davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Atlanticus Services Corporation (GA)

We switched my security system from XXXX to XXXX back in 2021. My family and I decided to finance our security equipment through Fortiva. We were approved for a {$4000.00} line of credit. Our purchase was under {$2000.00} We were making payments to pay off our purchase. We decided to make a purchase the earlier part of XXXX and we were told that we were delinquent on our Fortiva store card. We had been making payments. I called and was told that the Fortiva line of credit that we were first approved for was rolled over onto a credit card with a {$1500.00} line of credit. We were also informed that a credit card was sent out. We never received a credit card and we never received written notification that this change was happening. We also were not allowed to say no. We were not interested in obtaining another credit card. The customer service rep assured me that a card was sent out and that she would make a note on my account. I paid the bill, all but {$12.00} that appeared on the account after I paid the amount that was due. I then called again and demanded proof to be provided that they sent communication about the change and proof of a signature or verbal agreement from myself or any other authorized user on the account and they would not provide any documentation. This is fraud. They should not have been able to close my line of credit and open a credit card in my name using my social security number and other identifying information without my permission. We did not sign up for a credit card and we are not interested in keeping the account open. I filed a complaint with the XXXX  and their response was a {$100.00} credit. Claimed that we mentioned extenuating circumstances. That was a lie. There have been no extenuating circumstances in our household by the grace of XXXX. We don't want a credit from them. We want the wrong to be made right. Restore our original line of credit and close out this account. And make sure that the credit bureaus are aware of their mistake. We have done nothing wrong.
Consumer complaint received 2023-06-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MN)

I secured a mortgage through XXXXXXXX XXXX by my first mortgage payment they had sold my mortgage to Pennymac. First payment due date was XX/XX/XXXX. On XX/XX/XXXX I received a NOTICE OF XXXX XXXX UNPAID PROPERTY TAX FOR 2023. The overdue tax was due XX/XX/XXXX and has incurred {$180.00} in overdue fees. I spoke with Pennymac last week and they said it could take up to 14 days for the m to investigate. I also spoke with XXXX county and if the tax is not paid by XX/XX/XXXX, another overdue fee will be incurred. 

Today I received a letter from Pennymac titled " Request for W-9 IMPORTANT TAX NOTICE ACTION REQUIRED by XX/XX/2023 Backup Withholding Warning! '' I don't understand why, with money in escrow for property taxes, they did not pay the tax bill and are now sending threatening letters.
Consumer complaint received 2022-01-25
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. (LA)

The following account XXXX was charged off as of XXXX, 2019. Since then the account has repeatedly been updated as charged off every month to the three main credit beauers. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations.
Consumer complaint received 2022-01-25
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. (PA)

I am writing to delete the following information on my file. The items I need deleted are listed in the report. 
I am a victim of identity theft & did not make these charges. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission & I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TN)

Citibank failed to honor my payment order and remittance transfer for the payment of this debt. Citi failed to credit my account and closed my account which is a violation of Truth and Lending.
Consumer complaint received 2023-06-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MN)

XXXX had received several complaints they resubmitted a complaint filed XX/XX/XXXX, and resubmitted the complaint XX/XX/XXXX on their own without me asking so they could get an additional 30 days. XXXX continues to keep bankruptcy on my report when I have a letter from the court saying they do not send information to the credit reporting agencies, also XXXX states they also have removed the bankruptcy from my report. Instead of removing it and credit blocking, they keep it on when these were the result of identity theft. I sent the federal trade commission letter with my state ID, and a police report they still don't care. I'm currently trying to purchase a house and they continue to leave invalid information on my report. They do not want to help me every agent hangs up on me including agent XXXX, XXXX, XXXX. I have been locked out of thier website for the past 2 weeks I belive this is on purpose it says to give agent code XXXX  none of the agents know what this is about one agent says its for my ID but they have my ID on file as I sent it in the mail around the end of XXXX which has been confirmed by all agents.
Consumer complaint received 2022-01-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX I was charged {$99.00} on my Bank of America credit card due to an alleged scam by XXXX. I was trying to get a refund of {$11.00} and change for something I paid for via XXXX. I wasnt aware that theyd charge me {$99.00} for such a service. When I googled how to get a refund from XXXX, a website called XXXX popped up. When I explained this apparent fraud ( and/or billing dispute ) to BoA, they credited my account and issued a new credit card number. They transferred the {$99.00} charge back to my new credit card after denying that it was fraud. Ive been going back and forth with them for three and a half months and still have no resolution. They credited my account, retracted it ; then credited my account again and retracted it on XX/XX/XXXX. Ive been to the local branch in XXXX, NJ and Ive spoken with three different managers. I was in the office of XXXX XXXX for an hour while he was on hold with Fraud Claims. I then followed up with two other managers ( XXXX, over the phone ) and was told my credit of {$99.00} was pending. This was the beginning of XXXX, XXXX. I went into the branch and spoke to the Branch Manager and was again told my credit was pending. The next day I received a letter from BoA, dated XX/XX/XXXX, saying my credit was retracted. Ive been on the phone with Fraudulent Claims and Billing Disputes for months. It seems every time I get a different story. I feel Ive been grossly mistreated. They are unprofessional and rude and incompetent. Every time I called Claims, I waited on hold for at least a half hour. My fianc had paid off my three credit cards with BoA, on time, with thousands of dollars. I feel this financial institution shouldve backed me up with this scam. Everyone at the branch seemed disinterested. When I sent a formal complaint to BoA in an email, XXXX called me on Wednesday, XX/XX/XXXX. He was very surly and told me I should contact XXXX. He gave me the telephone number. I spoke, that evening, to XXXX and she informed me that since BoA opened a claim for this on XX/XX/XXXX, her hands were tied and she couldnt refund my {$99.00}. I spoke to a supervisor at BoA on XX/XX/XXXX, named XXXX. He said there was nothing he could do for me. Now Im writing to you, with my formal complaint. Thank you for your time.
Consumer complaint received 2018-12-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ATHAS CAPITAL GROUP, INC. (TX)

I had a mortgage with XXXX  XXXX XXXX. XXXX  XXXX XXXX transferred the title of the house to XXXX XXXX XXXX and I bought the house free and clear from XXXX XXXX. I used a hard money lender named Athas Capital and I borrowed {$130000.00} and purchased the home. Somewhere along the lines fraud came into play. XXXX XXXX XXXX says they never transferred the title to XXXX XXXX and that they still own the house. Meanwhile, I closed on the house with XXXX XXXX XXXX and Athas Capital and they say they own the house. Meanwhile, I have two banks saying they own the house and if I don't pay them, they are going to foreclose on the house. Now I am stuck paying 2 mortgages over $ 3000+ for a {$130000.00} house and I can't afford it. I have been asking both mortgage companies to figure out who owns the house but they both won't. I have been paying 2 mortgages now for almost a year and its really crushing me financially. Both of these mortgage companies have title insurance and one of them needs to exercise it and recoup their loss.I need your help to make them settle this.
Consumer complaint received 2022-10-07
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. (DC)

My name is 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 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I'm no expert or anything but I know for sure that the three bureaus most report 100 % accurate information to a credit report, I took a look at my credit report not to long ago and there's nothing but INCORRECT items on my credit report that doesn't even belong to me. So not only is the information inaccurate across all bureaus but the items don't even belong to me. I've disputed multiple times and the bureaus aren't taking it serious, they're continuing to report incorrect items on my credit report, I will be attaching these inaccuracies to this complaint. It's honestly ridiculous. Remove ALL of these incorrect information so I can move on with my life. You are defaming me and I feel like I'm being toyed with. I also refuse to dispute directly through any of the bureaus because they clearly will not fix the problem. I'm just sick of this all together. Literally all you guys do is defame consumers for a living.
Consumer complaint received 2021-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (AR)

CSC Collections placed a collection on my credit report for {$270.00}. This amount was paid in full to XXXX XXXX company on XX/XX/2021 when I got a new policy with them. YThis had to be paid first before new policy could be done.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I need you to investigate the following accounts you claim to be accurate on my credit file XXXX Miscellaneous Reptg. XXXX XX/XX/XXXX Equifax XXXX Personal Loans Companies XX/XX/XXXX Equifax XXXX All Banks XX/XX/XXXX Equifax Please show me detail documentation including an application signed by me otherwise delete this unverifiable inquiry from my credit file. 

After you finish my request, send me an updated report Thank you, 15 U.S.C 1681G Law violation
Consumer complaint received 2016-08-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (HI)

XXXX XXXX 2016 -- XXXX YOUR COMPANY ( ANNUAL CREDIT REPORT ) PRACTICES FRAUD eg. Equifax GAVE NO FREE REPORT ; must call or send info. XXXX GAVE NO FREE REPORT ; must call or send info. and XXXX GAVE NO FREE REPORT. IN FACT CHARGES XXXX AND CHARGES MORE IF THE SERVICE THEY GIVE IS NOT CANCELLED. YET THEY DID NOT ACCEPT MY CHARGE CARD.
Consumer complaint received 2023-06-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (MI)

XXXX XXXX XXXX XXXX XXXX bought a debt from Discover Bank on a credit card. Sent illegal letters threatening litigation, and refused to follow federal guidelines outlined in the FCRA to validate the debt. The last request to validate the debt was sent in XXXX of XXXX, the first requests were sent to Discover in XXXX. Neither party validated the debt under the guidelines of the FCRA and are in direct violation of Federal law. 

The debt collector also violated the contract agreement with Discover and is attempting to use the legal system as a scare tactic even when the contract with Discover states neither party can use the court system. 

Discover claims charges were reversed, bank statements with XXXX XXXX XXXX ( the bank used to make the payments ) show the payments, totaling over XXXX XXXX USD did clear to Discover. Neither party has followed written or verbal requests to validate the debt and both refuse to follow Federal laws and regulations or even state laws.
Consumer complaint received 2022-01-25
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (PA)

ALLY FINANCIAL You've committed " FRAUD '' It has been brought to my attention 15 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!
Consumer complaint received 2022-01-25
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: JPMORGAN CHASE & CO. (WI)

Have spoken to XXXX numerous times about accounts showing on my report that do not belong to me. Spoke to a rep XX/XX/XXXX regarding the inaccurate info and referred to call the bank that holds the account directly. I have called JPCMB ( Chase Bank ) and they do not show any individual accounts with my social security number and are unable to assist me. I then spoke to a rep again XX/XX/XXXX and accounts were being investigated and still remain on my credit report. Today XX/XX/XXXX the accounts are still showing on my credit report and are not linked to my social security number as previously stated and spoke to rep XXXX and he said it is under investigation again to wait 30 days. Again no resolve.
Consumer complaint received 2022-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

On XX/XX/XXXX I took a look a my XXXX report and found some inaccurate items on my credit report. A collection for XXXX was listed on my credit report that I am not responsible for. The orginal issues was XXXX XXXX. I am a victim of idenity theft. Below is a copy of the information. 

Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$62.00} {$62.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your XXXX XXXX XXXX 
Payment Info Original balance {$62.00} Balance {$62.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments- Your statements- Contact XXXX XXXX XXXX XXXX, MAXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online
Consumer complaint received 2021-03-09
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: Aargon Agency, Inc. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2017-08-23
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Back in XX/XX/XXXX USAA switched me from a XXXX to XXXX card. However, their payment system still showed the defunct XXXX with a XXXX balance. I accidentally paid the XXXX {$2000.00} and their system accepted it - even though there was NO balance on it. I paid off the proper accounts and USAA refunded the {$2000.00}. But, a negative {$2000.00} appeared on the defunct XXXX when it should show XXXX - and why is the card they shut down still being shown on their payment system is beyond me. Service rep made up some story about " banks hitting the card ''. The {$2000.00} was removed from the XXXX and is now on the XXXX  card with fees and interest. No description as to what it is or where it came from.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX has refused to create inaccuracies on my credit report and will not supply the information I have been requesting to validate the acocunt. They are showing old account information that has aged off of my report as still valid and negative. They refuse to follow up by supplying me the information requested 6 times in the past 12 months. I have even attempted using an outside company to validate with them and they refuse to coomunicate.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-06-28
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. (VA)

Called XXXX XXXX to report fraudulent activity on XX/XX/2023 from XXXX. The lady then closed secured credit card- after I asked her not too. Opened myself a new credit card account and I believe this is why my credit score dropped XXXX points. She told me over the phone she was closing and reopening a credit account for myself.
Consumer complaint received 2022-01-25
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. (NY)

I, XXXX XXXX, am of sound mind and body and is submitting this complaint on my own with no third party involved. 


Article 1, section 1 of The US Constitution granted Congress and the legislative branch the authority to create laws that protects the rights of the people granted by the Constitution. When these laws are broken, this is an infringement on such rights. Transunion has infringe on my following rights guaranteed under and/or supported by the US Constitution : Fair Credit Reporting Act- Congress enacted this law ensure fair and accurate credit reporting. Congress states inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I would have to agree because Transunion has undermines my confidence in the banking with your unfair and inaccurate reporting on my consumer report. In addition, Congress states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been gravely violated by Transunion. Furthermore, under 1681b ( a ) -2 of this law, a consumer reporting can furnish a consumer report with the written instructions of the consumer. I have instructed Transunion on numerous occasions to make changes to my consumer report. I am now aware Transunion is not only breaking the law but your actions are unconstitutional. I am hereby instructing Transunion to make the following changes on my consumer report immediately : Delete the following accounts : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX  XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX Delete the following inquiries : XXXX. XXXX XXXXXXXX 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. XXXX XXXX XXXX XXXX. XXXX XXXX Delete the following addresses : XXXX. XXXX XXXX XXXX XXXX, NY XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX XXXX Experians full compliance of the law is expected in the matter, XXXX XXXX