davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (NY)

XXXX XXXX did not notify me before sold my debt to a law firm who is suing me now with portfolio refused to remove the account from my credit report after the account was sold to XXXX and XXXX. Both agency did not contact me I found out through the XXXX county court and my court date is XX/XX/2020.
Consumer complaint received 2019-11-09
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: CITIBANK, N.A. (TX)

They are still trying to collect after 21 years. They say the account is open. And I owe {$1400.00} but have available credit of {$9600.00}. I have not oaid on that since XX/XX/2000.
Consumer complaint received 2018-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Hunt & Henriques (CA)

HUNT AND HENRIQUES HAS FURNISHED 2 LIENS ON MY PROPERTY FOR THE DEBT THAT WAS DISCHARGED IN BK AND NOW REFUSING TO REMOVE IT OR TO ISSUE LIEN RELEASE CONFIRMATION ... I ATTEMPTED TO CONTACT THEM SEVERAL TIMES BUT ALL MY EFFORTS WERE IGNORED BY HUNT AND HENRIQUES AND BY DEPARTMENT STORES XXXX XXXX PLEASE HELP
Consumer complaint received 2017-12-29
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. (SC)

Account Number-XXXX This account is on my credit for {$3500.00} for XXXX XXXX, which I do not owe.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I was notified my data had been breached at Equifax. A temporary freeze was placed on my account. I have tried multiple times to remove the temporary freeze to allow me to refinance my home. The lender will not process my loan because he can not get the Equifax credit score. I have tried at least five time on different days to remove the freeze through the website to no avail. I have called them on different days to no avail and the line was repeatedly disconnected. On XXXX XXXX, I did get to speak with XXXX and she said she could not do anything by telephone. I explained the website did not work and had tried multiple days she told me I would have to continue to try. I explained why I needed it removed and she said she could not do anything. I asked for a supervisor and XXXX told me all she could do was for me to go online to " XXXX '' for more information to remove the freeze which is of course does not help remove a freeze.
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (GA)

I contacted the company on XX/XX/2020 and sfvised them that all three credit agencies XXXX, XXXX XXXX and XXXX  were all reflecting this as an open loan that was paid off in XXXX - XX/XX/2020 and they should update their file. However, they refused and told me to do so.
Consumer complaint received 2019-11-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery did not notify me before sold my debt to a law firm who is suing me now with portfolio refused to remove the account from my credit report after the account was sold to XXXX and XXXX. Both agency did not contact me I found out through the XXXX  county court and my court date is XX/XX/2020.
Consumer complaint received 2019-11-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I deposit {$350.00} into CitiBank ATM machine on XX/XX/2019 at XXXX. The cash jam, the ATM issue a receipt said " I am sorry, because of technical problem, I can not return your cash right now ''. Contact citibank on XX/XX/2019, a temporary {$350.00} credit was issued. Received letter from Citibank on XX/XX/2019 said case closed due to insufficient evidence. Yet the only evidence I could provide is the receipt from ATM. At least it proved at least 1 bill was deposit and get struck.
Consumer complaint received 2018-09-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (IN)

The loan application process and funding was done with ease. Shouldve known it was too good to be true. I usually pay my bills 1-2 months ahead. Lending Club is the ONLY creditor that refuses to accept early payments. They start sending bill notices 15-days early so after my second notice for my XX/XX/XXXX payment, I made a payment 1 day early on XX/XX/XXXX. These idiots applied the entire payment to principal curtailment then sent me a late notice for XX/XX/XXXX After I realized they misapplied my payment, I called but the rep and his manager refused to reverse and reapply it correctly. Manager XXXX ( No unique ID, just the only XXXX employed there ) said its not their fault I paid 1-day early and therefore they cant reverse the payment! This is unacceptable and the entire company should be investigated. If they did this to me, I can only imaging what theyre doing to other customers.
Consumer complaint received 2017-09-15
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: AMERICAN EXPRESS COMPANY (FL)

American Express is reporting accounts on my credit report. Accounts I never opened with them and never gave them any permission. I have never had or opened ANY AmericanExpress cards in my entire life. These accounts should have never been added to my credit report in any shape or form.
On top of this they are showing many accounts as a duplicate. For example, they are showing one of the cards 4 times in a duplicate fashion.
This is preventing me from getting loans that are very sensitive to number of opened accounts in the last 10 months, and AmericanExpress is showing more than 7!
Consumer complaint received 2017-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC. (VA)

On XXXX XXXX, XXXX, I opened a disputed debit card transaction. Since this time, I have sent four secure messages, and made multiple calls to check the status of the dispute. Each time, I have been told that it will be resolved within 10 business days. Since 10 business days have elapsed, I was told that the claim would be escalated and I would receive a call within 24 hours if additional information was needed. I was told this on XXXX/XXXX/XXXX and as of now have not received any calls from the bank regarding the status of my dispute.
Consumer complaint received 2020-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-11-08
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 (NY)

these companies are coming up on my credit report as a hard inquiries. 
I never had any communication with these companies. I would like some help reaching out to theme I've tried numerous time to get in touch and haven't had any luck. All these companies show the same month and very close dates.
Consumer complaint received 2021-04-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: American Financial Network Inc. (VA)

The lender paid my property taxes late, and this resulted in an overpayment to XXXX XXXX County, VA. By the time the lender had paid, the delinquent amount had been paid by my closing company for a refinance. The County confirmed they had sent two checks ( returning the funds sent by AFN/XXXX ) to AFN/XXXX on XXXX XXXX and XXXX XXXX for {$54.00} and {$5000.00} respectively. I have repeatedly contacted AFN since mid-XXXX, with the most recent attempt on XXXX XXXX XXXX. They refuse to refund the returned amount stating they do not have a record of receiving it. My account with them is closed ( effective XXXX XX/XX/XXXX when the settlement company paid the loan off for the re-fi ) since my re-fi is final ; and I have received the balance of my escrow ( minus the amounts above ). I have given AFN/XXXX  the check numbers ( # XXXX - {$5000.00} ; # XXXX {$54.00} ), the county returned along with the dates and amounts. AFN refuses to refund the {$5100.00}. 

Lender : American Financial Network XXXX XXXX XXXX XXXX, NJ XXXX Loan # XXXX Customer Service : XXXX https : //afncorp.loanadministration.com Homeowner and Property address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2019-11-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (NC)

Over the past 2 weeks, I have been receiving excessive amounts of telephone calls from the company listed in this complaint. The calls occur between XXXX XXXX and XXXX XXXX to my cell and at my job. The company does not have the right to harass me at work and I want this to stop. It is extremely distracting to be told 5 times a day that I have a call from this collection agency while at work.
Consumer complaint received 2017-09-15
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. (GA)

Incorrect information on my report, information belongs to someone else. 

XXXX XXXX opened XXXX XXXX, XXXX XXXX XXXX opened XXXX XXXX, XXXX XXXX XXXX opened XXXX XXXX
Consumer complaint received 2020-05-27
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. (CA)

I have been trying to fix or take care of all the fraud activity on my credit reports thru the credit reporting agencies and they do not want to fix or remove all the fraud acitivities on my report ... ..I have tried to send them speak to them proof of my Identity to show them that it has nothing to do with me and they still have not responded or removed. I have seen fraud of my identity from diffrent states and its unbelievable how it gets put on my credit file and they dont realize that its not me.
Consumer complaint received 2020-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (NV)

Received phone call from Nordstrom credit services on XX/XX/2020, at XXXX ( pacific ) looking for my elderly mother. The phone number they called from is XXXX XXXX XXXX XXXX. This is not my debt. I have my own credit card and I am also an employee of this company. My credit card is PAID ON TIME. This is appalling they would attempt to use an employee to track down a family member. After everything we do for you?! Working during Covid without proper safety precautions or hazard pay?! You harass me to look for my mother? Im sure her attorney will reach out to you. This is not my problem.
Consumer complaint received 2019-11-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (CA)

In XX/XX/XXXX of this year, I was promised by American Express that an incorrect reporting on my credit report would be re-aged ; I had promised to pay the account in full. I was told this process could take up to 30-60 days however but by XX/XX/XXXX this was not resolved and I resent a fax outlining this issue. No effort has been taken by the company to resolve this customer service issue and instead the company has kept charging late fees and interest charges.
Consumer complaint received 2018-09-27
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: EQUIFAX, INC. (TX)

my information was stolen by someone in the Equifax data breach then notes on all three credit reporting agencies hard inquiries on all three UI did not apply for I filled oout a report on Identity theft.gov web page sent copy to all three about this information and companies that took my information and checked credit for a job in XXXX state in XXXX and it shows I lived in XXXX since XXXX and that my ID throu Equifax was stolen and the credit reporting agency will do nothing about the information of id theft report I sent them with police reports as well. XXXX and Equifax and XXXX want me to send them a copy of my drivers license and social security card by mail or fax but XXXX law prohibits it when there is a identity theft problem that lists with all three credit reporting agency and they all said they dont care and will do nothing have not been able to even get e response from all three with in by federal credit reporting law I filed dispute 2 months ago and cant get response because have accounts with all three and are paperlise responses and all three have blocked me from my accounts du to  CFPB complaints all three did nothing to finish the disputes by the law provided time frame of 30 days.and the last three complaints through the CFPB I attached all information they asked for and still they did nothing but block me from my accounts. 
Equifax XXXX and XXXX have been added to my identity theft .gov report I am to have a free security freeze on my report after sending via CFPB complaint of id theft and they said no I dont care have voice recording of them saying it
Consumer complaint received 2023-01-12
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-01-08
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. (TX)

On XX/XX/2021 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 I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-28
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. (VA)

I submitted a dispute with Equifax, XXXX and XXXX reporting the total amount of credit available is wrong. I showed them the actual available amounts as listed with each company I have credit with and they refuse to change my information. 

I sent Equifax a letter and asked for an explanation two months ago and the never responded with anything I could understand in simple english. ( I did receive a thick envelope with all kinds of " legalese '' but it was just a form letter and did not address my issue ( s ).
Consumer complaint received 2021-06-28
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: SLM CORPORATION (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2020-11-04
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: EQUIFAX, INC. (AZ)

on XX/XX/2020 i found out that i was a victim of identity theft. i added a fraud alert to my file and sent Equifax, XXXX  and XXXX  regarding my concerns and to delete all the negative accounts and inquiries that were the results of identity theft. i have sent them more supporting documents to support my request. please see attached FTC complaint attached to my file. That have all the inquiries and negative accounts listed
Consumer complaint received 2017-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (AL)

I have sent several disputes to the Wells Fargo XXXX ranging from XXXX XXXX to XXXX XXXX to inform them they were reporting inaccurate information on my credit file. 

The account is reporting late from XXXX XXXX to XXXX XXXX ( inaccurate ) and the account is also reporting as open when in fact it has been closed for almost a year. 
Upon contacting the company multiple times to dispute the information they also send a letter back asking me to send more information for them to continue the investigation. 

According to the FCRA inaccurate information must be updated or deleted from credit files ; however, they are not complying and constantly sending back letters asking me to send copies of my credit report along with more information which I have done and upon doing so I get the same response over and over.
Consumer complaint received 2017-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MD)

I am attempting to request XXXX XXXX for the year XXXX and XXXX. Freedom Mortgage outsourced my loan, unbeknownst to me, and claims they do n't have access to my records. I have called their company multiple times on XXXX & XXXX only to get different answers from them each time I call. They have given me the number tot he company which they claim has my information, a company I never signed paperwork with, yet every time I call that company and enter my personal information I get transferred right back to Freedom Mortgage as they 're my mortgage company! I tried calling the other company without entering my information and I am unable to get through to a persona and at one point stayed on hold for over one hour ( I can provide phone records ). 

I spoke with an escalations person at Freedom, XXXX, and she told me Freedom can not get my XXXX XXXX for me that I have to deal with this outsourcer even though I never agreed to allow my account to be transferred. 

The only time Freedom wants to speak with me is when they 're trying to get me to refinance my house, so they only able to help with sales calls, not service calls. 

Additionally, in XXXX they failed to perform a mortgage/escrow analysis for over one year as a direct result of them oursourcing my account to a third party. They claim it was n't their fault because they were n't handling the loan, but I opened the loan with them! 

It appears Freedom opens accounts with customers then sends their business to subpar vendors and washes their hands of any responsibilities to their customers. Yet they will make frequent sales calls to you.
Consumer complaint received 2021-08-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Comerica (CA)

I opened a safety deposit box at the comerica bank at XXXX XXXX XXXX XXXX XXXX, CA XXXX United States. I was saving money in the safety deposit box for my kids futures. I have two newborn babies. I went into the bank and saw that the key lock was changed over to another direction and noticed that {$5000.00} was missing. I had both keys to the safety deposit box and the last time I was there the key lock was not in the opposite direction. After that my family and ex employers started to harass me in order for me to lose the savings I had saved for my kids. The bank currently owes me {$10000.00} due to the damages. I am currently suffering from XXXX due to all the actions of the bank.