davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-11
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: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I contacted transunion to get hard inquiries off my credit report my ex wife was doing and the8. 
XXXX XXXX XX/XX/XXXX 9. 
XXXX XXXX XXXX XX/XX/XXXX 10. 
XXXX XXXX XXXX XX/XX/XXXX 11. 
XXXX XXXX XXXX XXXX XX/XX/XXXXy would not remove it an neither would the company. 

XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-09-09
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (TX)

Due to Covid caused financial hardship, I have been unable to make consistent monthly payments to Synchrony regarding my Amazon.com card. They have already made a ton of money off of interest from me and I would just like to settle the account or reach a better payment agreement as Covid has really hurt my business.
Consumer complaint received 2018-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

Trans world systems. This company has been calling for over 2 years and overtime I have asked to remove me they state that it will take 24 hours and call me right back the same day and the day after. They call every day even after i called for a week straight to request to be taken off and they say the same thing. They are calling asking for a person we do n't know.
Consumer complaint received 2018-03-27
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: Early Warning Services, LLC (FL)

I applied for a checking account with both XXXX and XXXX XXXX XXXX on XX/XX/XXXX and was denied due to incorrect reporting of a fraudulent account that was proven to be fraud by XXXX Police Department. The police report number is XXXX. I disputed the information with XXXX XXXX XXXXXXXX but they have yet to delete the fraudulent account from my credit. I have a pending lawsuit against XXXX XXXX XXXXXXXX for incorrect credit reporting. 

The report sent to XXXX XXXX XXXXXXXX on both XX/XX/XXXX and XX/XX/XXXX : I stored my personal items at a friend 's house because I was XXXX for a few months prior to relocating to college in XXXX, XXXX. I went to XXXX XXXX XXXX on XX/XX/XXXX in XXXX, XXXX to be added to my aunt 's checking account as an authorized user and was told there was an account on my XXXX report from XXXX XXXX XXXXXXXX that was reporting fraudulent activity at an address I have never lived at ( XXXX XXXX, XXXX, XXXX ). I filed a police report in XXXX, FL, where I currently reside, because I suspect the tenant, XXXX XXXX of XXXX, GA, stole my identity, then used my information to open an account without my permission. The account was opened in XX/XX/XXXX, according to XXXX report. I attached my IG with my Georgia address, the only address I've ever lived. XXXX XXXX XXXXXXXX Replied stating they would not remove the account and expected payment because an individual walked into the bank on XX/XX/XXXX and opened an account with my ID. My ID and SSN card was stolen, as I stated above, and even after I provided XXXX XXXX with the identity theft criminal report case number from XXXX Police ( XXXX PD Criminal Report # : XXXX ) upon request, the account still has not been removed.
Consumer complaint received 2018-03-27
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizens Bank XXXX calls 5-7 times per day to collect a payment. After it is paid they call 2-3 more times back to back.XX/XX/XXXX online payment at XXXX XXXX XX/XX/XXXX phone calls @ XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.

XX/XX/XXXX phone calls @ XXXX, XXXX, XXXX, XXXX XXXX They've been asked to stop calling me and once spoke to a rep saying it was paid, the phone immediately rings with another rep asking for a payment.
Consumer complaint received 2022-09-09
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: BARCLAYS BANK DELAWARE (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, BRCLYSBANKDE XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, BRCLYSBANKDE XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-03-11
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-07-09
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: JPMORGAN CHASE & CO. (FL)

There are XXXX hard inquiries on my credit report from the same company : XXXX. The inquiries are 3 days apart.One in XXXX XXXX, 2017 and one XXXX XXXX, 2017. There 's also XXXX inquiry from Chase Bank USA on XXXX XXXX, 2017 that was n't approved. I have credit cards with chase but they 're old and there 's no reason for a new inquiry, especially if I was n't notified.
Consumer complaint received 2023-03-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NE)

My insurance company ( USAA ) who is insured by XXXXXXXX XXXX questionably raised my premium by 600 % during covid-19, forcing my mortgage company XXXX XXXX XXXX XXXX, who is insured by XXXX XXXX , to nearly triple. USAA applied false claims to my insurance hence given reason for a premium increase. 

I found out about the false claims being added to my insurance record through another insurance company. I immediately call USAA to get this resolved. They took off several of the false claims but stopped cooperating with me afterward. 

All cost would later be passed on to me through the XXXX, mounting upto an additional $ XXXX in total. Now I owe more for my home than the original load price. 

I'm a XXXX XXXX XXXXXXXX veteran facing losing my home because USAA adding false claims to my insurance during COVID 19. I'm going to lose my home, if something isn't done quickly.
Consumer complaint received 2018-01-07
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (TX)

I went into Mega Value Furniture on XXXX/XXXX/XXXX to purchase furniture in the amount of {$4700.00} A handwritten order was completed that stated my terms were going to be 18 months interest free, however they presented me with a credit authorization slip to Citibank ( who I opened an account with in the store ) for 30.49 %. I started to sign the slip only completing the 1st two letters of my name XXXX and refused to execute the transaction due to the contradiction and wanted something more official than a handwritten contract that confirm my interest free terms. Against my better judgment I accepted the word of the sales representative and left the store waiting on something in writing from Citibank ; however when I received the letter from Citibank it stated my promotional terms were UNDER REVIEW and a DECISION whether they would honor them would be made within two billing cycles. 

I then went back to store after receiving this letter XXXX and demanded they cancel my order and REFUND ME in FULL. I followed this request with an email in writing because instead of them trying to honor my request they were busy trying to FORCE me to accept a verbal guarantee the terms would eventually be honored. 

To protect myself I disputed the {$700.00} with XXXX which they have refunded to me and the {$4000.00} with Citibank. Citibank has completed there research and sided with Mega Furniture although I DID NOT sign the credit authorization slip. 

Citibank finally agreed to the terms on XXXX/XXXX/XXXX but because of the unclear terms I had purchased my furniture with another store who I deemed far more trustworthy. I told them if they has simply given the information in writing from the onset this could have been avoided. They refused on three occasions to provide clear and concise terms, at purchase, when I returned to the store and after I disputed the transaction.
Consumer complaint received 2018-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

Please consider my request for support and assistance to have XXXX XXXX  Update the Account Information and Payment Status on Our Credit Reports. I am newly XXXX and this situation is more than either I or my husband can handle. We have expressed our request and concerns to the lender or various occations to no avail, each time we get some one different on the phone and it appears they dont care or dont understand what im asking for. Please assist us in resolving this matter? My husband XXXX XXXX and I have an Open Active vehicle loan account of which we pay monthly payment of XXXX as agreed upon ; However upon reviewing our credit reports for both myself and my husband XXXX XXXX The XXXX XXXX account reflects in a " CHARGE OFF '' status and - that is not correct. I believe this is miss information that stems from a time when we began to go thru financial difficulties due to my failing health and loss of income - I was laid off from my employer XXXX XXXX XXXX, this vehicle account should Not have gone to a " Charge off '' status. I have been going through a medical crisis because I have XXXX and my XXXX were XXXX, which finally resulted in a financial hardship at one point we considered doing a bankruptcy but decided we did not need to bankrupt we could just work with the creditors direct - this is what we did with XXXX XXXX we reached out to the lender and learned what the total amount to bring us current was and we were informed that if we payed XXXX this was the amount that " would bring us current with the next payment due the following month, and that would cure what we were behind ''. I was very ill due to chronic condition called XXXX XXXX - it has currently damaged my XXXX function to the point that I have what is considered end stage XXXX XXXX and am now on XXXX awaiting a XXXX donor. - At the time we bought the vehicle my health was in a very different position- I was healthy. I was employed full time and it was prior to my health failure. ( I was unable to continue to work for some time beyond my control and this was the beginning of our financial hardships, I was layed off and fell ill however, we stayed in communication as best we could to advise our payments were going to be running behind and always payed when we said we would. I am seeking relief from the constant damage XXXX XXXX has done to mine and my husbands credit report. Please update the credit report to show our payments Are up to date. I am concerned about making more payments than nessessary because I dont know how much we truly owe. I am XXXX and XXXX XXXX doesnt care about that I need help and support to fix this matter. Thank You kindly for your time and attention, Sincerely, XXXX XXXX and XXXX XXXX Reg : XXXX Account
Consumer complaint received 2022-08-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BANKERS HEALTHCARE GROUP LLC (SC)

I applied for a business loan for my company ( XXXX XXXX XXXXXXXX, XXXX ) in 2020 for the amount of {$60000.00}. I had to pay significant fee for this loan as well ~ {$8000.00}. 
This year I wanted to pay it off so I called the loan servicing company - XXXX XXXX to get the Pay-off quote. 
When the documents were sent to me they quoted a pay-off quote of about {$100000.00} with the original loan amount of {$120000.00}. 
I called BHG XXXX, XXXX to question this and they denied that I have to pay this amount and quoted me {$61000.00}. 

I am complaining because I did not give BHG XXXX, XXXX any authorization to get additional loan on my name ( my company 's name ). This is fraud. 
I have been approached by them to re-finance my loan this year but I have declined since I do not want more loan. 

Please advise on how to resolve this and protect my credit. 

Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2021-09-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (MD)

Good afternoon, My name is XXXX XXXX and I am writing in regards to my forbearance period on my home which is occupied by myself and my son. We initially made our forbearance claim at the end of XX/XX/XXXX which went in to effect XX/XX/XXXX. 

Just before XXXX XXXX XXXX - I was hospitalized in XXXX XXXX Maryland and spent several days in a XXXX XXXXXXXX XXXX. For the next several months - I spent the entire time in the hospital essentially unable to communicate with the outside world. As a result of this - I was unable to start my forbearance until as soon as I got out ( late XXXX ). Which is right on the cusp of being able to extend it by 1 5months ( until XXXX XXXX XXXX ). 

I contacted Freedom Mortgage who said despite my extenuating circumstances ( which I offered medical documentation for )- they were unwilling to make any exception to grant the extension. An extension which is legislated by the CARES Act and also monitored by the CFPB. Now - I know that I am like literally on the cusp of not being " eligible '' - however my family is truly one of those desperately affected by the pandemic and an extension of 3 months as allowed by law would be life saving for us. 

Thank you for your consideration and all you do. 

Best, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I purchased a XXXX fit at bud email XXXX in XXXX pa on XX/XX/2018. I have a credit score of XXXX. I financed {$9100.00}. I was told that I qualified for a loan with an interest rate of 5.69 %. The business manager ( XXXX ) completed my loan paperwork using my incorrect address. He said that since he had to complete the loan paperwork again, he would increase the amount financed to {$10000.00} because I would be eligible for a lower interest rate if I financed {$10000.00} or more. He completed the lian paperwork and it didn't have any modifications to the original financing amount. I asked him why he didn't adjust the loan so I would qualify for a lower interest rate? He stated that it was only reduced by .25 %, which he stated didn't make much difference. I believe that with my credit score, I would easily qualify for a much better rate. Now, two weeks later, I contacted Huntington Bank to pay off the two week old loan and was told that i owe {$160.00} interest, so my pay off increased to {$9300.00}!!! How can the bank require me to pay {$160.00} for 12 days of financing? I am a female who is being discriminated!
Consumer complaint received 2019-05-11
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: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

The documentation Portfolio Recovery Associates, LLC, continues to send me as " proof the debt is mine '' is false under the laws of the FTC, FCRA. Again, they have no proof of my legal signature, no proof of a contract between me and Portfolio, let alone the companies they claim to have bought the debt from. The companies themselves say they have no required proof of 1 ) my legal signature, 2 ) my voice recorded by phone applying for a line of credit, 3 ) a  video surveillance of me submitting an application for credit. There is NO proof. These accounts can not be validated in any way, shape, or form. Copies of bills are not proper proof of validation. They do not hold up in a court of law. 

I have been at this since XX/XX/2018. The only thing Portfolio sends me repeatedly are the same copies of bills. Furthermore, because they have no documentation, they keep requesting I send them further documentation. Like them, there is nothing to send because these are not my accounts. They " terminate the investigation into these accounts '' because they know they have NOTHING. 

I am attaching what I keep receiving over and over again. I want these accounts removed from ALL credit bureaus immediately. This is my last attempt. Next course of action is to serve them court papers to appear before a judge in my jurisdiction where I will also request the allowed {$1000.00} per listing, per offense and per defamation of character and all legal fees which could incur upwards of {$12000.00}.
Consumer complaint received 2017-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (CA)

Please note that I entered a agreement with Wells Fargo Bank Cash Back Signature Card.in XX/XX/XXXX 1year 6 months ago regarding a credit card visa ending in XXXX which is now closed in the amount of {$120.00} per month. I have paid consistently even in the month of XX/XX/XXXX. I noticed today TuesdayXX/XX/2017 that I did not receive my XX/XX/XXXX statement. I went to the Wells Fargo Bank branch located at XXXX XXXX XXXX, XXXX, CA XXXX   XX/XX/XXXX I spoke with the Wells Fargo Bank teller XXXX of Wells Fargo Bank told me that my bill for the month of XXXX was {$280.00} instead of {$120.00}. I told XXXX that my monthly bill is {$120.00} per months he advised me to contact the credit department
Consumer complaint received 2018-03-27
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)

I disputed with the credit companies and they failed to delete all mis- reporting ; unproven mis spellimgs of my name and address I have provided government documentation that proves my true identity. My state laws and FTC laws states that if the reporting information is not true, complete and perfect it must be deleted, I wish not to take any other names or abbreviation of my government name,
Consumer complaint received 2019-05-11
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. (NC)

XXXX and XXXX  both responded immediately to remove fraudulent medical collections. Equifax has refused to allow me into my own account to dispute the accounts. I verified myself by mailing ID, SS #, and a billing statement. They still refuse.
Consumer complaint received 2018-01-12
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. (FL)

The Credit Bureau Customer Service would not help and take care of the negative inquires reporting to my credit report. 


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XXXX XXXX XXXX XX/XX/XXXX, Never Had a Contract with this Creditor, amount is XXXX.
Consumer complaint received 2018-03-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (NY)

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
Consumer complaint received 2018-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Prosper Marketplace, Inc. (FL)

Prosper account Loan # XXXX Showing on my credit report as being late payments incorrectly. Prosper made errors when adding my bank account for automatic payments and accepted fault. They 're negatively reporting on an account that is current.
Consumer complaint received 2022-02-14
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. (PA)

I have filed out the identity theft report with identitytheft.gov following directions to have credit bureaus block the fraudulent information thats being reported on my credit report while proper investigation is being done.