davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Charges for overdraft on transactions that were dated previous to a larger transaction and that happened XXXX to 5 Days preciously. 

Credit card payment posted on the XXXX/XXXX/XXXX by the credit card company and being charged on overdraft fee 4 Days later. 

No ryme or reason to how charges are posted other than they process large transactions first regardless of the date the transactions are received.
Consumer complaint received 2017-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (CO)

I have not been receiving the XXXX XXXX Reward Points posted to my XXXX XXXX  account by Barclays the issuer of the XXXX XXXX Visa Card. I have been awarded unposted point totals of XXXX on XX/XX/XXXX, XXXX points on XX/XX/XXXX XXXX points on XX/XX/XXXX and XXXX on XX/XX/XXXX. I I sent the company an e-mail on XX/XX/XXXX, but the company has still not addressed the issue.
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have requested information on a XXXX XXXX account several times for validation of this debt and I have n't received true validation. Please help me They only send back generic information
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have requested information on a XXXX XXXX account several times for validation of this debt and I have n't received true validation. Please help me They only send back generic information
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I requested a credit investigation on XXXX XXXX. More than 60 days have passed, and I have not received responses yet.
Consumer complaint received 2017-11-13
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: EQUIFAX, INC. (MO)

I enrolled in the XXXX XXXX XXXX program and locked my credit after the breach. I went to the website and unlocked my credit and it said it would take XXXX hours. About a week or so later, I tried to have XXXX XXXX XXXX run my credit so I could have an account for their internet services and they said my credit is locked. I got on the website for the XXXX XXXX and it says there is an error. I called Equifax and have talked to 15 different people and no one can seem to fix this issue. They send me back and forth to each other saying I have a lock then the other says no I have a freeze. I can not access or apply for any credit and this is a serious situation.
Consumer complaint received 2017-11-13
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (LA)

I have been awaiting my credit of {$220.00} since XXXX of last year when I was instructed by the XXXX customer service department to return all my unworn items by the day of XXXX XXXX, XXXX. I returned the items well before the due date and before the XXXX, XXXX filed for chapter XXXX bankruptcy and closed its doors to all customers. Since the very beginning of this year, I have been in a constant battle with Comenity Bank, which is the bank affiliated with The XXXX and have never received my credit but was required to pay for my entire XXXX Credit card in full! including the items that I no longer possed and requested to ship back in late XXXX when I realized the clothing did not fit. I am furious with this company and have been told that because they are now opening as the XXXX XXXX, the XXXX XXXX  and any issues or disputes concerning them or my account will not and can not be resolved. I think it is utterly ridiculous for the company to expect anyone to pay for something they do not own especially when I was told repeatedly that I would eventually see the credit on my statement after returning the items. This dispute has been going on nearly a year now, I have placed hundreds of phone calls and sent countless emails without any resolutions.
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

For years experian has my name as XXXX XXXX XXXX XXXX. I am XXXX XXXX a woman. My husband is XXXX XXXX XXXX XXXX. This company is so in component they ca n't even get my name correct. I 've sent in proof so many times its ridiculous now. If they have my name wrong, how can they possibly actually be disputing items I have requested? They have the wrong name. How are they calling these companies with a fake name to verify? They are not, that 's how. They lie and never even dispute anything. I 'm attaching the report I got in the mail today and my license.
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have requested information on a XXXX XXXX account several times for validation of this debt and I have n't received true validation. Please help me They only send back generic information
Consumer complaint received 2017-07-07
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. (TN)

I am providing you with my former employe rs EIN num bers received from social security. I n  XX/XX/XXXX . I  worked for   XXXX   XXXX  . Fro m  XX/XX/XXXX - XX/XX/XXXX  I  was employed with   XXXX    XXXX . I was employed with  XXXX    XXXX    XXXX  from  XX/XX/XXXX - XX/XX/XXXX . Their EIN #  is  XXXX . I was employed with  XXXX   XXXX   XXXX   XXXX   XXXX  from   XX/XX/XXXX - XX/XX/XXXX .Their EIN #  is  XXXX . I 've sent  XXXX   XXXX   XXXX  a copy of my current drivers license. I just updated my address to reflect my current address. My new address is  XXXX   XXXX   XXXX   XXXX  Tennessee  XXXX . My late mother & father social security numbers are  XXXX  &  XXXX . I changed my name through probate court to  XXXX   XXXX   XXXX . My maiden name is  XXXX . My parents social security numbers are being used, even though they are deceased. Equifax is ignoring all of the information I submit. Even if I mail everything they request. I took a picture of my drivers license & sent it to you. I will submit copies of my parents death certificates & my marriage linsence.
Consumer complaint received 2021-08-05
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)

I reached out to XXXX XXXX in reference to accounts number ending in XXXX and XXXX on Equifax credit file and acct number XXXX and XXXX on the XXXX  file which are the same accounts with XXXX XXXX under contract number XXXX. Per the agent is spoke with at XXXX XXXX stated the original office was closed and all the account were transferred to the existing office, who in turn reported the already settled account to my credit file. Under the provisions of the 1977 Fair Credit Reporting Act, I hereby request that your agency fix my account.
Consumer complaint received 2019-10-28
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. (NC)

Transunion TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Re : Social Security Number xxx-xx-XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX XXXX, XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC. (VA)

CAINE & WEINER XXXX INSURANCE XXXX XXXX, XXXX Original Balance {$410.00} Past Due Amount {$360.00} Account is not past due and the company stated they would not place in collections once an agreement was made.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My home was foreclosed on back in XXXX with XXXX XXXX XXXX XXXX   XXXXXXXX XXXX the bank had been bought out by XXXX XXXX XXXX several years ago unknown to me. My credit report lists 2 separate accounts listing XXXX has a balance on loan? And also mortgage delinquencies. This was old from XXXX I disputed the accounts with trans union and they are now saying the accounts are delinquent as on XX/XX/XXXX which lowered my score 51 points. I have talked to bank previously and they stated the amount was from the foreclosure yet I never was given any paperwork from XXXX XXXX XXXX. XXXX XXXX XXXX had relieved me of the mortgage but now the new bank says its delin as of today. I cant get anyone to listen or help please help me with this
Consumer complaint received 2015-06-29
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (FL)

I have been overdrawn in my checking account, due to company errors, for making a withdrawl against my authorization. I have been working with the branch manager to correct the problems, however, the collections department continues to harass me, and call me XXXX times per day, and hand up. I have advised that I am working with the bank to resolve the issue.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

WHY is it that XXXX  & TransUnion have a public record listed in a fictitious name supposedly impersonating me? 

I've contacted the court for the supposed Bankruptcy however they stated that they never verified misinformation about a corporate fiction in my supposed name. I am the living soul, XXXX XXXX. 

Please remove any public records that aren't accurate. 

I've been asking the bureaus this for years!
Consumer complaint received 2017-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (OK)

I bought a power supply from XXXX XXXX with my Chase Credit Card because of all the alleged protection services, but I was n't able to return it to XXXX XXXX because they limit returns to 15 days. Chase offers protection for purchases for returns up to 90 days, so I contacted them. They told me to file a claim at their external website. So I did, after I did, it said It 'd take up to a week for them to respond. Two weeks passed, no response, so I emailed them, and they said 3 business days, yet still no response after 2 weeks. I called them, and they looked up my case and the rep was completely unhelpful. I asked how long it 'd take, it 's been a month, she said I do n't know. I asked for an ETA she said a week so I left it at that. It 's been an additional two months and they never reached out to me, never responded to my email, and nothing has been done. I looked up their return protection services online and it seems to be just a sham and false advertising.
Consumer complaint received 2021-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2017-11-13
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (CO)

My student loan is due on the XXXX of the month. Today is the XXXX. So far I have received two calls today already from Navient. This happens any time that the payment is *late* ( however well within the grace period ). The first call was at XXXX XXXX my time.
Consumer complaint received 2021-08-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (IL)

I'm playing this game and I'm trying to get my account number to add money to my account and I tried to transfer money from my PayPal account to my prepaid card with XXXX XXXX XXXX and it will not transfer the money
Consumer complaint received 2017-11-13
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. (TX)

I received a letter from my mortgage bank that my account was delinquent for the XXXX payment. This was around XXXX XXXX. My payment is automatically taken from my bank, and the money was deducted from my account. Unknown to me, the bank raised the amount due by {$50.00} to cover additional escrow. Because it was not the new FULL amount, they would not credit my account. 

When I spoke with them they explained what happened. I submitted the difference and adjusted my automatic payment to reflect the increased amount. The late charge was reversed. They did not tell me that this was reported to all 3 credit agencies as delinquent payment. I called them on XXXX XXXX to ask them to update the credit agencies that the payment was not late. According to law, I was told, they could NOT change the report. Because they mailed a letter that the escrow amount was increasing, my only recourse is to file a complaint with this agency. 

They received the full 100 % of the mortgage and the current full amount of the escrow, on time. They need to go back and fix my credit history so that it does not reflect that this was a late payment. They received over {$2000.00} on time, the gap which I was not notified is the ONLY cause for a delinquent payment. I want my credit score fixed to reflect the reality that I do pay on time.
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The California XXXX XXXX XXXX placed a lien on my bank account on XXXX XXXX, XXXX claiming we owed the state XXXX taxes. This was incorrect, as were were living in Virginia in XXXX. I faxed y XXXX Virginia tax filings to the XXXX XXXX XXXX, they agreed, lifted the lien, and sent me a notice saying the lien had been recorded in error. 

However, my credit report with TransUnion ( and possibly other agencies ) still shows the lien. I called TransUnions " Consumer Relations Department '' at XXXX, but it is only a recording offering to send me a copy of my report, but no option to correct errors.
Consumer complaint received 2017-11-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

I have been working on a loan modification with XXXX XXXX XXXX for over 5 years. I completed numerous RMAs, continuously provided documents, pay stubs, bank statements, tax returns, W2s, letters of hardship, etc. It has been an endless request for and submission of documents. However, no one can tell me the status of the application. They just send me a new RMA to start over. To help us get the modification, we started working with XXXX XXXX, a community housing program in XXXX XXXX. XXXX submitted a modification package for us. Over the last year, XXXX has been in the same perpetual circle that we were in. XXXX has asked XXXX to start over 5 times and like us, they just keep sending in documents with the only response being more of the same documents and then a request for a new RMA and start again. This process is grossly unfair to the consumer.
Consumer complaint received 2021-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2017-11-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (FL)

The company Cavalry Portfolio Services, which I hold no contract nor have received any services from is reporting a collection account again my social security number in the amount of {$6700.00} with XXXX, XXXX and XXXX credit reporting agencies. 

In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) I requested Cavalry Portfolio Service provide me with validation of the debt and account ( see attached ) ... on several different attempts by USPS Certified Mail/Return Receipt. ( see attached ) I requested Cavalry Portfolio provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt. 
The agreement bearing my signature stating that I agreed to assume the debt. 
Valid copies of the debt agreement stating the amount of the debt and interest charges. 
Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state, and Your license numbers and Registered Agent As of today XXXX Cavalry Portfolio has failed to provide me with adequate documents to verify that I owe the said debt. ( see attached from Cavalry ) I have made several attempts to contact the credit reporting agencies on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX/XXXX/XXXX and most recent XXXX/XXXX/XXXX and each agency refuses to remove ... indicating Cavalry refuses. 

I would like this company Cavalry Portfolio Service to remove/delete the negative report against my SSN with all credit reporting agencies in regards to the laws and regulations of the FCRA. Under the Fair Credit Reporting Act, 15 U.S.C 1681g ( FCRA )
Consumer complaint received 2017-11-13
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: Home Loan Center, Inc. (NY)

To whom it may concern Company 's use my personal info in connection to fraud and identity theft in order to opening frudentelly accounts to opten service and Good in behelf of me using my personal info such as ssc #. Dob. Address. Emails. 
Without of my concest or permission or authorization. 
As financial institution appears and raised according to date and time as reflect on national credit bureau as following XXXX XXXX XXXX XXXX XXXX Lending tree
Consumer complaint received 2024-01-26
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. (OH)

Reporting agencies are reporting a charge off on my report. Which is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! Also I the consumer never authorized any credit reporting agencies to report on this consumer report, which is a violation of The Privacy Act of 1974, a United States federal law, establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies.