davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-18
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. (OH)

I have an account showing on my credit report that I never owed a debt to adn it was never in collections from SOC SEC ADMIN OFFICE XXXX. I need this error corrected at once. I am in the middle of closing on a new business contract for my XXXX XXXX company and this inaccurate account item is stoping my from doing business.
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (KS)

According to XXXX, my personal data was part of the security breach. Therefore, they have not been charging me for my security freeze, approximately {$5.00}. 

But I've needed to pay it with XXXX and Experian even though I am an identity theft victim with XXXX. The millions of Americans affected by this data breach shouldn't have to go to their local police department to file a report when XXXX and Experian can easily go to XXXX  's website to enter the customer 's last name and the last six digits of the social security number to verify the person was affected. There is nothing the local police can do about it. 

I am asking that XXXX and Experian place credit freezes on my credit bureau at no charge and that they refund the fees they have collected since the security breach occured.
Consumer complaint received 2021-10-18
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. (AR)

On XX/XX/2021 I purchased two sample-size skin products from one website. There was no mention on this site of a subscription. The next month I saw a subscription charge for these two products on my Citi card ( ending in XXXX ). I immediately notified Citi and had the card cancelled. I then disputed the charge with them and after your intervention, they finally gave me a " conditional '' credit. The two charges were : - XXXX XXXX XXXX XXXX {$87.00} - XXXX XXXX XXXX XXXX {$89.00} There were two separate websites associated with these charges, although neither one was familiar to me. I went to one site and bought samples of both products. The website I went to didn't have any mention of a subscription, though the two websites listed both mentioned the subscription quite clearly. 

Citi has since taken the credit back and said it was my problem. I have never received any product for my money and the phone number listed for the companies don't work. Citi is complicit in this fraud.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

I have requested pre-approval letter for my mortgage. I have permitted my lender to run credit inquiry for that and he ( XXXX XXXX ) ran credit one time on XX/XX/2021 ( XXXX XXXX ). But on my report one more inquiry shown on XX/XX/2021 which I did not authorized and it was failed somehow. So, I tried to contact all three bureau XXXX, Equifax and XXXX. I only got response from Equifax but I am not satisfied with their answer. However, I did not get response from other two reporting agency and its hard to reach them and also they don't provide service online as Equifax provide. So, my ultimate goal is to remove unnecessary wrong inquiry from XX/XX/2021 and keep from XX/XX/2021 which is valid. 
My other half ( my co-borrower ) and I requested pre-approval letter same time and we both faced same issue. XXXX removed inquiry from his report and waiting for other two to remove from report. So, I tried to reach directly to them to resolve issue without complaining on this platform. But it was really really tough to reach them over the call.
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (VA)

Around XXXX I ordered some pants off XXXX paid expedited shipping it was never received but it says delivered at the time it was delivered I was in XXXX Arizona and have proof I can show flight tickets! When I got back I had no package so I contact chime and file a dispute and now they saying its valid! Its not right if I never received the product I paid for this is the second time they do this!
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SunTx Capital Partners (IL)

Freedom Truck Finance ( XX/XX/XXXX ) and XXXX XXXX XXXX ( XX/XX/XXXX ) ran my credit without me knowing.
Consumer complaint received 2023-04-10
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. (TX)

I just recently reviewed my profile and Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-01-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: PENTAGON FEDERAL CREDIT UNION (FL)

To Whom it may concern, I received a letter from Penfed stating that they will be changing me interest rate from 3.99 % as agreed upon in the contract to 14 % which I don't see in the truth in lending disclosure document that was signed. There changing the payments from {$770.00} to {$980.00}. Which is an {$11000.00} increase in finance charges to the life of the remaining 5 year loan. Mind you none of this stated on the truth in lending disclosure statement. There claim to this abusive charge is that I failed provide a title for the collateral. In Florida the title is electronic as stated on the Application for Vehicle Certificate of Title. Which was included in the paper work sent to Penfed. Upon the purchase on the registration of the vehicle I had Penfed Credit Union as the Lean holder which is stated on the Application for Vehicle Certification. I don't feel this fair nor even legal. I have attached all the paperwork that has been referenced. You may also contact the State of Florida to verify what is on the title. Penfed is acting in bad faith by attempting to add {$11000.00} in financing charges for something that they do already have as collateral as stated by the State of Florida. I look forward in your help to this matter. 

Best Regards, XXXX XXXX
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CO)

Money was illegally withdrawn using stolen debit card information from my Wells Fargo checking account debit card. Wells Fargo has refused to reimburse me for the stolen money for just over {$19000.00}. They have told me that no fault was found in their investigation with the stolen funds and I will not be reimbursed. Furthermore, they have refused to release any details of the investigation they claim to have performed.
Consumer complaint received 2023-06-12
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (SC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2019-01-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

Around in XX/XX/XXXX and XX/XX/2018. I called in regards to lower my monthly payments. I submitted my pay stub from XXXX XXXX and I made {$12000.00} this year. After I applied for the income driven repayment plan, they decieved me and said that i could qualify for $ XXXX/month for a year. They lowered my monthly bill but only to the point that it calculates out that i made {$22000.00} that year. I did not make {$22000.00} .... i made {$12000.00} as stated in the pay stub. This is unfair and it should be based on my real salary. Please help me fix this.
Consumer complaint received 2018-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (WI)

On Friday XX/XX/XXXX, my payroll department issued me a paper check rather than depositing it into my checking account. I did not know this until Saturday, XX/XX/XXXX. At this point, I had overdrawn my account. I called the bank. I was assured that, as they have an overdraft rewind program, I would be fine as long as a deposit was made before XXXX XXXX the following business day. That is today, XX/XX/XXXX. 

I made a deposit Sunday morning via ATM to cover the overdraft and a transaction that was outstanding by had not posted. 

In the meantime, Ive been assessed {$70.00} in overdraft fee. Theyve posted the transaction that wasnt showing as of yesterday on FRIDAY. None of these transactions posted before the close of business on Friday. And now Im holding my breath to see how many Ill be assessed. 

As I get paid weekly and am a single mother, this could very well translate into not being able to afford groceries this coming week. 

I have called Wells Fargo. I have emailed. The best they can do is {$8.00} and some change. I have requested a supervisor. Ive requested his supervisor. Ive currentl been holding for 30 minutes on what was a 3 minute wait.
Consumer complaint received 2019-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (FL)

i obtained my credit report and seen inaccurate information with a company i had no dealings with. upon my further investigation this company claims i owe money to them for services i have no knowledge of. this company refuses to furnish me anything validating and verifying that this debt belongs to me. this is hurting my credit rating and my livelihood and ability to provide for me and my family. my XXXX kids and myself.
Consumer complaint received 2020-02-08
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. (IL)

hello, XXXX  & equifax is refusing to re investigate an inaccurate item on my credit file.i have asked for the contract from the original creditor, they are unable to provide me this information.
Consumer complaint received 2023-06-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Unifin Inc. (CA)

This debit was a fraud and was taken off due to it back in XXXX as this does not even match my name. This debit is also aged out, showing from XXXX, and violates the fair credit act of fraud and aged debt. They are also texting me, which I have never agreed to. Please remove all postings and cease contact with me.
Consumer complaint received 2018-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE (GA)

I have a loan with PRIMARY RESIDENTIAL MORTGA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and PRIMARY RESIDENTIAL MORTGA with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX XXXX
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (NY)

Contacted Barclays on XX/XX/24 requesting to close the account. Was instructed to send another email requesting to close the account. " If you would like to close your account, you can request in Secure Message Message Center. Please respond with the last four digits of your account with space like XXXX XXXX XXXX XXXX that you wish to close. '' Contacted Barclays again on XX/XX/24, with the requested information. Was told that they can not close it online. Contacted them again on XX/XX/24, requesting to close it again, with no response. 

Was given clear instructions to close the account, but they refuse.
Consumer complaint received 2018-06-19
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. (IN)

On XX/XX/18 I sent out a certified letter to XXXX XXXX XXXX a collection agency who purchased my account with XXXX XXXX XXXX XXXX to dispute the account on my credit file. XXXX XXXX XXXX recieved and signed for the letter on XX/XX/18 XXXX XXXX XXXX failed to respond to my letter. So I sent out a certified letter to Transunion XX/XX/18 proving I tried to dispute the account Transunion received and signed for the letter XX/XX/18. TransUnion did their investigation and updated : data updates, data closed, and the remarks state : disp invg comp-report by grntr ; >unpaid balance charged off<. This has caused my credit to drop 19 pts because of wrong updating nor did they provide me proof of how the account was verified when the letter I sent specifically asked then to provide with proof as to who they spoke with and how they verified the account as accurate. XXXX XXXX XXXX is no longer on my report but XXXX  XXXX is when XXXX XXXX XXXX bought the account. How is XXXX XXXX still reporting on my credit file as an active charged off account? This erroneous reporting has not only caused my credit rating to drop, but XXXX XXXX XXXX is still calling me asking me to set up payment arrangements.
Consumer complaint received 2021-10-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (NV)

hello well my experince with my mortgage XXXX  c/o phh mortgage has been traumatize .i have ask XXXX  for refinance and take money out from my equity so we starded this proces on XXXX and sent and appraisal pretty much all the compamy police requeste and we did all they ask sent via email and fedex .well they have lied to me and to my loand person XXXX  .there responce has been always that they never receive nothing or got lost there excuse has been lost never receive we have try pretty much everything. am so stress out tired off them. its now XXXX XX/XX/21 and every time me or XXXX  agent calls them is ur case payoff is in review well my health is not well off all this procese with my phh mortgage i ask for help please tell me how to get them to relice my payoff so wellsfargo can finish this proces.
Consumer complaint received 2023-08-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC (TN)

I would like to clarify that I did not receive a loan, but was approved for a loan. After reviewing the terms, I called to cancel and withdraw my loan application. I was called repeatedly by XXXX XXXX as well as her Supervisor, XXXX demanding I explain to them why I was not interested. I repeatedly requested that my application be canceled. I do not have to provide a reason for doing so. 

The pressure sales tactics of this company are criminal. Once an applicant calls and identifies that they no longer wish to proceed that should be the end of the conversation. 

Please investigate the aggressive sales tactics of this loan company.
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MN)

I recently obtained a copy of my credit report and found the item to be in error. I want to dispute the following inaccurate information that appears on my XXXX Annual credit report. The error which prompted this credit report dispute includes late payments on XXXX, XXXX, XXXX, SYNCB/JC PENNEYS. I am kindly requesting SYNCB/JC PENNEYS to remove this late payments from my credit reports. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX and several other creditors is reporting inaccurately information on my Experian credit profile however Experian has refuse to remove the account. I have filed an Identity Theft Report with a police report but the following accounts is still reporting on my credit profile fraudulently. 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
Consumer complaint received 2019-06-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I opened a credit card with XXXX  XXXX with a special 1 year interest rate. I paid the balance off before the specified time period and the card had a XXXX balance. A year ago I charged more items on the card and once again paid. 6 months ago I charged several hundred dollars and paid again. I paid the card off last month and after the card was paid the company added XXXX in finance charges. The card was set to pay off the balance the company went back and added finance charges onto a balance that paid off and from normal use of the card.
Consumer complaint received 2019-06-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CT)

I had disputed transactions from XXXX to my bank on XX/XX/2019 for charges made from XX/XX/XXXXto XX/XX/XXXX. I was told that I may not receive money back for the really old transactions but would be credited immediately for the most recent/60 days transactions. I was only credited for the older transactions. I called and they told me that they credit the older transactions first, then the newer ones in a few months. So it's a few months later and I notice they closed my dispute out and haven't credited me for any of the more recent transactions, equaling approximately {$750.00}. In which I'm sure they had declined/rejected payment to XXXX XXXX  for this. I called again and they stated I'm pretty much screwed out of that money because the initial charge was made back in XX/XX/XXXXor XX/XX/XXXX.
Consumer complaint received 2023-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (NV)

XX/XX/2023 To whom it may concern : CCS Collections/Progressive Insurance ( account # XXXX ) is still reporting this item on all three Credit Reporting Bureaus ( XXXX XXXX XXXX and XXXX ) as a collection against me when in fact, CCS Collections is NOT who I paid when I closed my account from Progressive Insurance and went back to XXXX! ! I was not informed of this debt nor when it was assigned. CCS Collections had NEVER sent me a notice to pay BEFORE it was placed on my personal credit report file ( Please notice the dates of delinquency, my last payment date of {$100.00}, status date, and the assigned dates!!! All discrepancies and should not listed on my credit profile at all!!! 

I PAID MY FINAL BILL DIRECTLY TO PROGRESSIVE INSURANCE COMPANY, ( NOT THIS CCS COLLECTIONS ) SOON AFTER I LEFT THEM AND WENT BACK TO XXXX!!! 

* XXXX agent informed me today, any collection companies are supposed to send the consumer a letter and notice to give us a chance to pay the collections, and are NOT supposed to be reported until a year of 12 months goes by BEFORE that collection agencys item is placed on our personal credit reports! 

Progressive Insurance was to REMOVE that account from their records. And off my credit profile!!! This is NOT a collectible debt its a " credit discrepancy '' that CCS Collections added to my credit file without my knowledge and is supposed to DELETE AND REMOVE THE ENTIRE COLLECTION ITEM OFF OF MY CREDIT REPORT!! I I addressing this matter to their CCS Collections office located at XXXX XXXX XXXX, XXXX, MA XXXX XXXXXXXX today on XX/XX/2023 to send correspondence that was supposed to be forwarded to all the credit reporting agencies to be DELETED, TAKEN OFF AND REMOVED ENTIRELY off my credit report! 

Its still showing active as of today, XX/XX/2023 ... This should have never been reported to their company in the first place and I want it to be removed IMMEDIATELY!!!
Consumer complaint received 2023-09-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (GA)

XX/XX/XXXX XXXX I called in spoke to XXXX and made a payment of XXXX and XXXX in order to become current I was told at that time I was current for past due payment while in forbearance and that all was owed at that time XXXX but that was to include the payment for the month of XXXX being my forbearance didn't end til the XXXX of XXXX and that she would call me back for the XXXX payment I said ok. 

I then made another payment XXXX on XXXX the XXXX 2023 through XXXX id # XXXX who stated that I would be brought current and would not owe any money until XX/XX/XXXX Every day since making these payments I have been called and told I owe different amounts ranging from XXXX one day then the next I owe XXXX then now I owe XXXX but I shouldn't owe anything.