davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

During a hardship, my bank was informed of my situation and was receiving arrangement of payments. Payments was made as agreed, but apparently it wasn't good enough. So, they transferred a week and a half of my income to my credit card account to make it current without my authorization. Then, in return showed me no concern when I mentioned that I was never late until this unexpected time in the economy. My hardship is fuel by inflation and a extreme decrease in my rate of pay.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I just viewed my recent credit report from XX/XX/year> and I discovered some inquiries that I did not authorize and also have no permissible purpose, I have also attached the evidence. 

These inquiries have no permissible purpose to be on my report, delete these inquiries due to violation of 15 USC 1681b. 

XXXX ) XXXX XX/XX/year> XXXX ) XXXX XXXX XXXX XX/XX/year> XXXX ) XXXX XXXX XXXX XXXX XX/XX/year> XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I called XXXX XXXX and asked to verify account # XXXX in XXXX they said another company had it so I send them a investigation request letter in XXXX and they said they didnt have it anymore so I opened a dispute with XXXX XXXX XX/XX/XXXX and it came back verified but with a repossession added to my credit card report.
Consumer complaint received 2022-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: January Technologies, Inc (NC)

I received a letter dated XX/XX/XXXX from January Technologies stating that they were hired to collect an alleged debt of {$540.00} that originated with XXXX XXXX. That letter is attached. I received a follow up letter dated XXXX, XXXX. This letter is also attached. I have never opened an account with XXXX XXXX and suspect fraud here. More importantly, there is no such personal loan account on my credit report ( also attached ).
Consumer complaint received 2022-07-13
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)

On XX/XX/XXXX I filed a complaint against XXXX XXXX via the CFPB about them threatening and taking negative action on my credit report. I have disputed the result that were provided to you by XXXX XXXX with Equifax. Equifax has failed to update my credit report and is still reporting monthly status of Charged OFF on the closed account of XXXX XXXX. This action has caused negative result significantly on my credit report. On my credit XXXX credit report XXXX XXXX has reported a Repossession of the vehicle on XX/XX/XXXX and since XX/XX/XXXX up until this year XX/XX/XXXX Equifax and XXXX XXXX has reported a Charge off status every month for 5 years. This is reporting has hurt my credit score and caused me financial ruin
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX  Account # XXXX I was never late 30 days XX/XX/2020 Im not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
Consumer complaint received 2015-08-26
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Portfolio Recovery Associates contacted me on my personal cell phone asking for my wife. I advised that this was not a number associated with her but I could take a message. XXXX then advised me that my number was indeed associated with my wifes account and proceeded to attempt to collect funds. When I told her she could not do that and asked how her company even got my number, she refused to give me any information. I asked to speak to a supervisor and she asked me if I was going to pay off the debt and if I was not then there was no need to speak to a supervisor. After a few moments on hold, I spoke to XXXX XXXX who promptly asked me if I was recording the call ( which I was ) and asked me to stop. She said it was perfectly ok for her to record the call but not me. When I advised that she was not allowed to contact me about a debt that I am not associated with, she said she could if she wanted because I am her husband. I then advised her that I worked in collections for 4 years and knew what she was doing was wrong and I was going to report her and her company to the FTC. She then got very nice and said she would remove my number from the system. I advised that if I received even one more phone call I would file a lawsuit and have my wifes debt forgiven.
Consumer complaint received 2020-05-22
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. (MN)

To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account
Consumer complaint received 2022-11-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc. (AZ)

I purchased a prepaid visa giftcard for {$500.00} plus {$5.00} fee on XX/XX/XXXX and when attempting to use it, it was declined at a merchant. I know this was a scam where the card information was compromised. My card ends in XXXX but the merchant where it declined showed a different last XXXX digits of the card when a decline receipt printed. This tells me the info was compromised. Also the CCV on the card was scratched out on the card by the scammer. I have reason to believe they somehow compromised the card to activate a different card instead of mine. Not sure how they managed to do that. Please help and mail me a new card and stop the scammer if you can thank you. 

Attached is a XXXX page document that contains : a copy of my ID, copy of the receipt, front and back of the card and original packaging. 

I contacted Vanilla gift/Incomm several times at XXXX and they continue to say wait XXXX hours and someone will get back to me. No one gets back to me. They opened case # XXXX to investigate and I sent in all requested documents. Several reps have said a new card was sent to me since XX/XX/XXXX but that's not true. A supervisor name XXXX today confirmed that nothing has been resolved and no replacement card has been sent. Please help.
Consumer complaint received 2023-04-05
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: U.S. BANCORP (CA)

Hi im writing regarding some fraudulent account on my credit report.I tried to fix it with credit bureaus and creditors no luck credit reporting agencies come back after investigation as the " information is accurate and verified '' i sent an FTC report those accounts does not belong to me i did not give any authorization to anyone to use my personal information to apply for goods and services som personal information is also wrong.I will attach FTC report .FTC report number is XXXX
Consumer complaint received 2022-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (AZ)

XX/XX/XXXX received call from XXXX XXXX XXXX on my acct. 
They claimed to refund the fraud and was a scam in which they gained access to my 2 checking accts Citibank and XXXX XXXX. Proceeded to XXXX  Approx {$440.00} XXXX CitiBank checking XXXX Their actions froze my computer and I was unable to acces accounts from that time onward. Do NOTknow actually how much they did take out of the accts. 
Droppedthe call when became suspicious, phoned both banks. REported scam, BLocked checking accts and asked for new checking acct to be opened in my name. ( CitiBank and XXXXXXXX XXXX ) SInce that time I have been working with both banks to reestablish my accts, but this has not happened yet as XX/XX/XXXX. 
Cards were sent to wrong address ( Home address and not temp address as requested ) Citicard Reissued and Address change issued XXXX. When Card activated was attached to Compromised checking acct and rep would not change to new checking acct. INsisted on reIssued of Debit card Again. Debit cards arrived and were expired when arrived. To Date I have had 3 CitiBank, and 3 XXXX XXXX Debit cards issued but still none working with my new un compromised banking accounts. 
I am XXXX and can not go into branch to handle in person!! 
This needs to be done over the phone or internet. 
CitiBank has no branches in XXXX where I live. 

Similar experiences have happened with XXXXXXXX XXXX. Every Debit Card ( 3 now ) does not activate!!!. 

I have serious bill delinquencies due to not having access to my funds pls help
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was a victim of identity theft and fraud. On XXXX 2023, I noticed a company kept appearing on my credit reports, XXXX XXXX. I have never heard of this company and immediately started investigating. I learned that this was a XXXX party lending company for auto loans. I then knew this was fraud and immediately contacted the authorities. I currently have a detective on the case and he updates me on a regular basis. I also learned that this vehicle was repossessed from the individual and that this person also got a DUI in the vehicle. The detective has made out a police report and I also had a legal notarized affidavit done and sent to all XXXX credit bureaus. I also contacted this XXXX XXXX and spoke to their fraud department, and spoke to a XXXX. She stated they would get this matter resolved but it would take 30 days. Since then, I received a letter from TransUnion stating that they came to a resolution of their investigation and that they are in accordance with XXXX XXXX and that I am responsible for this auto loan. This is a nightmare. I want to buy my first home, but now I may not be able to do this. I am also going to submit the FTC Identity Theft Report.
Consumer complaint received 2022-11-15
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: TRUIST FINANCIAL CORPORATION (NC)

Please note that in XXXX  XX/XX/XXXX, I purchased a new XXXX XXXX and the XXXX dealership provided me a loan with BB & T for a 5 year term loan. In XXXX XXXX decided to contact to sell the vehicle and I call BB & T that is now Truist Bank and their customer service representative denoted that she would have the Title with the notarized lien release mailed to my residence with 14 days. 

I sold the XXXX XXXX to a very nice lady that I told her that Truist was forwarding me the title with the lien release and I would mail or deliver the documents to her. In XX/XX/XXXX, knowing that I had to go to XXXX XXXX on XX/XX/XXXX, I initiated XXXX more call to Truist and was told the same thing that they send me the title and notarize lien release and they apologize for the delay. 

Upon my arrival back to my NC residence, in XX/XX/XXXX, I called Truist again and was informed they would get this title and lien release expedited to me. I had been bitten by a tick while I was in XXXX XXXX and upon returning back to NC, I contracted full blow XXXX XXXX. So, I contacted Truist again in XXXX  the beginning of XX/XX/XXXX. I started complaining and asked for a supervisor and the supervisor told me that there was an outstanding balance of approximately {$600.00} owed on the vehicle. I immediately paid the outstanding balance by debit card and I was assured that they would put a rush on the title and lien release request and it would not take longer than 7 days to receive. I conveyed this to the buyer of the vehicle. 

After, the 7 days expired and I had not received the title, I requested to speak to another supervisor, XXXX XXXX. I have several emails from XXXX that confirm her commitment of me receiving the title & lien release within XXXX days and as of XX/XX/XXXX I have not received the title nor the notarized lien release XXXX 
I believe that Truist should immediately deliver me the title and lien release & provide me and the buyer if the car {$2000.00} each for their deliberate terrible customer service that has caused all kinds of problems for me and the buyer. I have emails from Truist that corroborate with my complaint.
Consumer complaint received 2017-01-04
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (UT)

I called Synchrony Bank as my Chevron card had been declined. I was informed that since I had filed bankruptcy, the account had been closed -- no disputing that. The changes and payments on the account were all post-bankruptcy, and I asked if I would receive a statement for my final payment. I was told that since the account was closed, I would not receive a statement. I asked what the balance was and was given the current amount. I was told I could not make payment online or over the phone but had to mail the payment. I am not comfortable making a payment on a closed account where no balance will be documented for me to verify.
Consumer complaint received 2022-11-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Patenaude & Felix A Professional Corporation (NV)

o/a XX/XX/2022 I contacted XXXXXXXX XXXX about some unusual fees and charges on my account and informed them i was disputing those. I never heard from them until I received a letter indicating that my account was transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX  I received a letter from that firm XXXX XX/XX/2022 indicating that they are trying to collect a debit from XXXX XXXX. I returned the bottom portion of that letter to that firm indicating I was disputing the debit. This firm never sent anything in regards to the debit until I was served with a Summons from the law firm ; this firm has followed proper billing dispute procedures under federal guidelines.
Consumer complaint received 2022-11-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NJ)

I was granted forbearance by Freedom Mortgage in accordance with the XXXX XXXX during the pandemic. I was an essential worker at the time. Coming out of the forbearance, I agreed to a loan modification. I submitted the appropriate paperwork to Freedom Mortgage on XX/XX/XXXX of 2022. I called frequently to ensure I had submitted the proper paperwork to them and was assured that I did. Many months later, I was asked to re-submit my loan modification paperwork. I complied and submitted my paperwork a second time on XX/XX/XXXX of 2022. I again called Freedom Mortgage frequently to ensure I had submitted the proper loan modification paperwork. I was again assured that I did. To my surprise in XXXX, I called my payment into Freedom Mortgage as online payment was not an option. The customer care representative stated that my mortgage had moved into pre-foreclosure. I have never missed a payment to Freedom Mortgage. I've maintained my mortgage in accordance with the stipulations outlined by my forbearance and loan modification option and was being told my mortgage was in the preliminary phases of being foreclosed upon. I submitted loan modification paperwork for a third time on XX/XX/XXXX of 2022. I have called multiple times since then and have been told of errors in the paperwork despite following the previous customer care individual 's instructions perfectly. At this point, the mechanisms intended to provide help to veterans that are their customers is broken. Freedom Mortgage gives the appearance of intentionally allusive requirements and insufficient communication to customers if there are follow-up items needed. It is now 10 months later, and Freedom Mortgage has failed to act. Interest rates are now at a peak from XXXX at the time of first application to XXXX now. A 100 % XXXX veteran, I will lose thousands of dollars that I would not have had to pay in principal and interest had Freedom Mortgage followed through in a reasonable manner to protect their customer, me, against the negative impacts of a global pandemic and while functioning as an essential worker during that time.
Consumer complaint received 2022-11-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

Account was added to my XXXX report as a collection. Do not have a XXXX and have never taken out an auto loan out with this company. This does not belong to me. 

When calling agency to remove, they stated all information does not match my information with the exception of them using my social.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX ( a ) ( XXXX ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX  XXXX Acct XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX  XXXX XXXX Acct XXXX XXXX.
Consumer complaint received 2022-11-15
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: SANTANDER HOLDINGS USA, INC. (CA)

I DID NOT AUTHORIZE THIS AND DO NOT HAVE CONTRACT WITH WITH THE COMPANY LISTED BEOW. THEY DID NOT PROVIDE ME WITH THE ORIGINAL APPLICATION THAT I ASK FOR. 

SANTANDER CONSUMER USA Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX DELETE/REMOVE FROM MY CREDIT REPORT
Consumer complaint received 2023-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (WI)

I recently seen a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report they were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent from my credit report as soon as possible.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2022-11-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

Good day to all at the CFPB. Thank you for your service. My name is XXXX. I am being discriminated against and treated unfairly by the false and deceptive business practices of the for profit and non government affiliated company called EQUIFAX. I contacted EQUIFAX on XX/XX/XXXX and spoke to the agents about the discrepancies on my report and that my consumer report is more accurate and much different on XXXX than Equifax and I also notified them that I sent over a hand written letter outlining my instructions on how my personal information on my consumer credit report is inaccurate and came from the EQUIFAX data Breach in XXXX including but not limited too misspellings of my name, employer, collections, and negative accounts and that I want them removed within 5 days because I want to buy my XXXX home. The EQUIFAX agent told me that in order for any information to be disputed on my consumer credit report by me that I need to send in a copy of my Social Security Credit Card. I found that odd considering what I told the agent. I asked the agent to start a consumer investigation on my behalf and the agent said I had to send in my Social Security Credit Card.