davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
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. (GA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2016-05-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

I signed up for a business account with CITI bank and I was informed that monthly fee of {$19.00} would be waived if I signed up for XXXX device, XXXX XXXX. I met with XXXX XXXX representative and he signed me up for their services and never mentioned that there would be any monthly fee for their services. On XXXX/XXXX/2016 I found that my account was over drafted {$80.00}. As per CITI bank representative, I was charged {$32.00} by XXXX XXXX merchant, {$19.00} for the monthly CITI bank maintenance fee and {$35.00} overdraft fee. I should not be charged maintenance fee of {$19.00} by CITI bank, {$32.00} by XXXX was not authorized.
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I HAVE SOMEONE USING MY SOCIAL THEY ARE IN OHIO I TRIED TO GET MY CREDIT REPORT ONLINE AND IT ASKED ME QUESTIONS TO VERIFY MY IDENTITY AND IT HAD XXXX NUMBERS ON THERE AND I LIVE IN XXXXASO I COULDNT GET MY CREDIT REPORT NOW I KNOW THEY AT LEAST HAVE A PHONE IN MY NAME PLEASE I CALLED IN TO GET MY CREDIT REPORT BUT I DONT KNOW IF THEY WILL SEND IT TO ME
Consumer complaint received 2020-06-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (WA)

I applied for COVID-19 mortage forbearance with SunTrust ( Truist ) and received written approval in XXXX. I received a 3-month extension in writing on XX/XX/XXXX, stating my next payment is due XX/XX/2020 On XX/XX/2020 I receives a letter from SunTrust regarding my delinquent account and offering to explain my foreclosure alternatives. This letter was sent while I am under a written agreement for mortgage forbearance under the CARES Act. 

When I tried to contact SunTrust to discuss this, no emails of phone message I left were returned. 

My complaint is that SunTrust is stating I am delinquent in my loan, and states that " The longer you wait [ to XXXX payments, or contact us ], or the further you fall behind on your payments, the harder it may be to find a solution. ''
Consumer complaint received 2020-06-22
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. (NC)

My XXXX XXXX card says closed. When I call XXXX XXXX  they tell me it is open. I was told that if I make payments on time that my account would reflect. My company list work due to covid. I called. And was told my account would not show any late pays. But it does XXXX XXXX XXXX XXXX XXXX is not suppose to show late. And XXXX shows closed this is incorrect.
Consumer complaint received 2020-06-22
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. (NC)

My XXXX XXXX card says closed. When I call XXXX XXXX  they tell me it is open. I was told that if I make payments on time that my account would reflect. My company list work due to covid. I called. And was told my account would not show any late pays. But it does XXXX XXXX XXXX XXXX XXXX is not suppose to show late. And XXXX shows closed this is incorrect.
Consumer complaint received 2016-12-11
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

A company by the name of " Portfolio Recovery '' has re-aged an account and reported it to the credit bureaus. The credit card account was previously closed in 2012 but is being reported as a new charge off with a new and recent date, which is affecting my credit score. Also, I was never contacted by " Portfolio Recovery '' to validate any information.
Consumer complaint received 2016-06-16
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Innovative Credit Solutions (IL)

The debt collector is refusing to answer the following questions and refusing to remove the account from my credit reports. 
1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed?
Consumer complaint received 2016-12-21
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX 2 transfer adjustments of XXXX were made to my account, increasing the amount owed on the card XXXX. There was no reason for these adjustments, I believe they stem from a fraudulent charge made to my account in XXXX of this year. The fraudulent charge had been transferred from the credit card it was made on to this account. I called the credit card company and they corrected it. Not long after, they made another transfer adjustment to my account. Again, I called and it was corrected. 
On XX/XX/XXXX they did the same transfer adjustment, twice. I have called 5 times over the last 6 weeks and have been assured that it would be corrected. It has not. I am contacting you because it now seems clear that USAA is unwilling to correct their error,
Consumer complaint received 2017-01-08
Product: Credit card — 
Issue: Transaction issue — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

XXXX canceled her XXXX account with XXXX XX/XX/2016. XXXX continued to collect money from her using automatic bill pay ; even though she cancelled, returned the equipment, cancelled the contract, paid off the contract. 
XXXX billed for services not rendered. XX/XX/2016, XX/XX/2016, XX/XX/2016 
There was no XXXX equipment at her house, it had been returned in XX/XX/2016
Consumer complaint received 2022-10-02
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. (MI)

My credit report shows a credit card as closed. It is not closed nor was it closed by me. I have submitted statements and screenshots from inside the credit card companies own website a mobile app. Account shows a credit balance of {$1.00}. Equifax refuses to change this account even after the credit card companies documents clearly show it is in fact not closed. This is not the first time I have disputed this.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I pulled my credit reports in 2020 and noticed there were a few accounts listed that I did not open and or authorize. I completed an identity theft affidavit along with a police report as instructed, all of the fraudulent accounts besides a credit card from XXXX XXXX XXXX were removed. I contacted XXXX XXXX XXXX over 6 times, sent a mailed copy of the ID theft affidavit, police report, and disputed this account with the three major credit bureaus numerous times, not to mention called and supplied information with the reply that I would get an update, return call or correspondence, which was a lie. This company has delayed responses and resolution to removing this account that I have stated was fraudulent opened using my personal information. The address linked to this account is also fraudulent as I have never lived at the address. I have also submitted these documents and request to all three creidt major credit bureaus. XXXX was the only bureau to comply. Experian verified the fraud account, which doesnt make any sense and XXXX did not respond. I have been dealing with this issue for over a year.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I pulled my credit reports in 2020 and noticed there were a few accounts listed that I did not open and or authorize. I completed an identity theft affidavit along with a police report as instructed, all of the fraudulent accounts besides a credit card from XXXX XXXX XXXX were removed. I contacted XXXX XXXX XXXX over 6 times, sent a mailed copy of the ID theft affidavit, police report, and disputed this account with the XXXX major credit bureaus numerous times, not to mention called and supplied information with the reply that I would get an update, return call or correspondence, which was a lie. This company has delayed responses and resolution to removing this account that I have stated was fraudulent opened using my personal information. The address linked to this account is also fraudulent as I have never lived at the address. I have also submitted these documents and request to all three creidt major credit bureaus. XXXX was the only bureau to comply. XXXX verified the fraud account, which doesnt make any sense and Transunion did not respond. I have been dealing with this issue for over a year.
Consumer complaint received 2022-01-05
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. (TX)

Equifax is furnishing fraudulent information on my credit report. I've reached out to them multiple times to handle situation. Due to them furnishing such information on my consumer credit report it is hindering me from receiving new credit to help put my family in a better position. The inquiries on my consumer credit report are fraudulent and Equifax has yet to prove otherwise. I've reached out to receive proof of any kind of inquiries not being so and they have yet to supply me with any documentation or anything.
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Early Warning Services, LLC (CA)

Early Warning has failed to properly investigate the incident date of XXXX/XXXX/XXXX with the furnisher of XXXX. I 've requested proof of the investiagtion and procedures and never received anything from Early Warning or XXXX. Early Warning has refused to remove the inaccurate information is list in regards to XXXX Account/ Ref # XXXX. I called Early Warning on XXXX/XXXX/XXXX to follow up on the investigation. I spoke to XXXX who gave very poor service and refused to answer questions and decided to hang up on me without incident or providing any level of service. Being that Early Warning is funded by the furnisher of the information Early warning has failed to impartial to the consumers.
Consumer complaint received 2016-11-27
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial (IN)

I took out a XXXX $ loan originaly with XXXX $ monthly payments that are due on the XXXX of the month from XXXX XXXX to XX/XX/XXXX.Now i access my online acct for spotloan it has me with owing XXXX $ and paying XXXX $ a month starting XXXX thru XX/XX/XXXX? How did my loan go from XXXX $ to XXXX $ and have n't made a payment yet?
Consumer complaint received 2015-10-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NRA Group, LLC (PA)

I had received a medical debt from XXXX XXXX, I put in a dispute against them because it was a workmans comp claim, I then was contacted by National Recovery Agency who was also claiming the same debt. I filed disputes with both company 's and XXXX XXXX had it removed, I have made several contacts with NRA and they continue to deny my request they are very rude and disrespectful even after I submitted the paper work to them. I want this debt removed based on that I XXXX her owe this debt or I 'll be filing a law suite !
Consumer complaint received 2020-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc. (CA)

AWA COLLECTIONS is reporting a debt I do not know. I have not signed a contract with them. I do not know who this company is. When I contacted them they did not give me any relevant information. The are violating FCRA rules
Consumer complaint received 2016-06-20
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Commonwealth Financial Systems, Inc. (AL)

Debt collector threatened to sue me over time barred debt. When I told them this threat was illegal they told me it was not. They said they were an attorney who bought this debt & they would be serving me in the next few days with a lawsuit over this time barred debt. After hanging up with them they immediately called me back to threaten & harass me further.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX A V XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-11
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (NY)

I WENT TO USE MY CREDIT CARD AT SEARS AND THEY CUT THEM UP BELITTLING ME,. AFTER OVER 50 YEARS OF GOOD CREDIT THEY CUT EM UP IN FRONT OF ME BECAUSE I DIDNT USE THEM FOR A WHILE, PAID CASH. THAT IS HOW THEY TREAT A OLD VALUABLE CUSTOMER! I WILL NEVER SHOP ANY OF THEIR STORES OR AFFILIATES AGAIN.
Consumer complaint received 2016-12-08
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, I purchased a Samsung Smart TV from Best Buy, with a Best Buy credit card, for {$2100.00}, 24 mos interest free financing. Regular monthly payments were automatically deducted from my XXXX checking account. I had paid {$1200.00} when I first became aware, in the XXXX, that Citibank was charging me interest from XX/XX/XXXX, retroactive to the date of purchase, XX/XX/XXXX!! I was not receiving paper statements from BestBuy or Citibank and was n't opening any email communications because payments were being made automatically. 
My phone & mail attempts to settle w/Best Buy were to no avail. On XX/XX/XXXX, I nevertheless paid by phone an additional {$1200.00}, so I have now paid {$2400.00} ; but according to Best Buy I still owe {$1800.00}. 
In XX/XX/XXXX, I filed a complaint with the XXXX Dept of Consumer Affairs ( Case No XXXX ). Not until XX/XX/XXXX was I notified that Consumer Affairs does n't handle complaints against financial institutions ( i.e., Citibank )!! 
I believe BestBuy 's policy is unfair & usurious, designed to take advantage of unwitting customers. I recall reading in the XXXX that other complaints and perhaps a class action suit has been brought against electronic companies for these kinds of practices. A copy of the Best Buy receipt is attached. XXXX Consumer Affairs recommended that Id submit complaints to the FTC ( which I did, but it turns out FTC does not handle individual complaints! ) Thank you for your assistance.
Consumer complaint received 2016-11-07
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Midwest Recovery Systems (VA)

On XXXX/XXXX/XXXX, I received an alert that I have a new collection activity on my credit file. I found that it was this company ( Midwest Recovery Systems ) that supposedly purchased this account from another debt collector. I contacted them and XXXX, the recovery specialist informed me that it came from a payday loan that was taken out in XXXX and that he did not have the original paperwork that I asked for. I told him that I wanted to dispute this, and he told me that it would stay on my file until it was paid in full. He did say that he could make payment arrangements in order to settle the debt, but the mark on my credit will stay for seven years. I am a XXXX veteran XXXX, and I do not have the type of money he is seeking for a debt that I have no knowledge of.
Consumer complaint received 2020-10-07
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. (GA)

I've been a victim of identity theft and the CRA Transunion hasn't removed the following accounts. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX recently called them and they confirmed they have my FTC and police reports to validate my claims. Please ensure Transunion removes them.
Consumer complaint received 2016-09-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NY)

I had my mortgage from greentree servicing that did not honor my loan modification I submitted paperwork XXXX different times. They said i was in foreclosure of which I want and charged my account {$1500.00} and really harassed me with phone calls and when I paid charged me a convince fee many times. I believe I am entitled to money. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2017-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I am holding a letter from bancruptcy court that they never reported to any of credit biro agency. i am willing to sue credit agency 's for reporting from a third party not the court it self.
Consumer complaint received 2016-04-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ALLY FINANCIAL INC. (PA)

We share the same last name as the debtor, but we do not know them. Ally Financial has called 4 times in the past week " on behalf of family looking for '' the debtor. I have told them they have the wrong person and to stop contacting us immediately, but the calls persist.
Consumer complaint received 2021-11-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion has hung up on me twice in regards to my previous to dispute that I called about. One representative claims that they never opened the letter, and another rep claims they completed a dispute letter on the same day and closed the dispute. However, they neglected to provide any dispute status to make me aware and I could not verify this information on their website. This violates the FCRA. In addition to this, TransUnion will not provide any information on how my disputed accounts were validated.
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (FL)

was out of work do to the stay at hm order do to cov19 contacted phh mortgage told situation an was tild to go to their website an request stay because US gov said no morgagtes would be reported late an no foreclosures an nothing negative should b reported to credit bureaus did online as instructed but they say it doesnt show WELL the GOVERNMENT said this was to be done so WHY is it even if it doesnt show NOT being adhered to HURT my score an now cant refinance my house an need some help havent had a pay check in almost three months an now this XXXX on my credit when the Whole Country was an is this should have been a no brainer for my mortgage comapny an the cedit bureau this was XXXX an XX/XX/2020 2020