davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-02
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)

In accordance with the Fair Credit Report XXXX XXXX Account # XXXX XXXX has violated my rights. 
15UST.1681 section602 A. States I have the right to privacy 15USC. 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

XXXX  ; Experian and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Items were disputed. They were given 30 days and did nothing. Now they are breaking the law, both Federal and state by not deleting the items.
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX  ; XXXX  and Transunion should not be reporting that I am ( 30 ) days late on the XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-04-02
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

Filed a fraud complaint with capital one and XXXX. The following account listed doesn't belong to me. 

Capital One Account number XXXX Account status Closed Date opened XX/XX/2014 Account type Credit Card Amount {$6900.00}
Consumer complaint received 2021-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo is violating their settlement with the CFPB, using fees, bureaucracy, and delays to avoid meeting their commitments. 

On XX/XX/21 I received a remediation check in my deceased mother 's name, sent to my address. The check was to remediate {$30.00} in excessive fees and {$4.00} interest from an account that she opened about 10 years ago, however she passed away 5 years ago. I called the bank to see if the check could be reissued in my name - the administrator of her estate. I was instead advised to attempt to deposit the check. However when I attempted to deposit the check, I was warned that it would likely be denied and that I would be assessed a fee of {$35.00} for attempting to do so - for a check in the amount of {$34.00}.
Consumer complaint received 2019-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

The following account was removed from my credit report because it was proven to be the result of fraud. Now I am being contacted by the original credit, which I did not authorize to begin with, and a collection agency saying that I owe the debt and that the debt was sold to the collection agency. This is a huge violation. I have attached proof below.
Consumer complaint received 2022-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

The bank is not providing credit for payments made and held in the suspense account. I am attaching correspondence from the bank dated XX/XX/2020 and XX/XX/2020 wherein they acknowledge receipt of payments and that the payments were returned to me in the form of various checks therefor they no longer have my funds. I have also attached copies of some of the checks sent to me but not cashed. ( I also note the bank correspondence indicates additional checks were sent that I do not have ) finally I have I attached the banks affidavit of amount due and owing which lists a {$0.00} amount for the line item less/plus balance due in suspense accounts. Payments from XXXX XXXXXXXX XXXX were put into the suspense account. I never cashed the returned checks nor received credit
Consumer complaint received 2022-01-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates purchased my information from XXXX XXXX XXXX XXXX, and is trying to recover what they say I now owe them in the amount of {$880.00}. I have no contract with Portfolio Recovery Associates.
Consumer complaint received 2019-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This account was deleted from all 3 of my accounts because of identity theft. I have now been notified by the original creditor, which I did not authorize, that the account has been sold to a collection agency. This is a huge violation an account which does not belong to me, and that can not be verified should not be placed into collection.
Consumer complaint received 2018-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MD)

I am looking for a claim form on line, I believe Citi bank overcharged me, as stated below, please email clm form, thanks! 


Citibank violated the law when they tried to collect overdue payments from some consumers with cards issued by Citibanks subsidiary, XXXX XXXX XXXX XXXX ( XXXX ). During collection calls, Citibank sometimes charged an expedited payment fee of {$14.00} without telling the consumer it was charging the fee or misrepresented the purpose of the fee. Nearly 1.8 million consumers who paid an expedited payment fee since XX/XX/2009 when their XXXX credit card account was delinquent will receive all expedited payment fees paid during that time.
Consumer complaint received 2022-04-02
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one is reporting that I owe them XXXX. On my credit report it reflects I have a balance of XXXX with capital one. I dont have a balance I have settled the account and Im attaching documents thats shows the balance and receipt of payment.
Consumer complaint received 2021-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CT)

I asked for a forbearance during my application process for XXXX and got approved for 6 month to pay half my mortgage as I did when i was done they put me in a modification for the same amount I was paying and for 40 yrs not giving me any other options I later learned they were supposed to ask for the difference I didn't know what I signed due to heavy meds and they have robbed me of a mortgage for 30 years I have paid on time for ten years its not fair what they did to me. That's Nation Star mortgage now called Mr Cooper and it was about 10 years ago. i just found out my Atty Generals office and all 50 states sued for about 80 million dollars they had my info and never contacted me. this has caused me severe XXXX I cant sleep at night and till this day I struggle to keep my home. Please help me...
Consumer complaint received 2018-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (WA)

In XXXX I was considering switching my cell phone service from XXXX XXXX XXXX to XXXX XXXX, I spoke to a sales person at a store, and got through most of the steps to switch, but when I saw the costs broken down, it was going to be more expensive than staying with XXXX XXXX XXXX. So I told him that I was going to stay at XXXX XXXX XXXX and to cancel the order, I had not signed anything yet, and he said fine, and I left. A few weeks later I received a bill from them, I called and told them what happened and they promised that it was taken care of. About a month later I received another bill from them, threatening me to put me in collections. Once again, I called, they said that it was taken care of. Today I received a collections notice. I called, I was on the phone with 4 different people, they will not take care of it, this time they want me to go to a store to give them more of my personal information, I am not doing it. I made it very clear to them that this is fraud, they have fraudulently opened.
Consumer complaint received 2016-03-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (CA)

XXXX 2016, I mailed my mortgage payment. The payment was lost in the mail. I received a call from Freedom Mortgage advising me that my payment had not been recieved this was XXXX XXXX, 2016 I immediatly placed a stop payment on the check at the Mortgage companys direction and paid my mortgage payment by phone. This is when my demise began I began getting calls advising me I had not made a payment. I provided an internet copy of my bank statement showing the payment had been deducted from my account. Upon reciving my bank statement I sent a copy showing the money had been taken out of my account. In XXXX I sent my check mortgatge payment certified mail. through this ordel I have spoke to supervisor after supervisor telling them I owe nothing there response was we will look into it. It appears that the person that took the info over the phone for the XXXX payment applied it to Principal again supervisor after superviosr advised me this would be fixed with no penaltys. I continue to get a call daily. they now are dunning me for the XXXX payment. They read notes each time they call and tell me this will be straightened out I continue to get a new perosn calling me daily. Typically while at work. I have never in 20 years been late on a mortgage and I am not behind now. I merely want this matter cleared up and the harrassment to stop. The incompetence of this company is horrible.
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

First these accounts are not mines. Some were deleted from credit report then re-added to my report. The collection accounts I have attached disputes with company and Attroney General of those states company is doing business with. 

These are the Equifax accounts. 

1. XXXX XXXX XXXX {$4100.00} Closed 2. XXXX XXXX XXXX {$1400.00} Closed These are my XXXX accounts. 

1. XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX {$3000.00} 2. In Collections/Charge-off XXXX XXXX XXXX IN Last reported : XX/XX/XXXX {$5500.00} 3. XXXX XXXX XXXX Last reported : XX/XX/XXXX {$3900.00}
Consumer complaint received 2018-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Spoke with XXXX XXXX at Portfolio Recovery to resolve credit card debt in XXXX. Payment arrangement of {$450.00} was set to start XX/XX/XXXX and final payment was made on XX/XX/XXXX.  I've spoke with XXXX at this company multiple times since the final payment requesting that they remove paid debt from my account and no action has been taken. I've tried to dispute the debt and the company has denied to remove the bill from my collections. I also have a letter stating that this bill is resolved and paid in full from the company.
Consumer complaint received 2018-06-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (MS)

I received notification from the credit bureaus that a debt collection was added to my reports in XX/XX/2018. I did not receive any prior notification of this debt nor was I allowed time to dispute this collection. I do NOT have a contract with this company. I called the company in XX/XX/2018 and spoke with XXXX XXXX, and she stated that she was a team lead and that they did not have to notify me prior to reporting to the credit bureaus. I am requesting that this collection is removed immediately from all three credit bureaus.
Consumer complaint received 2018-06-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (IN)

I purchased a XXXX debit card -the following day XXXX was stolen from the card -my understanding is, If the vendor refuses to give the money back -I am not protected. visa, XXXX, and XXXX XXXX is giving me a runaround about refund of my money
Consumer complaint received 2021-09-13
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: R & B Corporation of Virginia (NC)

A previous claim was open in regards to a negative mark on my credit that i was supposed to be protected as I was represented by an attorney at the time of the bill, the credit company hit my credit monthly from XXXX until I filed my last CFPB complaint. They have been charging interest & re- charging this debt as new debt since the date it first hit my credit. I finally got confirmation they are removing it, however I am wondering why in my last complaint they stated they were going to speak with my attorney & according to my attorney never did, & it wasn't until I called today that they agreed to remove It. As a consumer protected under the FDCPA & FTC fair debt collection process this company has failed to respond to my several times of trying to resolve this, and was sent a letter of protection from the attorney, but was originally notified in 2020 I was protected by an attorney for this bill from the paralegal that first held my case. Why was interest charged and according to my credit report you can see how it was impoperly billed and not corrected.
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (LA)

XX/XX/2018 my debit card was used fraudulently for a large number of purchase, approximately 29, and a dollar amount near {$5000.00}. I notified my bank when I discovered my account was overdrawn. I was never contacted by the bank as to unusual activity on my account or transactions that weren't consistent with my regular banking activity to see if I was in fact using my debit card for these transactions. When I asked why the unusual activity on my account didn't draw suspicion and the fraud department didn't contact me I was told because all charges were local. In the process of their investigation it was determined that some of the transactions were done by a family member who briefly stayed in my home and took the card without my knowledge. I was told if I filed charges with the police I would get my money back. I was given provisional credit after I complied with the banks request and filed a police report then a few days later the credit was withdrawn and the case closed. I was informed it was a personal matter and they could not give me my money back and I would have to personally try to get my money back from the individual involved. I never received any documentation from the bank concerning their investigation and what evidence they had that the individual identified had made all the purchases and why in a case of fraud I could not recover my money.
Consumer complaint received 2022-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (IL)

Today, XX/XX/2022 at XXXX, I received a text from XXXX. I did not click on the link as I do not have a Citibank account. Here is what the text : / Citibank/ We have closed your citibank account for security reasons please verify Your identity XXXX XXXX XXXX? c I copied the actual text and pasted it fir you all to read. You will notice how the text starts out with a / which is not how banks do their texts. There is also punctuation problems as well as a capital letter where it shouldn't be. Banks never ask for your information. 

Thank you for your time. Hope this helps
Consumer complaint received 2022-09-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: 1st Franklin Financial Corporation (GA)

XX/XX/2022 1st financial has since then harassed me almost everyday and continue to harass. This account is involved in an lawsuit but yet I'm still getting phonecalls emails text messages mail letters. Under law the credit bureau has to correct and inaccurate information. The company have not yet verified my information but it's still on my credit report
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is not a Third Party. I am requesting that the following accounts be removed. 

XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX. 
XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX. 
XXXX is fraudulent on my credit Account # XXXX. 
XXXX is fraudulent on my credit Account # XXXX. 
XXXX XXXX XXXX is fraudulent on my credit Account # XXXX. 
XXXX Inquiries from XXXX XXXX, XXXX XXXX and XXXX. 

XXXX  and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX This account was never late. I've have disputed this with this company time and time again. Now this account has been paid off completely and it is still showing up negatively on my report. This is not fair.
Consumer complaint received 2021-11-05
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: EQUIFAX, INC. (GA)

Please assist me in getting the following items removed from my credit file. I have sent several disputes without any response. It has been over 35 days with no response. 

The following items do not belong to me ( Fraud Account )- Medical ( Equifax ) - Bal : {$120.00}