davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (FL)

So I have been a member of Citibank credit card for close to 3 years I had an instance in XXXX & XXXX where I had fallen behind unfortunately due to loss of income at the household because of covid so I had requested for a payment program to help me catch up I didn't think they would report me late however to the credit bureaus. I have been asking them to no avail if I can pay the amount due on those two statements if they can then update my credit report but no one is willing to help out at all. 

I feel it is unfair that during this difficult times that these credit card companies will not sure any sympathy whatsoever and I have been paying on time ever since and prior to those two months.
Consumer complaint received 2019-04-09
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. (CA)

I have provided all three bureaus listed on this complaint via certified mail a copy of an Identity theft report. The following accounts are mentioned in the report that was sent and need to be removed : XXXX XXXX****,XXXX****, XXXX****XXXX - XXXX****
Consumer complaint received 2020-07-21
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 — Problem with personal statement of dispute
Company: Medical Data Systems, Inc. (TX)

There is a debt collection on my credit report on, XX/XX/2020, that I do not recall, from MEDICAL DATA SYSTEMS D/B/A MEDICAL REVENUE SERVICE XXXX, FL XXXX. Stating that I allegedly owe {$1000.00}. I have disputed it, and I do not agree with the results of the investigation.
Consumer complaint received 2021-12-07
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. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information 's about my inquiries are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that is still reporting on my account and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXX Date of inquiry XX/XX/2021
Consumer complaint received 2019-04-09
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. (OR)

I was never late, I have talked to XXXX XXXX representative and told her that I made the payment but XXXX XXXX system DIDNT process the payment, it was not my fault, but Their fault. 
I talked to an individual at your company and they acknowledged the error and I was told it will NOT show on my credit report. I have paid my entire balance.
Consumer complaint received 2019-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In XX/XX/2019, Transunion closed my positive rating account of mine due to a recent bankruptcy ( this Bankrutcy was recently dismissed ). I wrote to them to find out why, and instead of fixing the issue, they deleted the entire account! This was not what i wanted them to do. They didn't even investigate it, they just deleted it. When i called them over the phone, i asked why, they response was that this account was never reporting with Transunion! I said yes it has, i have proof of it. They actually hung up on me.They are being incoopertive in fixing this issue. They carelessly removed a very important new account of mine that was a new car loan that was helping my credit in a big way. They removed it from my credit report without even questing it. This is unprofessional! Also, i called up today at XXXX ( XX/XX/2019 and spoke to someone for a second time and was not only rude to me, but they hung up on me. This tells me they do not care how i feel! I work very hard in rebuilding my credit and building a stable credit history, and they do this to someone. This is not fair or right to me! They are violating my rights under the fair credit reporting act and want to file a complaint and charges against them! I am submitting documentations as proof that they did in fact delete my XXXX XXXX XXXX XXXX account that was being reported accuratly! This is a positive account of mine, and they deleted it for no reason! This is a violation of my rights and they are refusing to fix this issue!!! BTW, i did contact my finance company and had submited a ticket and had sent all 3 credit agencies information on my account, and transunion still is not reporting anything! It just shows you that once its deleted, its hard to add it back!
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} TXXXX XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$680.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX EQUIFAX : XXXX XXXXXXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX  XXXX Balance : {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$680.00} XXXXXXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Bankruptcy : XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX 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 XXXX XXXX, IL XXXX XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$1000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$680.00} XXXX XXXX XXXX : {$0.00} U.S. Bankruptcy Court XXXX  XXXX bankruptcy XXXX Reference # : XXXX XXXX XXXX XXXX XX/XX/2018 XXXX, XXXX, A XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2019-11-15
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. (TN)

XXXX is still reporting information that has been removed by other credit bureaus. I proved that public record was incorrect and has been removed from XXXX ( removed both records ) and TransUnion removed 1 record but I'm still working to remove the other. XXXX  is also reporting XXXX XXXX  when XXXX XXXX said the record would be removed within 30 days from all 3 credit reports. XXXX XXXX  is also still reporting when it has also been removed from other credit reports. I provided documentation with the last complaint.
Consumer complaint received 2018-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MO)

On XX/XX/2018 I was on a business trip in California. I went to the rug company, XXXX at XXXX XXXX XXXX XXXX, CA XXXX, they had a going out of business sale, when I walked in I was helped by the salesman XXXX XXXX. After looking around I decided to purchase a rug for the amount of XXXX before I paid I told XXXX that I do not live in California and he said that it was no problem to ship the rug. I was then sent to a different room to pay for the rug and was helped by another employee. He informed me that if they ship the rug via XXXX to my home that I will not be charged sales tax. The next day, XX/XX/2018, I was contacted by XXXX, asking me if I could get the rug on my flight because he was worried about all the confusion and high traffic in the business due to closing, XXXX also stated that they would pay for the extra airline charge for shipping the rug. I later found out that I could not get it on my flight, so when I brought it back I told them we will have to go with the original plan and have it shipped by XXXX. I also informed them that I live alone and need to have it shipped to my home without a signature and I explained I have excellent security camera. XXXX said no problem. I paid XXXX ... no sales tax was ever charged. After over a month I never received the rug. I contacted the owner, XXXX and he stated that they shipped it with a smaller shipping company and they require a signature. XXXX also stated that they tried to contact me but I was at work. I explained that sometimes I get home late. XXXX state that the shipping company will not deliver past XXXX XXXX. The next thing I know is that the company sends the rug back to XXXX without contacting me again! XXXX has my rug and they want to keep my XXXX. They told my credit card company that I left the store with the rug and all sales are final. That was NOT true!! The original shipper stated that the rug was returned to XXXX in California. The shipper stated that he tried to get ahold of me several times but I only received one call and I told them that I will be home at XXXX that night but they never came. I believe that was around XX/XX/2018. I never heard back from them even though I tried to call the number back
Consumer complaint received 2019-04-09
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. (NY)

Fraudulent account being reported by collection agency XXXX XXXX. This account was reported as fraudulent from original creditor sprint years ago and removed from credit file is now being reported from a collection agency on my Experian credit file.
Consumer complaint received 2018-12-19
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: EQUIFAX, INC. (IN)

A dispute developed between myself and XXXX XXXX XXXX ( now called XXXX XXXX ) regarding a delay in completing a residential construction project. They cut-off loan disbursements without any prior notification, including for costs already incurred. To resolve the dispute I provided an updated construction plan that was agreed to by both sides on XX/XX/2018. We proceeded with construction under the new plan. 

On XX/XX/XXXX XXXX announced undisclosed stipulations of a {$500.00} fee and additional inspections to be a part of the agreement. I rejected these additional stipulations on XX/XX/XXXX. 

On XX/XX/XXXX XXXX  made unauthorized hard inquiries on my credit report and also on my wife XXXX, possibly as retaliation. I informed XXXX on XX/XX/XXXX this was unauthorized and that they needed to stop doing this, reverse the inquiries and notify me this was done. They did not acknowledge this communication, nor address my concerns when I called on XX/XX/XXXX, nor acknowledge an additional mention of the problem on XX/XX/XXXX. 

XXXX also transferred the loan in question out of the local office, and also transferred an unrelated loan, possibly also as retaliation. I asked that they return the unrelated loan on XX/XX/XXXX, but they did not acknowledge the request.
Consumer complaint received 2020-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for  completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX* pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation.

As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o.

Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Consumer complaint received 2022-06-09
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-12-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo is the servicer on my mortgage loan, but it is clear that the only services they are providing is servicing their best interests and keeping me from obtaining mortgage assistance. I was given a loan modification that only dropped my payment about {$100.00} per month and did absolutely nothing to help my circumstances. I was able to make my first two mortgage payments on a trial basis and only did so because Wells Fargo gave me the impression that they would work with me to lower my payment once I was out of the trial period. I was still struggling since the modification payments really didnt help and I was kicked out of the trial program for being one day late on my final trial payment.

After I missed that payment they refused to work with me on any type of assistance. They would not have any constructive discussions with me and held my final trial check for over a year and a half and left me in limbo. Now that this has gone on for another two years, my delinquency is much larger and I am afraid that there is no way I can get my mortgage modified. It is their fault that it went on so long as they kicked the can down the road and now I will more than likely lose my home through foreclosure. 
Also, they have been serving my family members foreclosure documents at their home address! This is an extreme case of violation of privacy and I believe they have broken laws in the process. I definitely want this looked into as they have not only failed to work with me, but now have cause extreme embarrassment to me and my family. I have done a lot of research on the way they treat homeowners and it appears that Wells Fargo is now in the business of taking homes away instead of providing help for homeowners. We gave them {$35.00} XXXX to bail them out and they have turned their backs on me and apparently a lot of other homeowners. I read that they recently admitted to allowing over 500 homes to be lost through foreclosure due to their defective process. We should have never bailed them out and would have been better off if they failed. I make plenty of money now and can afford my payment, but there is a serious disconnect with how Wells Fargo believes how things should happen and reality. They still send me form letters all the time advising they can help, but never do. I hope your agency can go after them on my behalf and get them to correct my loan issues.
Consumer complaint received 2020-07-21
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: ALLY FINANCIAL INC. (ME)

With the pandemic, Ally gave me 3 months with no payment, or late charges.it is showing a 26 point drop on my credit report.
Consumer complaint received 2019-11-15
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. (LA)

HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2021-02-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (GA)

Coinbase is an online brokerage for XXXX and other cryptocurrencies. My family and I have 4 accounts with them. All of a sudden, we are still able to log into our accounts but the accounts are " restricted '' and it is NOT possible to make any transactions or close the account. There is NO one at the company to talk to ... only website inquiries. There are NO options to choose from regarding a " restricted account. '' I have used other forms on their website to submit an inquiry but for the last 4 weeks NO one has responded. I need someone at your office to either, ( 1 ) contact Coinbase for me, ( 2 ) email the a phone number at Coinbase where I can actually speak to someone.
Consumer complaint received 2018-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (TN)

We have returned all equipment to XXXX XXXX. During the time we subscribed to their services between XXXX lightning had ran into our unit which they promptly replaced. The unit which was replaced was taken by the technician that fixed the problem. We have paid in full and returned all equipment. We have talked to them 3 times in the past 90 days to resolve the issue. The last lady we talked to said she did not see where anyone had put in a search for the item.