davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (NY)

We applied to Citibank for refinancing in XX/XX/2020. The loan was still not approved in XXXX. We applied to XXXX XXXX  in XXXX and notified Citi we did not want to pursue the loan with them. The loan officer contacted me and asked what rate XXXX was offering. The loan officer contacted me again, informing me that if we could provide additional documentation the loan would be approved immediately. Then they pressured us into canceling the application with XXXX, by saying they could not approve the loan because we had a loan with XXXX. 
The loan was finally approved XX/XX/XXXX but we still have not closed ( today is XX/XX/XXXX ) and have no information about when we will close. 
If we had stayed with XXXX we would be closed by now.
Consumer complaint received 2022-07-02
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX Bank Account Number # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2021-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

WAKEFIELD AND ASSOCI XXXX  Balance {$500.00} ; WAKEFIELD AND ASSOCI XXXX  Balance {$500.00}
Consumer complaint received 2022-02-17
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: ACIMA CREDIT, LLC (MO)

This is XXXX XXXX XXXX The ACIMA CREDIT FKA SIMPL account with the account number XXXX was marked as Charge-off with an identified balance of {$2200.00}. However, a charge-off account should have a {$0.00} balance so, my question is why does this account have a specific amount? Moreover, another error is found in the account 's " Date of Last Activity ''.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After reveiwing my credit report, I found numerous credit cards on my report that were not authorized or initiated by me. This was an error or a result of malpractice. I have listed these items in my FTC Report.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I have sent multiple documents in to the consumer reporting agencies about the fact that the personal information they have for me is inaccurate and they need to remove it. They have YET to do so. It is your grave responsibility as outline in the FCRA to ensure that ALL information pertaining to me is 100 % accurate. 

You need to remove ANY information that does not reflect the following : Full name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Employer : XXXX XXXXXXXX XXXX  Any other information outside of what's above, is considered inaccurate and you need to delete it. I have attached my ID for reference.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have spoken to this company several times during my hardships because of Covid. They indicated to me that my report could be corrected regarding the late payments. My report is showing 60 days past due which it is not. I feel since I had discussed my situation with the company and accommodations were made, under the Cares Act I should have some protection from this. Not only have this negatively affected my credit tremendously, it has made it impossible to receive any financial assistance to help my situation.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im writing to you because I noticed that my most recent credit report contains a late payment ( s ) reported for the above listed account. I want you to know that I understand, and have great respect for my financial obligations. Due to Covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I have late payments on my report I want removed because I am a victim of covid 19 and legally you should not have put them there. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. In the near future, I am planning on applying for a mortgage and it has come to my attention that the missed payments on my credit reports could hurt my ability to qualify. In my heart, I know that the missed payment doesnt reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payments from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! Thank you for your consideration.
Consumer complaint received 2022-08-13
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. (TX)

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX Inquiry Date XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX. XXXX, XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX, XXXX Inquiry Date XXXX XXXX, XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX.
Consumer complaint received 2020-11-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (MO)

On XX/XX/2020, my fiance had a student stipend of {$5700.00} deposited into my card BlueBird American Express. Not knowing this would be a breach of contract. That same day the money was deposited, the card was suspended, and we were told the funds were returned to the originator. We then contacted the University to receive a paper check but was rejected because BlueBird had not returned the funds. We were in constant contact with Bluebird and the University trying to recover the funds. We tracked the funds to a locked account with BlueBird. The BlueBird customer care team told us that if we close the account any remaining balance would be refunded to us. We were instructed to mail the request in and it would take 14 business days to process. We mailed the request. By XX/XX/2020, the account was open & suspended and no refund was given. At this time the BlueBird customer care team then informed that we need to have the originator send a letter of indemnity and after receiving the letter it will take 10 business days to process and return the funds to the originator. It is now XX/XX/2020, and the account is locked, not closed, with the funds presently in the account. I receive emails weekly from BlueBird stating my balance is {$5700.00}. The last email sent was Wednesday, XX/XX/2020, at XXXX XXXX.XXXX. stating my balance is {$5700.00}. All I am requesting is to have the funds returned to the originator.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Southwest Credit Systems, L.P. (TX)

On XX/XX/2020, Southwest Credit Systems added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold to multiple companies. I am not responsible for this account. I have attempted to dispute this information numerous times with all credit bureaus as an attempt to receive correspondence from the debtor with more information. The debtors 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 anybody can send a bill and say that it belongs to me. According to the FCRA, Southwest Credit Systems has violated my rights as a consumer and I am requesting legal action to remove this account immediately
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I deposited a check written to my business into my personal account in XXXX, after providing documentation supporting my business name and providing the information for the check maker chase refuses to release the check to me. I have visited the branch over ten times and have been sent home multiple times being told that all information was verified and I should receive a check shortly only to realize I have been lied to. I am now late on rent for two months and am struggling to provide for my family and pay for my bills.
Consumer complaint received 2022-07-02
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. (AR)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Depth of Ed XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX 15U.S.C 1681 Section 602 A. States I have the right to privacy 15U.S.C 1681 Section 604A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antidotes the report by more than seven years 15U.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 in accurate.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I have sent multiple documents in to the consumer reporting agencies about the fact that the personal information they have for me is inaccurate and they need to remove it. They have YET to do so. It is your grave responsibility as outline in the FCRA to ensure that ALL information pertaining to me is 100 % accurate. 

You need to remove ANY information that does not reflect the following : Full name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Employer : XXXX XXXXXXXX XXXX  Any other information outside of what's above, is considered inaccurate and you need to delete it. I have attached my ID for reference.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX is an collection agent that I have ask Transunion to investigate. It states that I owe XXXX. The credit report does not display the correct contact information for this company. I have asked them to send me information verifying that this account belongs to me. They have just update my account saying it was correct. I told them that them verifying via electron system is unacceptable. I have been denied several loans because of the inaccurate information.In the past I was a victim of identity. My Transunion file states that I have been in there system since XXXX I was only XXXX years old.
Consumer complaint received 2022-08-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cascade Capital, LLC (TX)

Dear CFPB I was in the process of repairing my credit. I updated my address on my report, and I got this letter from XXXX XXXXXXXX XXXX on behalf of Cascade Capital. It says I owed {$790.00}. I have no problem paying anything I genuinely owe. But on the letter, there was no original creditor. So I disputed the collection notice on XX/XX/XXXX, by mail. XXXX XXXX failed to respond. They just told me it was a " medical bill '' when I called and asked. So fast-forward to XX/XX/XXXX, I get a call while I'm at work from a collection company named " XXXX XXXX XXXX on behalf of their client Cascade Capital XXXX saying I owe {$790.00} from XX/XX/XXXX again, no notice in the mail. They told me to protect my credit and how I would make the payment. I asked who the original creditor I was told it was from urgent care, no name, then they left me on hold and never returned to the phone. I called back they hung up in my face. I was able to talk to a lady when I called back a 3rd time to get a collections account #.
Consumer complaint received 2022-03-24
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Upon reviewing of my records, the following account is erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 



XXXX XXXX XXXX / XXXX / {$350000.00}
Consumer complaint received 2020-10-08
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. (NJ)

I co-signed a loan for my sister with the NJ XXXX XXXX XXXX  XXXX in the amount of {$13000.00}. 

She fell behind in payments. She is working as a XXXX XXXX  and due to COVID19 she was laid off from her job last spring and could not meet the payments. 

She told me that she contacted them and that they told her that her payments were in forbearance due to the COVID. 

I got an alert this past month that this student loan has been " charged off '' and my credit score dropped significantly. 

I reached out to Experian on XX/XX/2020 to have the charge off removed from my file. They sent back Report number XXXX and told me that the debt is accurate. 

I know for a fact that Federal Student Loans are in forbearance as I have one myself and was alerted to the fact. 

I don't think XXXX did a thorough job. 

Please advise. 

Best, XXXX XXXX XXXX
Consumer complaint received 2022-11-19
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. (WI)

XX/XX/2022 I sent a letter to the credit agency disputing an account on my credit report that was not mine. I never had any account with The XXXX XXXX XXXX. I ask for the credit agency to investigate and remove this account from my credit report. I received a letter dated XX/XX/2022 from The XXXX XXXX XXXX stating that my account was paid in full. I never had an account with this company. The credit agency did not do a throughout investigation The credit agency did not provide the method of verification used to verify this account. The credit agency is also reporting this account was XXXX in bankruptcy which is also inaccurate.
Consumer complaint received 2022-07-02
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX opened XX/XX/3018 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2021-11-15
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. (NJ)

XXXX  XXXX XXXX- This Alleged charged-off account is reported inaccurately I have disputed this debt Already yet the alleged charged-off account has not been marked disputed nor has a true investigation been conducted into this inaccurate data displayed on my file as shown by the Current Balance and past due balance which is still reporting after this alleged debt was sold to a third party - Yet the data displayed on the Account does not even inform us that it has been sold I mean maybe the data furnisher would have furnished that information if the last time they updated the status wasn't XXXX  furthermore Why isn't this alleged charged-off account displaying an account number?? how would a consumer such as myself be sure that is not a mixed file? This data is incomplete outdated and inaccurate and sworn violation of USC title 1681Eb I want this alleged Charged off account deleted immediately
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OH)

There are a total of 61 hard inquiries on my equifax credit report. None of these inquiries from all these companies are from me applying for credit. Equifax makes it impossible to dispute these types of disputes. I am XXXX with limited availability to a computer. And the funds to print all these documents out that they are asking for.
Consumer complaint received 2022-08-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CA)

I was charged XXXX {$36.00} for overdraft fees in one day when only two were valid. I've paid over XXXX in overdraft and other fees in the last 6 months, and I'm struggling with no help from us bank and no response from management. The over darft charge is what put me in the negative
Consumer complaint received 2022-08-13
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. (NC)

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2020-10-08
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: Experian Information Solutions Inc. (DC)

We have our mortgage and HELOC valued at {$100000.00} with XXXX XXXX XXXX, of which about {$16000.00} is owed. We recently arranged a bill payment from another bank ( XXXX XXXX using the HELOC account number printed on our statement. However, the payment was not credited to the loan value, and was reported to the three credit  agencies as 30-days past due. 

We have requested that XXXX remove these entries. To do so, they instructed that we file disputes with the credit agencies - which we did. However, XXXX affirmed the 30-day past due status. They take no responsibility for providing the account number on the statement, which we used but the payment was not properly credited. Consequently, our credit record incorrectly reflects this error. We have requested that this entry be completely removed.