davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2018-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (TX)

In XX/XX/2017, I received a letter from Chase Bank USA N.A.  requesting additional information for the XXXX Visa Signature card I had applied for. The letter stated that my application had been denied because the information on the handwritten application was illegible. They suggested I call XXXX because they were concerned that this was an attempt to use my information fraudulently. I called and reported that it was a fraudulent attempt, and I had not applied for any credit card. That day, I started an identity theft report as suggested on your website. I got an official police report, an id theft case #, an IRS report of ID theft, and sent Chase a letter with a picture id stating it was id theft. I enclosed all of the above information. They responded in a letter acknowledging the fraud activity and sent me a photocopy of the handwritten application that was sent to them said they would close the file and not issue a card. They told me the inquiries for credit would not appear on my credit report and any from this company would be removed. I put a fraud alert and a freeze on my credit report. My problem is every month for the last year, I have received another letter from Chase about my having applied for the same XXXX Visa Signature card. ( Yes, I now have 13 such letters ). The last 5 letters are requesting I remove the freeze on my credit file so the application can be processed.
Consumer complaint received 2023-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a medical debt that is XXXX and all 3 credit reporting agencies XXXX, XXXX and Transunion all stated and show on their websites that medical debt under {$500.00} will no longer be reported yet they will not delete this bill that is in collection and under XXXX as of XX/XX/XXXX XXXX all state this debt shouldn't be reported after XX/XX/XXXX XXXX
Consumer complaint received 2018-07-23
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. (OH)

Sent letters to Transunion complaining of credit inquires I did not authorize, transunion did absolutely nothing. They have had many credit breaches in there system and refused to remove the inquires. Then on XX/XX/2019 I complained about my score being reported wrong from XXXX  and 2 days later they dropped my score 15points. My scores on XXXX  and XXXX went up over 30 points. Please look into this matter.
Consumer complaint received 2020-10-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc. (CA)

We leased a vehicle from GM for a term of 36 months and paid all payments promptly as due. We turned in the vehicle prior to the lease end ( XX/XX/2020 ) to GM. The vehicle was much lower mileage than allowed and it was in outstanding condition. We were told and assumed that our relationship was complete. We got a statement from GM Financial on XX/XX/XXXX, which indicated we owed {$240.00} including {$12.00} Past Due Payment charge. I immediately called GM Financial and offered to pay the invoice, but I asked them to remove the {$19.00} late fee. I called twice, got no offer to remove the late fee and asked to speak to a supervisor. Each time I was placed on hold for over 30 minutes and then hung up on. I also sent a letter explaining and asking the same consideration to GM Financial via fax and email. There was no response. On XX/XX/XXXX we received notice that GM Financial had reported us to the various credit reporting agencies stating that we were delinquent on our a/c. I tried again yesterday ( XX/XX/XXXX ) and today to resolve this matter with GM Financial. I even offered to pay the unwarranted {$12.00} to settle. I asked that they contact the credit reporting agencies to clear the erroneous information. They refused. I know of no further action on my part to resolve this in a satisfactory manner.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

Dear Experian, I hope this letter finds you well. I am writing to formally request the opt-out of any and all reporting of XXXX XXXX on my credit report, as allowed under 15 USC 6508 . Remove Immediately. My name is XXXX XXXX, and my account details are as follows : Account Holder : XXXX XXXX Account Number : XXXX I understand that, according to the Fair Credit Reporting Act ( FCRA ) and the provisions of 15 USC 6508, consumers have the right to opt-out of the inclusion of their credit information in the reports provided to credit reporting agencies. 

Please be advised that I am choosing to exercise my rights under 15 USC 6508 and am formally requesting that XXXX XXXX cease reporting any information related to my account to Experian. 

I kindly request that you confirm in writing that my request has been processed within the time frame specified by law. Please send any confirmation or relevant documentation to my address mentioned above. 

I appreciate your prompt attention to this matter and your cooperation in ensuring the accurate and timely processing of my opt-out request. If you require any additional information or documentation, please do not hesitate to contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CBC Companies, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Year of Birth XXXX XXXX  Account NumberXXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusOpen. 
Status UpdatedMar 2020 Balance {$26000.00} Balance UpdatedXX/XX/XXXX Recent Payment $ 0 Monthly Payment {$960.00} Original Balance {$52000.00} Highest Balance {$0.00} Terms75 Months Payment History
Consumer complaint received 2019-05-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

on XX/XX/2019 and also on XX/XX/2019 and on XX/XX/2019, I sent Equifax a total of 3 dispute letters on an account from XXXX XXXX and have sent it certified and I still haven't received a deletion to a paid settled for less than full balance and they are stating that its late 120 days on a closed account that they marked open I have given them a full 3 months and they refused to resolve it they clearly violated the FCRA law and have received no answer to results its still reporting on XXXX XXXX when XXXX XXXX claimed they deleted the account between XX/XX/XXXX and XX/XX/XXXX and yet it still reports so I am trying to get a straight answer should be deleted and yet it is reporting
Consumer complaint received 2022-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (NY)

Through out XX/XX/2022, my best buy citibank credit card was fraudulent used for about {$3000.00}. I called best buy citibank to dispute transaction and reissue a new card for the first time. Before receiving the new card in the mail, someone already activated the new card and made purchase with it. The same thing happen 3 times, so I ended up demanding to close my credit card. Even after the request, I still see best buy allowing the theft to continue to open credit cards under my name. I have now XXXX credit card under my name, with XXXX reported lost or stolen and XXXX accounts remaining active. Bestbuy citibank fails horribly in protecting their customer 's from fraudulent transaction and identify theft activities. Now I have to fight with the credit bureau for these credit pull records which heavily bring down my XXXX XXXX.
Consumer complaint received 2020-08-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (PA)

I previously filed a complaint with your entity but the bank did not address the specific account that is at issue of this complaint. Please reinvestigate this matter with the new attached information I was the custodian of a account for XXXX XXXX the account number was XXXX. The account had some of my personal funds in the account. Wells Fargo closed the account without my authority. I asked Wells Fargo of proof of who closed the account so that I could prove to social security that I did not confiscate Mr XXXX 's funds. I also wanted my personal funds returned to me. I filed a complaint and they failed to rectify the issues. The bank has not addressed this account in their response. My phone number is XXXX
Consumer complaint received 2020-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We are enrolled in Bank of America Mortgage " XXXX '' automatic monthly payment deduction service. On day 1, of each month, they were to take one monthly mortgage payment from our checking account. XX/XX/2020, they ( BOA ) took two ( 2 ) payments from our checking account. We went immediately to the local bank branches to try to get the double payment stopped, and were told nothing could be done. BOA applied the double payment to month of XXXX We had to borrow money to pay the rest of our bills for XXXX and first part of XXXX. 
On XX/XX/2020, BOA again took two payments from our checking account. We called BOA 's Electronic payment dept. and asked that the double payment be cancelled or returned to our checking account, and were told the problem would be " looked into ''.

XX/XX/XXXX., we called again, explaining we needed the money to pay other bills and living expenses, and were assigned a Problem Case # SR XXXX. 
XX/XX/XXXX., we called again, and were asked to submit-via email- proof document that BOA had taken two payments. We submitted a copy of our bank statement, that showed BOA had taken two payments on XX/XX/XXXX

XX/XX/XXXX, we called and our case # was recognized and were told money would be refunded. We borrowed money to pay the rest of our bills for XXXX and first part of XXXX. 
XX/XX/XXXX., we called and a Rep said he would have a " manager '' issue a refund. 
XX/XX/XXXX., we called and a Rep told us our money had been refunded as of XXXX XXXX  on XX/XX/XXXX. 
Today is Mon. XX/XX/2020, and the double payment has NOT been returned to our checking account.
Consumer complaint received 2018-07-23
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: CITIBANK, N.A. (NJ)

This letter is in response to your letter on XX/XX/2017 related to the debt referenced above. I have settled this debt and paid it in full. However, since this was done over 3 years after the property in question was short sold, paying off this debt has restarted the clock as to when the last action on the property took place to when the debt was paid.

I have paid this debt in full, and it has severely damaged my credit, and took away my ability to buy a house. I am requesting that you delete this account, since it is no longer open, and is paid in full, it will not harm you to now delete this item.

According to The XXXX letter reporting a derogatory account IS a collection activity, and after the debt is settled ALL collection activities must cease.

Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below.

I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary.

Furthermore, you have the ability to change the listing since you are the information furnisher.

Please forward your agreement to the address listed above. You have 10 days to respond to this letter. I will be in contact with you to resolve this matter ASAP!

I was tricked into paying off this account but the companies council. This was only months before attempting to obtain a mortgage, this showing on my credit report as recently paid did extensive damage to my credit worthiness. This account was well passed the SOL period where it should be affecting my credit report.
Consumer complaint received 2021-08-18
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: WELLS FARGO & COMPANY (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 2018-07-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUSTMARK CORPORATION (NJ)

On XX/XX/18, I used XXXX  XXXX XXXX XXXX to send my mother money. The only option it gives you to send money to another person is to use XXXX. My mother could not activate and verify an account with XXXX. The day I transferred the money to my mother, she was had problems activating the account to accept the money. I called XXXX  XXXX XXXX and reported the issue. I was told by XXXX  XXXX XXXX if she is unable to accept the money the money would return in 14 business days. My mother never received the money I transferred. I never received the money back. I made several calls and filed several complaints with XXXX  XXXX XXXX. I tried reaching out to XXXX and they told me to call XXXX  XXXX XXXX. XXXX  XXXX XXXX reports that they reached out to Trustmark National Bank where the money was being sent and they refused to release the funds back. Even though the money never reached the recipient.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I sent a letter to Experian, XXXX, and XXXX on XX/XX/2022. Its been well over 30 days, I still haven't received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. 

This a violation of my rights. 

Affixed is a my proof of verification, copy of the inaccuracies on my credit report, copy of of Consumer Law 15 USC 1681i ( a ) ( 1 ) ( A ), and also copy of the letters i sent to the CRAs. 

Thank You CFPB XXXX XXXX
Consumer complaint received 2020-04-27
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (FL)

I have three credit cards with Synchrony. They increased my credit line on all three cards, because I was never late, was not overusing or abusing the cards. 

Over the last 8 months, they have reduced my credit lines, making it impossible to use cards, and each time the reduce the credit line, my credit score takes a hard hit. They are destroying my credit worthiness, because I pay on time and they've NEVER had an issue with my card use. 

When I did talk to them, they stated I do not own property and they reserve the right to decrease credit line. I have never own property and they approved me. I would understand a decrease in the limit if I was abusing the account. But, I CAN NOT even use the accounts because of this behavior.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Account # XXXX XXXX and XXXX from XXXX XXXX XXXX show incorrect information for the months of XX/XX/XXXX and XX/XX/XXXX on my credit report. I reached and request a letter to identify the mistake and to have them removed or corrected on my credit report
Consumer complaint received 2017-09-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

I just sent this email to Pennymac USA via their web form : " When I called this week for information about the modification process, I asked REPEATEDLY that you NOT BEGIN THE PROCESS WITHOUT MY PERMISSION. 

I asked you to send me WRITTEN INFORMATION ABOUT THE PROCESS BY MAIL. 

I attempted to call you to make a payment today and was given the runaround. I log in to make a payment and I discover that you have begun this process WITHOUT MY EXPRESS PERMISSION. 

I am cc'ing this to consumer advocates and consumer credit regulators. Meanwhile, I am attempting to pay my debt and this is my official notice that you are proceeding on a loan modification WITHOUT MY PERMISSION. 

Thank you. '' -- - Pennymac assured me by phone on Monday morning that I was not entering the loan mod process, that my credit pull was a soft pull, and acknowledged repeatedly that I was NOT yet ready to start the loan modification process UNTIL I received hard-copy information via US Mail and had time to look into it and think about it. 

I attempted to make my monthly payment today and I was told by a very unfriendly phone rep that I was assigned to a " single point of contact, '' and that I would have to talk with that person. I hung up after trying to explain repeatedly that I was trying to make a phone payment. I came home to make the payment via web and I got notice that I could not make a payment because I had " entered the loan modification process. '' I expressly told them I was NOT NOT NOT interested in doing so at this time -- at least not until I understood the process fully and had received written information from them about it via US Mail. 

We have been in this very modest home for 10 years -- bought just a few weeks before the market crash, so we do n't even get to deduct mortgage interest on our FHA loan at 6.75 %. Now we are employed part-time in the " gig economy, '' so we have had to pay late at times, unlike before. But we do pay. This is our only real asset and we are XXXX and XXXX. We are tying to do all we can to protect it. Thanks.