davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-14
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-14
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. (TN)

I have filed 4 disputes about an bankruptcy filed in error on my report. Transunion each times has come back stating the information is correct when it's not. My chapter XXXX bankruptcy was converted to a chapter XXXX in XX/XX/XXXX. My lawyer accidently filed it has a new case in error. The bankruptcy court couldn't do away with the case number so they filed it as a voluntary dismissal and converted my chapter XXXX how it was supposed to be originally. Now I have 2 bankruptcies on my report and 1 shouldn't be there. I have spoken with Transunion supervisors multiple times with no resolution. My lawyer wrote a letter stating the error that was made and the case number XXXX XXXX  should be removed. However, transunion states this must come from the court. Transunion pulls the information from a 3rd party and a website not the actual court. Transunion refuses to call the court to verify the error. The court states they don't report to the credit bearou so they can't have it removed either. I have submitted sufficient documentation from my lawyer and Transunion refuses to remove the bankruptcy filed in error. My last contact with Transunion and the court was today. XXXX  has no issues removing this from my report so I don't understand what the problem is with Transunion. Transunions method of verification is also lacking in sufficiency. They expect me to get a letter from the court which the court will not five me. It is Transunions responsibility to sufficiently investigate the dispute not mine. They should be making contact with the court to verify the error but refuse to do so. My credit should not take an additional hit because of an error they refuse to remove. Voluntary dismissal is also inaccurate because I didn't request it be filed in the first place.
Consumer complaint received 2021-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

During Covid19 I was unable to keep up with my mortgage payments. I went online and requested assistance in XX/XX/XXXX. I never heard back and in XX/XX/XXXX I called. I spoke with a guy by the name of XXXX XXXX and was advised that he would wait until I hear back from them about the repayment plan.. I was heading into another month of late if I waited so I asked what amount could I pay until then to avoid foreclosure and he advised me XXXX I paid that amount with him over the phone which a few months of payments. I still had not heard back from the company so I called them and was advised on XX/XX/XXXX by XXXX XXXX that my account was in Foreclosure status and should not be! 
he called and emailed a few people and advised me to wait to hear back.. I then called back a few days later and got another rep that offered a repayment plan of $ XXXX month.. I agreed and paid a early.. I continued the payment repayment plan and they never updated my credit report to reflect the plan.. It continued to reflect past due months.. I then emailed XXXX XXXX my POC and still have not received a email back yet. I received an alert on my account reflecting it may be marked as foreclosed and I have no idea what's happening. Please Help
Consumer complaint received 2021-07-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

Since XXXX XXXX 2021, I have made multiple attempts to get Loan Depot to drop my PMI due to my home appreciation in value. On XX/XX/XXXX I sent in an official email requesting my PMI removal, the PMI responded back on XX/XX/XXXX with a denial letter asking me to provide more information. I have done so, I have sent in detailed info about all my major remodeling, all the major structural changes with reciepts and images. It's been 2 month I sent multiple emails asked for managers to call me back and Loan Depot has yet to call back or provide any support.
Consumer complaint received 2021-07-14
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. (WI)

I've been sending letters to TransUnion every month since XX/XX/2021, addressing inaccurate information/accounts. Since my initial dispute letter in XXXX, I've subsequently asked for Method of Verification, I've done Factual Disputes with attached proof of everything for my disputes - to include copy of emails from XXXX XXXX XXXX XXXX stating account could not be located, proof that I placed a freeze on all third party reports, proof that TU is reporting differently than XXXX  & XXXX. I've also addressed and attached proof that TransUnion continues to report an account that was deleted by the other two CRA. With each letter sent, I attached copy of FCRA sections 609, 611 and 623 citing that a CRA is supposed to report accurately & that if they can't validate information properly they're supposed to delete the information/accounts disputed, that they're obligated to provide proof of validation regarding accounts they're reporting. That they're also supposed to provide me proof of how they got the information, steps for their investigation. Repeatedly they cite verified without providing proof if how or where they get supposed verified information. At this point, I'm well within my rights to sue for damages, as my consumer rights are blatantly being violated along with serious violations of the FCRA. It is my understanding that fines for FCRA violations are pretty hefty. TransUnion is blatantly violating several sections of the FCRA. I demand that TransUnion delete any and all derogatory remarks on my report pursuant to USC 1682 b ( 2 ). Furthermore, I feel they should be sanctioned for violations of the FCRA sections 609, 611 & 623.
Consumer complaint received 2022-05-05
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: NAVY FEDERAL CREDIT UNION (OK)

On XX/XX/XXXX I looked at my credit report due to my bank account had a fraudulent check that was trying to be posted. Upon review I noticed that there were recent hard inquiries that were applied to my credit report that I did not recognize. Dates are as Follow. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all inquiries not attached to a live account for the date XX/XX/XXXX, and the fraudulent attempts was reposted by all 3 credit Bureau XXXX XXXX, XXXX, and XXXX ). I show XXXX has 11fraudulent reports, XXXX has XXXX, and XXXX XXXX. I SPOKE WITH the companies about the inquiries and was advised there was nothing they could do. I would have to Dispute the changes to my credit with the XXXX XXXX. I now and in the future will only accept live inquiries posted to my credit report. I have always declined any services that would not follow the state Bank terms & conditions regarding the double-dipping policies.
Consumer complaint received 2021-07-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-14
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: CITIZENS FINANCIAL GROUP, INC. (FL)

i have viewed my consumer credit report and notice some unathurized inquries that has been placed on my account on XXXX by XXXX XXXX XXXX XXXX  Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to which it relates. I XXXX XXXX never gave XXXX, XXXX AND XXXX._any written consent to report anything on my consumer report, NO consent is identity theft .a copy of the law is attached along with this dispute letter. and to add on the XXXX major reporting bureaus are also at fault due to the fact that their are well aware of the following subchapter 15 u.s code 1681b ( a ) ( 2 ) ... I AM ASKING THE CREDIT REPORTING AGENCY TO PRODUCE A CONTRACT BETWEEN ME AND THE CREDIT REPORTING AGENCY LISTED IN THIS AFIDAVIT SHOWING THAT I GAVE YOU PERMISSION TO FURNISH THIS REPORT IN THE FIRST PLACE ... BY CHANCE THAT YOU DO HAVE THIS CONTRACT I WANT A SENIOR EXECUTIVE STATING THAT I GRANTED MY PERMISSION TO FURNISH THIS IN THE FIRST PLACE ... PLEASE DELTE THESE INQUIRES
Consumer complaint received 2021-07-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I applied for a Graduate student loan with Citizen 's bank in XX/XX/2021. The representative on the phone gathered my personal information as well as my father 's ( co-signer ) and filled out the document " Student Loan Application/Promissory Note '' with all of the details we discussed. However, the representative filling out the document mistakenly checked off the box for " No deferment/Immediate Repayment '' even though it was made very clear that I would like to defer my loan since I do not graduate until XX/XX/2021 and will not have the financial means to pay it back. Although it is true that I did review and sign this document myself, I had trusted that the representative had filled out the form correctly. In addition, the box that was " checked off '' with the X on the document was filled-out electronically. So the " X '' wasn't even in the box! It was misaligned and hovering above the box, making it very easy for someone to miss! 

Citizens bank uses XXXX XXXX to handle loans in re-payment. So last month I was notified that I had to repay my loan starting XX/XX/2021. When I called XXXX to ask them about this, they said that this could be corrected as long as my school sent them a signed document stating my graduation date. I was told this would ensure loan deferment until after I graduate. Several weeks went by and I noticed on my XXXX account that I was still required to pay back the loan on the XXXX. I called again, XXXX confirmed that they received the document from my school, and they assured me that it would take several business days until I would see the deferment status on my online account. Today XXXX XX/XX/XXXX ) I noticed that I still had a payment due on the XXXX. I called XXXX and that's when they told me my request for deferment was actually denied because when I filled out my citizens bank loan document, I was the one that checked off " No deferment/Immediate repayment '' which is a false assumption because the representative at citizens was the one that made this mistake. 

So I called citizens bank today so straighten this out, and they told me that there's nothing they can do because I was responsible for reviewing the documents before signing them. But how can I do this when the check marks on the document are not clear? And shouldn't representatives be competent enough to not make huge errors like this? What they should do is pull up the recording of that phone call and hear me tell the representative that I want to defer my loan. They should honor my original request and take accountability for their mistakes.
Consumer complaint received 2021-07-14
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: ALLY FINANCIAL INC. (FL)

i have viewed my consumer credit report and notice some unathurized inquries that has been placed on my account on XXXX by ALLY FINANCIAL AUTO FINANCE Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to which it relates. I XXXX XXXX never gave XXXX, XXXX  AND XXXX._any written consent to report anything on my consumer report, NO consent is identity theft .a copy of the law is attached along with this dispute letter. and to add on the 3 major reporting bureaus are also at fault due to the fact that their are well aware of the following subchapter 15 u.s code 1681b ( a ) ( 2 ) ... I AM ASKING THE CREDIT REPORTING AGENCY TO PRODUCE A CONTRACT BETWEEN ME AND THE CREDIT REPORTING AGENCY LISTED IN THIS AFIDAVIT SHOWING THAT I GAVE YOU PERMISSION TO FURNISH THIS REPORT IN THE FIRST PLACE ... BY CHANCE THAT YOU DO HAVE THIS CONTRACT I WANT A SENIOR EXECUTIVE STATING THAT I GRANTED MY PERMISSION TO FURNISH THIS IN THE FIRST PLACE ... PLEASE DELTE THESE INQUIRES
Consumer complaint received 2021-07-14
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)

I have so many addresses on my reports none of them match i have been reaching to them about not having a suffix behind my name, there are a lot of addresses, names and etc that are not related to me. I am trying to get a position with the government and i have so many inquiries on my report that someone has gotten my information and applied for everything. I do not understand how there is not enough protection to protect our information and identity. please help me to start a new chapter of my life. I spoke with the bureaus and they said I had to report to you all to get the things removed off. I have reached out XXXX to get this handled
Consumer complaint received 2021-07-14
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: EQUIFAX, INC. (FL)

HELLO, I AM INQUIRING REGARDING THE REMAINING NEGATIVE ACCOUNTS, THAT ARE CURRENTLY REFLECTING ON MY CREDIT REPORT. IT IS NOT FAIR TO ME THAT AFTER SEVERAL ATTEMPTS AT TRYING TO RECTIFY CERTAIN DEROGATORY INFORMATION ... THE CREDIT BUREAUS HAVE FAILED TO PROVIDE ME WITH ACCURATE AND COMPLETE RESPONSES REGARDING THE NEGATIVE ACCOUNTS ON MY CREDIT REPORT, WHICH I'M DEFINITELY NOT LIABLE FOR. THE MAJORITY OF THE ACCOUNTS HAVE BEEN EITHER REPAIRED OR DELETED OFF MY CREDIT REPORT. THERE IS NO REASON AS TO WHY IF XXXX XXXX XXXX  WAS ABLE TO DELETE ONE OF THE XXXX XXXX ACCOUNTS FROM MAY OF XX/XX/XXXX, DUE TO THE FACT THAT IT DID NOT CONSIST OF ANY ACCURATE INFORMATION AND DOES NOT PERTAIN TO ME. THE OTHER XXXX XXXX XXXX  ( AUTO ) ACCOUNT FROM XX/XX/XXXX, WHICH DOES NOT BELONG TO ME IS STILL THERE. PLEASE HELP ME REMOVE THE FALSE NEGATIVE HISTORY OFF OF MY CREDIT REPORT IMMEDIATELY. I GREATLY APPRECIATE IT.
Consumer complaint received 2023-03-30
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Last 4 SSN : XXXX The following account was charged off as of XX/XX/XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account ( s ) : XXXX XXXX XXXX Best Regards, XXXX XXXX XXXX
Consumer complaint received 2021-07-14
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: Navient Solutions, LLC. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-14
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: CITIBANK, N.A. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A. (CO)

On XX/XX/2021, I closed my Citi Checking Account ( ending in XXXX ) and Savings Account ( ending in XXXX ). This was done over the phone, and I have a screenshot showing both of the accounts were closed. At all times prior to closure, I maintained a balance sufficient to avoid a monthly fee, and no fee was charged at the end of the XXXX statement cycle. Sometime thereafter, without my consent and without providing any disclosures to me, Citi re-opened my Citi Savings Account ( ending in XXXX ) and charged a fee of {$30.00}, which overdrew my checking account. Citi appears to have reopened this account for the sole purpose of charging me a fee, which is unfair and deceptive as I did not request or consent to the re-opening of my account. The fee was charged on XX/XX/2021. I contacted Citi through chat on XX/XX/2021, and I was assured that the fee would be reversed, and the account would be closed. I have a screenshot of the chat conversation and of the account showing the credit for the fee. I assumed that the problem was corrected, but I received a letter dated XX/XX/2021, where Citi exercised a right of set-off against a different Citi savings account to transfer {$30.00} to the closed account. I have no idea how they came up with {$30.00} given that the account should have been closed and the amount of the fee was only {$30.00}. 

I am extremely concerned that Citi is re-opening closed accounts without consent or disclosure for the sole purpose of charging inappropriate fees and exercising its right to set-off.