davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX is reporting an open account on my XXXX and Experian in the amount of {$2000.00} that does not belong to me. 

On my credit report XXXX XXXX shows this alleged debt was sold to a collection agency and both XXXX XXXX and the collection agency are both trying to collect double on what appears to be fraud. 


I do not have any open accounts with XXXX XXXX and this needs to be removed from all 3 Credit reporting agencies immediately, XXXX XXXX is sending the credit bureaus inaccurate information which has caused me to be denied loans and job employment
Consumer complaint received 2022-09-14
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. (IL)

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX, XXXX XXXX XXXX and Bankruptcy. 
This has caused me tremendous anxiety, stress, and financial hardship.
Consumer complaint received 2018-07-06
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. (NC)

XXXX  XXXX is reporting an open account on my Equifax and XXXX  in the amount of {$2000.00} that does not belong to me. 

On my credit report XXXX XXXX shows this alleged debt was sold to a collection agency and both XXXX XXXX and the collection agency are both trying to collect double on what appears to be fraud. 


I do not have any open accounts with XXXX XXXX and this needs to be removed from all 3 Credit reporting agencies immediately, XXXX XXXX is sending the credit bureaus inaccurate information which has caused me to be denied loans and job employment
Consumer complaint received 2019-06-05
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. (FL)

THE INQUIRIES DISPUTED DOES NOT BELONG TO ME, I AM UNAWARE OF THE INQUIRIES THAT WERE PLACED ON MY CREDIT, I DID NOT GIVE ANY AUTHORIZATION TO THOSE COMPANIES THATS ON MY CREDIT FILE.
Consumer complaint received 2022-09-14
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. (IA)

About 2 months ago I sent in information regarding my last name change due to marriage. I sent in identifying information including my marriage certificate social security card and identification as well as a medical bill. A couple of weeks later I got notified of a change on my credit report and report and negative changes from from a credit monitoring service .Upon looking at these inquiries there were several that that did not belong to me as well as another name that was added on to my account as another name known as, a man, and it also listed addresses in in Nebraska and and XXXX XXXX XXXX XXXX of this information is related to me nor is this person. I contacted TransUnion who said that the company 's had reported my information to them and They then told me that I would need to contact those companies to get a letter or get them to remove the inquiry. After contacting these agencies they never did an inquiry On me, and after contacting one of them and investigating further it was determined that my social security number is XXXX digit different from this other person 's. I believe my social security number was changed to this when my name was updated And this was the person that the companies were reporting to the credit agency, resulting in the combining of his credit with mine. The mistake must have happened when I submitted information to change my name and all of that was entered into TransUnion system. All of these inquiries showed up at XXXX time. After talking with TransUnion on several occasions They shared that they did not make this mistake and that these other Companies had Done an inquiry on me. I have confirmed that they had done inquiries on the other person who is unrelated to me and not myself.. TransUnion is refusing to fix this mistake other than removing his name and his address from my credit report but his address is still there as of a week ago. There are also several soft inquiries and regular inquiries that belong to this man and are on my credit report. I am concerned that if they do not make this change and fix this that all future inquiries that are on this person will be connected to my credit report and that I will never be able to get it removed as there are Several and the companies are not cooperative considering they did not do an inquiry on me. Transunion have also said that they removed his address and have added mine but have not according to the report sent to me a few days ago
Consumer complaint received 2018-07-06
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

We currently have a Loan Forebearance with Rushmore Mortgage which was established via the Loss Mitigation Department through XXXX Mortgage and they are constantly harassing us on a monthly basis by continually sending a Loss Mitigation Packet! We have already been approved for Loss Mitigation and I have also spoken to the PoC in XX/XX/XXXX regarding our Forebearance which she finally acknowledged goes through XX/XX/XXXX. Therefore, we should not constantly receive a Loss Mitigation Packet Every Month! We should only receive the statement of account regarding monthly balance owed to ensure we have the same accounting/reconciliation of account. We also should not be receiving Notices Placed on our Front Door from Rushmore Mortgage Servicing, since we are currently in a Valid And Approved Loan Forebearance Agreement! Pleases stop harrassing us as if we have done nothing to remedy our Mortgage Account!
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I opened 4 claims via phone on XXXX for unauthorized and fraudulent transactions and my card was closed and a new one was mailed to me. On the XXXX business day all 4 claims were closed and I was told they were closed due to acct history. I requested to formally APPEAL all 4 denials as I am the acct holder and these transactions ARE FRAUD AND UNAUTHORIZED BY ME! Citizens Bank has not responded to my formal appeal sent via email and regular mail. I have requested all documents used to come to their decision and to formally appeal their denials. They never reopened my claims or provided me ANY documentation and I had my money stolen and Citizens Bank is refusing to help me. I am requesting immediate resolution! Citizens Bank refuses to provide me the documentation they are required to send, they failed to provide any valid reason for denying my claims and did not complete a true investigation into my claims. I am a protected consumer and by Federal Law am limited to {$50.00} liability because I reported the fraud as soon as I seen it and I have been trying since XX/XX/19 to get this resolved!!!
Consumer complaint received 2021-09-02
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. (CT)

My name is : XXXX XXXX My address is : XXXX XXXX XXXX XXXX XXXX, CT XXXX They are reporting the wrong address and wrong name. Please have them remove all other names. I have sent letters requesting this to be corrected and they still have not honored my request.
Consumer complaint received 2018-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (DE)

IN XX/XX/2017 MY ACCOUNT WAS COMPROMISED, I CALLED AMERICAN EXPRESS AND REPORTED IT, MY ADDRESS WAS ALSO CHANGED TO A FRAUDULENT ADDRESS, THEY CLAIMED THEY TRY TO SEND ME LETTERS TO VERIFY THE UNAUTHORIZED STOLEN CHARGES AND I DID NOT REPLY TO THE LETTER SENT TO THE FRAUD ADDRESS SO ITS OVER AND I HAVE TO PAY
Consumer complaint received 2021-02-21
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. (TX)

Around 90 days ago my credit score stopped showing suddenly on my.Equifax.com. Once I contacted Equifax they advised me to send in my documents to very my identity. Those documents included my SS card, drivers license, and a letter asking them to update my information. Recently on XX/XX/XXXX I was told by Equifax that they never received my documents. I then resent them and was told they arrived XX/XX/XXXX. They stated my credit score should be showing now but it is not. Ive call a numerous amount of times. Disputes have been filed and completed. Ticket request were requested and stated they were completed. On my end there is still nothing showing. When I apply for credit I am immediately denied due to Equifax. I also tried to purchase a product from them multiple times and it says unable to complete your request. I call customer service and still nothing. I keep receiving an NH code error from Equifax. This issue is now hindering me during covid. I am worried because I can not access my credit score information like every other consumer
Consumer complaint received 2018-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WEBSTER BANK, NATIONAL ASSOCIATION (MA)

HSA Bank provided me with a credit card with which to pay for medical expenses. I used the card to pay for medical expenses that were allowed according to my insurance plan and HSA rules, but HSA Bank reported the payments as an unqualified distribution to the IRS, so the IRS says I have underreported income. The thing is, I used my card at a doctor 's OFFICE, not at a store or an ATM machine. HSA Bank knows where the cards are used and they choose how the distribution is reported electronically to the IRS. Even though I submitted the correct paperwork to prove my distribution was qualified according to XXXX XXXX XXXX XXXX, the IRS doesn't believe it because their computers have the information from HSA Bank that contradicts the paperwork. It's up to HSA Bank to report these things correctly because I as the consumer have no choice in how it is reported. If a person uses the card at a doctor 's office, HSA Bank should be required to report it as such. HSA Bank should be audited to make sure they are reporting expenses correctly so that people are not accused of underreporting income to the IRS, which is a serious offense.
Consumer complaint received 2018-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I just had a very unfortunate and distressing incident with my XXXX XXXX XXXX Master Card,  operated by Bank of America. I never receive my XX/XX/2018 bill in the mail and consequently did not pay for that month. XX/XX/XXXX I just saw a late fee of {$25.00} and interest of {$14.00}. on my my XX/XX/XXXX bill which alarmed me to call Bank of America and point out a mail delivery problem. 

I always pay on time and the full amount of the bill. I never leave an unpaid balance. Accordingly, I have an excellent credit record. When a missed payment occurred before, with other cards, i would always call and speak to a rep and explain what happened. They would see my history and drop the charges and make sure this incident did not show up on my credit history as courtesy. Not so this time. 

Apparently Bank of America now has 360 degree AI phone operators who : do not understand English ; do not allow transfer to a human operator unless one makes false statements or payment promises that are not necessary ; are  incredibly rude and hang up on customers multiple times ; are incapable of making subtle distinctions that enable customers to resolve problems ; and ; essentially act as robot gatekeepers to pen customers away from any communication with this corporation. 

The Customer Service phone number listed on my XXXX bill is XXXX. One other number I found online was XXXX.I found one other Bank of America phone number to call. All phone numbers use the exact the same operator and script algo with the same off-target questions and responses filtering out my customer contact with a human operator. These automated systems can not deal with sophisticated problems, probably by design. Why would a bank not want customer contact to resolve a bill, unless it's just to make them give up and pay up? I even called a B of A branch in XXXX ... all employees busy ( understaffed? ) with no call back possible. 

At the bottom of the statement is an " Important Message '' declaring that since they have not received payment I may not use my account until it is paid. I checked my account activity online and found my current total balance and am placing a check for that amount, minus late fee and interest assessed ( because I am unable to dispute it with Bank of America ), i
n the mail tomorrow XX/XX/XXXX. 

My complaint here is the inaccessibility to Bank of America with customers. How can services be provided if the provider is dictating terms and filtering out the possibility of speaking to a Bank of America employee to resolve a problem? We hear everyday how wonderful AI is for business. But what about the other way around? Eliminating human labor to save the corporation money is not justification for incompetent business practices like the AI wall I experienced here today. This one-way business activity against consumers by financial service providers should be illegal.
Consumer complaint received 2017-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XXXX 2015 and XXXX 2015, I paid my mortgage but XXXX is reporting a 150+ days late on my credit reports. This was during a trial payment plan in regards to a loan modification.
Consumer complaint received 2020-06-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (TX)

I requested a loan modification on my mortgage due to reduced income, with Specialized Loan Servicing in XXXX, XXXX, and XX/XX/2019 and each time my request was never completed. Each and every time I received confirmation of paperwork received. I spoke to a rep name XXXX, who was very rude and telling me I should sell my house. This rep. was talking down to me as a customer/borrower, and discourteous, horrible attitude. The HUD counselor assisting me with my loan modification to ensure the proper procedures and guidelines were followed, witnessed Specialized Loan Servicing providing unethical business practices, very Poor service to me. I filed an appeal of why Specialized Loan Servicing was not processing my request for a loan modification, with HUD counselor. And they said they did not receive the request. In which, was a lie. The HUD counselor had confirmation, proof that the fax was received ahead of time. Specialized Loan Servicing continue to refuse to process my request for a loan request and then three days later  they attempted to foreclose on my home I been in for many years, without telling me. I found out through other sources. This is the worst service I have ever received. This company business practices are very shady. The public should be made aware of the unethical business practices by Specialized Loan Servicing,  and the horrific service they are providing to borrowers. The point of a loan modification request is to pay what you owe and keep your home.
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (GA)

XX/XX/XXXX charge entered incorrectly over XXXX Card was swiped and NetSpend declined the charge yet placed a hold for the total amount I had available at the time {$1300.00}. 

XX/XX/XXXX contact with Merchant advises they do not show a hold or any funds for me yet NetSpend still has funds pending. 

Now XX/XX/XXXX NetSpend is charging overdraft fees however the funds that are pending would cover it if they would release the hold that they denied. I have paid cash for the product already.
Consumer complaint received 2018-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (TX)

Hunter Warfield has not complied with the law to give me a remedy regarding a debt that I asked for validation on or about XX/XX/XXXX. I sent a letter, via certified mail return receipt, explaining to the company that I did not recognize the debt being reported to the credit reporting agencies, as I am a victim of ID theft. I confirmed with the post office that my letter was signed for. 

However, I never received the return receipt confirmation from Hunter Warfield. I waited for debt validation for over 45 days and never received the validation. After the 45 days, I filed an ID theft report with the FTC and all 3 credit reporting agencies. Additionally, I sent a second letter to Hunter Warfield explaining to the company that it failed to validate the debt of XXXX XXXX, and how it was a debt resulting from ID theft ; therefore, I am requesting it be removed and blocked from my credit file. As of today, XX/XX/XXXX, the debt is still reporting with a limit increase ; however, I finally received a letter from Hunter Warfield at the end of XXXX stating they would not continue collections on this account until a investigation was complete within 30 days. 

My issue with this investigation is that Hunter Warfield is attempting to shift the burden of proof of my ID theft to me, victimizing me a second time, as if, I committed the crime of ID theft. The company failed to address any of the questions I asked in my debt validation letter. Additionally, it did not give me due process at law when they ignored my first attempt to address the validation of debt. This process is all new to me, and I did not know that I had all of the remedies in law to protect myself against ID theft or fraud to my credit. Thus, I have experienced many credit fraud since about XXXX. Maybe I did not express my letters according to an attorney ; however, that does not give Hunter Warfield the right to ignore mail, as consumers are protected by the United States Post Office. I am spending a lot of money for postage to address my ID theft issues ;  therefore, I expect due process.
Consumer complaint received 2018-03-27
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Central Portfolio Control Inc. (GA)

This company left a voicemail on a SHARED voicemail stating that they are calling from a debt collector. If this continues I will pursue legal action in accordance with the FDCPA which they are VIOLATING.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (MD)

Received a letter from Wells Fargo today they are closing my savings and two accounts. Ive been a customer for close to 27 years there and my accounts have been in good standing. I get my social security benefits deposited there and pay my outside accounts by autopay. 
I feel embarrassed why they are closing my accounts and dont know why.
Consumer complaint received 2022-09-14
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.