davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-06
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. (TX)

I had a car loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX The loan was opened in XX/XX/XXXX and the car was repoed in XX/XX/XXXX since then they still have the account as open and late payments reported on my credit every month for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand now XX/XX/XXXXI have called them and asked them to close the account and take the late payments off from the time they took the vehicle back. I have disputed on credit report but the come back saying the information is accurate but it is not.
Consumer complaint received 2017-09-14
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. (IA)

XXXX was grossly negligent in the handling of their consumer data resulting in the leak of my personal information. In order to protect my wife and myself we will need to pay {$60.00} total to freeze our credit reports. In the next two years we plan on finding a place to rent then buying a house. This will cost us {$120.00} a time to thaw then refreeze our credit reports ( not to mention any other new bank account/insurance/or loan ) just so we have the illusion of financial safety. I do not believe that any of the credit bureaus should be able to profit from being grossly negligent.
Consumer complaint received 2023-02-08
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. (CA)

I sent a letter on XX/XX/XXXX to remove the items that are UNKOWN to me. 
Here are the items that needed to be investigated : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-30
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A. (CA)

In XX/XX/2020, I opened a Priority checking account number XXXX. The promotion was to keep the account open for 60 days with XXXX minimum and I will get {$700.00} bonus on XX/XX/2020. On XX/XX/2020, my account number was compromised, so I had Citi to replace my old account number with a new one XXXX. They then canceled the {$700.00} bonus saying my old checking account had been closed!?! 

Because there was no more incentives to keep the savings, I had them close the savings account number XXXX. I left {$25.00} in there to prevent any kind of overdraft. The next day, Citi charged me {$25.00} in bank fees ( even though when I opened the account I was told there was no fee ). Then they charged me {$38.00} in overdraft because I was short XXXX. This is ILLEGAL. 

Please assist.
Consumer complaint received 2015-12-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: EOS Holdings, Inc. (OH)

I have received letters and marks on my credit report for several account in the office of EOS CCA # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , MA XXXX I have requested a proof of claim and validation before any legal actions can be taken. I never received a response back it has been over 30 days
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/XXXX I had a payment of {$5600.00} due but only paid {$3000.00} - the next day ( XX/XX/XXXX ) I paid the remaining balance of {$2600.00} and was charged {$43.00} in interest. The subsequent month ( XX/XX/XXXX ) I was again charged {$29.00} for additional interest on the previous late payment despite my balance being paid in full.
Consumer complaint received 2021-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have reviewed my credit report and reached out to each credit bureau ( Trans Union ) ( XXXX ) to be provided no assistance with my issue. I do not and continue not to recognize inquiries on my credit report as I previously explained to the representatives on at least 8 occasions.
Consumer complaint received 2023-07-26
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-09-17
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. (FL)

id theft victim. i have been fighting for years to keep these bad accounts off my reports. these are the accounts as follows. i have also attached a id theft report XXXX XXXX  / XXXX XXXX XXXX XXXX not my account XXXX XXXX XXXX XXXX not my account Public record bankruptcy is not my account
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — Store credit 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. (TX)

In XX/XX/2022 I discovered a {$520.00} charge on Best Buy account. I disputed charge so they sent a new card and removed charge. On XX/XX/2022, charge was put back on account because they said investigation proved I was responsible for buying an XXXX from XXXX. I disputed {$520.00} again with a certified packet which included a letter from me, a police report, and a letter from my legal team, Of Counsel, XXXX XXXX with XXXX XXXX XXXX XXXX of XXXX XXXX Texas. In this packet, I asked them to send information proving I gave permission for another party to use my Best Buy credit card. I have not gotten a written response yet. I called them XX/XX/2022 to follow up. They say just had received my letter and they will get back with me. I wrote another letter on XXXX and no response. Charge is still on my bill. I need help to have removed because I did not make this purchase of {$520.00}.
Consumer complaint received 2019-02-19
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. (MO)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on several loans with the XXXX XXXX XXXX that have a {$0.00} balance and a {$0.00} past due. This is harming my credit and it is obviously impossible to be past due on something that does not have a balance. I am going to list the partial account numbers for the XXXX XXXX XXXX/XXXX  as well as attach a copy of my credit report. 

XXXX/XXXX  : Account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX.
Consumer complaint received 2021-06-30
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: ECMC GROUP, INC. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2018-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NC)

On XX/XX/2018, I was notified by my homeowners insurance company, XXXX XXXX, that my mortgage servicer, Roundpoint Mortgage, had not paid my homeowners insurance premium the year from my escrow account, and that my homeowners policy would lapse and cancel on XX/XX/2018 if not paid. 

I contacted Roundpoint on XX/XX/XXXX, and after attempting to find my account, initiated an immediate wire for the premium amount to XXXX XXXX. 

On XX/XX/XXXX, I received a letter from Roundpoint Mortgage that my insurance premium had been paid and the payment was confirmed. 

On XX/XX/XXXX, XXXX XXXX calls again to inform me that they still have not received payment from Roundpoint. 

Also on XX/XX/XXXX, I contacted Roundpoint to determine where the error was in the payment. After repeated calls over the next 48 hours, Roundpoint has been unable to verify who they sent the wired money to or if it was actually received. They are unable to transfer me to anyone knowledgeable of the escrow process or to the person who performed the wire transfer or has access to the level of information needed to provide confirmation. 

I am now 24 hours away from having my homeowners insurance lapse and cancel, and Roundpoint has yet to call me back, find resolution, or cooperate with both my and XXXX XXXX 's requests for documentation.
Consumer complaint received 2022-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CO)

-I applied for an American Express Gold XXXX on XX/XX/2021. 

-American express sent me an adverse action notice via email on XX/XX/2021. 

-I called the application line on XX/XX/2021 for reconsideration and was told by a supervisor I would receive a call back. 

-No one ever called me back. 

I sent an offer rejected notice in response to the adverse action notice on XX/XX/XXXX which American Express received it on XX/XX/2021 Giving American Express an opportunity to cure as well as notifying American Express of default for the servicing of the credit application. 

-After that the application status changed from " Denied '' to " Processing '' - Called the reconsideration line again on XX/XX/XXXX to only be told AGAIN that they're sticking with their original decision. 

- XX/XX/XXXX I sent a FINAL counter offer via fax to American Express Bank explaining in grave detail how my application was a financial asset as well as self liquidating paper and to serve notice for my application to be accepted for its intended purpose within Three ( 3 ) business days of the receipt of this notice.

- Also to notify American Express that an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

I have had several overdraft fees accumulated over the last XXXX  years of using Wells Fargo banking. I have notified them several times when there was money in my account and they have refused to fix it.
Consumer complaint received 2021-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TN)

I received a letter from a debt collector regarding a debt that is not mine. I am a victim of identity theft. The debt collector is National Credit Systems , INC and the original creditor is XXXX XXXXXXXX XXXX / XXXX. I have never lived at, applied or done any business with this apartment complex. I have lived at my address for years, I still live there and have no intention of moving. This debt is not mine.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Equifax and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. Equifax and XXXX should not be reporting that I am ( 90 ) days late on the XXXX partial account number XXXX ; Equifax and XXXX  should not be reporting that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX ; Equifax should not be reporting that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX ; and lastly XXXX should not be reporting that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. Every one of these accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.
Consumer complaint received 2018-07-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (PA)

XXXX XXXX has taken over 4 of my loans and I have been making monthly payments since XX/XX/XXXX. My payments started out at {$220.00} and now they have doubled and just increased again. This is outrageous as a single mother living/working in one of the most expensive areas in the United States. I am suppose to be on the 120 payment plan meaning that I have 87 more payments to make and my loans should be paid off, but 3 of my loans are showing that I still have 97 more payments. So the XXXX XXXX is taking 10 extra payments from me with no prior acknowledgment? This is outrageous especially for a person who has consistently paid them each and every month since XX/XX/XXXX even at their outrageous repayment options that make it difficult to afford day to day expenses. My 4th loan they have is also my largest loan amount with the highest interest rate. This loan started at {$20000.00} and is now at {$21000.00}. I feel like they have purposely taken my payments and applied them to the loans with the lesser interest, thereby causing my 4th loan to increase and forcing me to owe more money.

The XXXX  was contacted on XX/XX/XXXX and they corresponded with XXXX XXXX on my behalf. XXXX XXXX only responded that a formal response will be sent because a Consumer Relationship Analyst Team is diligently researching this issue and the XXXX complaint was marked unresolved. I still have not received anything in the mail from them. I think this is funny because it only took XXXX XXXX  one week to recalculate my new increased payment amount but they still haven't contacted me regarding my complaint.
Consumer complaint received 2019-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2019 I was approved for a Capital One Quicksilver credit card. Per their advertisement on the Capitalone.com website, a one time sign up bonus would be available to new card member ( s ) if you spend {$500.00} within ( 3 ) months of when the card was issued. As of XX/XX/2019 I had spent over the required amount of {$500.00} within the provided ( 3 ) month time frame. When calling Capital One to inquire on the sign up bonus after meeting the advertised requirement ( s ), I was advised that per their disclosure, previous or existing account holders maXXXX not qualify for the sign up bonus. I advised that I have never had a Quicksilver credit card before, and should be entitled to the sign up bonus as advertised. After a ( 5 ) day waiting period, I was called and advised that because I had a different Capital One card, that is being considered as an existing account holder. The Capital One Platinum card does not have any sign up bonus ( s ) or rewards associated with it, it is a completely separate entity. I advised that their disclosure states, previous or existing account holders under the Quicksilver terms, which would mean previous or existing account holders of a Quicksilver card/account, and no where in the terms for my Capital One Platinum card does it say that accounts will be linked, or having the Platinum card will deny me any future bonus ( s ) with the company. I feel mislead by the company into signing up for their Quicksilver card with miss-representation of their term ( s ) and the company is using the fact that I have a completely different card with separate terms as a way to not have to honor their advertisement.
Consumer complaint received 2020-11-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have no recollection of this debt, yet it is damaging my credit score with derogatory remarks that you are reporting monthly. 

Ive asked for a signed contract/application showing I agreed to pay this debt you claim I owe. You have yet to provide original documentation, or any documentation at all proving I owe this debt. 

You are reporting different dates of last activity, different dates of last payment, reporting incomplete information as well. Intentionally harming my score. 

REMOVE THIS ACCOUNT.
Consumer complaint received 2015-12-07
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Nationwide Biweekly Administration, Inc. (IL)

Nationwide biweekly mortgage reducer ( Interest Minimizer ) mislead me into thinking I would reduce the term of my loan while saving money if I added them as a third party to pay my mortgage payments biweekly. They charged me a " XXXX time '' setup fee of {$590.00} which I would like to be refuded as soon as possible. I was mislead by this unfair company. 

XXXX XXXX
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I called TRANSUNION XX/XX/XXXX and multiple times after requesting that I did not want to use the online services because there would be a error message every time that I tried to request my credit report and the representative asked why I wanted to cancel my online account I explained over and over again but still no consumer report was produced I would then ask for a manager and they stated that I could expect my consumer report in the mail within XXXX or so business days. TRANSUNION has yet to furnish my consumer report.
Consumer complaint received 2021-06-30
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 (GA)

CAPITAL ONE- XXXX XXXX XXXX Account # : XXXX XXXX XXXX Under the FDCPA ACT, and my rights FCRA Ive involved these accounts in civil litigation against these credit Bureaus for unauthorized and Fraudulent actions concerning these accounts on my credit report.The credit Bureaus are constantly in violation of my consumer right of not sending documentation of non verified debt for non permissible purpose under section XXXX & XXXX XXXX - XX/XX/XXXX XXXX  CAP ONE AF XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX CAPITAL ONE AUTO FIN Auto Financing XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX Finance/Personal XX/XX/XXXX XXXX CAPITALONE - XX/XX/XXXX XXXX CAP ONE NA Bank Credit Cards XX/XX/XXXX XXXX CAPITAL ONE Bank XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX New XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX
Consumer complaint received 2020-07-10
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: Experian Information Solutions Inc. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my  ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately