davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX : Account # XXXX SS # XXXX To Whom It May Concern : " On XX/XX/XXXX Complaint number XXXX, I requested your company is reporting the below-referenced account on my credit report as a collection account. 
XXXX  XXXX I have disputed this item with the credit reporting agency, and they reported you confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. '' Today I received your response which included credit card statements ; rather than an application or alleged contract bearing my signature, as well as any proof of your authority in this matter. 

Since you were unable to provide the requested documentation there remains no option other than to remove this erroneous reports of this past debt as mine.
Consumer complaint received 2020-07-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

Dear Sir/Madam Since XX/XX/XXXX, I have been a Checking account ( # XXXX ) holder with the Citibank N.A, maintaining a monthly balance of approximately {$5000.00}. From the very onset, the bank offered me the benefit of a {$5100.00} overdraft checking protection privileges. My 35 years old overdraft checking protection portion of the account enjoyed an impeccable history of timely payments of all the charges made relating to that account. 

In the midst of the horrific happenings of the global pandemic virus known as Covid-19, Citibank had the audacity to terminate the overdraft checking protection portion of that account, using the pretext that since my credit score has gone down, the bank policies do not permit me to keep the overdraft checking privileges. I became greatly distressed when several checks got bounced, resulting from a lack of protection offered by the overdraft checking privilege. 

I immediately contacted my local Citibank branch, located in XXXX, New york to discuss my plight with the bank manager, who totally understood the wrongdoing perpetrated by the bank 's Credit underwriting unit. On my behest, She made repeated requests to the banks credit unit explaining to them that the decline in my credit score was caused purely by the Covid-19 environment as I did, temporarily losing a portion of my income. 

All her efforts failed and the bank issued a canned response ( copy  enclosed ), rejecting my case by citing arbitrary and capricious bank guidelines, and frivolous policies and procedures. I am a XXXX years old retiree, surviving on pension, social security and investment  incomes that are enough to enable me to have a comfortable lifestyle. The purpose of seeking overdraft protection privileges is to tackle unforeseen emergencies. 

Your assistance in resolving this matter in my favor will be greatly appreciated. 

XXXX XXXX XXXX
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was contacted by the company ( They should have recorded calls ) in  XX/XX/2019. I told them the monthly payment is too much and I am unable to pay due to some job problem. They told me they have this special program where they can enroll me and I can tell them a fixed amount I can afford to pay monthly. I told them I can afford XXXX $ a month. They took my payment method and put my card on auto pay. after 4 months XXXX, XXXX, XXXX and XXXX passed by I see that I have late payments reported for these 4 months on my credit reports where as due to the agreement i was making the payments on time. I tried to call them and explain this but their customer service never listen to me. 
These late payments shouldnt be on my credit report since I was paying the amount they told me to pay all 4 months.
Consumer complaint received 2017-07-25
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. (MI)

XXXX XXXX XXXX has reclassified several paid acounts with XXXX balances as collection accounts. These accounts were paid off by a student loan consolidation.
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (GA)

Last week, around XXXX, i noticed a strange charge on my XXXX  unemployment card, it was for a gas station in XXXX, i have not been to XXXX  in over 2 years, i called the gas station and they told me to call my bank. The next day there was another similar charge for a XXXX  gas station, i changed my pin and followed the online prompt to label my card as stolen and get another. In the mean time I could not access half of the phone menus because I had no card number, after getting the card I can not get in touch with anyone over the phone, and neithet the app nor the website have a way for me to dispute the charges. 
The website says that customer service is 24/7 but I have been on hold waiting for the next customer service agent for over 3 hours at one time. It seems that either the company, way2go card, does not care about their customers, or someone at the company is stealing the information on cards and then making sure victims don't get through to customer service. 
The total amount of losses is XXXX to XXXX, i cant get anyone to help me figure the fraud out.
Consumer complaint received 2018-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (WI)

I received a letter dated XX/XX/18 from XXXX XXXX XXXX XXXX , XXXX. stating that I owed " Speedy Cash '' a debt in amount of {$890.00}. I've never heard of either company, never have or have had accounts with either. I called XXXX XXXX and discussed the matter with a representative who suggested that this was due to identity theft, and that I should contact the Federal Trade Commission. The debt is now listed in my credit report ( the XXXX XXXX representative indicated that it had been ). I did report this to the FTC, which referred me to here I believe it was.
Consumer complaint received 2017-07-25
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. (MI)

XXXX XXXX XXXX has reclassified several paid acounts with XXXX balances as collection accounts. These accounts were paid off by a student loan consolidation.
Consumer complaint received 2021-03-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Hello, I applied for a mortgage refinance with Wells Fargo Home mortgage. I currently have a home loan which I have been paying in full for the past 15 years at 5.875 %. 

I applied XX/XX/XXXX for a mortgage refinance. My FICO score is about 800. 

Wells Fargo said they are targeting refinance close XX/XX/XXXX. I submitted extra paperwork as requested and I just called today XX/XX/XXXX and they said my request for refinance was denied. 

The reason was because of my submitted tax returns of last year which showed a loss. Considering the COVID situation, my business did indeed suffer a loss, but I have enough cash reserves to continue to pay my mortgage payments. I continued to pay my mortgage payments with no issue. 

Basically I am responsible and I save my money, so I was able to continue mortgage payments. By refinancing I would save over {$400.00} per month on my payments, so would make my mortgage even more affordable. 

Wells Fargo is quite greedy in they want me to continue to pay higher monthly payments. 

I wish to file a complaint against Wells Fargo. 

Thanks, XXXX
Consumer complaint received 2020-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (MA)

Good Morning and how are you doing during this pandemic? Listen, I was shocked when I reviewed my credit report and found this derogatory account in my credit file. I've attempted so many times to reach out to this company but they refused to provide me any details. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. Otherwise, please provide me with your documentation showing that this account does indeed belong to me. Please send me copies of the contract used to establish the account with my signature on it. Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reviewed my credit report and found unverifiable, and inaccurate items that were reported that were not 100 % correct. 

As you know it is agaisnt the law to report any information not proven accurate. 
In accordance with the fair credit report acting, everything has to be 100 % accurate on my credit report and under the XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) and XXXX XXXX XXXX XXXX XXXX XXXX  ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (CA)

Theyve been taking money from my account without my knowledge. This has happened several times. Once I caught on, I complained to Direct Express and got the runaround. Placed on hold for XXXX  hours. Requested a paper copy of my statement TWICE, never received it. I finally was able to file a dispute. It took XXXX weeks for them to investigate. Finally got my money back. After tons of anxiety, stress, and sleepless nights, I was relieved to have my much needed money back. Im unemployed due to my illness and that fixed income isnt much and I have a family so every dollar counts. The moment I finally felt relieved, I checked my account and to my surprise, they took the money I just fought for back. I did everything they asked. I provided confirmation numbers, contacted everyone, sent documentation and I won, so how can they take back the money without telling me? Once I called again SEVERAL times, then they informed me that the decision was made to take back the money. They blamed the merchant but they provided confirmation so it wasnt the merchant it was DIRECT EXPRESS. Theyve done this several times. Im losing trust, Im afraid to use cards now, my XXXX  is at an all time high, Im having sleepless nights AGAIN, Im unable to handle business due to lack of funds and stressing over being robbed of my money from a card company that I trusted. I still havent gotten my money back.
Consumer complaint received 2015-04-18
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lustig, Glaser & Wilson, P.C. (MA)

I got a credit card back in XX/XX/XXXX, the company at the time with XXXX.this company was brought out by another company.when I try to make payment on it and call the number on the back of the credit card the number was no longer in service. I could n't find any information on this company so I just leave it at that.over the years I move from the current address that I was leaving before when I got this credit card..I recently received a warrant in the mail saying ; XXXX warrant of Arrest notice that state final notice the day before I was to appear in court on XXXX XXXX XXXX. when I went to court with the blue ticket that I receive in the mail I did not have any idea what this was about, so I went to the XXXX desk for information XXXX she told it was about a credit card that I owe on over 12 years ago that 's a charge off on my credit report. come to find out it was a credit card agency collect in debt that call, Lustig, Gleser & Wilson, P.C. # XXXX clean I owe them {$2900.00}, which I never spend that much money on a credit card.when I arrived to the courthouse the guy told me at the entrance to wait over by the side where all the benches are. the guy came in and collect the slip and then he gave me a paper to fill out with my financial statement in the lobby of the courthouse. after I fill out the paper I give it to him and then a lady call my name on the other side of the lobby. she looked over my final statementand asked me what can I afford to pay. me being scared and do n't know much about this I 'm I right the way. after I signed a paper she said she was going to give it to the judge. that was very unprofessional because I did not stand in front of a judge. this was at west XXXX division of the XXXX municipal court. what happened to the statue of limitation rights against collection agency collectin debt that is over to 12 or more years ago no proof. when I came home and call the collection agency to find out what this was about it was giving me the running around. they told me that I owe XXXX XXXX XXXX this portion of money. I tried to explain to them that I do not have a card with XXXX XXXX XXXX or they talking about XXXX and is so I did not hold that much money on that card.then he gave me another number to talk to somebody else.
Consumer complaint received 2020-07-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Conn's, Inc. (VA)

CASE XXXX - Conn 's XXXX XXXX - NOT XXXXXXXX XXXX - Do not send to XXXX XXXX  Case not relaited to credit card, but installment loan with Conns Billing Address XXXX XXXX XXXX XXXX, Texas XXXX Fax XXXX ( Department in question direct fax number ) Customer Service Compliments or Complaints - ( XXXX ) XXXX On XX/XX/XXXX I called to Conns XXXX XXXX and made an offer of {$1900.00} to settle out the account in full. I explained to them that I would like to use the provisions under the CARES act that allows contract terms to be revisited, I would like to make a final onetime payment of {$1900.00} to close out the account that day in good standing. The accepted the terms and processed the payment. I asked that day and have continued to follow up on the status of closing the account in good standing and sending me a letter stating that the account was settled on for XXXX. Several calls and emails I still do not have the letter and the account is still open accruing interest and requesting a payment due in XXXX. When I call, I am told the letter takes thirty days. After thirty days I called again, and Im told another thirty days. I follow up again and was told it was with the wrong department and they need thirty days. 
As of XX/XX/20 I have been informed that my payment was rejected from the settlement department reason listed as " not paid in full ''. It was explained that this final payment of {$1900.00} was sent to the settlement department and because the consider it to be a concession pay off it needed to be processed with a different department. I have given ninety-eight calendar days and approximately sixty-eight business days for this to be corrected. Plenty of time to at minimum close the account officially and then begin working on sending me confirmation of the closeout.
Consumer complaint received 2015-07-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (TX)

On XXXX XXXX, Harris & Harris Revenue sent dunning notice of a medical debt. The account was paid in full in XX/XX/XXXX, and funds cleared. 

In XX/XX/XXXX, the same collection appeared on my credit report as open and unpaid. This is unfair debt collection practice since this account is a paid medical collection and should not be reported to the credit bureaus. The continued reporting of this account is a violation to HIPAA and should be removed.
Consumer complaint received 2018-06-20
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: SUNTRUST BANKS, INC. (VA)

Suntrust bank opened 2 credit card accounts in my name without permission. I have filed a complaint and am in the process of closing all accounts. Branch manager ( XXXX XXXX, XXXX, VA ) tried to deny the accounts existed, though online banking showed them as active. Once manager admitted the accounts existed she tried to say they were opened in 2016. The accounts were opened within the last 6 weeks. There is a internal investigation from Suntrust.
Consumer complaint received 2017-07-24
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 sent them a dispute letter on XXXX XXXX 2017 by Certified mail. ( They receive it on XXXX ). As I 'm patiently awaiting my 30 days to pass, on X/XX/17, I call them to verify if the the copy of the license and my social security card in my new last name that I attached to my dispute was sufficient for changing my name ( due to marriage )? I did n't want two different last names floating around on my credit file. On XXXX the US rep tells me that I need to fax in proof of my name change, which I think is strange since I 've already attached a copy of this same driver 's license and social security card to my original dispute letter, but I comply and fax in requested info on X/XX/17. On XXXX I get a letter from TransUnion ( dated XXXX ) stating that they need an extra 15 days since they 're in receipt of new information regarding my dispute. This is totally incorrect. The information i faxed was mutually exclusive and not at all related to my dispute. It was specifically to verify my legal name change due to marriage. This is not a dispute issue and had nothing to do with my Dispute letter. This letter confused me so I called and spoke with XXXX XXXX XXXX of Special Handling about 5 minutes ago. He was polite but literally could not defend the reason why Trans Union needed 15 extra days. He started with " it takes an additional 3-5 days to upload information in the system. That sounds like a TU problem to me and should be covered in the 30 day time frame. He goes on to state that " Since you sent in supporting documentation we need extra time ''. What I sent in was mutually exclusive and not supporting document related to my dispute. I asked him if the law in fact states that they have 30 days and if no response is received from the creditor, it had to be removed? He said " yes '' but some of the creditors stated they would n't have the info until XXXX and XXXX said XXXX. This is also not my problem. If the reporting companies do n't comply, they should remove it from my report. Am I wrong or missing something? I think they 're stalling on my dispute/verification. His grand finale of excuses was " we are receiving millions of disputes that we ca n't keep up. He explained that they all wo n't be handled in 30 days they and needed to ask for extensions. I do n't believe that a lack of proper forecasting on their business end should constitute a problem on my credit file. In addition, as of today X/XX/17, my name has already been changed from XXXX to XXXX, therefore they shouldnt need additional time on my dispute. Please help me. I believe this is a stall tactic which happens to be infringing upon my rights as a consumer.
Consumer complaint received 2023-06-13
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is reporting a bankruptcy that does not belong to me. I have disputed this information several times and every time I am told the information is verfied to be accurate. 

This does not appear on any other reports XXXX XXXX XXXX or XXXX. 

I reached out to the furnisher to verify the information and the address I was told that was reported to Transunion is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas Transunion has stated that this was reported to them by XXXX XXXX, and XXXX bankruptcy court. Neither entity has verified this was correct. I asked Transunion to verify this information and please send me the findings and was told that they are not entitled to provide any proof of there investigation This address does not belong to me I live and have lived at XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Texas since XX/XX/XXXX. This was reported in XXXX of XXXX. Transunion requested a copy of my address for the time and a copy of my DL which I have attached.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts.
Consumer complaint received 2018-06-21
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. (TX)

I contacted TransUnion by phone 7 times to report that I had not applied for credit and there were 36 inquiries on my Credit Report. I explained that I have a fraud alert on my Credit Report as I did not make these inquiries. I want these inquires removed from my Credit Report. I have attached a letter where I have also stated that I no nothing about XXXX XXXX XXXX or XXXX XXXX XXXXXXXX.