davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-21
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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

I took a mortgage loan with XXXX on XX/XX/XXXX. The residence was sold and the loan was paid off in XX/XX/XXXX. In XX/XX/XXXX, I received a package in the mail from Bayview Mortgage who wanted me to sign and return a document about the loan. I told them that this is fraud and the loan has been paid. 

In XXXX, I applied for a building loan and was denied because Bayview and XXXX are still listed on my credit report showing late payments that can not be attributed to me, as the loan has been paid by dates shown on the report. 

I sent a Release of Mortgage to XXXX to prove that the loan was paid. An investigation was completed. Proof of the release of mortgage is attached to this complaint. 

XXXX is unreachable and Bayview insists that I still have a loan with them. In XXXX investigation it clearly states that the account balance is XXXX, and the accounts are closed. However, This loan still shows up on my credit report.
Consumer complaint received 2019-06-05
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: EQUIFAX, INC. (CT)

Let me make this clear to you, XXXX  is my student loan account but DP OF EDUC XXXX   IS NOT MY ACCOUNT!!! This issue is an existing problem which Equifax wasn't able to resolve.. Government funded loans are not allowed to be reported, this is a clear violation of the FCRA.Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX.. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please
Consumer complaint received 2016-01-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MI)

After recently pulling my own credit report, I found that XXXX is showing I opened a credit card of {$250.00} with them in XXXX XXXX and charged off in XXXX XXXX. This is not true. It 's showing that I have a balance of {$380.00}. I want proof of this. If I did ever indeed have an account with them, I want documentation of the dates opened and charged off because I did not open or charge off any accounts during that time period.
Consumer complaint received 2022-03-29
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. (DE)

I was unemployed and not receiving unemployment benefits because of the intensive wait due to the pandemic. I initially a benefit that I purchased on my credit card which is credit protection. However, my payment was reported as late. 

Per the cares act the account is supposed to report as it was prior to delinquency if arrangements were made. 

XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-08-23
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: LEXISNEXIS (AL)

OnXX/XX/XXXX I sent a certified letter to LexisNexis requesting them to validate a bankruptcy and the associated accounts on my LexisNexis credit report. I told them if they could not validate this debt, I want it removed from my credit report. On XX/XX/XXXX they received the letter. Today isXX/XX/XXXX and I have yet to get any response from them, therefore violating the 30 days they have to respond from the date it was received.
Consumer complaint received 2020-07-21
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. (FL)

I took a mortgage loan with XXXX on XX/XX/XXXX. The residence was sold and the loan was paid off in XX/XX/XXXX. In XX/XX/XXXX, I received a package in the mail from XXXX XXXX who wanted me to sign and return a document about the loan. I told them that this is fraud and the loan has been paid. 

In XXXX, I applied for a building loan and was denied because XXXX and XXXX are still listed on my credit report showing late payments that can not be attributed to me, as the loan has been paid by dates shown on the report. 

I sent a Release of Mortgage to TransUnion to prove that the loan was paid. An investigation was completed. Proof of the release of mortgage is attached to this complaint. 

XXXX is unreachable and XXXX insists that I still have a loan with them. In TransUnions investigation it clearly states that the account balance is XXXX, and the accounts are closed. However, This loan still shows up on my credit report.
Consumer complaint received 2019-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc. (CA)

I received a California Franchise Tax Board tax refund intercept notice on XX/XX/2019 mentioning my tax refund {$370.00} won't be paid because I owe the money. I never received any written notice about this debt, nor do I aware of any debt I owe to someone. On XX/XX/2019 afternoon, I made a phone call to Alliance One, the debt collector regarding to my debt. But the operator can not find any information under my name nor my husbands name. Obviously, this debt is sent to me incorrectly. And they even use XXXX to intercept my tax refund ... That's quite unbelievable. 

I sent a letter request information and let them to correct the errors on XX/XX/2019 but didn't get any reply.
Consumer complaint received 2019-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC (FL)

The apartment complex I lived in required that you pay in full your final rent before you move out, which I did. After I moved out a received an outrageous bill for cleaning of the apartment. I went back to the office to dispute the bill, the manager said that a billing error was not taking into account the last payment I had already made. She also said that there were damages ( we didnt get any proof as there were no damages to the apartment. The only damage that they could possibly claim occurred due to a leak in the plumbing ). Regardless I we wrote them a check for {$1700.00} after they determined that {$1700.00} was the correct amount for cleaning and damages. The manager supposedly as supposed to get back to me with proof of the supposed damages but she never did. The complex held the check for several months and finally cashed it in XX/XX/2018. In XX/XX/2018 they turned the account over to collections for the {$1700.00} which they collected and cashed, despite not being able to show me what supposed damages I was paying for. 

When this turned up on my credit I contacted the apartment complex and never got a returned call.
Consumer complaint received 2019-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (CA)

On XX/XX/2019 I signed up to get my credit report through Equifax for {$1.00} for a 7 day trial because the application for a business loan required it before they would submit my loan request. I cancelled that service as soon as I got the report. Somehow, I was signed up on another account and was charged {$29.00} for another credit report, without even having an email address or password. The only information I found on this was on my computer the website credentials preserves my passwords with each website. They charged me {$29.00} for the month of XXXX in spite of the numerous cancellations that they should not have been charging me for I did not authorize this payment, I want this other account closed and I want a refund on the {$29.00} plus the service charges incurred by going over my credit limit because of this bogus account, {$38.00} for over the limit fee on my XXXX Credit Card, so that is {$67.00} Equifax owes me. Also because this transaction put me {$5.00} over the {$400.00} credit limit I lost 28 points on my credit score because of this too. What I want Is A refund, any account cancelled that Equifax has with my social security number on it and compensation for the charge fees on my credit card due to this bogus fee. I also want the 28 points lost from my credit score. I have documentation of the charge to my credit card and that this one transaction caused me to exceed my limit, thus incurring a service charge.
Consumer complaint received 2020-08-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

My Chase account is frozen and Chase will not close my account until I visit the branch. I do not want to visit the branch because of the ongoing pandemic. I have {$5000.00} and they are holding it XXXX. Please have them close my account and mail my check.
Consumer complaint received 2019-06-05
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. (OH)

I've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reporting XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-26
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)

I check my credit report and notice some things that does not belong to me. These accounts are really affecting my Credit standing and a chance of getting a card approval. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

-XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX -XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX -XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2016-11-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MA)

To whom it may concern ; I have an account with XXXX XXXX XXXX XXXX that has been compromised via fraudulent and unauthorized activity. I first became aware of this on XXXX XXXX and contacted my card issuer accordingly. I made a payment, disputed these unauthorized transactions and then proceeded to close the account permanently. The current information reporting on my credit file with Experian is wrong on multiple levels ; 1. The account is not open, it has been closed by me. 
2. The balance on the account is reporting inaccurately. 
3. The status should also read that it is currently under dispute for fraudulent charges to the account. 

I am attaching my identification ( DL & SS Card ) along with an image proving that I have contacted XXXX about these unauthorized charges along with the confirmation number they gave me. 

Would you please update my credit file, once you have completed your investigation accordingly, to reflect your findings? I am confident you will see your findings and my statement will fall in line accurately. 


ACCOUNT ****XXXX XXXX XXXX XXXX ( XXXX credit card ) Account # : XXXX Date opened : XX/XX/2016 Limit : {$4000.00} Please feel free to reach out to me if I can be of any further assistance in helping you to expedite this matter. I can be reached absolutely anytime at XXXX XXXX XXXX XXXX. As always, thank you kindly for your help with this matter.
Consumer complaint received 2021-07-16
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: DISCOVER BANK (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

2. Identity Theft DISCOVERBANK Account Number : XXXX  This is not mine.
Consumer complaint received 2020-07-21
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (GA)

My credit score has been severely negatively impacted from Ford Credit reporting 30 days past late on my payment history for my XXXX XXXX  XXXXI have a XXXX XXXX  XXXX, as well as a XXXX Ford XXXX with Ford Credit and at the end of XX/XX/XXXX I requested a payment extension for both vehicles therefore my XX/XX/XXXX payment was not due. When i log into the new account manager.ford. com website I see that the payment extension is only showing for my XXXX XXXX  XXXX and not my XXXX XXXX  XXXX  even though i requested the extension for both vehicles.
Consumer complaint received 2019-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a bank of America small business credit card that I had requested to close. However it was not never processed and the bank charged me the annual fee and late payment fee for XXXX ( from XX/XX/XXXX till XX/XX/XXXX ). I was out of USA during this period and once I returned I visited the branch in XXXX CA multiple times to get this resolved. I was told the charges will be removed but never got these removed so far. Hence I am raising the complain.
Consumer complaint received 2017-04-03
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A. ()

I am an international customer of Citi and have both a Day to Day Savings account and a Basic Checking account for which I had online access till the end of XX/XX/XXXX year. During XX/XX/XXXX I lost the ATM card ( Citicard ) and since the end of XX/XX/XXXX it is not posible to login online without the Citicard number so I requested Citicard replacements several times, however I never received any of them. In XX/XX/XXXX, branch manager XXXX XXXX stated she mailed me a replacement Citicard but never got it. Later, at the end of XX/XX/XXXX year I asked again a replacement Citicard via the Call Center ( answered from The XXXX ) and I did not either receive it. Then I controlled that my international mailing address was correct and in theory the Citicard was mailed to my mailing address on file with Citi. It is to point out that the ATM/debit card or Citicard has to be issued and mailed free of charge to customers and all times was ensured it had no cost or fee. My Citi branch is the one located at XXXX, NY XXXX and this submission is a help request to Citi more than a complaint.
Consumer complaint received 2020-08-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (OH)

Wayfair shipped to incorrect address. Wayfair had XXXX  to pick up and return but my account has not been credi and they have their merchandise. 

I have contacted the merchant and Comenity Bank
Consumer complaint received 2020-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I opened a credit card years ago with HSBC. Due to a problem with automatic payment of my credit card in late XX/XX/2019, I realized from an email that I was late on one payment. I promptly contacted HSBC and was asked by a representative to pay {$100.00} in fees. He then told me that would resolve the issue. I paid and didn't get any more emails aboutthis totoday. After that time I didn't use my credit card anymore. I contacted my XXXX  relationship manager around that time ( I have $ XXXX with HSBC ) to have the fees removed but didn't get any answer. I didn't receive any physical mail about this ( unless it was stolen, which happened in my building a lot in the past but is unlikely today ). 

In XX/XX/XXXX I got stuck abroad for 8 weeks and got sick. I checked my account from abroad on the HSBC website and saw that the account was open with new fees. I called HSBC from abroad but couldn't wait for 2 hours to talk to someone. I left a message on the HSBC website asking for a callback that never came. As soon as I flew back to the US I  called HSBC. The call center said that the account was closed long ago and was delinquent. On top of that, my credit score is ruined even though I was never told the account was closed ( to that day I can see it on the website ), and I got no email or communication about this. 

I tried to resolve that issue with my XXXX relationship manager however he deflects and is not helpful. I was told 4 weeks ago that I would be contacted but this has not happened yet. In conclusion, despite being a XXXX client with more than $ XXXX in my savings account ( so ability to pay is certainly not a problem ), HSBC has added fees and taken actions that hurt my financial well-being without informing me and didn't give me the ability to correct ( no email about this after I paid the requested {$100.00} fee, no message on the website, no contact from my XXXX relationship manager about this, no mail ). 

I've attached all the emails I got from HSBC. The past due payment is clearly shown in XX/XX/2019. But after that no further email. I've also attached a picture of my accounts - basically from the website it really looks like the account is still open even today!
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (IN)

I had an American Express opened since XXXX I used this card than fraudulent case happened and I have filled for fraud and do to XXXX I can not pay the amount. I have filed a fraud case for {$21000.00} my card was stolen oversea and customer service department fraud department in American Express know this. The credit team decided to close my account while I have fraud opened i will not pay a cent until my account is opened. 

Kind regards XXXX XXXX XXXX
Consumer complaint received 2020-07-21
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: Experian Information Solutions Inc. (TX)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of  the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2020-07-21
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: EQUIFAX, INC. (TX)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2021-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (GA)

I have disputed this collection company with XXXX, XXXX  and XXXX  that this company is fraudulent reporting this collection account to my credit report. I sent the documents to XXXX  that I asked for this company to verify the debt and documents given did NOT validate that I EVER had ANY ACCOUNT with this company but with another company. I need for this to be immediately removed for all of the credit bureaus listed above
Consumer complaint received 2020-07-21
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)

ftc violations wrong addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX accounts : not mine XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Auto Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 75 Months Monthly Payment {$590.00} Responsibility Individual Account. 
Balance XX/XX/XXXX Creditor Name XXXX/XXXX XXXX   Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$500.00} Term -- Monthly Payment XX/XX/XXXX Creditor Name XXXX/XXXX Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$2300.00} Term Creditor Name XXXX XXXX/XXXX Account Type Telecommunications/Cellular Account Status Closed Opened Date XX/XX/XXXX Closed Date -- XXXX XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$700.00} Creditor Name XXXX  - XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$300.00} Term -- XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$700.00} Term -- XXXX   XXXX XXXX Account Type Auto Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit XX/XX/XXXX Creditor Name XXXX XXXX Account Type Credit Card Account Status Closed - Paid Opened Date XX/XX/XXXX Closed Date -- Limit {$400.00} Term -- Monthly Payment -- XX/XX/XXXX Creditor Name XXXX Account Type Unsecured Loan Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 12 Months Monthly Payment {$0.00} Responsibility Individual Accoun XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX TX Status Open Opened Date XX/XX/XXXX Closed Date