davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-11
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. (IL)

I am concerned about the validity and accuracy of your recent investigation of the accounts reporting on my consumer report : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Three months ago, I requested an investigation because these items are not being reported accurately. I received communication stating that your investigation was complete. As per 15 U.S.C 1681i ( 6 ) ( B ) ( iii ) I am requesting a description of the procedure used to determine the accuracy and completeness of the information. This would include but not limited to : 1. The name of the agent you spoke with to confirm the accuracy of what you are reporting as well as the name of your agent that spoke with said party. 
XXXX. The time and date on which the communication took place. 
XXXX. All if any certified documents reviewed to conclude your investigation. 
XXXX. A complete copy of all of the information transmitted to the data furnisher as part of the investigation. 
XXXX. Proof of your timely procurement of certified documents. 
XXXX. Copies of all correspondence including any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the accounts in question. 

In accordance to 15 U.S.C.1681i ( 7 ) A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

A template response will not be acceptable. Take note, these erroneous entries have been detrimental to my overall credit rating and have caused me severe financial and emotional distress.
Consumer complaint received 2018-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX fun XX/XX/XXXX Credit inquires that should not be on my report because I did not authorize them
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have sent multiple letters and made multiple phone calls to XXXX XXXX, XXXX, XXXX, and Experian. The account is inaccurate and invalid. The account does not belong to me. I have notified them of this but the account remains on my credit report.
Consumer complaint received 2018-03-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (MD)

I have been trying to sell my property as a short sale. This property has been under contract since XX/XX/XXXX. Citi Mortgage is the 1st lien holder and Citi HELOC is the second lien holder. Citi countered the buyer 's {$200000.00} offer with {$230000.00}. The value dispute was initiated on XX/XX/XXXX and up until now we have not receive an update from Citi other than them confirming receipt of the docs and that the file was endorsed to their review team for the value dispute review. 

As per Citi, my file was removed from their short sale review while the value dispute review is ongoing. We keep on following up with them for an update because we do not want to keep the buyers waiting. They advised that they do not have a time frame for the review and that's what keeping us worried. 

Can you please assist in making Citi escalate this file? Thank you for your assistance with this matter.
Consumer complaint received 2018-06-16
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: CNG FINANCIAL CORPORATION (OH)

I received a statement of credit denial from XXXX XXXX XXXX XXXX Ohio office stating I was denied a pay day loan for which I never applied for. The statement also says that I was denied due to " credit product not available '' I called the phone XXXX. They said they would forward my name, phone, and email address and check into it. I get an email back stating that the account??? Was opened with your personal information. They also want me to fill out a more detailed report with even more personal information and have it witnessed by law enforcement. Of course this is a voluntary report. I used to work at XXXX XXXX XXXX corporate office in the accounting Dept. Years ago. I know what a pay day loan is., I also know scams but the paperwork is very professional. Should I be worried, also someone could be pretending to be from XXXX XXXX XXXX to gain information. Help!!!!!
Consumer complaint received 2022-09-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have approached at street by a person and he asked me to help me and he led me to the atm machine. He made a fake deposit and used my phone to transfer XXXX and XXXX dollar into his account. The transaction is still pending but the bank refuse to stop or freeze the transaction even though they understands that it was a scam and the XXXX is already contacted and detectives are working on it.
Consumer complaint received 2020-04-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANCO POPULAR DE PUERTO RICO (FL)

I bought a house in XXXX XXXX in XXXX This house was bought under the l124. law.The agreement was we have to live at the house 5 years to avoid penalties for. We live the house for 9 years and then I transferred to XXXX  due the XXXX base closure in XXXX XXXX. I continued to pay the house. Now the bank ( Popular Mortgage ) and the XXXX XXXX XXXX XXXX ( housing ) are charging me a panalty of {$14000.00} I provided paperwork with my transfer date on XXXX, copy of the water bills on XXXX, I couldn't provide de electric bill because they don't have records on my name. I been fighting with them for months and the penal still shows in my statement. 
The Bank is Popular Mortgage and the loan number is : XXXX House is located at : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX My contact information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX I need to gets this sort out,? I don't why is being so difficult, I'm trying to pay off the balance {$26000.00} aprox Thank you
Consumer complaint received 2020-04-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (WA)

OK SO I WAS XXXX  BACK IN XX/XX/XXXX TO BE EXACT. I WAS XXXX   WITH XXXX XXXX XXXX XXXX XXXX. TO MAKE THE STORY SHORT. GOT XXXXXXXX XXXX XXXX XXXX XXXX XXXX. BASICALLY SPENDING XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX. ENDED UP BEING IN IN XXXX  FOR YRS STRAIGHT. MY EX-BOYFRIEND NOW BUT BOYFRIEND THEN WAS ABUSIVE, CONTROLLING, VIOLENT AND A THEFT. HE WOULD ALWAYS CARRY MY ID SS CARD AND YOU NAME IT. SO WHEN I CAME OUT OF XXXX. ON XX/XX/XXXX I TRIED TO FILE TAXES FOR THE XXXX TAX YEAR. WAS TOLD THEY HAD BEEN REJECTED BY THE IRS. LOOKED INTO IT AND SURE ENOUGH SOMEONE HAD FILED THEM UNDER MY INFO. SO I CONTACTED THEM AND THEY SAID THEY COULDN'T HELP ME BECAUSE THEY HAD NO PROOF THAT I WAS REALLY IN XXXX AT THE TIME OF TAX FILLING SEASON. SO I SAID OK WHATEVER. DID DO ANYTHING ELSE BUT THIS YR WHEN I TRIED FILLING THEM AND THEY WERE REJECTED. SINCE I USUALLY WOULD FILE AS SOON AS THE SEASON STARTED THIS HAD NOT HAPPENED BEFORE. BUT THIS YEAR I WAS LIKE HA I AM GON NA TRY AND FILE THEM MY SELF SO IT TOOK ME LONGER TO FILE THEM. CALLED IRS ALREADY SENT IN THE DOCS. THEY ASKED ME FOR. BUIT AFTER THAT I START TO REALLY DIG INTO ALL MY INFO AND FOUND BANK ACCOUNTS PREPAID CARDS AND OTHER ACCTS THAT I HAD NOT OPENED. PLEASE HELP ME RESOLE THIS ISSUES
Consumer complaint received 2018-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

The complaint is Bank of America removing the standard 1 month grace period from our credit card purchases when we tried to save money by using one of Bank of America 's 0 % balance transfer offers. This has now cost us {$260.00} if interest that would not have existed if we hadn't tried to " save money. '' On XX/XX/2018 due to the card 's more competitive rate, we decided to make our Bank of American Mastercard ( BofA MC ) our primary credit card. 

To make things easier, we transferred our other credit card balances to BofA MC for 1 year of 0 % interest. They charged us $ XXXX {$42.00} ( {$96.00} dollars ) for the " special '' transfers, so it is no really 0 % it is 4 %. Then they begin charging immediate interest on our other new purchases. Even with us paying our normal payments on time, we have faced {$200.00} of interest that would have been {$0.00} before the special offer. This should be crime. 

When taking the 0 % deal, all the agent had to say was ... '' this will remove your grace period on new purchases, are you sure you want that? '' Instead, he just kept saying do you understand you'll be charged interest at 12.49 % on new purchases ... And I thought " of course, thats how it always works. '' So I agreed. The language BofA used is meant to trick people. 

We stopped using the card as soon as we realized their actions, but would like to be reimbursed and this " bait and Switch '' to be stopped. 

When I spoke to Bank of America about my displeasure, they acted like it was just too bad for my family and offer no resolution!!
Consumer complaint received 2018-06-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: National Recoveries, Inc. (PA)

I was lied to by national recoveries inc about what my payment options were, advised to send my husband 's income with out his authorization. I was told I had to pay XXXX dollars a month and get garnished. I am now approved for a consolidation I took out with out the collection agencies help because they said I did not qualify. The never returned my calls and left me feeling like I had accept the garnishment or pay XXXX a month which would have put me in a financial hardship.
Consumer complaint received 2018-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Security Credit Services, LLC (GA)

This debt was actually included in a chapter XXXX bankruptcy which has been discharged. After numerous attempts with via phone and email to the debt collector and also with the credit bureau this issue still remains on my credit report as a collection account with a past due balance. The amount of the collection is {$820.00}. The date of the initial debt was XX/XX/016.
Consumer complaint received 2018-02-01
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. (FL)

XXXX XX/XX/XXXX Letter Credit Bureau XXXX XX/XX/XXXX I mailed off a certified letter to the following credit bureaus. I noticed that it has been past 90 days now and nothing has been resolved at this point your company continues to report inaccurate information on my credit report. I am now sending my second letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that you breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached a letter of the inaccurate information that is listed on my credit file by your company. The accounts listed on my credit file are reporting inaccurately and theyre listed in the attachment below. You removed some but you didnt remove the following in the attachment.
Consumer complaint received 2020-08-19
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: CULLEN/FROST BANKERS, INC. (TX)

I have a loan with Frost Bank, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, Frost Bank, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2018-06-18
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. (MN)

This is about the three major credit agencies and the errors I can not get fixed. 

On XX/XX/XXXX I closed my XXXX cell phone account after repeated and egregious fraudulent charges went unaddressed. I opened an account with another service. My bill was paid. Their bills continued to accrue even though I not only no longer had service with them, AND had been billed for and paid charges for months in advance, AND confirmed that I owed nothing online with a chat rep and downloaded a document which Ill include, yet they continue to report a delinquent account on all three credit bureaus : Experian, XXXX and XXXX. 

Ive tried correcting this with those agencies but they either have online forms that are hosted on sites that break down, or they seem to do nothing. 

In addition, all three agencies are listing hard inquiries, some twice, on the same datesXX/XX/XXXXXX/XX/XXXXand XX/XX/XXXX when I applied for a car loan online and then with XXXX not knowing single applications would go to multiple banks : XXXX XXXX XX/XX/ Consumer portfolio XX/XX/ and again XXXX XXXX XX/XX/18 XXXX XX/XX/18 Among others. 

Also, they all list me as having no credit history yet I paid XXXX XXXX XXXX for three years on time. When they sold it to XXXX XXXX they also list me as current. 

Addresses are wrong, places Ive never heard of are listed as former homes.
Consumer complaint received 2021-10-09
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc. (OH)

I was charged XXXX a month for XXXX XXXX Subscription on my ALL rewards credit card for a year & a half. When I realized these {$9.00} kept appearing each month, I called Comenity. They filed a claim with their fraud dept & said they would stop any further charges from XXXX. Charges continued to appear each month. I canceled credit card & they issued a replacement. Charges continued on new credit card. I was charged a late fee when I refused to pay statement. Comenity then informed me their fraud dept had ruled since I paid the XXXX each month I in fact was saying these charges were legitimate. I contacted XXXX ( letter attached ) & after several weeks of investigating, they located the account that the unauthorized charges stem from. XXXX said since I did not sign up for this subscription & I do not recognize the account, they said to go back to Comenity & file for a chargeback. I did this. Comenity said they did two separate fraud investigations on this ( obviously not checking with XXXX ) & they are standing by their original decision. The total amount of the refund I feel I am owed is XXXX.
Consumer complaint received 2021-02-27
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: I.C. System, Inc. (MD)

I have been monitoring my credit report and their are inaccuaries on accoun not of my doing, and have not been authorized anyone to do so. As an THE ORIGINAL CREDITOR, the law states unverfied accounts and inquieries must be removed immediately. These accounts are not authoried by me and I do not owe these alleged debts. 

XXXX shows the following misinformation : XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX. {$100.00} XXXX XXXX ) IC sys {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX  the following : XXXX XXXXXXXX XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX {$30.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$970.00} XXXX XXXX ) XXXX XXXXXXXX XXXX {$28.00} XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX )
Consumer complaint received 2021-02-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have disputed the errors on my credit report several times, but they still show up on it. I want you to continue the investigation until all the information is correct. If you can not do it, remove the negative accounts from my report. I also have inquiries that I did not authorize.
Consumer complaint received 2021-07-15
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 ()

My account is suddenly limited without any valid reason and I have not been able to get help from the customer service team. I have already provided all the information as asked by the PayPal team. But they are not ready to provide me any help and suddenly closed my account and blocked my money for 180 days. 
The email id associated with my PayPal account is : XXXX Email date whereby paypal states that i can no longer do business with Paypal is onXX/XX/2021
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I was a victim of fraud and I am requesting a security freeze on my credit file. The following address are not accurate please delete : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, WV XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX XXXX , XXXX, WV XXXX Please delete the following cellphone numbers ( XXXX ) XXXX ( XXXX ) XXXX they are number mine.
Consumer complaint received 2018-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (MN)

In XX/XX/2017 synchrony bank stopped sending me bills. I called on more than 2 dozen occasions, they said it could take up to three billing cycles. I never saw anything till some lawyer I never heard of sent me copies. They listed me as uncontactable and behind when I said no bill no payment. They wouldn't fix my online login, they told me they mailed and that's all law requires. At the same time they told me all bills sent were returned. I can't find a consumer rights lawyer near me, I just know by federal law this isn't right or even legal.
Consumer complaint received 2018-06-15
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. (NC)

I first contacted Equifax XX/XX/XXXX to let them know there was an account being inaccurately reported by XXXX on my credit report. I contacted XXXX at the address provided on the Equifax credit report to let XXXX know that the account did not belong to me. The letter was returned to me as the address reported on the Equifax credit report was incorrect. I then contacted Equifax and asked Equifax to remove the XXXX line item since the item was inaccurate. Equifax response was the line item from XXXX showing late payments in the months of XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX were verified as correct. As you can see from the attached, the address that Equifax is reporting on my credit report is the address where I sent the letter. I would like Equifax to remove this item immediately as I stated in my letter my letter to them in XX/XX/XXXX.
Consumer complaint received 2018-06-18
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. (PA)

I have tried to work with XXXX XXXX, XXXX  and Experian for over a year. 

They refuse to investigate and acknowledge the letter form the US Federal Court.