davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: KEYCORP (OH)

In XXXX, I received a notice stating that I failed to perform according to the terms of the loss mitigation option provided. I was conditionally approved for a mortgage modification and my loan was to be modified after successfully completing XXXX, XXXX and XXXX payments. When I called to make XXXX payment I had funds sitting in suspense. I was advised that those funds could be applied to XXXX payment and was given the balance to pay. I paid the XXXX payment minus the suspense balance and I paid XXXX and XXXX payment in full. 

I called Key Bank for 2 months to check the status of the modification and was finally told that I was misinformed by the representative and that XXXX payment should have been paid in full and I would be receiving a letter stating I failed to comply. 

I requested an appeal on XX/XX/25 and received a written response stating that my appeal was under review. I have yet to get a decision or anything in writing on the appeal. I call Key Bank today, asking for the status of my appeal and I was told there isn't one and my only option was to request another modification.
Consumer complaint received 2018-09-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Credit reporting agencys TRANSUNION RE ; XXXX XXXX XXXX of XXXX And XXXX XXXX XXXX A letter and documents provided to dispute the debt claimed owed by XXXX XXXX XXXX of XXXX acting on behalf of XXXX XXXX XXXX was sent to Transunion on XX/XX/2018. Additionally, complaints in regards to multiple FCRA violations as well as violations of Texas deceptive trade act by the above mentioned companys have also been mailed to the following agencies ; Texas Attorney General and the Consumer Financial Protection Bureau. For your record this letter is being sent certified mail and copys of all documents will be kept should they be needed for an FCRA complaint against any participating credit reporting agencies who fail to remove this false debt immediately. 

Eastern account systems has changed the disputed debt to collection paid instead of removing the disputed medical debt ( ( that was never in fact owed in the first place ) ) This medical disputed debt was entirely the responsibility of XXXX XXXX XXXX and XXXX XXXX. There was no balance owed ever by myself at any time. There should never have been any attempt to collect what so ever and this needs to be removed entirely from my credit report as it was not a paid collection, it was a disputed debt because it was never owed at all. 

I expect this item removed from my credit report immediately and an updated copy of my report sent to me or I will be seeking legal representation and filling a Lawsuit under FCRA violations against Transunion as well as XXXX XXXX  XXXX in federal court since it would be there jurisdiction. I will be seeking damages as well as attorney fees In Transunions willful negligence in there failure to comply with FCRA. 

There is absolutely no excuse and intent is implied to willfully harm me since every single document provided to Transunion goes above and beyond to prove a debt was never owed therefore in Transunion forcing this proven inaccurate debt to stay on my report by inaccurately representing it as a paid collection instead of removing it amounts to willfully being negligent as well as intent to harm. I expect your prompt resolution.
Consumer complaint received 2021-09-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

To Whom It May Concerns : My name is XXXX XXXX I was trying to refinance my loan with XXXX XXXX XXXX  office was XXXX XXXX XXXX, XXXX NMLS # XXXX XXXX XXXX NMLS # XXXX Mr. XXXX he stayed my loan with him about in XX/XX/2021 after few months later he told me my credit score has dropped during the time doing my loan I didnt charge or did any changes with my credit I was adding my daughter as well her name is XXXX XXXX XXXX XXXX XXXX he reported or updates my income to with my creditors during that time few of my credit card was closing XXXX he was pulling our credit repot weekly to see if my daughter was not charging or use her credit by pulling our credit report thats what brought our score down. XXXX XXXX also request pay out from my Mortgage company four time for payoff which he should have done once in the beginning and one at the end so my loan got Declined due to credit score when I complained to the manager Mr. XXXX he just refunded me the charge that Freedom Mortgage Company charged me for payoff {$100.00} for the credit score didnt want to do any about it Than I tried doing my refinance with my own mortgage company Freedom Mortgage loan offer was XXXX XXXX XXXX loan advisor, I asked him give me a one with cash out and without Figure he did give me with cash out and once I asked Mr. XXXX  to give me a without cash out he withdrew my application and stop replying to my email and phone calls with out Explanation tried to Complained XXXX listen to me said XXXX call me back no reply back This MORGAGE Companys are taking loan and at the end Decline loans they do not care about our credit score going down. 

Now I am refinancing with XXXX XXXX XXXX they want me to pay PMI my understanding when paying PMI is when you dont have Enough equity on your house even with the cash out I have equity should not be charged PMI this is not helping me it is Managing me out of my property During Pandemic we home owners should be getting helped please advise what or how can I help to save my credit score and save my house Regards XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-29
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL (IL)

I did apply for credit card at Wal-Mart XXXX weeks ago, the card was approved and never received it in my mailbox as promised by store representative. I lost the receipt to show that the credit card has been approved from Wal-Mart. Any help for me to get the credit card would be appreciated. Thanks
Consumer complaint received 2022-04-07
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: Experian Information Solutions Inc. (GA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-08-17
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MA)

I received notice of a collection account reporting on my credit from XXXX XXXX XXXX XXXX for a debt they have reported twice on my credit report. This error is in violation of the FCRA reporting act and I have disputed the reporting with little to no help from XXXX or the credit bureaus. All validation they have sent me for the account only validates a collection on my report titled XXXX not XXXX or XXXX XXXX. The account reports 3 separate account numbers for the same debt. The one they have repeatedly validated with no contract bearing my signature is the account beginning in XXXX which reports as XXXX not as XXXX. The actual account reporting as XXXX  shows a different account number beginning in XXXX which they have not validated once despite numerous attempts. How can I have 2 open accounts with one company for one debt reporting as two accounts with two different account numbers this is in clear violation of the FCRA
Consumer complaint received 2023-10-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (PA)

I opened both a savings and checking account with Citibank in XXXX based on their advertised high interest rate. 

I transferred {$250000.00} to the savings account and had a little over {$10000.00} in the checking account. 

My daughter and husband then moved from XXXX Oregon to XXXX, PA and needed help buying their home so I wire transferred from my Citibank checking account {$100000.00} to the Realty company. There was a fraud alert based on the amount and I responded to confirming the legitimacy of the transaction and the wire went through. 

I then got notification that both my accounts were being terminated without explanation. I placed multiple calls to Citibank and was told I would receive a letter and my funds in XXXX days. I have not received a letter or my funds. I went online and have found numerous complaints regarding Citibank of similar nature. I understand banks have the right to terminate without cause but do they have the right to freeze and hold my funds over {$150000.00} collecting interest while I have no apparent recourse.
Consumer complaint received 2021-09-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Remex, Inc. (NJ)

I LOOKED ON MY CREDIT REPORT AND I SAW THAT THERE ARE XXXX REMEX ACCOUNTS THAT I DID NOT AUTHORIZE OR BENEFIT FROM I HAVE ATTACHED AN FTC REPORT IN HOPES OF GETTING THIS ISSUE RESOLVED I NEED THIS FRAUDULENT ACCOUNT REMOVED
Consumer complaint received 2021-09-21
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: Experian Information Solutions Inc. (MA)

I checked my experian credit report and there was a charge off reported by XXXX  that was incorrect. i contacted experian multiple times to explain to them that the account information was incorrect and they did not fix theproblem nor did they attempt to help me.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. ()

I am having a terrible experience with Citibank after being locked out of my account and they are unable to verify me with their ridiculous policies of verification, they need to verify my number on some public record, and I do not have one. I am not a XXXXXXXX XXXX  nor am I a XXXX  so that's why there isn't any publicly available records with my number. So now I am locked out of my account with no access to my funds and of course no help from Citi. 

XXXX opened an account in branch with Citibank XXXX XXXX XXXX XXXX XXXX 
-Signed up for online banking at the branch ( XXXX XXXX XXXX XXXX ) -Made a deposit before leaving the branch ( XXXX XXXX XXXX XXXX XXXX  -Enrolled for online Wire Transfers XXXX XXXX XXXX XXXX XXXX XXXX -Initiated a Wire Transfer for {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX -Tried logging in the XXXX but saw an error during login XXXX XXXX XXXX XXXX XXXX XXXX XXXXBegan calling to speak to agents to resolve XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -After 3 hours of being transferred around finally spoke to someone that can help XXXX XXXX XXXX XXXX XXXX XXXX  -Agent tells me the only way to verify account is to find my number in a public record XXXX XXXX XXXX XXXXXX/XX/2024 ) Its not been more than 15 hours and I constantly keep calling, but not positive response and agents keep hanging up on me. I am pleading with them but they don't even care. I am really hoping you guys can assist me.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (MI)

After receiving the email notice to complete my registration for the Equifax data breach to have free credit monitoring, the link opens a page that says it can not load. Upon refreshing the screen, a TrustediD screen appears that says my answers were not correct and to wait 24 hours to try again. This continues to happen as if it will always indicate answers I have not even started giving yet are incorrect, until the end of the registration period at which time I expect that I will be denied the coverage because I did not finish the verification process. Attempts to call Equifax, regardless of the time of day, receives a recording saying they are too busy and to call back. It appears to me that Equifax is not actually interesting in correcting or helping protect against identity fraud after their data breach error.
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IA)

I am unable to login into my equifax account. When u attempt to login I get the error " We are temporarily unable to complete this request. 
Please try again later. '' I have attempted changing my password. I have also called equifax help and was essentially just told to wait 24 to 48 hours and try again. Nothing works and I can no longer access my account.
Consumer complaint received 2018-09-29
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: Bread Financial Holdings, Inc. (PA)

2 things happened. I applied for a XXXX XXXX Loan for my childs college loan. It came back higher than the highest rate they had and I as Far as I know have perfect credit. I then today pulled credit report after findin that my XXXX XXXX was going to up my APR to almost 20 % after over 23 years of service with them. PUlled my credit reports to find out that they have posted a high, at or over the limit credit for XXXX XXXX XXXX also known as XXXX XXXX XXXX. This account is NOT in my name and Im an authorized user but not financially responsible for it. I did not take this card out. THis has adversely affected me in a financial way and all 3 credit bureaus are now reporting this as a negative.
Consumer complaint received 2019-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been notified that the following fraudulent account XXXX XXXX XXXX XXXX acct XXXX and the following unauthorized inquires XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, I have contacted TransUnion previously reporting this information did not belong to me but remains on my report. Please review the attached identity theft report number XXXX.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (FL)

XXXX still has NOT addressed my concerns regardiing obtaining my CREDIT BUREAU consumer report on XXXX, XXXX without my permission, or without a permissible purpose by law, pursuant to Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) XXXX ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). 

Instead, they keep referencing an old dispute from XX/XX/XXXX case number XXXX which is NOT the same issue at hand! 

To : Discover Financial Services-Date of inquiry : XX/XX/XXXX Attn : CFO XXXX XXXX XXXX XXXX XXXX, DE XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on April 13, 2024 without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with Discover Financial Services. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Discover Financial Services for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Fl, XXXX Regards, XXXX XXXX ( FCRA ). CC : XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-01-11
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-09-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc (NJ)

I LOOKED ON MY CREDIT REPORT AND I SAW THAT THERE IS AN ACCOUNT THAT I DID NOT AUTHOURIZE OR BENEFIT FROM I HAVE ATTACHED AN FTC REPORT IN HOPES OF GETTING THIS ISSUE RESOLVED I NEED THIS FRAUDULENT ACCOUNT REMOVED
Consumer complaint received 2021-04-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

I've been a PayPal user since 2000. They have my social security number and several of my banks and credit/debit cards are linked to my account. Today I received an email stating " You can no longer do business with PayPal '' with the reason " After a review, we decided to permanently limit your account as we detected that this account was created using either fraudulent or stolen information. '' There was no warning and when I called PayPal, they sent me to a legal page which is for Law Enforcement/Government agencies, to request information. There's no way for me to contest this. In 21 years I've never had an issue with PayPal but all of a sudden they say they are closing it. I pay monthly bills through PayPal so not having access to add money, or withdraw money, is going to cause issues with my automated payments. The email I used to open the account, XXXX, is my primary email and the only one I've ever used with PayPal.
Consumer complaint received 2024-03-14
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rent Recovery Solutions (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 
Account opened XX/XX/2022 for {$4200.00}. 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
Consumer complaint received 2020-10-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I received a copy of my credit report after getting a call from a creditor I have never done business with before. After getting my reports from all three bureaus I realized there was multiple accounts and personal info on my report that do no belong to me. I filed a police report and an identity theft report and I also disputed it with all credit bureaus. They have not been removed still.