be resolved to refund these surplus payments to my account.
Consumer complaint received 2020-02-13
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. (AR)

I applied for a credit card and I got denied. I was not told the reason on why I got denied. I went home and decided to get a copy of my credit report on XXXX   XXXX and I saw various items that had been open from XXXX and one item in XX/XX/XXXX. These items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off my credit report. 

XXXX XXXX {$680.00} XXXX   XXXX  XXXX {$250.00} XXXX   XXXX  XXXX {$420.00}
Consumer complaint received 2020-02-13
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. (AR)

I applied for a credit card and I got denied. I was not told the reason on why I got denied. I went home and decided to get a copy of my credit report on XXXX   XXXX and I saw various items that had been open from XX/XX/XXXX-XX/XX/XXXXand one item in XX/XX/XXXX. These items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off my credit report. 

XXXX XXXX {$680.00} XXXX   XXXX  XXXX {$250.00} XXXX   XXXX XXXX {$420.00}