davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-27
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: Experian Information Solutions Inc. (LA)

I am a victim of identity theft. I completed a FTC report and a police report, as well as I contacted the creditors. I spoke with XXXX at Experian on yesterday, XX/XX/2021 and was told they received the documentation for my dispute but was unable to process it because it did not meet there criteria. I asked what else I needed and I was told that he could not disclose to me the criteria that I was missing but only that I did not meet them. I have been getting the run around. This information was submitted in XXXX and still no updates. I asked for a supervisor and was told they would call me this morning, but no phone call as of yet. I am disgruntled about this whole situation and do not feel as if I am getting anywhere. I credit is a disaster due to this and I am a victim of Hurricane IDA. I lost everything and had no insurance but was declined by the SBA because of these negative items on my report that are not mine.
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 — Public record information inaccurate
Company: Experian Information Solutions Inc. (AR)

on XXXX XXXX issued My Investigation Results stating that the bankruptcy reporting on my credit profile was being reported by XXXX XXXX XXXX ARKANSAS was verified as accurate. I have attached the documented stated from deputy clerk XXXX XXXX date on XXXX That the US Bankruptcy Court DOES NOT provide any information to the Credit Bureaus or any credit reporting agency. I have attached the documents that XXXX sent as well as the Documents from US BANKRUPTCY COURT. This is falsifying documents. I would like XXXX to remove this inaccurate information from my credit file IMMEDIATELY. Experian is also reporting this very same information. They are so saying that US BANKRUPTCY COURT is reporting this. PLEASE REMOVE AND DELETE AS WELL. XXXX are also reporting the same. Please remove and delete
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 — Public record information inaccurate
Company: LEXISNEXIS (AR)

on XXXX XXXX issued My Investigation ResultXXXX stating that the bankruptcy reporting on my credit profile was being reported by XXXX XXXX XXXX ARKANSAS was verified as accurate. I have attached the documented stated from deputy clerk XXXX XXXX date on XXXX That the US Bankruptcy Court DOES NOT provide any information to the Credit Bureaus or any credit reporting agency. I have attached the documents that XXXX sent as well as the Documents from US BANKRUPTCY COURT. This is falsifying documents. I would like XXXX to remove this inaccurate information from my credit file IMMEDIATELY. XXXX is also reporting this very same information. They are so saying that US BANKRUPTCY COURT is reporting this. PLEASE REMOVE AND DELETE AS WELL. LexisNexis are also reporting the same. Please remove and delete
Consumer complaint received 2021-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

For about 20 years I have had 2 checking accts and 1 savings acct with Citibank. I am a gold card customer for the last 15 years. I currently have a combined balance of over {$71000.00} in those 3 accts. During this time period my combined cash balance has been as high a {$300000.00}. I retired in XX/XX/2014 and my wife and I moved to the XXXX, but I have always kept a California address on record with Citibank. A review of my online citi profile shows my XXXX, California address. My current Soc. Security monthly payment covers only about 2/3 of our living expenses so each month I need to withdraw about 1/3 of our living costs from my Citi Sav. Acct. I do not have an I-phone. I only have a standard domestic ( XXXX only ) cell phone. If I have to actually place a long distance call to USA, it takes me about 1.5 hours to go into town, get a special phone card load, return home and place the call. 
In late XXXX or early XXXX this year I had to go online and ask Citi 's CHAT ROOM employee to help me " activate '' the new Debit Card Citi had sent to my XXXX address. I was treated very properly. I gave the Chat person a very good rating in the after service review. A few days later, I had to use the CHAT service again. I got XXXX and later XXXX  on CHAT. They treated me like i was a piece of XXXX during the CHaT call and I gave them a very poor after service rating. 
Shortly thereafter, someone put a block on all my citi accts, and I have since been unable to go online to get my money. 
I have gone to great inconvience and cost to call Citi twice ( most recently on XXXX ) to get the block removed, but they refuse to do so. I have tried the CHAt service several time to remove the block but they refuse. When I call XXXX miles to Citi in USA, they tell me my identify information does not match their file info so they refuse to help. The CHAT person keeps telling me to again call the USA phone number. I have explained to the CHAT people and to the USA citi people that I am going broke. Without the additional 1/3 living expense money, I can not pay my rent, nor buy food, or have the XXXX I need. 
They intentionally pass me back and forth between CHAT and USA people. This hiding of my money ( denying me access ) has caused me such stress that I need to see my doctor for my XXXX XXXX. This is now the second month that they have denied me access to my funds. And I can not use either of my Citi credit cards because citi cancelled them in XXXX, w/o notice, claiming that I do not have a USA address. I need the recommended XXXX but the hospital /doctor will not schedule it without advance payment, which I can not get because my accts are blocked. I am XXXX years old. I want and need access to my funds, not excuses that they can not verify my identity.
Consumer complaint received 2022-06-28
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. (TX)

I DID NOT GIVE THESE COMPANIES PRIMISSION, OR WRITTEN CONSENT TO RUN MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-07
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. (GA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-12-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I've been trying to resolve this acct since XX/XX/2018 with no resolution from XXXX and XXXX. I have sent SEVERAL account verification requests and this acct with BOA # XXXX has not been verified by XXXX XXXX XXXX. I also sent a validation request directly to BOA and they couldn't verify the requested information. I have attached letters sent to credit bureaus and BOA. Also there's attached the answer from BOA with the validation request. 

I need your help to resolve this matter. Thanks for your prompt response and cooperation with this matter.
Consumer complaint received 2021-02-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Paypal closed my account for no reason and will not help me with getting it back up and running. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them even after providing them with all the relevant information they required. I've decided to file a report here as I feel they did not do their job properly and it is affecting me a great deal as I use Paypal quite frequently. My email linked to my Paypal is XXXX XXXX
Consumer complaint received 2023-02-27
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX  Account # : XXXX, XXXX : Account # 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 an account without my written instructions.

15 U. S. C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency make make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) reporting inquiries without my authorization or permissible purpose. I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2020-08-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

We filed several loan modification applications after struggling through several hardships, including most recently the Coronavirus pandemic. We are seniors who have had many medical issues ; a XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. We have lived in this home for years and SLS servicing is tearing us apart. 

However we have worked hard to keep up on our mortgage. We have submitted several loan modification applications over the last 3 years. Each time we are told they are incomplete. ON XX/XX/XXXX we submitted a new application with all of our income., with proof of income exceeding $ XXXX/month. IN early XXXX approximately XX/XX/XXXX, we receveid notification from SLS servicing that they had received a complete package from us, no more documentation was needed and that a decision on a modification would be forthcoming. 

We then received a letter dated XXXX XX/XX/XXXX that our modification application was denied, and that XXXX $ was used as our income. The enclosed 12 page attachment shows the income was documented and proof of income. How SLS has the audacity to make a decision to deny seniors based on " XXXX income '' is outrageous, abusive and fraudulent.

How dare SLS deny us, with incorrect information, stating just 2 weeks  before that they had all of our income information which exceeds $ XXXXmonth. 

This is a pattern and practice that SLS has repeated for years and we would like the CFPB to take action.
Consumer complaint received 2022-07-29
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
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 information incorrect
Company: GOLDEN 1 CREDIT UNION, THE (CA)

Golden One Credit Union is illegally reporting information on my credit report and is not in compliance with the Fair Credit Reporting Act. They are reporting 3 different accounts of my credit on 3 different credit reporting agencies which is illegal under the fore-mentioned Act. In light of this I request that the account be removed from my credit report immediately. Also I have also made numerous attempts to have this debt validated from them and their collection agency The XXXX XXXX XXXX XXXX, to no avail. This also is clearly not in accordance with the Fair Credit Reporting Act, and grounds for this account to be removed from my credit reports. I would like all collections efforts ceased and this removed from all credit reports immediately!
Consumer complaint received 2020-08-04
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: AMERICAN ADVISORS GROUP (IN)

A payoff for a reverse mortgage with AAG was requested and received for XX/XX/2020. Due to some problems with the financing company the the closing had to be postponed until XX/XX/2020. A request was made on XX/XX/2020 at XXXX XXXX by the title company for a revised payoff. The AAG said it would take five to 10 days to respond to the request. Since the the closing was scheduled for XX/XX/2020 this was not acceptable. Numerous call were made to the AAG Payoff department by the title company and the mortgage holder but they refused to provide a mortgage payoff. Because of the refusal by AAG three houses could not be closed as scheduled. 

The mortgage holder requested to talk to a supervisor they were told it would to 24 hours before a supervisor would be available. I believe they were just stonewalling me. I would think that the payoff could be determined quickly. If I called a bank or credit union I could get the payoff of a loan while I was on the phone. Additionally, they said that the payoff would be as of XX/XX/2020. This means since the request was made on XX/XX/2020 that about 28 days of interest would be received by the mortgage company that they did not earn, in affect the broower was being charged a penalty for payoff the mortgage early. The mortgage papers said there would not be a penalty for early payoff. 

It appears to me that rAAG did not care about their customers and was charging them for service they did not receive.
Consumer complaint received 2022-10-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

Informed Nissan of issues with used car purchase. Prior attempted to obtain financing with Nissan for a new vehicle. Credit denied ; although, I have a satisfactory payment history with another vehicle lender, XXXX XXXX for a period of 3+ years. The XXXX I owned started misfiring ( check engine light was on ) around the 3 year mark when lease ended. Contact XXXX to determine if this was something that was covered as XXXX XXXX XXXX covered the engine for life ; however, now XXXX XXXX XXXX is no longer known by that name. Name has since changed to XXXX XXXX.
Consumer complaint received 2021-12-07
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)

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. XXXX XXXX say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to XXXX XXXX XXXX old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-10-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

two checks were stolen from our mail box in XX/XX/XXXX that were sent to my husband and I from a temporary employer ( XXXX XXXX  XXXX XXXX ) and cashed at XXXX XXXX XXXX  with a fraudulent signature. We contacted XXXX  XXXX via Cfpb complaint and they responded saying " After review, we confirmed that your employer will need to work with their bank to resolve this matter. XXXX XXXX will need to receive a Without Entry Affidavit from the issuing bank to return the funds. '' Our employee banks with Wells Fargo and they have been unwilling to provide us the appropriate documentation that XXXX XXXX is asked for so that we can be paid our wages. 

All I'm asking is that Wells Fargo complete the Affidavit and send to XXXX XXXX so we can be done with this.
Consumer complaint received 2022-02-01
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. (UT)

XXXX XXXX XXXX is violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items was deleted and you reinserted them without notifying me XXXX business days after and certifying that the items was validated properly. 

and failure to respond in 30 days FCRA Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to XXXX & XXXX to report anything on my consumer report.
Consumer complaint received 2021-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I called Bank of America so they can lower my interest. I am currently paying over XXXX a month in interest and its crushing me. I was transfered over 5 times to various departments. Spoke with XXXX, XXXX, XXXX, XXXX and finally XXXX who dropped the call either intentionally or accidentally. I am willing to pay what I owe i just need the Interest lowered to 0 % or close to that. They wont budge! They keep saying its competitive. XXXX lowered mine to 9.9 % but BOA is unwilling. They even tried to send me to a 3rd party debt consolidation company. I told them I owe them the debt not to a 3rd party. My income has been reduced significantly and I pay them on time or early. Please assist.
Consumer complaint received 2022-01-31
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a XXXX  of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.