davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-24
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY IDENTITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME WITHOUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (WA)

I have requested Citibank the issuer of my CITI Thankyou Preferred master card to resolve my access to my online account so that I can view my online bills, make payments and access other rewards/points services associated with the account. 

The issue has been unresolved and my only access to bill statement is via my bank through which I have signed to receive ebill statements. 

The primary issue in resetting access to the online account is due to the fact the number registed with my account is a voip ( voice over IP ) number and is not a cell number which can receive text messages. Even though citi reset links on it web page provide the " call me " options, it doesn't operate as advertised and treats it as a textable number. 

On numerous occasions citi 's customer support denied to update the number to a cell number to resolve the issue or provide alternate means to resolve the issue for eg. a reset option via US postal service to the customer address on file. 

When the customer support did walk through the process of updating the record with the cell number it did not reflect on the website reset options. The customer support suggestion to create a new online account/identity is not supported by https : //www.citi.com/credit-cards/home for an existing registered identity associated with the card holder. 

I had also posted via certified mail a letter to Citibank Customer Service XXXX. XXXX XXXX XXXX XXXX, SD XXXX on XX/XX/2020 which did not elicit any response. 

At this point I am left with no recourse but to file a complaint with consumer finance.gov.
Consumer complaint received 2022-04-28
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)

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 and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-12-09
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXXXXXX {$8.00} XXXX XXXXXXXX {$0.00} XXXX {$2000.00} XXXX {$3600.00} XXXX {$2000.00} XXXX {$3600.00} XXXX {$4000.00} XXXX {$6900.00} XXXX XXXXXXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX XXXX XXXXXXXX {$1700.00}
Consumer complaint received 2021-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX, Bank of America closed two of my credit card accounts in good standing without consultation or prior notification. I have never been late on a payment or carried a balance. One of the cards was subject to an annual fee as well, which I paid around XX/XX/2021 ( 4 months ago ). Bank of America refused to reopen my accounts, which negatively impacts my credit. Moreover, after calling, Bank of America refused to refund my annual fee despite the fact that fee was meant for a whole year.
Consumer complaint received 2020-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information in 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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-07-20
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. (TX)

FCRA VIOLATION BK OF MISSOURI/TOTAL CARD Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed. {$420.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} Status Repossession. {$12000.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1800.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-20
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. (AZ)

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-10-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (CT)

I never received replacement card from American Express Serve. In order to close the account one needs a current activated card as that information is required to utilize their voice response system or website. The XXXX support number supplied hangs up if I can not supply the 4 digit CVV number which I do not have since I never received the replacement card. There is no way to get an agent on the phone. When I request a replacement card the system responds with " sorry technical difficulties ''. My ultimate goal is to close the account and get the slightly less than {$1000.00} returned to me. All avenues to do this will not work, phone or online app.
Consumer complaint received 2018-03-04
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. (TN)

US BKPT CT TN XXXX XXXX XX/XX/XXXX I've disputed this account with all three credit bureaus. Nothing has happened. 

I didn't authorize the following inquiries on my accounts. 

XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-07-05
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. (NY)

The following late payments are billing errors pursuant to 15 USC 1666b.

Under the GLB Act of 1999 nonpublic information such as late payments shouldn't be disclosed to any non affiliated third party such as credit reporting agency without my lawful consent 15 u.s.c 6802 --
Consumer complaint received 2020-11-24
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Shellpoint Partners, LLC (FL)

I am not sure if you actually do anything but I will try once more. I made a complaint about Shellpoint Mortgage and you sent them a letter. They responded by saying that they needed some more time and were working on it. You seemed to think this was an adequate response. Would it help if I told you that in the three years company has failed to resolve this problem they have sent me approximately 30 letters stating the exact same thing? 

I have many of them still in my file. 

Do you think that sending numerous exact letters in 3 years is enough time to resolve this? 

Sincerely, XXXX XXXX
Consumer complaint received 2022-01-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (MI)

First of all Ive tried multiple times to contact PayPal by phone and online. All attempts are without success because everything is automated. I cant talk to a live person employee. Im having trouble with income because of the pandemic and loss of business and income. 

Over the Past three months Ive been charged interest fees on XX/XX/XXXX for {$9.00}. XX/XX/XXXX interest charge {$30.00}. XX/XX/XXXX {$40.00}. XX/XX/XXXX {$9.00}. XX/XX/XXXX interest charge {$30.00}. XX/XX/XXXX {$40.00}. XX/XX/XXXX {$9.00}. XX/XX/XXXX {$32.00} interest charge. XX/XX/XXXX {$40.00} late fee. 

They lower my credit limit without warning and charge me an excess amount of fees again for being over the credit limit. Again I call and call customer service. Either waiting for XXXX minutes without answer or agent answers and hangs up on another attempt to reach customer service. 

Im getting completely buried financially by this company. I have no means or options to get help, or any type of assistance. I dont know how a business can operate with no regards or options for myself the consumer. Now Im faced with {$300.00} minimum payment requirements and Im trying to catch up financially after a long finically income drop off with the pandemic rules and regulations. 

If I cant get ahold of anyone at PayPal, I cant explain my situation, I cant work on a solution to recover from this type of fees, late charges and penalties. Im not seeing my 100 % on time payment record on my credit report being ruined now because of their late payments they reported. I feel like no customer should ever be exploited like this in America by and company. I need help. I need protection from this companys exploitation and unfair reckless behavior. This could have been avoided if communication was made. Setting up payment arrangements or reduced minimum payments or recommendations on a resolution.

Ive been completely left in the dark, Im getting charged with fees that Im not even able to understand. I can not ask PayPal. Instead of any type of communication Im being threatened with emails and statements that I cant respond or ask questions about.
Consumer complaint received 2022-02-01
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. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax, and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Consumer complaint received 2021-10-22
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)

After i noticed this Random account being repoted to my Consumer Report I Contacted Transunion via Phone XX/XX/2021 to notify them of the Adverse item. The Representative was unable to assist me even after i notified them of the specefic account that was being reported inaccurately. they were completey ignorant to the law. on XX/XX/XXXX i wrote the company notifying them of the Law Codes they were in violation of & i have not heard anything back from them..
Consumer complaint received 2020-11-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (PA)

Received a " reduced balance opportunity '' notice from Convergent Outsourcing , Inc. regarding an alleged debt from XXXX for {$4600.00}. I have never had an account with XXXX and I told this woman who answered, who identified herself as XXXX XXXX. When I was going through the prompts and asked for an agent, it then asked why I wanted an agent I replied that I thought it was fraud. After going through account numbers, etc., I told her I never had a XXXX account. She immediately replied that it was probably " identity theft ''. She then said she would send me a " fraud packet '' and that I would need to file a police report, and then return the packet and police report. Supposedly this will arrive in 7-10 days. 

The " offer '' is : " We have been authorized to accept payment of 60 % of the total balance, which is {$2700.00}, in exchange for which XXXX will recall your account and cease all collection activity. If you are interested in taking advantage of this offer, call our office within 14 days of the date of this letter. Please note that this is not an offer to accept 60 % of your debt as payment in full, but an offer for XXXX to remove your account from further collection efforts. We are not obligated to renew this offer. '' There has been no " collection activity ''. This is a scam. 


There are two addresses on the " letter '' : Convergent Outsourcing , Inc . 
XXXX XXXX XXXX XXXX WA XXXX and XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2021-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (IL)

I refinanced my home in XX/XX/XXXX and the loan was transferred to AmeriHome Mortgage. During this time, I paid {$670.00} per month to my impound ( escrow ) account. However, AmeriHome did NOT pay my property taxes when they were due in XXXX, and again by XX/XX/XXXX. It was not until I decided to sell my condo that my attorney told me my taxes were not paid at all this year, and I had over {$9000.00} in my escrow account. According to my terms, the taxes should have been paid by AmeriHome. 

On XX/XX/XXXX, my loan was sold to XXXX XXXX. XXXX paid my taxes from my escrow account, but I was still charged {$270.00} by the XXXX County Assessor in interest. I called AmeriHome to try to get that money refunded to me, but they told me XXXX is servicing my loan now, and I needed to call them. 

I called XXXX on XX/XX/XXXX, and they were unable to refund my {$270.00} as it was not under their control and it was not their mistake. 

I just want to get my {$270.00} that I was penalized as it was no fault of my own that caused the taxes to be delinquent.
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I submitted my complaint and evidence to the credit agency stating my concern about the transgressions of my score based on false reporting and received no solution to rectify my problems and then they continued to report missed payments inaccurately and have no moral complicity in lowering my score over 90 points over the last 30 days. Even with evidence provided and disputes submitted.
Consumer complaint received 2021-10-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (OH)

I have a collections account on my file that I have never done business with from I C SYSTEM INC # XXXX. I DEMAND PROOF of OWNERSHIP on this unverified account or some type of verification. I have some fraud on my file so I am taking every precaution I can to protect the integrity of my credit file.
Consumer complaint received 2022-04-28
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: M&T BANK CORPORATION (NY)

It is ridiculous that M & T Bank doesn't allow someone to set up automatic bank transfers to make sure a loan payment is payed on time. This is a predatory practice so that M & T Bank can collect late fees from the less fortunate. By making someone need to print off a form and Mail it, it creates an undue burden for people. As a XXXX service member it is difficult to reach back and make sure payments are made timely.
Consumer complaint received 2021-03-01
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. (CA)

XXXX XXXX Accounts # XXXX This account has been paid and closed since 2019 but my Equifax report is still showing that it is open with a balance. How can this be? XX/XX/XXXXand XXXX are reporting the account closed. This inaccurate information is preventing me from getting the credit I deserve and it needs to be removed immediately!
Consumer complaint received 2021-06-02
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. (NC)

I am having the hardest time trying to deal with Equifax. I have been in contact with them for the last 6 months. They have been trying to ignore me and stall this whole situation. XXXX  and XXXX  has removed these accounts because they violated my consumer rights. I demand that Equifax follow the law and to remove these inaccurate accounts from my credit report because they are violating my consumer rights. 

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit.

Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41.

1. XXXX XXXX XXXX  2. XXXX XXXX XXXX 3. XXXX  4. DXXXX XXXX XXXX 5. XXXX
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, 45 days later, I have not received a accurate response. I have requested supporting documentation to support their reason to keep fraudulent information on my credit report and they have not sent me any investigation results supporting why these accounts are on my credit report. I am being taken advantage of by the credit bureaus and this information is being ignored.this is now my second complaint to try and resolve this matter. Section 611 ( a ) states that failure to investigate items within 30 days gives reason to immediately remove from my credit report. I demand these fraudulent accounts be deleted. My information was also impacted by the XXXX and XXXX breach as well. There are even creditors who are investigating and admitting the account is not mine. Which i have attached as well.
Consumer complaint received 2022-10-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: McCarthy, Burgess & Wolff, Inc. (OK)

The company XXXX called me and informed me that I had to return the equipment that was installed on top of the house. I stated to them that the company came and installed it and I am XXXX and I will not be able to climb atop house. I did not put it up there and I do not believe I should be responsible for taking it down. No where in my agreement did it say that. They continued to tell me that I needed to contact someone to come and remove it or they could send someone out from a fee. I disagreed and I continue to stand firmly on the statement. Their company came and installed it.