davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
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. (TX)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2023-03-28
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. (MD)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2016-09-28
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (NY)

I have a Home Depot credit card through XXXX, and I have opted for online statements. I have a balance on it, and I have an overdue payment. The payment of {$55.00} was due XXXX XXXX, so I am two weeks late. On XXXX XXXX I went online to schedule a payment. The online statement showed {$130.00} due on XXXX XXXX. The amount of {$130.00} includes the XXXX payment, a late fee and the XXXX payment. I scheduled a payment of {$130.00} for XXXX XXXX. On XXXX XXXX Home Depot blocked my online access and shut off my credit card. I had no notice of this action until I attempted to use the card to purchase supplies. The store was unable to access my account, and I am no longer able to access my account online. The cashier called the credit line and I spoke at length to the Credit Dept representative. I have additional credit available on my XXXX credit card, and I have a payment scheduled in 3 days for the past due and the current amount. But I ca n't access my card online, and I ca n't use the credit that 's supposed to be available to me. I told them this is an unreasonable policy because 1. the statement merely says that the past due and current payment are due on XXXX XXXX, and 2. they already charged me a late fee on that statement. The statement gives no information about shutting off access to credit. I 'm trying to run a business and need these supplies immediately for a major event in two days. Is this policy legal?
Consumer complaint received 2022-02-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2017-02-27
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (WI)

My credit card issuer, XXXX, assessed my account with late payment fees of {$25.00} on XX/XX/XXXX, {$35.00} on XX/XX/XXXX and {$35.00} on XX/XX/XXXX which were all a direct result of XXXX 's payment system being unavailable to access requests from XXXX and their Customer Care Agents providing incorrect payment processing information. In speaking with their Internet technical support services staff 3 days prior to the initial fee assessment they informed me that they were not able to provide an alternative and advised me to contact the XXXX 's Customer Service telephone line during regular business hours. They assured me that my access attempts and phone call were logged and that the matter would be rectified without penalty. In following up with a phone call to an Account Manger on XX/XX/XXXX I attempted to dispute the prior assessed late fee and also requested to have my current payment due processed by phone and also have future payments automatically drawn from my checking account - none of which was done properly. 

In following up with the account management team on XX/XX/XXXX I learned that the likely reason for the miscommunication was that the support services staff, which was recently outsourced, was not familiar with the newly implemented procedures. 

I 've been a customer for approximately 15 years and only within the last 12 months have I encountered repeated billing and payment issues but early on I was able to reach an " on-shore '' representative which took the time to research my issues, provide guidance and prompt service. Unfortunately, and as of late, there is no follow up from any of the account managers nor responses to letters or phone calls.
Consumer complaint received 2017-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (ID)

the bank is supposed to honor a {$200.00} new account bonus, as long as i has a direct deposit from a paycheck. 

I have contacted the bank probably 5-6 times, and i have already submitted a CFPB complaint. 

The company 's response to my last CFPB complaint is invalid. They are advizing that my " direct deposits '' do not qualify - yet they have no valid reason to say this. Their frontline reps already tried telling me the direct deposits are not valid - when i showed them pay stubs from an employer, they came up with a new reason of why i do not qualify for the bonus. So, BMO already has my pay stubs on file, yet they are asking to see them again. What is going on? - EXPLAIN TO ME HOW MY DIRECT DEPOSITS DO NOT QUALIFY????????????? ON WHAT BASIS ARE YOU SAYING THIS??????????????????????????????????? READ YOUR OWN REQUIREMENTS, COMPARE IT TO THE PAY STUBS THAT YOU ALREADY HAVE ON FILE, AND EXPLAIN TO ME HOW YOUR REQUIREMENTS WERE NOT MET!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

This is a copy and paste from their response to my previous cfpb complaint : " Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. We reserve the right to request documentation that the direct deposits qualify. '' P.S.
If you are going to try to deny my the bonus once again, i kindly ask that you read the emails ive already sent your company. Like ive already mentioned, youve come up with 5-6 completely false excuses to deny the bonus - each time i have replied to your company, disproving the excuse, and then you just come up with a new one.
Your company 's response to my previous CFPB complaint was already disproven in my 2nd of 3rd email to your company. Please respect my time as well as your time and read the emails so that you dont try using an excuse that has already been disproven.
P.S.S : i am attaching a copy of one of the pay stubs which proves the direct deposit come from an employer. BMO Harris has on their records this deposit, as well as the 2nd deposit  from the same employer which makes me qualify for the {$200.00} bonus becuase both deposits are mroe tahn {$300.00} and happened within 90 days of account open.
Consumer complaint received 2016-12-11
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (TX)

Have an account in collections. I have informed them multiple times that they are calling a prepaid phone that costs me XXXX to use and that it 's inconvenient for me to receive calls because of this. Receiving calls up to 8 times a day despite this. 

In my state, FDCPA applies to both original and third party collectors.
Consumer complaint received 2015-05-19
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America is listing an account on my report but can not 'validate the debt '. 
This reporting appeared on my report sometime during XXXX od XXXX, shows that it was a charge off in XXXX of XXXX, nothing done for years, and now shows charge off status every month since XXXX of XXXX. This makes me look as though I am currently in default. 
The only BofA card I has was account number XXXX and was closed in good standing back in XXXX. The account number listed on the report in not only unfamiliar to me but BofA, in a phone conversation on XXXX XXXX, XXXX, the representative stated that BofA changed the account number once the account went to charge off status. She also verified that my original account, XXXX, was closed at my request and was in good standing upon closure. After several attempts to find an answer for me, while placing me on hold, she finally stated that they could n't find any statements past XXXX but the account was supposedly opened in XXXX and they do not know where the account came from. Furthermore, they can not provide me any documents that would validate this debt. 
Also, they reported the charge off to the IRS in XXXX which caused me to have to re-file my tax return and was charged many dollars in late penalties.
Consumer complaint received 2022-02-16
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: CORELOGIC INC (FL)

It has come to my attention that Core Logic has credit file/credit report with my information on it. I never gave this company any written instruction to furnish a report on my behalf. This is a direct violation of my federally protected consumer rights. I never gave permission to furnish a consumer report with my information to anyone. They never asked for permission from me. Core Logic has personal and private nonpublic information about me and I feel completely violated. How and why do I have to prove to someone else that I am who I say I am, but any 'person ', as described in 15 USC 1681a, that gets my social security number, credit card as described 15 USC 1681a ( r ) ( 2 ), and goes to a credit reporting agency can place anything on my consumer report without the permission, this is a direct violation of 15 USC 1681b ( a ) ( 2 ). In the attached paperwork there is a section to 'opt out ' but the problem is i never opted in! This has completely XXXX me out and this has taken a toll on my XXXX XXXX. They have violated my privacy and I do not feel comfortable knowing my personal nonpublic information is just out there. Why are these companies able to get personal nonpublic information on consumers if it is a violation of their federally protected consumer rights.
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I have XXXX public records listed on me credit report with Equifax. I have requested that information be verified that it belongs to me. After multiple reply from Equifax indicating that they have verified the information. Which turns out to be not correct at all. I contacted the courts that reported the information. The information is not correct as well as I was told by court that it is against there policy to verify any accounts by phone or mail. The only way to verify account is go to court records in person. Equifax has not done this and should not be reporting the information because I have asked for proof of ownership. and required by law they need to provide. They have not verified the information in any way. No rep of equifax has been to courts. This should be removed from my credit file ASAP. They are breaking the law and things need to change.
Consumer complaint received 2015-10-16
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (NY)

Chase bank issued a loan modification to my former husband. Our legal separation document declares that the property is now his and he has to either refinance in his own name or sell the property. Instead he declared bankruptcy ( chap XXXX ) and as part of the plan modified the mortgage without my signature or consent. Before that the mortgage had nearly been in foreclosure. This was in the Fall of 2012. My ex husband has been paying the reduced mortgage payment since. The account is up to date. 
Chase will not update the information for credit reporting purposes saying that it because there is a bankruptcy in process. IT IS NOT MY BANKRUPTCY. My credit score is very low because of this and the near foreclosure. My interest rates are high and I can not get a mortgage of my own and I have to rent. Chase will not remove my name from this account even though it is no longer the mortgage that I initially agreed to.
Consumer complaint received 2022-02-16
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. (CA)

Hi, my name is XXXX XXXX. On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-02-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

Good Morning Select Portfolio Servicing was my mortgage lender they are big time scam artists, I sold my house on XX/XX/2021, I had a payoff letter that stated I owed my payoff at XXXX that I gave to my closing agent and when my closing agent confirmed with Select Portfolio they jumped up the price of payoff by XXXX for no reason, they tried to hit me with everything the Governor stated they couldn't because of XXXX and I am still waiting on a refund check from closing, every time I spoke to someone in the Ombudsman office the amounts changed and nobody was on the same page, I even wrote to the CEO of Select Portfolio who told the Reps to solve the case, they waived some charges per the CEO but the actual Reps in the Ombudsman office went against that and put those charges back on my account, I am really getting tired of these mortgage lenders scamming consumers of their hard earned money. I don't have my old account number but I can give you my social security number I am XXXX XXXX XXXX and I don't need this aggravation I am owed XXXX and I want my refund sent to me or my daughter XXXX who takes care of all my finances, I shouldn't say a refund what it is actually is the correct payoff amount I overpaid my payoff by XXXX and Select Portfolio will lie through their teeth to not send me my money, they ripped a lot of people off during the covid pandemic and they also have many many law suits against them you might want to check out while you are investigating this matter. I need my money returned to me that they scammed me out of and lots of other people as well. I was referred to you by a reliable source and they told me you go after scamming mortgage lenders and I am hoping you can resolve this matter for me and get me my money back Thank you XXXX XXXX XXXX XXXX and my daughter XXXX XXXX who is also on the deed of that property who handles the finances of that property
Consumer complaint received 2019-06-03
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 am extremely concerned about the actions the credit bureaus are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own the accounts ... CFPB step up and remove the following XXXX XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Progressive Financial Services, Inc. (CA)

I just started phone service with XXXX XXXX and this is the telephone that was assigned to me. I informed Progressive Financial Services that this was a new number to me and to please stop calling because I am not the person that they are looking for. They still have n't stopped calling. 
Their number is XXXX
Consumer complaint received 2015-06-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Business Bureau (GA)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
Consumer complaint received 2023-07-28
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: LEXISNEXIS (OH)

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 15 USC 1681.

The letters are stated with items and issues.

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 seven 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 2015-06-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (NY)

To whom it may concern. In contacting the original creditor XXXX XXXX and Contacting a collecting agency who acquired my debt. There is no record on file showing they own a debt I need this removed as this is damaging my credit history.
Consumer complaint received 2015-10-29
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

My ex-wife opened a credit card in my name with XXXX XXXX without my knowledge. The account went to collections and a judgement was awarded in XXXX County WV XX/XX/XXXX. The account was paid XX/XX/XXXX but a release of the judgement has not been sent to the court. The account was transferred from XXXX to Capitol One Bank before it was paid and I am told Capitol One is responsible for the release. They gave a lawyer a letter stating the debt paid however they have not submitted the proper paperwork to release the debt.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/24 a letter was sent to Transunion discussing a few late payments that i needed to dispute and they have received my letter per my records and have yet to respond and acknowledge my request i also sent all necessary documents to identify myself.
Consumer complaint received 2022-09-07
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. (WI)

On XX/XX/XXXX and XX/XX/XXXX I sent XXXX letters asking the consumer credit bureau to delete an account from my XXXX credit file. XXXX did not delete the account from my credit file. I sent XXXX a settlement letter I received from the creditor. In the letter, the creditor stated that if I had paid the reduced balance in full on, or before the expiration date, the creditor would agree to delete the account from my credit file. The creditor agreed that I'll pay XXXX on, or before XX/XX/XXXX in exchange to delete the account from my credit file. I paid the creditor in full XXXX with the first payment beginning on XX/XX/XXXX and the final payment on XX/XX/XXXX, before the expiration date. Attached to this statement is the entire transaction history of the payments made by me to the creditor, I also sent the transaction history to XXXX on XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2016-05-09
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NY)

Hi, I have been a citi card holder for many years. Just XX/XX/XXXX, I paid my card on Monday instead of Friday, while I always pay off my card in full. They hit me with {$770.00} for a balance of roughly XXXX. I have called them many times, they tell me there is no one to talk to. 

THERE IS NO ONE TO TALK TO, THIS IS RIDICULOUS!!!!!