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

On or about XX/XX/XXXX I submitted an FTC report to all 3 credit reporting agencies becuase of fraudelent information. Both XXXX and XXXX removed the items but Transunion did not remove the items. Fast forward I called in XXXX of XXXX Transunion to ask why they never removed the information from my consumer report they told me they apologized and I spoke with a rep named XXXX who assured me that the items would be removed within XXXX business days. When I called back in 15 days to find out the items where never removed. I spoke with a manager who said she couldn't help me all she could do was open up a dispute even after I told her that I spoke with a rep named XXXX and he assured me that the 2 items would be removed within 7-10 days. The 2 items in question are XXXX XXXX XXXX XXXX and XXXX XXXX Bank. The fact that Transunion assured me that these items were going to be removed but then never did has caused me great pain and has prevented me from getting the items that I need for household and family purposes. Basically Transunion has caused me to not be able to obtain credit to buy the bare necessities like furniture, groceries, credit to be able to buy a car to get my family around. I have 3 kids and we have had to walk everywhere and that has caused me to experience extreme pain and turmoil in my life. It has caused a tremendous stress in my life and has caused me to lose vision out of my left eye. Now i am almost certain Transunion does not want medical issuses to be on there plate as well.
Consumer complaint received 2016-11-08
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: CITIBANK, N.A. (CO)

After cancelling my XXXX XXXX in XXXX of 2016, I received a preloaded visa debit card with a refund of XXXX on it. Enclosed with this card was information on having the moneys transferred to my bank ( XXXX XXXX XXXX ). I filled out the form for Citi Bank and requested them to transfer the moneys, these moneys have never to date made it too my account. I was given a case # by XXXX XXXX. I have contacted Citi bank several times in the last six months and all I am told is that the funds where sent and this case is closed and I should contact my bank. I have contacted XXXX and they told me today finally to call back Citi and ask them for the XXXX # and the ACH tracing # and the Settlement Date. Today XXXX/XXXX/2016 I did contact Citi for this information and was told by them that there was no XXXX # or ACH information for this Visa account ( card XXXX ). I was also told that if the moneys did not get to my XXXX account that the card would automatically be put back on the card. That is very interesting as on the back of this card it is clearly marked non-reloadable! I believe what has happened here is that I yes I missed placing a ( XXXX ) in the bank transfer number info. For my account info I typed in XXXX, this number should have been and is XXXX. I have tried diligently to explain too Citi that I made this mistake and request them to investigate and either reload the card or issue a new card with the money due me XXXX, They have done absolutely nothing and are at this point just giving me the run around. I did also make certain that Citi had the correct routing number XXXX. I am very frustrated to this point and would respectfully request your support and help in this matter. I feel that although this is my error for not getting my bank number correct, this is still money owed me and in fact with this information that I have supplied Citi it should be a fairly easy problem to correct. I believe that Citi just plain does not want to do what is the correct thing and make certain that I receive the moneys due. Sincerely and Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX tele : XXXX.
Consumer complaint received 2024-01-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NM)

I hope this letter finds you well. I am writing to dispute an account that I believe to be fraudulent and associated with your services, as it has appeared on my credit report. I kindly request that you investigate this matter promptly and take the necessary steps to remove the fraudulent account XXXX XXXX XXXX XXXX XXXX from my credit report. I am taking immediate action to address this issue by disputing the account 's validity.
Consumer complaint received 2020-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Citicards charged me late fees and penalties for not paying my account on time for the month of XX/XX/2020. I advised them that my partner died in XXXX and he was hospitalized on XX/XX/2020 and due to the XX/XX/XXXX I could not visit. I was on the phone with him, his doctors, nurses, aides, insurance companies, etc. to care for him and meet his needs. He was in XXXX for 5 days and not expected to live. Unfortunately I do not receive paper statements only emails, and I can not recall seeing an email from Citi, but under the circumstances when I spoke to the rep and told her the situation I was sure as a valued customer for many years they would not continue to bill me for fees and penalties, but they did. I paid the bill minus the fees and stopped the card. They insisted there were additional charges. I paid the charges but the fees and penalties just kept increasing. I wrote letters, called, sent emails and no one was interested. I have another Citi card for many years and I'm pretty sure they will not issue another card to me, even though I have always paid the card in full. My good credit is gone because Citi ruined my credit. I just had to pay utility companies {$50.00} because I have bad credit. I have been treated like a credit risk because of Citi 's inability to understand when a death occurs to someone very close, your thought processes can suffer. Where was their customer service? My partner was also on the card and they destroyed his credit, not even remembering that he had passed away.
Consumer complaint received 2022-07-20
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate information I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inaccurate information : XXXX XXXX XXXX XXXX, CO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, CO XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX
Consumer complaint received 2016-02-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NC)

Under another CFPB complaint, XXXX XXXX had gotten information from Equifax although I had not applied for a XXXX XXXX, which was done fraudulently by XXXX. 
XXXX XXXX sent me a denial letter based upon information garnered from Equifax. 
I have tried several numbers given for Equifax , but in the end, the prompt transfers me to a fast busy signal ( essentially cutting me off ). This constitutes a refusal to provide me a free copy of the report that XXXX XXXX viewed fraudulently and denied credit based upon the fraudulent event. Since I am in a posture to obtaining a XXXX mortgage, the above stated could injure my reputation and credit, as well as interfering with me ( XXXX Veteran ) in garnering a home to live, which in the end could lead to homelessness in my last years.
Consumer complaint received 2022-08-09
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. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # 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 a account without my written instructions
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (DC)

For the past few months Wells Fargo has been increasing my payments each month. Although I have not been charging over XXXX each and every month. 

The increase is only due to my amount of saving in the account, I have been saving money to pay for my soon admission to a XXXX home, my savings are NOT DISPOSABLE INCOME!, Wells Fargo is trying to extort money from me since as a result of my saving amount in the checking account. 

Wells Fargo could care less that, I am a XXXX XXXX XXXX XXXX citizen on social low social security XXXX income. 

these increase in fees are inhibiting my ability to meet my basic human needs of food, prescriptions etc rent etc. but Wells Fargo has absolutely no value for me as a loyal for over the past 10 years, they just want my money, they dont care that my refrigerator is bare, I cant purchase my XXXX  and XXXX medication this month.. I now have a XXXX notice, before a XXXX is available at the XXXX home.. 

Wells Fargo stipulated, The rule is for increasing monthly payments, is when you charge more then XXXX per month your fees go up, I havent been charging no where near XXXX per month, rarely charge anything in that card!
Consumer complaint received 2021-09-02
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. (IL)

My first issue is the the representative whom I spoke with to secure the loan misrepresented the insurance product that they offered. He explained to me that in the event of loss of employment the insurance would pay off my loan for me. Well that did not happen unfortunately I was laid off XXXX XXXX and this insurance product that the XXXX representative sold me on did not pay off my loan. I am requesting that the insurance product they are selling be investigate and properly marketed to consumers with the correct information ... ... ..The insurance will only pay for 3 payments in the event of lose of employment. I am asking they my pay my loan in full as this is how it was advertised to me when sold. 
My second issue is that the insurance company paid XXXX XXXX for my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Payment however XXXX is reporting these as late payments on my credit report. I would like to these late payments immediately removed from my credit report. I have attached the information and emails from the insurance company stating they made the payments directly to XXXX XXXX so why are they reporting them as late payment. 

Sincerely XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-07-20
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. (LA)

There is an account on my Equifax report from XXXX XXXX acct # XXXX. this account is not mine and i have never done bussiness with this company. I have disputed this account since it was mistakenly put on my credit report. i have called the company and they have also came to realize this is not my account. how can equifax validate an account if the company is saying its not right. i have also asked equifax. to send me proof of there validation, but i have yet to receive anything
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (SC)

I put {$5000.00} on a secure card with US Bank to rebuild my credit. They know these cards are intended for that purpose. 

I pay off my card in full each month for 4 months. 

On the XXXX month, in XXXX 2021, I paid it off in full and they CLOSED the account. I called and asked them why and they said they did not recognize the bank account ( XXXX XXXX  ). I mailed them my statement and they re-opened my account after a week. 

I asked them to update to the credit reporting agencies that my account was OPEN and they refused-telling me I had to do it. 

I have send documentation to XXXX XXXX and XXXX XXXX and still the report shows my account as closed, lowering my credit score. 

Both XXXX and US Bank are reporting false information and I want this rectified.
Consumer complaint received 2020-09-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MA)

Good morning ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Original Creditor Name XXXX XXXX   balance of {$270.00}? ). I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXXXXXX XXXX for code of ethics violations.
Consumer complaint received 2023-03-30
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. (MD)

This is my further Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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 XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES (TX)

Provident Funding received a quote for home insurance from my current incumbent ( XXXX XXXX owned by XXXX. This was over 2 months early ( from the renewal date ) and over a 20 % premium to my previous contract. They paid this early via my escrow account and without any consultation. 
Our contracts do not identify any terms for governing this process however a reasonable person could expect that a service need only be paid for a week in advance and anything over 10 % should be consulted with the client whose money they are spending. 
Provident 's response has been that I must spend my time to contact the insurance provider and request a refund and during the interim must find new money from somewhere else. It is not their problem even though they created it.
Consumer complaint received 2016-03-24
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Reverse Mortgage Solutions, Inc. (CA)

We obtained a Reverse Mortgage on our mother 's home via her living trust in order to provide her with in home medical care. Our mother passed away in XXXX. Our loan was sold to Reverse Mortgage Solutions for servicing. We notified Reverse Mortgage solutions of our intentions to complete the terms of the living trust and sell the house to pay off the Reverse Mortgage in XXXX. We were instructed by the representative of Reverse Mortgage Solutions that we would have three months to settle the trust and sell the house, and that if we could show the house was in process of being sold, we could have a three month extension to complete the sale if needed, for a total of 6 mos. We were also told in our HUD counseling session prior to signing the loan that we would have 6 months to settle the trust and sell the house. We settled the trust in XXXX and sent copies of the trust documents to Reverse Mortgage Solutions. We followed up via telephone and email to confirm the documents were received and informed representatives of Reverse Mortgage Solutions the house was being readied to go on the market and should be listed in mid XXXX. In XXXX we again notified Reverse Mortgage Solutions by email and by phone of our progress and requested a payoff statement for the loan in anticipation of closing the sale on XXXX XXXX. The Payoff statement we received states it is good until XXXX XXXX. During escrow in XXXX, the escrow officer requested a revised payoff statement as she could not accept our copy and needed XXXX sent directly to the Escrow Office by Reverse Mortgage Solutions. She was told it could not be sent before XXXX XXXX. We delayed the close of escrow to accommodate the schedule of Reverse Mortgage Solutions. The statement did not come on XXXX XXXX and when we called were told the loan was in default, and had been in default since XXXX, that Foreclosure procedures had been started, that they had received no communication from us regarding our intentions, and that once a property is in default, it is not possible to request a payout statement for a specific time frame. Our buyer needed to be out of their existing home by XXXX XXXX, and their approved loan expired end of XXXX. We spend one and a half hours on the phone talking to various representatives of Reverse Mortgage Solutions and all of them insisted they were not able to provide us with the payout document. We were trying to pay off the loan and they were the only obstacle to doing so, and they repeatedly and steadfastly refused to give us the document we needed that only they could provide. They said their records showed we had never contacted them to discuss our intentions or progress, but we have well documented our correspondence and conversations with the various representatives. They also claim we were notified we were in default, but we never received any notification that we were in default or that Foreclosure proceedings were in process neither in conversations, email or by post.
Consumer complaint received 2022-07-20
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. (IL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Credit Bureaus are required to remove any items not later than 4 business days after the XX/XX/XXXX letter. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX  XXXX Balance Owed : {$51.00} ; XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX Balance Owed : {$630.00} ; XXXX XXXXXXXX Balance Owed : {$70.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX OF XXXX Inquiry date XX/XX/XXXX ; XXXX  XXXX BANK XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX ; XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXnquiry date XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ;