davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

on XX/XX/2020 i sent a letter regarding inaccurate and unknown things on my credit report. to this day over sixty ( 60 ) days later I have not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My was also impacted by the XXXX  Data Breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-06-04
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. (MS)

Equifax and XXXX  are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX  - partial account number ****XXXX-XXXX. ( Please see pages 8 and 9 of the attached credit report. ) I have already called XXXX XXXX XXXX   and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX  however Equifax and XXXX   have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2018-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P. (FL)

Paid off my XXXX internet bill 2 years ago and just started receiving bills saying I still owe for service and havent returned devices. Bill comes to XXXX. Bill was paid 2 years ago in cash. Device was returned.
Consumer complaint received 2024-02-29
Product: Credit reporting 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. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2015-09-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (NY)

Following information has been submitted XXXX : Contributor : SUNTRUST BANKContribute Reference # XXXXAccount # XXXX Date XX/XX/XXXXContribution Reason : Transaction ( or attempting to transact ) with an account in an unauthorized or prohibited manner. 


I have never attempted to transact with an account in an unauthorized or prohibited manner. Such FALSE statement on file is prohibiting me from doing business from other banks.
Consumer complaint received 2015-09-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Karma (CA)

I have XXXX credit card that I use, it is a XXXX XXXX XXXX cash rewards credit card. There are XXXX or XXXX other cards that I do not own on that credit report for credit karma, and it is making my credit score look poor and that is not good. I need these other cards that do n't belong to me off of my credit score.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I became aware of {$3600.00} missing from my checking account from XXXX different transactions. 
I immediately contacted the bank, they said they would start an investigation and send a new card all within XXXX business days. 
On day XXXX they sent me a notification that the card was sent to an old address. 
I contacted the bank again on XX/XX/XXXX and they corrected the address. 
Later that day, my XXXX pay stopped working. I contacted the bank and they gave me a new card number. 
On XX/XX/XXXX, I called again for a status update. They told me they had closed the investigation. They said the transactions had a chip verification. I told them this isn't possible, I had the card in a different state and most were doordash, so a chip couldn't be used. They said they knew my address then, so the bank isn't going to help. They told me to call the police to have them look at cameras.
Consumer complaint received 2018-07-03
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: United Consumers Inc (MD)

I made a dispute with XXXX XXXX regarding United Consumer, a third party creditor that is reporting incorrect information and also with XXXX XXXX XXXX that is being reported as included in bankruptcy. 



This claim was made in XX/XX/XXXX, since this time United Consumer has been under investigation with XXXX XXXX for over 3 months and then today, XX/XX/XXXX received response that the information is accurate. This is totally false and hindering my credit. I provided a ledgeXXXX from XXXX XXXX Hospital to United Consumer showing I did not owe any money to this 3rd party creditor, ( United Consumer ). This  information is being inaccurately reported.
Consumer complaint received 2017-08-01
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Live Well Financial, Inc. (VA)

Reverse Mortgage Livewell Financial XXXX Mi. Money I got advanced for equity was used, owed some county taxes that did n't get paid. They said sent notices about them, and then sent notices for foreclosure, didnt receive. They fore closed XXXX,2017.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just got a new credit report discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I dont reside at and may possibly be a old job or promos. Please delete the following addresses : XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following numbers are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2017-01-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have been a Bank of America customer for 3 years with a small business account, recently I moved from XXXX to XXXX. I met a women from XXXX also and become very close to her. I went out of town and trusted her with my account number to deposit money into my account from a work booking that I asked her to take care of. The time I went out of town I was very busy moving around and preparing for my permanent move to XXXX. I checked my account but did not do a through check for any errors just to make sure some money was deposited from work, once I returned to XXXX about two weeks later XXXX $ was reversed from my bank account. I called and tried to contact the women whom was my friend had dissaperead, she blocked me from social media, she had moved from her apartment and I could not contact her.. Continuing on about a month later XXXX $ had been reversed from my bank account causing it to overdraft, I could not understand why so I immediately went to a banking center. I filed a claim at the bank over the phone and filed a police report for fraud naming this women as the person of interest. After a week goes by I finally get some type of answer from a Bank of America associate explaining what had happened, someone posing as me stole my information and filed a claim stating they deposited money into my account gotten a temp credit and immediately with drew it. I did not file this claim nor do any of this. My information was stolen and fradulant activity was done and I am being held accountable for it. This has been a nightmare and it seems as if the bank does not even care they have not fixed the issue and has denied my claim.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CITIBANK, N.A. (NJ)

I recently received a notice from Citibank that my credit card limit was being decreased from {$11000.00} to $ XXXX 've been a member since 2015, always paid on time so I am confused.They sent me a balance transfer offer with a 0 % interest rate, and I transferred {$5000.00} to a credit card that I owed and I paid back the {$5000.00} within 2 months.They thought I was creditworthy of the transfer.I pulled my credit report and nothing new showed up. I have never been late on any payment.I called Citibank to try to find out why they reduced my credit line and they kept saying XXXX required us to do it. " I said they mandated you to reduce my available credit, you have no discretion in the matter, and the response was yes, it was due to change on your credit report, except there was no change on my credit report. I am tempted to close but I know that's not the right thing to do. But it concerns me that this can just be done with no recourse? Ive tried calling Citi Bank many times either I get the wrong information or no response at all. I tried to fix this issue with them and nothing, they do not care about their loyal customers.
Consumer complaint received 2022-09-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (AZ)

I have been active on getting my credit reporting straightened out. I have noticed so many errors. This is another. I have communicated with XXXX, XXXX and XXXX. Out of all three XXXX removed the debt collection that is FRAUD. XXXX and XXXX must be ignoring my claims and they have not provided any verification of this debt showing. SOUTHWEST RECOVERY SER ( Original Creditor : XXXX XXXX XXXX. ) have been contacted via certified mail return receipt. However, it is being ignored. This is why I am reaching out to you. They should all be on one accord and it appears fishy. This debt is not mine and I do not owe anyone. Please assist me with this matter.
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (CO)

In 2016, I negotiated a deal with Sallie Mae ( now Navient ) to reduce my student loan payments. I negotiated a deal that combined all three of my accounts into one payment of {$250.00} per month and an interest rate of 0.01 %. Since then, I have made this agreed payment monthly, on time, by direct debit. Unfortunately, they report this as a late payment every month and the accounts show as charged-off on my credit report even though I continue to make the agreed payments on time. They also do not list any due date for the payment online in my account. I have been told by them that they are allowed to do this, but it is false information that is ruining my credit.
Consumer complaint received 2018-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MD)

Please add my employer information : I have had steady and constant employment from XX/XX/2013 and I'm currently still working in this position as a full-time, permanent employee XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MD XXXX. 

Please add my employment record to all Credit Reporting Agencies. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Please add my employer information : I have had steady and constant employment from XX/XX/2013 and I'm currently still working in this position as a full-time, permanent employee XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MD XXXX. 

Please add my employment record to all Credit Reporting Agencies. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

Block and remove the fraudulent account listed in my credit file immediately, per the law ( FCRA 605b ), or face legal action. Provide documentation bearing my signature within XXXX business days ; otherwise, delete the information. I do not consent to XXXX or automated verification. I demand swift resolution to this matter. XXXX XXXX AUTO XXXX XXXX Date Opened : XX/XX/2020 Balance : XXXX. Please delete this fraudulent account ASAP.
Consumer complaint received 2018-07-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (NE)

My wife and I have had nothing but problems with the money source. Despite have a fixed XXXX year mortgage, our mortgage rate goes up every year. We have an escrow account and are now being told our escrow is short over XXXX. We are not receiving satisfactory explanations as to why this is occurring. We do understand that because we have had financial difficulties due to medical expenses certain concessions have had to be made. However due to the payment arrangements, our payments have been larger, not smaller. It is irritating that when we call in there are no automated options and we are forced to speak with a bureaucratic representative who has no business judging our situation. We are forced to explain the same situation over again, even though it's in the notes and nothing has changed.to a paper pusher with no medical or legal degree. There is no online payment option when you're behind on your payments. The company makes everything as inconvenient and punitive as possible.
Consumer complaint received 2016-01-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

My mortgage company sent me a payment change letter with very contradictory information. The interest rate is increasing, however the payment is not. The amount amortizing for the balance is changing as is the interest, but the payment is not. Then the letter says that " the interest rate can change each time by no more than 99.99999 %. '' Additionally, the letter says that the payment as shown will cause the loan to be negative amortizing. I have received this type of letter before from the lender-OCWEN and asked them about the information and to provide an amortization schedule-to no avail. Their system is most likely not in compliance with federal regulations regarding the notice of payment change. Please review the letter attached and provide some clarification as this is a formal complaint.
Consumer complaint received 2017-06-07
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. (MA)

I  XXXX   XXXX   XXXX  request the Consumer Financial Protection Bureau to intercede where  XXXX   XXXX   XXXX  is still carrying my PAID IN FULL account as a CHARGE OFF. I find this practice to be offensive to American consumers. We American citizens were never given a bailout like our national banks. When I paid off even the back interest,  XXXX   XXXX   XXXX  had to take the credit item from sub-standard to standard, and that in effect removes the Charge off status. This is a violation of  Rule 5000  FDIC and it does apply to the fair Credit Reporting Act. If national bank can have it both ways pertaining their abusive practices of FDIC regulations against FCRA guidelines, whats the point of individuals working their way back financially from a financial crisis they caused. This account should be upgraded to simply PAID IN FULL!!!
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (KS)

I was in the process of trying to buy a house and I got on XXXX XXXX and saw that my credit score was below XXXX and I clicked on there to see why and I had 24 late payments from Navient student loan company and I ca n't understand why when I was in forbearance.
Consumer complaint received 2016-10-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (FL)

In 2013 I took a private student loan with Sallie Mae for my son who is still in school. I took a loan with a fixed interest percentage, and I 'm suppose to pay only interest while he is in school ; however, I always send an extra payment in order to decrease the loan. I have noticed that the monthly minimum amount changes, but I will not be able to tell you the exact amount because the do n't send statement and when I sign into the website they provide you a list of peymrnts received but they do n't provide how yo retrieve statements. The original loan was for XXXX and it is XXXX
Consumer complaint received 2020-11-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

All XXXX in credit report has been legally discharged as paid infull for legally cognizable reason. Wherefore, should be mark as paid infull/discharged on credit report.
Consumer complaint received 2020-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (GA)

Around XXXX or XX/XX/XXXX, a debt showed up on my account for an apartment building called XXXX XXXX XXXX XXXX in the amount of {$2200.00}. I have contacted and spoke to the manager of the debt collection company " Professional Debt Mediation ''. Her name is XXXX XXXX ( email : XXXX ). I sent her all the documentation I was asked to send to her and still this fraudulent collection is on my credit report. 

I have LIVED in a house that I have a mortgage on since XX/XX/XXXX. I have not lived anywhere else. Ever since the XXXX breach in XXXX, I have been a victim of identity theft! Many other apartment buildings where all disputed and removed from my report. But this company is not cooperating. I emailed them back in XXXX or XXXX of this year and still have not heard back. 

This collection is ruining my credit and my financial life.
Consumer complaint received 2018-06-30
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. (TX)

I called the credit Bureaus to report unauthorized inquires on my credit file, and I was told to contact the companies directly it was nothing they could do on XXXX. I spoke with all the companies listed below and was told I had to contact the Bureaus for the unauthorized inquires on my credit file. These are fraudulent and need to be removed as soon as possible. The fraudulent accounts are listed below ... 

XXXX XXXX XXXX ran in inquires listed below : A total of 5 times on different days without authorization. 
XXXX XXXX XXXX : Inquiry dates : XXXX, XXXX, XXXX " claimed they didn't run my credit '' after I spoke with them on XXXX. 
XXXX XXXX : Inquiry dates : XXXX, XXXX " claimed they didn't run my credit '' after I spoke with them on XXXX XXXX XXXX XXXX ran the inquiries listed below without authorization, a total of 8 times. I went to the dealership XXXX and requested to speak with the manager XXXX and informed him I didn't authorize these inquires : XXXXXXXX XXXX   inquiry date : XXXX XXXX XXXX : XXXX XXXX XXXX   inquiry date : XXXX XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX/XXXX XXXX   inquiry date : XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX XXXX XXXX : inquiry date : XXXX These companies all been contacted individually by phone and I was told to contact the credit Bureaus after I explained to the companies that I had already spoken the each credit Bureaus and the Bureaus had to me contact each company because they couldn't do anything.
Consumer complaint received 2020-11-15
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)

XXXX XXXX had reported incorrect information. XXXX XXXX  says that they correct the information with the credit reporting agencies, but my credit report still shows negative information about my XXXX XXXX  credit card.