davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX, XXXX, TRANSUNION I recently received a letter from XXXX XXXX XXXX that they couldnt validate their debt. I requested from XXXX XXXX XXXX to provide the chain of custody that they purchased a XXXX account in my name, the name and address of the original creditor, the sign contract of the original creditor, the opening date of the account, payment history, last payment made status of account closed or charged of with dates. Michigan Law 339.901 thru 339.930 forbid unlicensed debt collector to report to credit bureaus and XXXX XXXX XXXX is unlicensed in the state of Michigan. To all credit bureaus state the reason why your not complying with Michigan Law 339.901 thru 339.930? 
To all the credit bureaus list the XXXX account as fraud because XXXX XXXX XXXX has not sent me any validation documents of their XXXX account.
Consumer complaint received 2020-07-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TN)

After Citi fraudulently stole {$2900.00} and refused to refund me despite my multiple appeals, I filed a CFPB complaint. As retaliation, they closed my account the night of XX/XX/XXXX, the day before XXXX of XXXX weekend. These cowards refused to provide me with the true explanation, but I finally found out it was retaliation through some digging. 

On XX/XX/XXXX, I received a letter that I would receive my funds from the closed account no later than 10 business from the date ( XX/XX/XXXX ). I called on the 8th business day, and was assured I would receive my funds by the XXXX. I did not. I tried to call again today, and it appears the bank has blocked my number and stolen these funds as well ... ..
Consumer complaint received 2022-07-18
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. (MI)

The credit bureau stated that my account was properly investigated but how is that possible if the following items are all inaccurate : the high balance amount * last verified date of last activity date reported date opened date closed creditor type llsted as finance/personal last payment the creditor remarks are also inaacurate This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 section 602 A which states that I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-18
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. (NY)

This account is on a balance liquidation plan. I paid the amount due on time. It was supposed to be an automatic payment with only {$63.00} due. Now it is being reported as 30 days late when I paid on time within the required terms. The conversation is on file with the bank. I did not make a late payment and this should be removed from my account.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

First off, Thank you so much for helping us in correcting the discrepancy on my credit report with XXXX. I am reaching out once more to report the same error ( bankruptcy yr. XXXX & XXXX ) that has been reported on my credit report with the transunion agency dropping my credit score from a XXXX to XXXX as of XX/XX/XXXX. XXXX. And a delenquency mark with our car loan which we are currently paying.Thank you once more. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Recently, I took a look at my credit report and I have shockingly found unverifiable, invalidated, inaccurate and questionable items that your agency did not make sure was reporting 100 % correct In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) These accounts are in violation of not reporting 100 % accurate. 

1. XXXX XXXX, Account # : XXXX The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification - Description of reinvestigation procedure.
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

XXXX XXXX is showing my student loan account 60 days past due in XX/XX/XXXX. An administrative forbearance was granted and backdated to XX/XX/XXXX followed by the disaster forbearance. The account should not be showing past due with a back-dated forbearance.
Consumer complaint received 2020-07-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (MO)

I signed closing documents on XX/XX/2020. During the process, I noted that a payment for homeowners insurance was being withheld as part of my closing costs. Additionally, nowhere in the closing documents did it detail the disbursement that would need to be made to the insurance company. 

As part of the refinance " tasks '' that are a part of the process Better uses, I had previously submitted proof of payment for that cost on XX/XX/2020 ( see attachment XXXX ) and requested that insurance be not included as a closing cost ( see attachment BetterHOItask ). When I contacted Better to try and rectify this, their agent stated that somehow the file I submitted must have been replaced with one that did not show the payment ( even though it does, see attachment XXXX ), and they did not know how it happened. The agent then stated I would have to take up the issue with the insurance company for getting a refund, though as of XX/XX/2020 the insurance company has no record of receiving any payment from Better.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Your continued reporting of fraudulent information on my consumer report, despite my previous disputes, constitutes a violation of consumer protection laws. These unauthorized items resulted from identity theft and were never approved by me.
Consumer complaint received 2020-07-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Upstart Holdings, Inc. (CA)

requested financial assistance / Covid19 related relief from Upstart in XX/XX/2020 and at every single step of the way I have felt mislead and constantly on purpose made to feel confused with the relief that I was supposed to be getting since it never was made clear to me what the relief actually was or for how long. Despite my request for relief in XXXX, Upstart marked me as 60 days late in XX/XX/2020 per the attached credit report. I went through the hardship application process and was led to believe that I was approved. I have attempted to resolve this matter with Upstart by telephone only to get the runaround from each and every representative I have talked to..essentially they attempt to frustrate consumers with excessive wait times and runaround in the form of being transferred from one agent to another and nothing gets investigated or resolved. 

As a result of the derogatory marks on my credit report I have taken a XXXX point hit in my scores and am about to need my credit for a major purchase and as a result of Upstart I will have actual and statutory damages. I am attempting to mitigate my damages before I acutally sustain any further actual damages. So far I have sustained over {$370.00} worth of actual damages, which I can prove. 

I do not wish to escalate this matter much further as long as this gets handled within the next 14 days by upstart. Should this matter yet again not be properly handled I will retain a lawyer and seek damages pursuant to Consumer protection law under ( CA CCRAA ) California Civil Code California Consumer Credit Reporting Agencies Act 1785 et seq and The California Rosenthal Act 1788 et seq ( RFDCPA ) I am also requesting that Upstart communicate in writing only via this issue and not contact me by telephone. 

Despite my efforts to resolve this I have felt very bullied by upstart since they are leveraging my credit report and in the process I paid them {$1000.00}, which is money that is hard to come by right now. This entire thing is causing me so much stress and anxiety as I have now spent countless hours trying to fix the mistakes caused by upstate and the damage they have caused me.
Consumer complaint received 2021-05-25
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. (IN)

Back in XXXX of 2021 My fianc and I went through the pre-approval process for a first mortgage. XXXX  and XXXX came back normal on the credit pull, but my Equifax score came back fraudulent. I have a master card with XXXX XXXX XXXX that should be reporting to Equifax. I called customer service numerous times in XXXX, faxed the necessary documents ( Social security card, drivers license, pay stub, and bank statement showing my loan and social security number ) to Equifax twice. Each time I got a card in the mail sating I had no Credit History. We then spoke with the VP of lending at my bank. He told us the Bank was not reporting my credit info to Equifax. He did an emergency report on XX/XX/XXXX, which was blocked as fraudulent. Based on conversations he and I had with customer service it appears someone else is incorrectly reporting to my social security number and I have no credit history due to the inability of my card to report.
Consumer complaint received 2020-04-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: KEYCORP (PA)

Re : Covid-19 Forbearance due to Covid related loss of income I spoke to a Key Branch manager about forbearance in early XXXX ( Date? ) and was sent out a packet. I then called the mortgage department and was told NOT to fill out a packet, and to wait for a call back from Loss Mitigation. 
After several weeks, and no call-back came, I contacted a Key representative on XX/XX/XXXX @ XXXX XXXX  and spoke with an agent who Transferred me to the loss mitigation department. The gentleman who answered explained that no payments would be due for 90 days and that after that period I was to call in and a streamline process would take place, where we would be eligible to add the payments to the end of the loan. He also explained that he was the head of the loss mitigation department ( i did not get his name ) and we spoke for over 20   minutes about my fears that 4 months of payments would become due at the end of the forbearance. I am not working due to stay-at-home mandate in Pennsylvania and said we would NOT be able to come up, win 4 months. He assured me not to worry, and that as of now no other paperwork is required. 

Today we received paperwork in the mail to fill out ... I called and was told by an agent in loss mitigation ( XX/XX/XXXX ) that all payments ARE due at the end and that what was explained to me on XX/XX/XXXX is Incorrect. 

I would like to speak to the person who I spoke to on XX/XX/XXXX to confirm and get clarity. 

We are scared to death now that Key will be attempting to take the home weve been in for 17 years. 

I was very cautious and clear when going into this forbearance situation that we would not be able to come up with 4 months of payments at once, and I was assured on XX/XX/XXXX that that would not be the case.
Consumer complaint received 2022-09-17
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. (MI)

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 items 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 Items : XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI 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 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 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 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 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 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 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 2022-07-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-21
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (NJ)

On XX/XX/2020 I made a charge on my CARECREDIT REWARDS MASTERCARD from  XXXX XXXX  for veterinary services for the amount of XXXX dlls. Due to COVID-19 we  had to do this transaction in a new manner which we had never used before and we were under stress since we were worried about our Pet so we just selected one of the options available without reading the details carefully. This turned out to be a Fixed Payment with reduced APR plan when we always used to select a Deferred No Interest plan. After everything was OK with our Pet and we looked at our account online, we noticed that the charge was done in a way that was unfamiliar to us and we called the credit card company to have the charge changed to a deferred plan. They told us they could not do that but the service provider could make a request for the transaction to get changed. We contacted our vet XXXX XXXX XXXX XXXX XXXX XXXX whom agreed to proceed with the change. After one billing cycle and being {$40.00} in interest, we called the credit card company and they confirmed they saw the request being put on by the clinic and it would be reflected in the next statement. One month later and {$61.00} dlls more on interest, we contacted the credit card company again and they told us that the change would take 1 to 2 billing cycles, not only 1 as  described earlier. We asked if once this happened the interest charged would be returned and they said that it would be so. I called again today XX/XX/2020 after another billing cycle and {$61.00} dlls more charged on interest and was told that the change had been declined by the company 's provider services team. When I asked for the date of the denial they told me it was that same day XX/XX/2020. I find it very strange that they would deny it the exact same day that I'm calling them fo r an update. This whole process seems to be full of irregularities and it seems to me that they are doing anything in their to make sure that you pay for interest while the process is taking place and then they deny you after a couple of months. They also give you different responses every time you call about the length of time that this would take to get resolved and they do not let you speak directly with the team involved in the denial of the request. They told me I would have to call my service provider ( the veterinary clinic ) to find out why this was declined and I could not talk to the Provider Services team. The customer service representative said that they had no access to the information regarding the denial and made it sound as if it came from another company when we are talking about the same company and it would make sense that customer service should be able to access that information to be able to provide the clients with more details.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This account is on a balance liquidation plan. I paid the amount due on time. It was supposed to be an automatic payment with only {$63.00} due. Now it is being reported as 30 days late when I paid on time within the required terms. The conversation is on file with the bank. I did not make a late payment and this should be removed from my account.
Consumer complaint received 2021-05-25
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: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-07-18
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. (SC)

In accordance to the Fair credit reporting act the list of accounts below violated my federal protected consumer rights to privacy and confidentiality. Also have multiple inaccurate information, Under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602a states that I have the right to privacy 15 USC 1681 section 6048 section 2 it also States consumer reporting agency can not furnish account without my written consent 15 USC 1861 c ( a ) ( 5 ) no consumer reporting agency may have a consumer report containing any of the following items of information any other adverse item of information, other than records of conviction which antedate the report by more than 7 years 15 USC 1681 S -A ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is incorrect According to 15 USC 1681 n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} but not more than a {$1000.00}
Consumer complaint received 2021-05-25
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: LEXISNEXIS (NC)

In XXXX of 2021, I contacted Lexis Nexis Risk Solutions Consumer Center via certified mail to challenge the validity of an alleged bankruptcy that Lexis Nexis have listed on my consumer report. Lexis Nexis responded via mail that their bankruptcy reporting is accurate, and that Lexis Nexis verified the bankruptcy by contacting Virginia Federal Bankruptcy Court. I, too, contacted Virginia Federal Bankruptcy Court on XX/XX/2021, and was informed in writing on XX/XX/2021 that Virginia Federal Bankruptcy Court did not verify any information with Lexis Nexis. On XX/XX/2021, I contacted Lexis Nexis via certified mail and requested that Lexis Nexis provide me with the detailed method that Lexis Nexis used to verify the the validity of the alleged bankruptcy. Lexis Nexis has failed to respond within the allotted 30 business day time frame.