davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (TX)

On or around XX/XX/XXXX, I ( SS # XXXX ) and my now wife XXXX XXXX ( SS # XXXX ) received notification from my credit monitoring system that a collections account form Hunter Warfield was reported on my credit profile in the amount of {$160.00}. The original creditor is XXXX at XXXX XXXX which is my primary residence. I contacted to property manager in person and via email about this debt because our rent has not been late, nor have we carried a balance and this was our first time learning about this debt. The property manager explained that the balance was from the unit we transferred from. ( we moved from unit XXXX to XXXX earlier this year ) We see the apartment staff at least once a week and we pay our rent via their online portal and we were never notified of this debt. We asked the manager to remove the debt from our credit because we never were given notice of the balance due prior to being sent to collections. To date this item still remains on our credit. We don't have an issue paying the amount, our only concern is paying the amount and it appearing on our credit profile as a paid collection when it shouldn't have ever been placed in collections.
Consumer complaint received 2022-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

In XXXX of 2021, my mortgage payment increased by approx XXXX. After reviewing my paper statements I have identified the increase was as a result of my escrow ( taxes & insurance ). However, looking at the past several years my tax and insurance bills have only increased very slightly. I do not understand why my escrow would increase so substantially each month. 

To look into this further, I have been trying for days to access my mortgage account with Citizens XXXX XXXX. Normally I access my account using the app, but they recently XXXX the map because they are merging with the banking app. Because I do not have a Citizens bank account, I am required to enroll again with a new username and password in the new app. When I attempt to do so, none of my credentials are recognized including my SS #, name, etc. I also tried to enroll on the citizens website with the same result. Finally, I have called the citizens helpline ( s ) 5 times and been put on hold for over an hour only to be dropped. I also reached out to my loan officer today. 

As a result, I have no explanation to my escrow increase and no ability to speak to anyone or access my account online.
Consumer complaint received 2022-12-15
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
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: EQUIFAX, INC. (VA)

Guys I am in panic because I found fake accounts in my credit report. That's crazy and I am very stressed out because these account are not mine. I filed a report as I become a victim of identity theft and I can not understand what to do in this case however I heard that I can ask you to remove these accounts from my credit report. These items are just killing my report and I can not move on in my life. Its very sad situation. Please apply investigation and figure put who did it to me.
Consumer complaint received 2018-06-27
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: SECURITY FINANCE CORP (NV)

I took out a payday loan with XXXX in XXXX NV. in XX/XX/XXXX and have been unable to pay it back. It is now on my credit report in collections. XXXX continues to run hard inquiries on my credit even though I have asked them twice not to do so. I personally spoke to an employee named XXXX ( last name refused ) and asked him not to run any hard inquiries. He said they had right to do so because they just wanted their money. I told him he was wrong because I was not applying for a new loan, it's an old unpaid loan. I was notified by XXXX  XXXX that another hard inquire was done today XX/XX/XXXX. This makes four hard inquiries since my unpaid loan went to collections and on my credit report. They will not stop.
Consumer complaint received 2022-10-06
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. (TX)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2018-06-27
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I'm went in to XXXX XXXX XX/XX/XXXX with a credit score of XXXX. Paying my debts on time took my score to XXXX. XX/XX/XXXX my score went downstairs 74 points. My creditors are showing a good payment history on my credit report but they put it in negative status. Capital One, XXXX Credit Card , XXXX XXXX. XXXX Car Finance has me owing XXXX dollars when I only XXXX dollars. I've been doing everything I can to satisfy my debts with my creditors and raise my credit score so I can purchase a home. I do not think it's right for them to put me in negative status since they agreed to the terms bye XXXX XXXX. They were in a positive status. Then all of a sudden it's negative.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Guys I am in panic because I found fake accounts in my credit report. That's crazy and I am very stressed out because these account are not mine. I filed a report as I become a victim of identity theft and I can not understand what to do in this case however I heard that I can ask you to remove these accounts from my credit report. These items are just killing my report and I can not move on in my life. Its very sad situation. Please apply investigation and figure put who did it to me.
Consumer complaint received 2022-01-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I'm requesting, as my consumer rights, to validate and verify THE INFORMATION on some accounts on my report, and also ask for documentation for charge off accounts and I got no response or saw any update or validation or verifications since XX/XX/2021. Needles to mention that I send letter every 35 days and we are over 6 months without response!?!? 
Attached some of the letters sent to the different bureaus for the past 6 months. no response to any!
Consumer complaint received 2022-12-02
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. (NV)

I HAVE BEEN VERY CLEAR AND PATIENT, I HAVE CALLED TRANSUNION AND XXXX AND THEY HAVE ASKED ME SECURITY QUESTIONS AND VALIDATED MY ID BUT I AM NOT ABLE TO LOG ONTO MY ONLINE ACCOUNT I HAVE ALSO BEEN UNABLE TO GET THE FRAUD STATEMENT REMOVED.. SO I WILL SAY IT AGAIN CLEARLY AND I HAVE ATTACHED MY NOTARIZED LICENSE AND BANK STATEMENT, WHAT OTHER PROOF DO YOU NEED? 

1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. REMOVE LATE PAYMENTS, THOSE ARE BILLING DISCREPANCIES. HOW DID I GO FROM XXXX AND UP ON MY SCORES TO XXXX? SOMEONE IS PLAYING GAMES. 

3 THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS. 

4. UPDATE AND SUPPRESS NEGATIVE INFORMATION 5. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. CLARITY SENT ME A PAPER WITH NO CODE BUT LISTED I NEEDED A CODE TO UNFREEZE. HOW CRAZY IS THAT, IT WILL BE ATTACHED. 

6. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS AS IT IS MAKING IT VERY DIFFICULT TO GET THINGS CORRECT. REMOVE IT IMMEDIATELY AND UPDATE MY REPORT. 

I BEG SOMEONE IN CFPB TO INVESTIGATE HOW HARD IT IS TO GET TO YOUR ONLINE ACCOUNT UNLESS YOU ARE PAYING LIKE XXXX... WE HAVE TO PAY TO SEE OUR OWN SO CALLED DATE. I AM SICK OF THIS. 
15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts
Consumer complaint received 2022-10-06
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: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-10-14
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX, XXXX has sent to me by mail at least 2 or more written communications attempting to collect a debt that has already been discharged in a Chapter XXXX Bankruptcy. The last one is  dated XX/XX/2019. 

I did not respond to this most recent communication.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2019-07-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (TX)

I am a XXXX % XXXX XXXX Veteran, living on a fixed income. After completing my service time in XXXX, I have had to have numerous XXXX   that have deemed me unable to work. I have had this item that shows as XXXX with a balance reporting of {$2600.00} charged off, on my credit report. In XXXX of XXXX- I reached out to all and any creditors and made them of an upcoming XXXX on my shoulder, due to a XXXX injury in XXXX . I am quite positive that all credit accounts also included the fee of " XXXX insurance ''. However, when the time came- no one knew anything about anything to help me in a situation that I became XXXX from serving our country. I call the number and no one can give me any info and only points me towards " XXXX XXXX ''. This company is actually showing a balance over {$600.00} more. I got nothing telling me a charge off was being placed and the company will not verify anything for me, nor allow me to resolve the issue. I only want to validate a debt and try to find a way to settle it, so that my credit is not tarnished. I was unable to pay anything, waiting for my SS XXXX to kick in but this account would have been paid through XXXX protection on the account, as it was that exact circumstance. I dispute through the credit bureau and get nothing. I call and am told nothing. I just want a resolution and XXXX XXXX refuses to even look into me becoming XXXX and contacting XXXX.
Consumer complaint received 2019-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

ELDER ABUSE I submitted a request for recast to my existing loan. 
Despite numerous requests for confirmation the loan servicer today told me that the recast has not been processed. 

No explanation was provided Service representative stated, as has those I formerly spoke to, that the issue would be escalated to appropriate departments. 

Meanwhile, my loan payments remain identical to the amount which was based on my previous balance Please see attached
Consumer complaint received 2019-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

On XX/XX/XXXX of this year I initiated a balance transfer on a new HSBC credit card that I had acquired. One month later Chase hadn't received any check from HSBC, so I contacted them to resolve the issue. They urged me to wait a couple more weeks, which I did, but when my first payment was due and XXXX still had not received a check I contacted HSBC again to potentially cancel the balance transfer and revise my minimum payment which was due, since I was now carrying a balance of {$1900.00} on both credit cards. I called 4 times and each time I was told I would receive a call back from an HSBC agent within the week. I never did. Finally I approached an HSBC bank manager who claimed to have cancelled the check and had a new check sent out to XXXX. XXXX never received it. It was now the first week of XXXX, over two months since I had originally initiated the balance transfer, and HSBC had now filed a late payment charge on my credit report. I paid the minimum amount due to resolve any further issues and had them cancel the check and the balance transfer. Without my authorization they closed my account, and now both the late fee and the closing of the account have severely affected my credit score. When I inquired how I could dispute the late charge they told me to contact their " customer relations '' line. I left 4 voice  messages and never heard anything back. This is by far the worst experience I've ever had with a financial institution.
Consumer complaint received 2022-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-07-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

I am a Home Depot credit card user I do not get a paper bill only online email notifications of payment due I do have a balance which I noticed after viewing activity there is a fee called Balance Protection which I knew nothing about, when I called the number listed I was told I purchased the protection which I informed the agent I had not as it made no sense to pay for something I am able to make monthly payments on with out the need of balance protection, I requested a refund for the fees charged for something I did not need or purchased I was inform I would receive a refund. On a letter dated XX/XX/XXXX I was informed that since I purchased this on XX/XX/XXXX and my account was protected by the program benefits no refund due I canceled the protection prior to this letter. If I had known I had this protection I would certainly have used it while I was out on sick leave for 9 months in XXXX till XXXX but I made all my payments with out any help as I didnt know I had this protection. Im not sure how I was enrolled as I did not knowingly add more debt to a store credit card with a high interest rate as it is. Any help with this issue will be greatly appreciated thank you
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: National Credit Systems,Inc. (KY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX ( XXXX ) XXXX continues to report to XXXX  a debt that was settled thru divorce decree over 10 years ago. The property and all financial responsibility was ordered by the court to be my x-wives in the decree. I have submitted that to all credit reporting agencies and all but XXXX has removed it. This needs to be removed from my credit. Thank you for your help.
Consumer complaint received 2019-07-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GreenSky, LLC (TX)

I am a XXXX XXXX XXXX XXXX Veteran, living on a fixed income. After completing my service time in 2013, I have had to have numerous surgeries that have deemed me unable to work. I have had this item that shows as XXXX XXXX XXXX with a balance reporting of {$2700.00} charged off, on my credit report. In XXXX of 2016- I reached out to all and any creditors and made them of an upcoming XXXX on my shoulder, due to a XXXX XXXX in XXXX . I am quite positive that all credit accounts also included the fee of " XXXX insurance ''. However, when the time came- no one knew anything about anything to help me in a situation that I became XXXX from serving our country. I call the number and no one can help me or even point me in the right direction. I got nothing telling me a charge off was being placed and the company will not verify anything for me, nor allow me to resolve the issue. I only want to validate a debt and try to find a way to settle it, so that my credit is not tarnished. I was unable to pay anything, waiting for my SS XXXX to kick in but this account would have been protected through XXXX credit insurance included in the loan payment. I am unsure what XXXX even is for, as I have not been provided any info at all.
Consumer complaint received 2019-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

All three credit bureau refocus to take wrong infomation off my report i dont bank account with any of this bank listed and i dont own a car or leaseing a car and the mailing address are wrong. Thier are two possible people that have taken and use my infomation is XXXX XXXX XXXX XXXX or XXXX XXXX but. I belive that is done more by ex husband who is XXXX XXXX XXXX XXXX And i had a freeze on my report and know i cant get it back on. I never give these man permmssion to use my credit. I just want the wrong infomation removed from my report.
Consumer complaint received 2018-11-20
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. (CA)

I recently found identity theft onXX/XX/2018 using an internet monitoring service. All accounts listed in this report are fraud, Wrong Spelling my name, Wrong Addresses.