davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (OH)

I paid {$110.00} to  XXXX   XXXX   XXXX  in person when I closed my account and gave them back The equipment I was renting To receive the internet. They must have sold my information to another company because now Diversified consultant inc Is on my credit Report as of   XXXX   XXXX   XXXX     claiming that I ow e Them { $110.00}. Because of the false claim that I owe money, my  credit score w ent down. I do n't no who th is Company  is. I do n't owe them anything my last bill was paid with  XXXX   XXXX   XXXX .   Please help Me Thank You
Consumer complaint received 2022-02-17
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: PORTFOLIO RECOVERY ASSOCIATES INC (ID)

In XXXX, Portfolio Recovery Associates sued me for the balance owing ( {$7100.00} ) on a XXXX XXXX credit card. I represented myself in Idaho magistrate court where I denied owing them any money. 
Following a bench trial, judgment was entered in my favor. The court ruled I was not responsible for the debt and dismissed the case on the merits, with prejudice. 
Portfolio Recovery refuses to remove the debt entry from my credit report after disputing with the credit bureaus XXXX time XXXX, XXXX and XXXX. 
I want this debt removed from my credit report.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc. (IL)

Hello my name is XXXX XXXX XXXX  These addresses does not belong to me listed below can you please remove Im disputing now please understand you are now being put on notice that this addresses listed below are not mine The following address listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice.You have aided this fraud by not verfiying these addresses Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) 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 This is Correct information below please update First in last name only : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX IL XXXX There may be individuals with a name the same as or similar to mine. Creditors may Have entered My name incorrectly when requesting my credit report. 
Regardless, There are forms of my name and address that should not appear in my credit file. 
These Are the Incorrect addresses below please remove XXXX XXXX XXXX XXXX XXXX  Illinois XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX XXXX XXXX XXXX  IL XXXX
Consumer complaint received 2022-07-06
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. (CA)

My name is XXXX, and I have been a victim of identity theft. Someone has stolen and used my personal information to open an account with XXXX XXXX XXXX on XX/XX/2016. I don't know how this person got ahold of my personal information but I am sure I have never given anybody my personal information nor have I given anybody to open this account on my behalf. I have tried to fix this with the credit reporting agencies as they're the only people still reporting this account to me. I have verified with XXXX XXXX  XXXX and have a letter confirming that this account doesn't belong to me but Experian is still reporting it to me and will not block and delete this account of my report, even tho all my documents are valid as stated by a supervisor in whom has requested these documents.
Consumer complaint received 2019-06-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (OH)

This is in continuation to complaint XXXX which Quicken Loans has closed without providing a resolution. 
I have attached a document which is the estimate and it shows adjustment and credits of {$6800.00} and they never gave explanation of this amount. They said that the tax credits was {$5300.00} so if that is the amount then how come they gave me a document which shows {$1500.00} more credit and it can not be earnest money deposit as it is mentioned separately in both the documents. 

So now they are contradicting their own statement and they didn't answer any question what I asked. I never attached the document which shows {$5300.00} and I asked the explanation of {$6800.00} but they didn't mention it in their reply. So if the tax credit was {$5300.00} then that means they applied additional discounts in the initial estimate at least for the amount of {$1500.00} but they took it off when they saw that closing amount is less and I am asking for the same credit.
Consumer complaint received 2021-06-14
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: BARCLAYS BANK DELAWARE (CO)

The XXXX statement for my XXXX XXXX  Visa card shows a charge to XXXX  on XX/XX/XXXX for {$42.00} which I did not make. I PROMPTLY notified the card Issuer ( BARCLAYS ) that this was a mistaken or fraudulent charge. Barclays placed this transaction in dispute while they investigated. On XX/XX/2021 I received a letter from Barclays Investigation Department which I do not understand. They state that " their investigation is complete and research indicates that the account is valid ''. What does that mean? I never questioned the validity of any account. I only dispute that I made that charge. 

I do not know the status of this transaction, nor do I know how to find out. I have spent hours on the phone trying to get information. They CAN NOT be contacted. I have called every phone number I can find on the letter, on the card, on the statement and on-line, all without result. Very frustrating. Please help. 

Barclays cancelled the old account which ended with the numbers XXXX. They sent me a new card, account XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-03
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

15 USC 1681 Section 602 State I Have right to privacy.

15 USC 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-07-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (IL)

When I called my servicer and advised that my income was suffering due to covid 19. I was not offered a forbearance. All of the representatives I speak with are condescending and did not offer other options. I was told I received a one-month deferment ; I dont understand why I was not offered that when I was many months behind. The only option was a repayment plan which doubled my payments. 
Also, in XX/XX/2022 when she called in to make her repayment plan payment, her representative advised her she inadvertently removed the repayment plan and she had to start over with an initial payment of {$4500.00} vs the repayment amount of {$2300.00}. 
Why was I not offered a loan modification? They just tell me that its not an option but dont indicate a reason.
Consumer complaint received 2022-03-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

I contacted PennyMac on XXXX XXXX concerning my over payment on my escrow account for XXXX.I received a response from them dated XXXX XXXX trying to justify not paying the over payment. 
I'm asking you to investigate if PennyMac can legally overcharge me {$2300.00} and not pay me after all the taxes and insurance has been paid. 
I have never been late on a payment and have it set up on a automatic draft. 
Please hold these mortgages companies accountable.
Consumer complaint received 2019-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (TX)

I was unable to pay my US bank Home mortgage payment of XXXX online today ( XX/XX/2019 ), as I usually do every month. When I called the customer service number provided at XXXX, I was transferred to the online banking department who informed me that I would no longer be able to pay my mortgage payments online due to updated compliance regulations for borrowers that had a previous bankruptcy. I stated that the bankruptcy over 10 years ago and my mortgage was reaffirmed in the bankruptcy. Also we never missed a payment on our mortgage even during the bankruptcy. I further stated that I was NEVER notified in writing by US Bank Home Mortgage of this change in policy. The representative told me that I could pay a XXXX fee to pay through the automated phone system, or I could pay XXXX fee to have her process the payment. I asked for a supervisor who did eventually waive the fee to pay online, but I would like an answer as to why I was never notified in writing of this change in policy? I feel that this policy is a extremely discriminatory and bias especially since we NEVER missed a payment.
Consumer complaint received 2022-07-06
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. (SC)

The bank is not disputing my charge and this has been happenning for over 2 months now where we are getting different answers every time we contact the bank. 

This charge is from XX/XX/2021 where this company where we bought the product estimated a delivery of 7 months. Time has passed and we still dont have the delivery, they took our money and now they are not refunding us once we decided to cancel the order. The company must know the bank rules on disputes and they are scamming several customers with that. They wait until the time frame for disputes is reached and then they never refund our money. They keep stating on emails that the billing team is processing the refund but this has been happenning for almost 2 months now. Citi has been taking my dispite over the phone and ibe filed at least 10 tomes already. The last time they told me to mail everything in on the dispute since it was over a year old. I have never received the item and this company is about to go out of business and they are trying not to keep their word of allowing cancelation for ANY REASON until the item has shipped. The item has not shipped and it was originally due around XX/XX/2021. Then they delayed it a few months to keep us on the hook. Citibank is not protecting me as their customer and I used a credit card for this reason so i dont end up loosing my money. Citibank also had me on hold for XXXX minutes and then the lady came back claiming she couldnt hear me. Very convenient for her. I just asked to speak with a supervisor The Citi Bank has given us different answrs on the phone and now they are stating that they can not dispute a charge that is over 6 months.
Consumer complaint received 2016-03-24
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: M&T BANK CORPORATION (MD)

I bank with M & T and I told them several times that if my checking account does not have enough funds in it to pay for items or services, not to pay the bill or allow bill collectors to debit my card. I want to opt out for the bank to cover fees not in my bank.I signed a form for this at-lease three years ago. 

On XXXX/XXXX/2016 XXXX EFax services ( XXXX ) XXXX debit my card before my trial period is up without my authorization for XXXX and on XXXX/XXXX/2016 XXXX XXXX XXXX did the same thing in the amount of {$28.00}. I owe the companies money, but they debit my bank card. I normally pay for my services and items on line. 
My complaint is I do not want M & T bank to pay for items or services when the fee is not available. I want to stop creditors from billing my card without my permission. I spoke to the bank on several occasions about this and even signed a form. I want card protection to authorize withdrawal upon my approval.
Consumer complaint received 2021-06-14
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. (NY)

I AM IN THE PROCESS OF BUYING A HOME. I HAVE NOTICED ERRORS ON MY CREDIT PROFILE THAT COULD POSSIBLLY HURT MY SCORE. PLEASE REMOVE THESE ERRORS AS SOON AS POSSIBLE. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have been trying to access my Transunion account since XXXX, 2019 without any success. This is the error message I keep receiving : " Your TransUnion Credit Report Freeze status is currently : UNKNOWN '' I have followed all of the directions from multiple departments and still can not get any help to resolve this matter. I even checked with the Social Security Department to make sure my name was correct to rule out any possible errors associated with my SS #. Transunion Support Team also, keep claiming that there is an error code # XXXX ; which is a faxing code error and that there are now multiple files associated with my User ID. Even with deactivating and creating a new profile twice did not resolve the ongoing issues. I need someone in Technical Support who can research this matter so, that I can have access to my Online Transunion Account.
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capitol One is charging me {$25.00} for late payments on the same day the payment is due. on XX/XX/XXXX nd XX/XX/XXXX, I was charged {$25.00} for late payment. My due date is on the XXXX of each month. 

They also closed my account without any notice or any late payments.
Consumer complaint received 2017-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (NC)

I have attempted several times to find out what this collection is on my account. This is not my debt. It was opened in  XXXX  with  a south carolina address. I have been living in north carolina    since   XXXX   and i also checked on the address that is located on this bill and it does n't exist. my rights are being violated according to the fair credit reporting act. I have attached the copy they were suppose to send me verifying this debt. Its clearly not vaild. You can do the research yourself.
Consumer complaint received 2017-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (CA)

I applied at sears for a credit card as part of a purchase. I applied on site and provided my ID as part of the process. I was told my application was approved and I completed the sale, with the card to be sent to my home later. I received a bill for the transaction as anticipated, and attempted to pay the bill under my name XXXX XXXX XXXX in a payment from my XXXX XXXX personal account. The payment was initially created, and then rejected by XXXX XXXX as fraudulent based on BSA-AML guidelines as the account for the sears card at Citibank had been opened under XXXX XXXX XXXX. The XXXX XXXX  payment was denied by XXXX XXXX. I contacted sears and Citibank and was told this was their mistake on the card and it would be corrected. They called back and told me they would not change the name without my applying for a name change. Their actions have now created a ficticious name in my credit report under XXXX XXXX XXXX, which is not my name or tied to anything prior. This opens me to fraud under this name creating an undue risk. They refuse to change the name and threaten me at this time based on the payment ( XXXX XXXX ). They need to close the account under the wrong name, open a new account and provide notice to the credit bureaus to remove this ficticious name from my credit report. This will allow me to pay the bill through XXXX XXXX as prior attempted. They need to be corrected for the KYC and CIP violation in using a wrong name to open an account that does not match SSN or DOB for me.
Consumer complaint received 2016-12-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Revenue Recovery Corporation (PA)

A collections account has been posted to my XXXX credit report. I have no idea what it is for. I have never received a bill from the XXXX or the collection agency - no contact at all. How can they report it to the credit bureau with out contacting me first?
Consumer complaint received 2016-04-01
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (FL)

Experian : Unauthorized hard pulls = XXXX of XXXX, XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015 XXXX via XXXX XXXX multiple hard inquires to Experian - XXXX, see attached. This has harmed my credit and credit worthiness as well as my ability to move. I have XXXX sons that I am desperate to get out of this XXXX neighborhood. They say, " where was the mother '', well I 'm here and saying " why is XXXX hurting my ability to move '' and making unauthorized hard pulls?
Consumer complaint received 2022-07-06
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AE)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXXXXXX XX/XX/2018 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 C
OMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2021-06-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

XXXX, Equifax and XXXX  are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-03-10
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: CITIBANK, N.A. (HI)

To Whom It May Concern, My Citi bank card was charged, not by me 4 times in one day. I contacted the company and filed a fraud case.

I am now being told the issue is resolved however I am still receiving emails about payment due date alerts.

Before the fraudulent charges, the card had a {$0.00} balance.

I asked the company to send me a verification on the resolved fraud case.

I was told 2 email verifications have been sent to my email with details.

I haven't received any emails. I was told by customer service of the resolution which had occurred XX/XX/21. No one from Citi bank informed me. I continue to receive payment alerts. 

The protection on my account initially was weak and the fraud steps are also weak. 
I'd like to complain in the hope this doesn't happen again or to any other consumer. 

Thank you, XXXX XXXX XXXX