davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

The exact same XXXX/XXXX account on my Experian Credit Report is reporting twice. As I explained to Experian, these XXXX accounts are the same exact account. The second account was created when my credit card was stolen and XXXX/XXXX issued a new account number to prevent fraud. XXXX of these accounts shows a payment status of 'unknown '. As such, the account should have been deleted on that basis alone since Experian admits it cant verify it.
Lastly, my account shows that I was 30-days late when in fact that is not true.
Consumer complaint received 2021-06-10
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. (GA)

ALL XXXX MAJOR REPORTING COMPANIES FAILED TO VERIFY MY INFORMATION WITH CREDITORS BEFORE ALLOWING THEM TO PULL MY CREDIT REPORT. I had a fraud alert on my credit report that would have lasted for at least 4 to 5 years. There were inquiries on my credit report that were not mine. I disputed with all 3 major credit reporting agencies over and over again with no resolve. These creditors pulling my credit profile have not supplied any proof of verification showing any signed applications verifying my identity. The following are hard inquiries on my credit report that I have no knowledge of. 

- XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX These inquiries have an impact on my credit score and need to be removed. 

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Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (NJ)

APPLE CARD/GS BANK USA reported 2 late payments ( XX/XX/2023 & XX/XX/2023 ) to the credit bureau XXXX I have sent out dispute letters, talked over the phone with XXXX & also reached out to Creditor themselves. APPLE CARD/GS BANK USA have told me they can not verify those late payments & have no record of them. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner.
Consumer complaint received 2021-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MARINER FINANCE, LLC (NJ)

I am attaching my final payment for the account referenced above. I request a written confirmation from you that this account is [ paid in full according to the terms of our agreement on XX/XX/XXXX. 

If I do not receive a written confirmation from you, I will consider this final payment as proof of your acceptance that the account referenced above is [ paid in full ]. 

Now that the debt is paid in full, I do not expect to hear from you concerning it, except to confirm that it is paid in full. I will consider reporting any other communications concerning payment to the Federal Trade Commission and my states Attorney General, as well as take any legal action necessary. please update and remove from my credit report ** I am not a debtor. I am a Secured Party Creditor that DISCHARGES ALL DEBTS PURSUANT TO 73RD CONGRESS. SESS 1. CHS. 48 49.

JUNE 5, 6, 1933 HJR 192 HR 1491 PUBLIC LAW 1 48 STAT 1 PUBLIC LAW 10 CHAPTER 48 STAT 112 PUBLIC LAW 73-10 40 STAT 411 TRADING WITH THE ENEMY ACT ( TWEA ) OCT 6, 1917 **
Consumer complaint received 2020-02-26
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. (LA)

I am a victim of identity theft. I had my personal information used to open fraudulent account that i did consent to. A few years back i had my bookbag stolen at a mall.I have tried. It is hurting me I have tried getting this matter resolved with the credit companies and nothing gets handled. please help
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

Prior to paying off account XX/XX/XXXX9 the payment history reflected on my credit report showed current and on time for the entire year. 

After paying the account off in XX/XX/2019 through their online portal, the balance owed showed {$0.00} and I know longer had access to the portal. 

XXXX came around and it showed a 30 day late on my credit report for XXXX, but the account had been paid in full prior to XXXX. I contacted the lender and the branch manager assured me the issue would be taken care of, but I would have to wait 30 days until they report to the bureaus again. Throughout this scenario I had made it clear to the lender that I am in the process of refinancing my home and need the corrections to be made ASAP. 

XXXX XXXX the update reported and instead of removing the error XXXX XXXX went back and added 8 late payments to the account. After the dispute with the branch manager I had deemed it as some form of retaliation to affect the refinance of my house. 

I later met with the District Manager at the office and have the entire conversation documented. He stated that the errors are to do with the companys system issues. The first error that caused these chains of events was XXXX cents in interest that they stated they forgave. The manager said that even though the online portal showed the account paid in full I should have known there was a XXXX cent balance even though their system showed otherwise. He stated that he would contact the XXXX department to remove the late payments, He stated that they would not remove the late payments which is in their own discretion and suggested that he will discuss with the companys attorney to remove the account. He stated that the attorney stated that according to FDIC they could not remove the account from my credit report which I instantly knew that was not true. 

Imagine refinancing your house, your personal dwelling, and in the process of paying accounts off completely to be Debt Free a company feels the need to attempt to strip the entire process away. Imagine the stress that has been experienced through this month not knowing if I will lose my house because paying off a loan has backfired to the extreme due to this companies systematic errors. I have attempted to reach out to this lender but have received nothing but prolonged responses and disrespect. I am hoping to have this issue resolved to avoid reaching out to an attorney for damages. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX District Manager : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-10
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: EQUIFAX, INC. (OH)

I sent a dispute letter to equifax via fax they received my transmission on tuesday XX/XX/2019 at XXXX XXXX ( i included the fax success transmission as proof they received my dispute letter ). I never got my results of the dispute in the 30 days or their process they are violating the FCRA. XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX/XXXX XXXX/XXXX  08 XXXX XXXX  its been over 60 days Since these items were not verified at all and they didnt complete their investigation and send me the results i ask these items be removed from my credit report
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: INDEPENDENT BANK CORP. (MA)

I placed an order on XX/XX/XXXX online via my phone for cookware, ad said it was free, I only had to pay the shipping. I have never received the cookware to this day. When I received my XXXX statement, there were XXXX charges. 

XX/XX/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 XX/XX/XXXX XXXX I called Rockland Trust, and filed a dispute. They said because I gave them my card number online, there was nothing they could do, I should contact the vendor. I called them and they said I had signed up for a drawing for this cookware and said they would be happy to give me a partial credit. I said I didn't sign up for anything but the free cookware, and I only authorized {$6.00} for the shipping. She continued to argue and I explained I received absolutely nothing from them and she agreed and said it was because I didn't win. I asked her to please credit the entire amount and she said she was unable to do that. 

I called Rockland Trust back and and said I never authorized those three charges, and they said there is nothing that can do. This is just so unbelievable.
Consumer complaint received 2021-06-10
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: ACIMA CREDIT, LLC (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2017-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates collection agency bought a fraudulent debt from XXXX XXXX XXXX in my name a card which I never applied never used never paid and was dumped by XXXX and bought by pra now pra is producing listing on my credit report for XXXX XXXX XXXX  which has already sold the dead which is not right and their debt buying listing also which is against the law as I have no agreement to pay the debt especially a fraudulent one to them they also failed to validate what does that is for they do n't even have my personal information
Consumer complaint received 2019-03-28
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. (GA)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX/XXXX partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-07-29
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. (TN)

Prior to paying off account XXXX of 2019 the payment history reflected on my credit report showed current and on time for the entire year. 

After paying the account off in XXXX of 2019 through their online portal, the balance owed showed {$0.00} and I know longer had access to the portal. 

XXXX came around and it showed a 30 day late on my credit report for XXXX, but the account had been paid in full prior to XXXX. I contacted the lender and the branch manager assured me the issue would be taken care of, but I would have to wait 30 days until they report to the bureaus again. Throughout this scenario I had made it clear to the lender that I am in the process of refinancing my home and need the corrections to be made ASAP. 

XX/XX/2019 the update reported and instead of removing the error XXXX XXXX went back and added 8 late payments to the account. After the dispute with the branch manager I had deemed it as some form of retaliation to affect the refinance of my house. 

I later met with the District Manager at the office and have the entire conversation documented. He stated that the errors are to do with the companys system issues. The first error that caused these chains of events was XXXX cents in interest that they stated they forgave. The manager said that even though the online portal showed the account paid in full I should have known there was a XXXX cent balance even though their system showed otherwise. He stated that he would contact the credit department to remove the late payments, He stated that they would not remove the late payments which is in their own discretion and suggested that he will discuss with the companys attorney to remove the account. He stated that the attorney stated that according to FDIC they could not remove the account from my credit report which I instantly knew that was not true. 

Imagine refinancing your house, your personal dwelling, and in the process of paying accounts off completely to be Debt Free a company feels the need to attempt to strip the entire process away. Imagine the stress that has been experienced through this month not knowing if I will lose my house because paying off a loan has backfired to the extreme due to this companies systematic errors. I have attempted to reach out to this lender but have received nothing but prolonged responses and disrespect. I am hoping to have this issue resolved to avoid reaching out to an attorney for damages. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX District Manager : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: VIRTUOSO SOURCING GROUP, LLC. (FL)

I have been receiving numerous calls from XXXX. When i answered the line was silent. So I block the contact in my phone and it went straight to voice mail. Now I get numerous voicemails with nothing on them. The calls and voice mails have been 2 or 3 a day for over 3 weeks. I've tried to call the number and all I get is a recording that it is not during business hours. This was between XXXX and XXXX est. that I've called. Then the recording goes on to say go to some website to pay a debt. I think this is a scam and should be shut down. Thank you
Consumer complaint received 2020-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

A phone call purporting to be Chase telling me they could lower my interest on my credit card. I do not have a Chase card. the number that was used is XXXX. They have been calling form XXXX -xxxx varied numbers for over a week now and my number is on the do not call list
Consumer complaint received 2019-01-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP (ID)

On XX/XX/XXXX I have opened Key Express Checking account in Key Bank branch ( XXXX XXXX XXXX XXXX, XXXX, ID XXXX ). I never had an account with Key Bank before. This account was opened under the documented, written award agreement, which stated : MAKE A DIRECT DEPOSIT OF AT LEAST {$500.00} AND A COMBINATION OF FIVE DEBIT CARD AND/OR BILL PAYMENTS WITHIN 60 DAYS AFTER ACCOUNT OPENING TO GET {$300.00}. DIRECT DEPOSIT TRANSACTIONS ARE LIMITED TO : PAYROLL, SOCIAL SECURITY, PENSION AND GOVERNMENT BENEFITS. Full offer text is attached. I have made 4 direct deposits of {$250.00} to my account and 5 debit transactions in the period from XX/XX/XXXX until XX/XX/XXXX, so I had to be eligible for the bonus. After getting a bonus I was going to keep my Key checking account to use debit card in XXXX XXXX, where credit card payment is not available. On XX/XX/XXXX XXXX I had made a call to Key Bank service center ( XXXX ) to check if everything fine with sign-up bonus. I was told that I am qualified, both my direct deposits and bank transactions are fine, and I just need to wait 90 days from the date of account opening. To double check and have a record in person, as I always do with banks, I later went to the local branch and asked again to verify my eligibility, and this time I was told that I am not eligible, as direct deposit was made in installments less than {$500.00}. Local branch clerks made appeal to marketing group, but marketing group of Key Bank refused the request to give me the bonus. I made several efforts to convince Key Bank support clerks and managers that it is illegal to give a vague description of the offer, and then interpret it in a free manner to deprive clients of deserved bonus. During account opening, I also did not receive a proper verbal disclosure about the account coupon terms. I made a search across Consumer Financial Protection Bureau data base and easily found a case similar to mine, also with Key bank and the same offer type : XXXX XXXX XXXX ( case # XXXX ). So, bank is obviously playing an unlawful bait and switch game of semantics with it's customers to avoid paying the bonus money. From account agreement they provided ( both written and verbally ), it does not follow that customers should make transfer of {$500.00} in one single deposit. I keep all records for the case to start a legal action in case the bonus will not be funded to my account.
Consumer complaint received 2019-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (NY)

Fidelity Rewards Credit Card, issued by Elan Financial Services issued a duplicate credit card for my account to an unauthorized individual in another state. I caught it and informed them ; I was forced to get a new card. Fidelity ( Elan ) has made security on my account so tight, I gave up using it and attempted to close the account. Balance is XXXX ; I requested the account be closed on XX/XX/XXXX ( sent to the Office of  the President @ Elan ). I have not received a response. I sent an email to XXXX XXXX, CEO of Fidelity as well as XXXX XXXX, Head of Customer Core Journeys. I did not receive a response. I then emailed XXXX XXXX, CEO of Parent of Elan, US Bank Corp. and XXXX XXXX, Senior VP @ US Bank Corp. and. I haven't received a response.
Consumer complaint received 2019-10-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file over and over as the amount of {$560.00} does not belong to me. This account was fraudulently opened through this company XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint multiple times and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2019-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IN)

On XX/XX/2019 I submitted a complaint against wells fargo bank for removal of my PMI. I started the BPO process on XX/XX/2019. I requested my PMI be removed and reimbursed with interest for the amounts I paid from XX/XX/2019 through XX/XX/2019. As of XX/XX/XXXX, the PMI has been removed from my mortgage payment and I was reimbursed for 4 months of payments. However, I was not reimbursed for the full 5 months. I believe I am still owed an additional month of PMI premium reimbursement and I should be reimbursed with interest because the delays encountered were not my fault and it should have been resolved in a more timely and efficient manner.
Consumer complaint received 2019-03-28
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: CITIBANK, N.A. (NV)

( Please review Attachment ). 

Please review correspondence addressed to XXXX as it relates to issues that occured with Citi Bank as well. Within the correspondence addressed to XXXX the issue is addressed that Citi Bank has outdated methods when contacting merchants on behalf of their customers when there is a dispute. This practice needs to be updated so that other customers do not have the same negative experience that I did. 

NOTE : My situation has been resolved as of XX/XX/19, but I thought it would be beneficial for future consumers to have such a situation documented by the CFPB.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (TX)

Subject : HARD INQUIRY RECEIVED FROM XXXX XXXX XXXX  ON MY CREDIT REPORT ENCLOSED To, CITIBANK NA., BEST B Dear Sir/Madam, I am writing to address a recent inquiry made on my credit bureau report XXXX XXXX, which appears to be related to CITIBANK NA., BEST B. Upon reviewing my credit report, I discovered a hard inquiry that I did not authorize or initiate. This inquiry is associated with my personal name, and I wish to clarify that I did not apply for any loans or credit with CITIBANK NA., BEST B.

As such, I kindly request clarification regarding the reason why this inquiry was pulled on my credit report. I believe there may have been a misunderstanding or error, as I have not engaged in any financial transactions with CITIBANK NA., BEST B.