davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NJ)

I sent a check to Penny Mac from my insurance company to be double endorsed however they required additional information from the contractors to complete my roof which was received. Because the process took so long I ended up just paying for my roof to be fixed in full {$7500.00}. I provided the documentation to show I paid for the roof. {$4000.00} cash and {$3500.00} paid on my credit card. The inspection has been 100 % completed. They then advised that I needed to send a letter which I did and now they are telling me its still under review. Me paying this money out my pocket has put me in a Finacial hardship I need them to ship my check out ASAP.
Consumer complaint received 2019-06-05
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: Experian Information Solutions Inc. (VA)

Experian reduced my score over the course of 1 month ( report dated XX/XX/XXXX to report dated XX/XX/XXXX ) by 52 points ( XXXX to XXXX ). I called and asked why this happened so suddenly, considering that there was very little change in my credit profile from month to month. There have only been minor changes to my credit profile including closing 1 account and a reduction in my overall debt by {$400.00} and an inquiry for a mortgage pre-qualification. I do not consider a 52 point reduction for these items as an appropriate image of my credit, especially when my wife and I are in the process of buying a house. In comparison, my wife, who has had less overall credit history, has a score much higher than mine, so the factors Experian presented to me as potential negative factors are not logical or consistent. Please advise on how action can be taken against Experian to correct this issue.
Consumer complaint received 2021-10-11
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)

XXXX XXXX XXXX XXXX {$2700.00}. I first submitted my complaint to XXXX and Transunion on XX/XX/XXXX asking them to verify this unknown account. XXXX and Transunion both responded with a computer-generated letter informing me that the account was verified and that I should contact the original creditor ( XXXX XXXX XXXX XXXX ) if I had additional questions. I contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX, asking them to validate the debt. XXXX XXXX XXXX XXXX did not validate. According to the law, the account must be deleted if the creditor CAN NOT validate the account. Just today I looked at my credit report today and see that this unknown fraudulent account is still on my credit report after I have contacted all parties involved credit bureau ( XXXX and Transunion ) and XXXX XXXX XXXX XXXX How is that possible if they CANT validate with me the consumer but validate with the credit bureau .
Consumer complaint received 2019-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NY)

I received biweekly ( payday ) excessive insufficient fund fees on bills paid by phone to several merchants for the past three years each time I received my payroll check that was linked to my T.D. bank checking account. I opened and closed accounts because it seem that I was being nickeled and dime as if someone was stealing from my account and accumulating a penny fortune as in penny stocks. I can not prove this fact but the time line for clearance thru merchants I paid concurred the corruption time line, for example ; certified mail, priority mail, pay by phone mostly and providing basic identifying information by phone that I provided to pay or purchase a product was misused perhaps.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX reported bankruptcies on my credit report. I requested the description of the procedure used to determine the accuracy and completeness of the information within 15 days. Also, I requested the name, address, and telephone number of each person contacted regarding these accounts. I formally requested any documentation bearing my signature. Any automated response or XXXX  verification is unacceptable. I received a response stating bankruptcies were verified but no documentation.
Consumer complaint received 2019-06-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (GA)

I called and spoke with Navient about my student loan. The interest rate keeps going up and it is getting to the point where it is almost too hard to pay. Plus, I will be out of work for a month starting next month. The lady said that I was not eligible for a rate reduction based on my income and didn't offer me anything except for a forbearance for up to 3 months. I asked her if interest would continue and she said yes. I asked her if my payment would go up at the end of the 3 months when repayment would start. She said yes. I explained to her that it was kind of pointless to do a forbearance if the loan amount was already getting too ridiculous to pay and it would go up which would make it even harder. She said I may could apply through the credit bureau 's at a later date, but at this time I didn't qualify. She did not explain why as well.
Consumer complaint received 2020-05-04
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: EQUIFAX, INC. (NY)

the account does not belong to me and is fraudulent, police report and Federal trade commission was informed XXXX  XXXX XXXX and continues to report fraudulent information after putting on notice that the account was a fraud and was not open by me
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: Experian Information Solutions Inc. (FL)

Fraudulent accounts are reporting own my credit report XXXX/XXXX  XXXX DEPTEDXXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-05
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. (IL)

I received a notification from XXXX XXXX on an account ending XXXX that Equifax, XXXX, and XXXX reported the account as fraud. Causing XXXX XXXX to close the account. I never claimed this or any other account was fraud. As a matter of record the communications I sent specifically requested they NOT place fraud alerts on my credit. And only that they investigate the accounts I specified. This XXXX XXXX account was not among the disputed accounts ...
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL (CA)

Inquiry is on my credit reports that were not authorized. I am a victim of identity theft in the past, I need these inquiries removed. 

Miscellaneous SYNCB/SAM 'S PLCC Inquiry : XXXX. XXXX, XXXX Travel/Entertainment Travel/Entertainment SYNCB/SAM 'S PLCC Inquiry : XXXX XXXX, XXXX
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 — Account information incorrect
Company: EQUIFAX, INC. (FL)

I sent a letter to XXXX XXXX/ equifax/ XXXX XXXX XXXX/XXXX XXXX XXXX/ XXXX XXXX/ XXXX/ XXXX XXXX on XX/XX/2018 requesting to remove the inaccurate accounts of my credit report. amounts are XXXX XXXX and XXXX.
Consumer complaint received 2019-06-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (AL)

Diversified consultants recently removed this credit reports back in XX/XX/2018Diversified consultants has re-aged this account which against the law as stated in Section 623 ( a ) ( 3 ) of the FCRA states that if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
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. (FL)

Equifax reported bankruptcies on my credit report. I requested the description of the procedure used to determine the accuracy and completeness of the information within 15 days. Also, I requested the name, address, and telephone number of each person contacted regarding these accounts. I formally requested any documentation bearing my signature. Any automated response or XXXX verification is unacceptable. I received a response stating bankruptcies were verified but no documentation.
Consumer complaint received 2019-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (MA)

I RECEIVEDA CALL FROM A COMPANY THAT SOMEONE MADE A PURCHASE FROM THEM AND THEY SUSPECTED FRAUD. THEY SAID THEY WERE CANCELLING THE TRANSACTION AND CREDITING MY ACCOUNT FOR THE {$1100.00} DOLLARS. I LOGED INTO MY CREDIT CARD ACCOUNT AND FOUND THAT THERE WAS ANOTHER CHARGE FOR {$440.00}. THIS WAS ON XX/XX/XXXX. I CALLED THEM ON XX/XX/XXXX AND REPORTED THIS FRAUD. THEY SAID I WAS NOT LIABLE. THEY ISSUED A NEW CARD AND ACCT. NO. BUT TRANFERRED THE {$440.00} TO THIS CARD. THE BALANCE IS STILL THERE. I THINK THEY WANT ME MAKE PAYMENTS. THEY REFUSE TO PUT THIS ON HOLD. WHY DO I HAVE TO MAKE PAYMENTS ON FRAUD. 
WHY DID THEY NOT CANTACT ME WHEN THESE TRANACTIONS WERE MADE? 
THERE WERE NO BALANCES ON THIS CARD. I HAD NOT USED THE CARD SINCE XX/XX/2018
Consumer complaint received 2019-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I received a phone call from Portfolio Recovery Associates about the debt that is no longer on my credit and it is has been removed. They continue to call me and harass me at work and on my cell. They need to update their information and stop harassing people for no reason. My credit is clear and I do not owe anything to anyone.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge 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: U.S. BANCORP (OR)

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX totaling {$1400.00}. 

On XXXX XX/XX/XXXX part of the order was delivered and the other part was reported to me as lost. XXXX stated they would refund the order on XXXX XX/XX/XXXX if it still had not arrived ; on XXXX XX/XX/XXXX, XXXX reneged and claimed the order would arrive in the Spring of XXXX. 

On XXXX XX/XX/XXXX, I requested a refund as promised for the lost items, totaling {$880.00}. XXXX refunded only part of that order at the time, totaling {$260.00} : the representative stated he was unable to refund the remainder on his own, but that I would receive the remainder of the refund ( {$610.00} ) within 48 hours. That did not occur. 

On XXXX XX/XX/XXXX I attempted to resolve this through executive contact at XXXX. I received no reply. 

On XXXX XX/XX/XXXX, after recovering from illness that prevented me from calling during XX/XX/XXXX, I called US Bank and initiated dispute XXXX  XXXX for the {$610.00} I still had not received. The representative did not allow me to submit any of my documentation and continued to ask why I did not return the merchandise, evincing that she likely did not file the dispute properly as " merchandise never arrived. '' On XXXX XX/XX/XXXX, US Bank denied my dispute and claimed that XXXX was not obligated to return the money, which violates both XXXX 's own statements to me and obvious legal requirements. US Bank claimed that I did not respond to a letter that was sent, but said letter never arrived and US Bank made no attempt at alternate contact methods. 

On XXXX XX/XX/XXXX, I emailed executive officers at US Bank explaining that the dispute had been closed in XXXXXXXX XXXX  favor and asked for them to review it again. I provided further information. 

On XXXX XXXX XXXX XXXX XXXX I spoke with an agent via phone at the executive office and he confirmed that the dispute would be reviewed and the decision reversed as long as I faxed in information they would ask for via a letter. 

On XXXX XX/XX/XXXX, said letter arrived at my address. 

On XXXX XX/XX/XXXX, I faxed in the requested information and received confirmation that the fax was successfully delivered. 

On XXXX XX/XX/XXXX, a letter arrived stating that US Bank reneged on the promise by the executive agent. They did not review the information I sent and refused to reopen the dispute at all. The letter further unnecessarily insinuated that they expected I would not pay, despite me never missing a payment and having already paid this account off shortly after the debacle started. 

In summary, I have spent five months attempting to receive a refund for merchandise that was not delivered and both the merchant and the bank have refused to process that. I have attached copies of every email regarding this issue, the attachments to emails, the fax I sent, and the letter I received on XXXX XXXX.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (NY)

I am unaware of this debt, i did not have a opportunity to dispute this information, I have requested proof this belongs to me and they have failed to respond. If in fact you believe you gave me proper notification then please send me the certified receipt with my name on it thank you!
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: MIDFIRST BANK (AZ)

On XX/XX/year> I took a cab to take me home in the early hours of the day. The cab driver charged me {$180.00}, an outrageous amount for only XXXX miles. I paid it thinking that the bank would protect me, I was wrong! The fly by night cab can not be found and " XXXX '' the entity as the payee given to me by the bank doesn't exist
Consumer complaint received 2021-10-11
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. (FL)

XXXX XXXX XXXX XXXX {$2700.00}. I first submitted my complaint to Experian and XXXX on XX/XX/XXXX asking them to verify this unknown account. Experian and XXXX both responded with a computer-generated letter informing me that the account was verified and that I should contact the original creditor ( XXXX XXXX XXXX XXXX  ) if I had additional questions. I contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX, asking them to validate the debt. XXXX XXXX XXXX XXXX did not validate. According to the law, the account must be deleted if the creditor CAN NOT validate the account. Just today I looked at my credit report today and see that this unknown fraudulent account is still on my credit report after I have contacted all parties involved credit bureau ( XXXX and XXXX ) and XXXX XXXX XXXX XXXX How is that possible if they CANT validate with me the consumer but validate with the credit bureau .
Consumer complaint received 2021-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

Someone that stole my identity about 6 or 7 years ago just applied 10 times for a credit card. After declining it many times, they ended up accepting and sending them a card, now there are charges that they damaged my credit score. I was trying to refinance, when my consultant found put my credit was terrible because of XXXX XXXX. Apparently they are the worse credit card company to protect the victim and help the thief.

I reported the issue to them and after a while they decided to mark all of the 10 applications as fraud and in 60 to 90 days they would clean my record. We asked to have a letter sent to us so we could prove what happen and the action they were taking, it could help us with our refinance in the mean time, hey said no problem. When I decide to verify the address where they were going to send the letter, of course it was the XXXX address from the thieves, I asked to sen it to my address and they said they can not do that, they can only send it to the address in XXXX, even though I repeatedly explain that that was the fraudulent address. On the end we were not able to get them to sen us any proof. Now we were transferred to another department to take care of the open card that had the charges, they kept us passing us from one person to another one smarter than the previous, just to let us know after one hour on the phone, that the department that was handling this kind of issues was closed until Monday. So here I am asking myself if I should just go ahead and learn how to become an identity thief, so I have full protection and support from credit card companies like XXXX  XXXX. 

On the other hand I have to also give it to the Credit Bureaus which they are as equally incompetent and after many years fighting, police reports and enough compelling proof, they are still refusing to remove the XXXX fraudulent address that appears my credit report and has continued to do so for the past 7 years.
Consumer complaint received 2019-06-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation (CA)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX. The original loan maturity date was XX/XX/XXXX. I feel behind on payments but eventually caught up and made all payments and paid the vehicle off in XX/XX/XXXX by sending a payment of {$1800.00}. We contacted XXXX XXXX which is now Bridgecrest about obtaining the pink slip. Bridgecrest claimed we owe {$5900.00} in unpaid interest. We explained to Bridgecrest that this can not be possible because whenever I made a payment I made the full payment plus the late fees that were added per their websites listed amount due. After making a few additional calls to the company, we were eventually told we can not locate you account. I am trying to purchase a home and when I ran my credit, I discovered that Bridgecrest had reported the account to all three credit bureaus as a charge off. Ive made multiple attempts to resolve this issue through Bridgecrest to no avail. I would like my pink slip and the account properly reported to the credit bureau as paid in full.
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (CA)

I applied for a CitiBank Credit card. CitiBank turned me down due to FALSE information of a bankruptcy and unpaid credit accounts. 

I contacted CitiBank repeatedly and CitiBank swears that the info they have in their data base about me is correct, for a Bankruptcy and credit unpaid accounts going back to 1993. No one ever sent me any collections information. It has never gone to the credit bureaus. I then complaint to corporate and a so called employee from so called executive office, insists that the records they have are mine. And when I applied for a card for my son ; since, I'm his administrator, XXXX reported me to the Department of the Aging for Financial abuse against my son because I caller not very smart. The Department of the County of XXXX XXXX and myself wasted a week trying to take care of such false report by CitiBank. 

I have a Sears CitiBank Credit Card also.
Consumer complaint received 2021-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Innovative Funding Services, L.L.C. (PA)

XX/XX/2020 XXXX ( innovative funding services ) improperly used a hard inquiry the gentleman that I spoke with stand by them said that I was approved for an amount to refinance a vehicle that is in my name and my daughter 's name because of the approval I he then said that he needed to speak with XXXX XXXX to see what the payoff would be that was given on the assurance of credit or funding loans to refinance as it turns out he falsely represented that his company was doing the payoff loan after after getting the information of the payoff he then wanted to pull from other companies I am formed him no I need them to remove the hard inquiry from innovative funding services off of my report ASAP the gentleman even added incorrect addresses on her report
Consumer complaint received 2024-03-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (GA)

I am unable to send/receive funds out of/into my savings account with Citibank. When I contacted the bank on XX/XX/year>, I was told that I can not access the account, because my ATM expired. However, no ATM card has ever been assigned to this account. I requested an ATM card, which never arrived.

When I called the bank today, I was told that the original card was never ordered- even though two separate representatives told me it was on the way. I also was told they are ordering the card now, and I should have it in 1-2 business days. We shall see if that is true.

At this point, I feel the bank is effectively holding my funds hostage, due to some clerical requirement that has never existed before. I need to move money out of my account and can not do so. This situation is unacceptable. Please help.