davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXXXXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

The credit agency is listing multiple fraudulent companies that do not exist as my employer. This has caused multiple issues for me regarding background checks and credit inquiries. I have never worked for any of the employers listed in my file. Nor has the credit bereau been able to produce supporting documentation that they have verified the documentation of anyone who has added these false employers to my record.
Consumer complaint received 2020-11-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (GA)

I applied for forbearance under the CARES ACT and continue to receive deceptive notifications for missed payments requesting a full payment to reinstate my loan. We are impacted by COVID and used the relief under the FHFA and CARES act. Quicken continues to use deceptive tactics to pressure me into a loan modification or refi that incurs fees and never offers the repayment approved by XXXX 's and FHFA for reinstatement of forbearance.
Consumer complaint received 2022-09-20
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. (MD)

In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my  personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Consumer complaint received 2021-08-31
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. (VA)

I was told that FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now and I feel like nothings being done, I sent you my first letter on XX/XX/2021 but to this day your inaccurate reporting still affects my credit nor I get a response from you. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will seek legal action due to all the troubles you caused me. My information was impacted by Equifax data breach and may got into hands of the wrong person and its your obligation to fix all these errors.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-11-25
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

Had an old loan with PennyMac : XXXX which was refinanced in XXXX, loan was fully funded on XX/XX/XXXX. I contacted the XXXX Tax Commissioner on XX/XX/2020, XX/XX/2020 and XX/XX/2020 and they confirmed that county taxes were outstanding with a balance of {$3400.00}. 
I contacted PennyMac on XX/XX/2020 4 times via phone, and via their message center on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020 in reference to the unpaid county taxes, that were supposed to be paid off at closing. 
During the XX/XX/2020 call I was given the name of the titling agent, who according to them paid the taxes for me, I called XXXX XXXX  XXXX. They indicated that they did not pay the taxes at closing because they never received the funds from PennyMac.

PennyMac said they would open a tax inquiry with their specialists, but they've also stated that perhaps the escrow was used to pay the loan ; however, as another customer service rep also pointed out that the prepaid on the closing cost Details page, under Other Costs it lists property Taxes to XXXX County for XXXX. Which means they were supposed to pay taxes at closing. 
As of XX/XX/2020, the county tax website : XXXXXXXX  still shows the taxes as unpaid, however, PennyMac says that it was paid on XX/XX/2020, but that I have an owed amount in the escrow since I didn't have enough to cover the entire balance, which means they only used the escrow under the new loan number XXXX, and not the escrow balance from the old loan which was {$4000.00}. I called PennyMac on XX/XX/2020, and they said that perhaps the taxes were paid twice : once on XXXX, and once on the XX/XX/2020, I informed them that not only was the county website not reflecting that, but that the agent responsible for paying it off, XXXX XXXX  XXXX, also said they did not. As of right now I have no clue what happened to the {$4000.00}, from the old loan, as it was not used to pay the taxes, furthermore, the taxes are still unpaid, and I may have to pay out of pocket. PennyMac indicated on their closing disclosure that they would pay the taxes, and they have not, additionally, the old escrow balance disappeared.
Consumer complaint received 2020-10-06
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: Genesis Lending (NY)

ON XX/XX/2020, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AND GENESIS/XXXX  ADDEDED A DEROGATORY MARK ON MY CREDIT REPORT PER XXXX XXXX  XXXX  AND XXXX XXXX. UPON FURTHER INVESTIGATION, THIS ACCOUNT WAS TRANSFERRED/SOLD AND I AM NO LONGER RESPONSIBLE FOR THE ACCOUNT. DEBTOR'S/CREDITOR DID NOT VERIFY THIS COLLECTION. ALSO, THERE WAS NO WRITTEN FORM OF COMMUNICATION, CONTRACT, OR SIGNATURE FOR THIS ACCUSED DEBT AT ALL. A BILL WITHOUT A SIGNATURE DOES NOT VALIDATE THE DEBT AND ANY PERSON CAN SEND A BILL AND SAY THAT IT BELONGS TO ME. ACCORDING TO THE FCRA, XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS AS A CONSUMER AND I AM REQUESTING LEGAL ACTION TO REMOVE THIS ACCOUNT IMMEDIATELY.
Consumer complaint received 2020-11-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Certegy Holdings, LLC (GA)

I was contacted by Certegy Payment Solutions in XX/XX/2020, that an electronic payment was returned and referred to Complete Payment Recovery Services for collection and the item is being reported to a national check verification database as authorized by the Client. 

I called the Client which is a web hosting company-XXXX XXXX XXXX/XXXX XXXX XXXX-and they said neither company would report. The website or product purchased would simply not operate or function if a debt was not paid. 

The threat from Certegy Payment Solutions was that my check writing privileges may be denied until it is resolved. I immediately contacted Certegy Payment Solutions ( see attached ) but was sent another notice XX/XX/2020. XXXX XXXX XXXX confirmed a {$0.00} balance and no payment is due. ( see attached ) They also stated the letter sounds like a spam letter to alarm a customer so that they would immediately send a payment, but no payment is due on their end and they emphasized that if a payment was not received, the website or that particular product would not work.

I accessed Certegy Payment Solutions on the XXXX website. They have done this repeatedly to customers https : XXXX.
Consumer complaint received 2022-10-03
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. (FL)

XXXX XXXX  has failed numerous times to correct and update the CURRENT STATUS OF THESE PAID AND CLOSED ACCOUNTS. They continued to balance accounts that were settled and paid. These accounts are still reporting a current status as either in collection or delinquent. The CURRENT STATUS should report as paid as agreed and closed. XXXX  XXXX  has inserted a debt that was already paid. These accounts are still reported each month as a current charge-off. This continues to severely affect my credit. THE AFFECTED ACCOUNTS ARE BELOW : XXXX XXXX XXXX Acct XXXX - XXXX XXXX XXXX XXXX- Acct XXXX XXXX XXXX XXXX XXXX- Acct # - XXXX XXXX XXXX # - XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX XXXX
Consumer complaint received 2019-12-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Bank of America has humiliated me for months stole my money and refuses to rectify the situation. For months I've been fighting them over the fraudulent charges made by XXXX. XXXX themselves sent me an email telling me my account was hacked and that I need to dispute all charges with my bank. I submitted two disputes but bank of America says that they made by error and they'd not reverse the charges. No papers, no documents, they even didn't contact XXXX because more of their fraud Dept associate says the reason why they will never refund the fraudulent charges is that the amount is big, and that they indeed never contacted XXXX about it as a cost saving measure. Again, they never explain why they reached the conclusion, nor did they provide me anything in writing. It was all done in a short message via the mobile app stating that the claim will go unpaid and that it's not their fault. This is my second and last attempt to collect my money or I'll go to court and retreat a trial by jury because the thieves at bank of America couldn't care less and they're not even try to hide their indifference. Absolutely disgusting swine!
Consumer complaint received 2024-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

Citi Bank in particular their XXXX XXXX XXXX credit card is sending out letters in the mail offering a preapproval link to a promotional offer. 

The promotional offer- is offering XXXX XXXXXXXX miles as well as 0 % APR for 12 months. 
The letter that arrived in the mail has my name and this promotional offer, they are doing this with many people as my neighbors also received this letter. 

The letter has a QR code leading to the preapproved link. 
Upon approval the XXXX miles are available but no signs of the offer for 0 % APR for the 12 months as promised. 

Now i have made multiple attempts to talk to Citi Bank and explain their fault. I have now given up. as Citi bank continues to deny that this is a promotional offer they are running. Even turned to ask me for a physical copy of this letter i received. I submitted the evidence they asked to their records. only to get told once again that this is insufficient evidence. They have ran my credit report once again, which is now affected even more. I have not made payments as this is a violation fo their original promotional offer. My credit report is now extremely affected. I cant find any other solution than to submit a formal complaint. I wish to pay off my debt to Citi, but only if they uphold their promotional offer. other wise this is a very scam like tactic by Citi bank to draw in people to apply for a " promo '' offer to then get stuck with a ridiculous 29.99 % APR.
Consumer complaint received 2020-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. 

I waited too much for the response of the credit bureaus.
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (CA)

Barclays closed all 5 of my cards back in XXXX and didnt give a real reason why. They told me reapply for those 5 cards which i did That was back in XXXX Its XXXX and its still in pending Ive sent them every single document they have asked for -Drivers license front and back -social security front and back -bank statement All of them passed verification but the social security card XXXX I was told it was hard to read since it was faxed. 

So i resent did all the copies overnight mail TWICE and out of all the documents once again they said all the documents are good but the social security. 

Im confused because its literally my social security card and signed by me.
Consumer complaint received 2022-07-28
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: Experian Information Solutions Inc. (FL)

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 inquiries 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/block any accounts 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 inquiries which do not belong to me or were opened without my permission. 
XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-10-06
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: CITIBANK, N.A. (OH)

On XX/XX/20 Citibank North America made two hard inquiries on my credit file. One is titled STAPLES/CBNA and the other is titled CITIBANK NA/THD. These were made due to identity theft. I did not apply for these accounts.
Consumer complaint received 2020-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates placed a {$4000.00} collection on my XXXX credit report, which was purchased from XXXX XXXX. 

I have asked PRA representatives on numerous recorded calls to send me statements detailing the charges on this defaulted card, because I believe many of the charges were fraudulent, not authorized by me, and a result of identity theft. 

Both XXXX  and XXXX have deleted this fraudulent collection, but XXXX has not. I am demanding that PRA, LLC immediately delete this collection or face further legal consequences.
Consumer complaint received 2021-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Toyota Motor Credit is erroneously reporting to the three major reporting agencies - XXXX, XXXX, and XXXX  that in XX/XX/2021 payment was late 30 days. No payment was given 30 days late to Toyota Motor Credit and the account is current. All documentation of account statements and billing statements show the account is current with payment history identifying all payments have been provided on time. A representative over a phone call also admitted to this. Toyota Motor Credit have failed to rectify this matter. Numerous phone calls have been placed with no success.
Consumer complaint received 2020-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (MI)

XX/XX/XXXX - received mail from USBank Reliacard which I do not have an account with and did not apply for an account with. Mail included a new Visa debit card with activation information ; The Reliacard cardholder agreement ; USBank facts and questions XX/XX/XXXX - called USBank Reliacard at XXXX multiple times and this number always has a recording that will not allow you to talk to a customer service representative and wants you to enter your card information to activate the card and set a PIN number XX/XX/XXXX - called USBank at XXXX and they automatically transferred me to the Reliacard number and automated message per my note above on ( XX/XX/XXXX ) ; called USBank again and demanded that I speak to someone but the CSR said that they couldn't help me as it was a Reliacard and is a totally separate system ; I left my name and phone number for a supervisor to call me back ***my fear is that people will activate the card and create a PIN number and then someone else will have a duplicate card that they will use for fraudulent purposes ***I also fear that my personal information may be compromised
Consumer complaint received 2020-10-05
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: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, new jersey XXXX SSN : XXXX XXXX DOB : XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You,