davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-05
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: Experian Information Solutions Inc. (FL)

Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

My rights as a consumer has been violated multiple times over and over and over again by these credit bureaus and corporations. They violated my right under the FDCPA, FCRA and Truth In Lending. Failure to investigate these items within 30 days gives a reason to immediately remove the items I pointed out in my letters that I sent over 30 days ago. Every account I disputed should be deleted if the instructions says to delete them and all late payments should be reflecting " paid on time '' per instructions. I demand everything I stated in my letter to be handled appropriately per instructions or I will file for litigation due to the continuing stress your causing me. My information also was also impacted by the Equifax data breach. please. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) I also stated each law you violated on my consumer report inside my letters also.
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

I XXXX XXXX from XXXX XXXX XXXX XXXX. 
Opened a citibank checking account on XX/XX/2022 in response to a bonus offer for new accounts. The offer was {$50000.00} for a {$1000.00} cash bonus. Ive met all terms and conditions and never received the bonus. Multiple inquiries have been ignored. The branch manager, XXXX XXXX at citibank XXXX XXXX XXXX XXXX NY XXXX claims she cant help. 
I see online MANY people are having the same issue as me. 
The offer seems to be fraudelant and it seems Ive been scammed
Consumer complaint received 2021-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (TX)

On XX/XX/XXXX I proceeded to send a letter requesting the verification of a credit card debt that Resurgent Capital bought, the credit card was paid, however, Resurgent Capital is reporting that I still owe a balance. By XX/XX/XXXX the company responded sending a simple bill without any signatures from my end, so I proceeded to send a follow-up letter requesting an actual verification of the debt. By XX/XX/XXXX the company sends a letter stating that I was sending duplicative correspondence and that they would not respond to my letters without additional information. On that same day ( XX/XX/XXXX ), I sent a letter that stated that the company was in Violation and that I was requesting an actual Verification of the debt. By XX/XX/XXXX the company decided to send me the exact same letter saying that they would not respond to my letters, once again I asked them for verification of the debt, but on XX/XX/XXXX they sent me the exact same letter without any verification of the debt.
Consumer complaint received 2020-09-17
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. (FL)

The loans have me late when I applied for deferment. Also I have asked over and over to validate loan it is too, too high, I don't owe that kind of money, I only have 2 XXXX XXXX. I applied for an unemployment deferment and it shows 90 days late.
Consumer complaint received 2021-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a Capital One credit card and have been an excellent customer, almost always paying my monthly statement in full. I scheduled a full payment of my most recent statement balance of {$5100.00} due XX/XX/2021. After I scheduled the payment, I received a credit of {$19000.00} from a cancellation for a reservation of a cruise. It was posted to my Capital One account on XX/XX/2021, two or three days after the cruise company issued the credit. I attempted to cancel the scheduled payment of {$5100.00}, but the website would not allow me and the payment I had scheduled no longer appeared on my Capital One web page. As of XX/XX/2021, I had a negative balance, in other words a credit of {$18000.00}. And yet, on XX/XX/2021, Capital One deducted {$5100.00} from my checking account for the balance which was obviously no longer due! I spoke with several people at Capital One who told me there essentially was little they could do. They said they could send me a check in three weeks. As a senior citizen, I believe that Capital One thinks of me as a person they can take advantage of, who is an easy mark and may not have the mental capacity to oversee my personal finances. This practice is unconscionable. They were able to deduct {$5100.00} from my checking account in seconds when they already had XXXX of my money and would not allow me to cancel a payment. They should be able to refund the money to me as quickly and should not be allowed to accept payments from anyone if the account has a negative balance larger than the amount due. I am not in the practice of supporting credit card companies.
Consumer complaint received 2021-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IL)

On XX/XX/XXXX my bill did not go through account with missed payment. I am kindly requesting COMENITY BANK/XXXX ( Opened XXXX XXXX, XXXX ) to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2018-04-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANCO POPULAR DE PUERTO RICO (FL)

I have been trying to close this account for a month. They told me to withdraw the money and I would be able to close the account. I withdrew the money and called to close the account. They said that I had to wait 5-10 for the balance to show up as XXXX. I waited and then called to close the account. These scam artists told me that I couldn't close the account because I owed {$260.00}. I told them that I was going to file a federal complaint -2 secs later the man said I know " I just checked the account and it now has a XXXX balance so I will submit the paperwork and you can call back in 5-10 more days when the account will be closed. '' That is only because I threatened to file a federal complaint. I spoke with XXXX XXXX at XXXX XXXX XXXX at XXXX on XX/XX/18 regarding claim number XXXX. If you pull the call, you will here him trying to scam me. 

This bank is probably scamming people left and right. I need this account closed! The hold time for each call is 45 minutes to an hour and a half! Every. Single. Call. 

I want this account closed and I am not paying these scammers any money to close it.
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Multiple names are reporting on my credit reports that are incorrect. My date of birth is reporting incorrectly on my credit reports. 

XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX   Multiple addresses are reporting on my credit report that is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX
Consumer complaint received 2017-08-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

ON XX/XX/XXXX MY WIFE AND I SUBMITTED A REQUEST, TO SELECT PORTFOLIO SERVICING COMP.FOR " HARDSHIP '' " MODIFICATION '' AS EXPRESSED IN THE ATTACHED LETTER BELOW " HOME UNDER WATER '' APROX. {$110000.00} ... ALSO MORTGAGE RATE IS LOCKED FIX RATE FOR 9.5 % ... .ALSO " SCHOOL TAXES '' APROX. {$7500.00} A YEAR OUT OF OUR POCKET PLUS LOCAL TAXES, PLUS COMMUNITY DUES OF {$800.00} A YEAR PLUS HOME INSURANCE, OUT OF POCKET, HOME APPRAISED VALUE IS {$130000.00} BALANCE OWED IS APROX. {$250000.00} ... ... HUSBAND IS RETIRED ON FIX INCOME ALSO WIFE WILL RETIRE IN APROX. 6 MONTHS ... LIVED IN HOME SINCE YEAR XX/XX/XXXX ... ... .GOT EQUITY LOAN NINE YEARS AGO ... ONE TIME BALANCE OF MORTGAGE NEVER GO DOWN FROM PAYMENTS  OVER THE YEARS ... TO KEEP THIS HOME WE ARE REQUESTING LENDER TO INCLUDE TAXES IN PAYMENT AND INSURANCE ... REQUESTING MONTHLY PAYMENTS TO GO FROM {$2200.00} ... ... TO PAYMENTS OF {$1600.00} ... .PER MONTH WITH TAXES AND INSURANCE INCLUDED IN MORTGAGE PAYMENTS
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MRS BPO, LLC (IN)

On XX/XX/XXXX, I received a notification of a negative action on my credit report from MRS Associates of NJ. It was from an inaccurate report of a {$280.00} balance from XXXX XXXX It dropped my score by XXXX points, which is ridiculous. I want the item removed from all 3 reporting agencies & my score restored. I canceled my XXXX XXXX subscription & they continued to bill me.
Consumer complaint received 2021-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (FL)

this has to do with all card companies .... 

SOMEONE NEEDS TO STOP THE CARD COMPANIES PRACTICES OF ADDING THE CHARGES TO ONE 'S CREDIT REPORT ALMOST IMMEDIATELY .... 

BUT COMPLETE BALANCE PAYOFFS AND PAYMENTS TAKE A MONTH OR MORE TO BE POSTED ... 

THIS IS XXXX PARDON MY XXXX  ... 

THE COMPANIES HAVE THE ABILITY TO ADD THE CHARGES THAT FAST .... 

THEN THEY ALSO HAVE THE ABILITY POST CREDITS IN THE SAME SPEEDY MATTER ... 
I LIKE CAPS NOT YELLING ... 

EVERY COMPANY DOES THIS AND IT NEEDS TO STOP ... 
DISCOVER VISA FROM ALL LENDERS MASTER CARD FROM ALL LENDERS.. 
AND THAT'S YOUR DEPARTMENT ...
Consumer complaint received 2018-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (OH)

Ncb management keeps sending me to same fraudulent information now they are saying I put in a duplicate complaint.i called them to send me a fraud packet.this is identity theft I never had an account with XXXX   .if this gets returned again I will file a lawsuit against ncb for fraud and harrassment.please stop this fraud.
Consumer complaint received 2022-04-05
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. (FL)

Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AP)

Please know that I was not late sending my payemnts to ..I wonder why Equifax report it as late when in fact payments were sent before the due date..They wont give me concrete reason as to why they wont fix this..CFPB please step up and fix XXXX  XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX , XXXX  XXXX
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (IN)

I did not give you consent to contact me or to give derogatory remarks on my credit report. I am not liable for this debt. My debt is not with CAINE WEINER. My debt is with the original company. I did not give you consent to contact me! You are in violation of my consumer protection rights. I did not sign and legal form with CAINE WEINER to attempt to collect a debt from me.

15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1681 Section 604 A Section 2 it also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) I did not give you permission to contact me in any way shape or form. 
I demand that you take all derogatory marks off all three credit reports or I will be forced to file legal action. 

Delete these accounts from my all 3 bureaus of my credit report immediately. And cease all communication via any forms of communication immediately. Also, all future attempts to collect this debt must stop. 

I dont have a written contract with your company to collect this debt and you have violated my rights for years. 

I DEMAND YOU STOP CONTACTING ME AND TAKE ALL DEROGATORY MARKS OFF ALL 3 CREDIT BUREAUS IMMEDIATELY!
Consumer complaint received 2021-04-26
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: NAVY FEDERAL CREDIT UNION (GA)

I came upon certain negative remarks on my credit report. I have asked the companies to remove the items and they have not. I have no recollection of the items and sincerely ask for them to be removed.
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (DE)

SaturdayXX/XX/XXXX woke up to 8 unauthorized monthly payments taken out of my account. Called Mr. Cooper multiple times and was either disconnected or advised to leave a call back. Even sent messages on face back. No one had gotten back to me at all and had to find out through XXXX there was even an issue.
Consumer complaint received 2021-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (OH)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2019-05-22
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC (WY)

Amerihome has been reporting to our credit incorrectly. They stated they did not receive a XX/XX/2018 payment and reported to our credit from XXXX to XXXX, when they sold our loan that we did not make payments. We faxed them our bank statement from XX/XX/2018 to XX/XX/2018 showing payment. They would not accept that paperwork and needed a transmittle from our bank showing the money was transferred and where it was transferred to. We had our bank fax the transmittle and contact Amerihome with us on a conference call to make sure this was received. They said they did see that the payment was made and would send it to an underwriter to have a letter issued for correction so we could refinance our home and be able.to have our credit report corrected. Amerihome will not write the letter with the explanation that they need to see what happened to the money on their end. I cant do anything about what they did with the money all I can show is it was paid and they will do nothing for me. This has been going on for 3 weeks.
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (IL)

Received an early morning email that an account was opened without my knowledge or consent. Called Chime and was able to close the account, but the entire process felt like a scam to get my full SSN. Was originally told this was required to close the account, when I pushed back they " settled '' for last four digits. Had already enabled a full credit freeze and fraud alert on all XXXX credit bureaus, so provided that to get them to close the account.
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY (TX)

It started when i got XXXX for the FIRST time in the middle to end of XXXX. I was out of work for a month, and i could not leave the house. Fortunately, i had enough saved up to make all my payments on time. I returned to work and because of COVID 19, my company cut my pay 20 %. Then after a month of working at less salary then i was used to, i unforunately caught XXXX AGAIN. This time i was out of work for another month, both because i was sick and as precaution. This time i could NOT afford to pay all my bills when i was out. I fell behind on a lot of things but i was able to eventually catch up 5 months later and i have been on time and going strong ever since. I even got my original pay back. I was physically unable to pay on time and because of that, financially unable to do so too. I reached out to TD Bank, who owns the Target Card, and tried to beg with them to work with me, not on late payments, i paid them ALL OF THOSE, but on their credit reporting. They not only refused, they didnt even answer me. Those late pays in those months have destroyed my credit and even though i make good money now, i can not get into a house for me and my, now, 4 kids. We have been renting and are struggling all because of COVID and this company 's unwillingness to work with me even a little bit. I am not asking for " financial relief '', they can keep those late payments as good faith, i just am begging for all, or ANY, of the late payments between XXXX XXXX and XXXX of XXXX to be removed. I know the bureaus will report what they are told so this is up to TD Bank and they seem to just not care at all about customers or the family.
Consumer complaint received 2020-11-12
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: Experian Information Solutions Inc. (TX)

I have an issue with someone else 's information reporting on my credit report with Experian. I recently discovered the problem when I applied for credit with XXXX XXXX on XX/XX/2020 and Athorize.net merchant account on XX/XX/2020. They said I had negative items and a lack of credit. When I checked my report with Experian and free annual ( attached ), there are no records that match the decline reasons. So today, XX/XX/2020, I reached out to Experian at : ( XXXX ) XXXX XXXX XXXX CST and spoke to them ; the lady verified my account and discovered that the same name with social security number ending XXXX had been mixed with my profile. She transferred me to the special service department, and I spoke to XXXX in XXXX, TX. At least that is what he said. He became very argumentative and hung up on me! He cut me off and would not allow me to explain my reasons to calling, and so forth. I personally dont think he was in the United States because I could not understand him. I have attached the call to listen to!! I am distraught that I can talk with an actual person from the United States to understand and resolve this matter.