davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-06
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (OH)

In XXXX I unfortunately was unemployed for an extended period of time. Due to this circumstance, I fell behind on my payments on a XXXX XXXX store credit card serviced by CBNA XXXX Citi. I spoke to a representative that offered me a plan that closed the account, gave me a lower/fixed interest rate and had a fixed monthly payment of $ XXXX. The representative confirmed that all late charges/any other fees on the account would be waived, my payments would begin XX/XX/XXXX, and my account would be brought current. I explicitly asked if the past due amount would still show on my credit report, or if my account would be brought current. I was told it would be brought current. This year on multiple occasions, I received notifications from XXXX and XXXX that my XXXX XXXX account was past due despite me meeting my agreed-to minimum payment of $ XXXX. I disputed this information with the credit bureaus, and was told the information would not change as it was verified by the creditor as accurate. I called Citi customer service today ( XX/XX/XXXX ) to explain the situation, and was told my account has shown as current for the last XXXX months, but they will continue to report it as past due in the first quarter of XXXX ( AFTER my payment arrangement began ) due to my past-due balance not being satisfied by the $ XXXX minimum payment. I was told this was company policy, and there was " nothing they could do '' to change it. I explained that I was led to understand that my $ XXXX payment arrangement would lead to a current account, and I was told the " program is designed to help get you back on track, not to help with credit worthiness ''. I informed them that I wouldn't have agreed to the arrangement had I know my credit would continue to be hit for the next XXXX months, but the policy was just repeated to me. I also informed them that XXXX DOES show my account as current/in good standing with XXXX lates since XX/XX/XXXX, but the other XXXX bureaus have completely different information. I was told the same information is given to all bureaus and that despite my understanding of the agreement the account will continue to report as late after XX/XX/XXXX. I asked for a copy of a signed agreement, I was told none exists, the agreement was verbal and there are " training forms '' read aloud when arrangements are agreed to. I asked for a copy of that information and was told that it could not be sent to me, but I could write a letter to see if someone else at the company could provide it.
Consumer complaint received 2021-10-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (MI)

We are on covid forbearance till XX/XX/21, we even had an email from XXXX ( XXXX ) XXXX ( supervisor ) verifying we would not be removed off forbearance till XXXX, an agent told me today someone removed my forbearance XXXX without my knowledge, an agent statedthats how they do it. Also she they denied ne for streamline refinance??? I never applied for a streamline refinance, whatever happened to HUD FHA partial claim and covid loan modifications? I requested i wanted consideration for HUD Hamp/ Partial Claim and was sent letter with a full page of requested checklist of documents including tax returns, doctors bills for a Reduced Documentation Hamp/partial claim which per HUD only requires a 1 month payroll proof document, Freedom Mortgage is making it a very confusing process, not following HUD guidelines, i need resolution asap,
Consumer complaint received 2021-02-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

First this business should be shut down for illegal practices. They refused to take my payments, and changed the locks on my house and refused to allow anyone back in. We went to court when they refused my willingness to pay more than I owed to get this done. I paid them, and I was current. These XXXX  accepted my payments from then on. Now, I want to sell my house. I asked for the payoff, and these XXXX  added an additional {$11.00}, XXXX and call it " recoverable corporate advances ''. This has to be illegal!!! i refuse to pay them a dime more than actually owed which they show as {$67000.00} but is actually less. I have overpaid them for the last time. They have put me and my tenants through so much they should be paying me, and if this isn't corrected, I will sue and charge them my legal fees, emotional distress etc. PLEASE help me!! I don't want to lose this sale due to this " businesses '' hopefully unlawful, revolting greed.
Consumer complaint received 2023-06-27
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. (VT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; CHILD SUPPORT ENFORCEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT XXXX
Consumer complaint received 2021-02-13
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. (LA)

I noticed a debt on my credit report that was unknown to me so I promptly wrote a letter on XX/XX/XXXX asking Transunion to verify. The letter was received by TU on XX/XX/XXXX but I never heard a response. I wrote a follow up letter on XX/XX/XXXX which TU received XXXX but I did not receive so much as a notice from either TU or the debt collector. Finally, I sent a third letter on XX/XX/XXXX that TU received XX/XX/XXXX. They sent a copy of my credit report and said they verified the debt but did not provide a method of verification nor did they provide adequate details. The letter was dated for XXXX a almost four months later! I understand COVID and what not but what I really understand is TU made XXXX XXXX profits last year while I paid high insurance premiums struggled securing credit which has supressed my ability to purchase a home.
Consumer complaint received 2022-09-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My name is XXXX XXXX, I'm attaching the letters I sent you last XX/XX/2022, including a copy of my ID for identity verification. I just checked my credit report and I learned that the items I requested for your company have not yet been removed and their status on my has not yet been updated, you seem to be ignoring me like other people I talked with and it's been over a month now. The FCRA requires the credit bureaus to investigate and respond to the letter within 30 days so this is obviously another violation of my right as a consumer.
Consumer complaint received 2022-06-22
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. (MI)

in accordance with the Fair Credit Reporting act XXXX Account/Docket # XXXX ( transunion )/ ( XXXX XXXX XXXX MICHIGAN ) 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.
Consumer complaint received 2021-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CT)

During Covid, our mortgage company at the time, SunTrust, allowed us to put our loan into forbearance due to hardship. They sent a letter indicating there would be no fees or penalties while in forbearance. We went into the process with approx $ XXXX left on the loan. 

At the end of the year long forbearance, we agreed to move the unpaid $ XXXX to the back of the loan and pay in a lump sum at the end of the loan. Our next mortgage statement at the end of forbearance showed we owed $ XXXX. Apparently they added the $ XXXX to the end of the loan and didn't take into consideration that it should be removed from the main balance... not just added to the end of the total as if we borrowed another $ XXXX. 

I contacted SunTrust to ask them to explain how the amount was added on as if borrowed additional funds when the initial forbearance paperwork stated that I would not incur fees or penalties. I went to the XXXX. During the entire time and every phone call, SunTrust would not give me a calculation on where they got the added on funds ( without removing them from the original balance ) and even hung up on me when I pushed for calculations.
Consumer complaint received 2018-01-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Keynote Consulting, Inc. (IL)

On XXXX XXXX, 2017, I sent a letter to Keynote Consulting INC. Asking them to validate and verify the debt that they say i owe. I have not recieved anything back from them and it 's been over 30 days.
Consumer complaint received 2022-07-08
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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
Consumer complaint received 2023-03-28
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. (OK)

Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report.

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 
6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 
7. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 
9. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account. 
10. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-09-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (FL)

This Marcus Goldman Sachs bank ripped me off for a {$100.00} advertised bonus to open and deposit money with them. I have all the copies of the website screenshots. I followed all the requirements. They refused to pay. I read their deposit agreement which states on page 21-22. I have the right to arbitration to dispute it which they agree to pay for. It can be read at this link : https : //www.marcus.com/content/dam/marcus/us/en/pdfs/Marcus_Deposit_Account_Agreement.pdf I demanded it in a written letter on XX/XX/2022. I called last week XX/XX/2022 to inquire when they are going to provide it. The rep said they would call me back. They of course did not. I called today XX/XX/2022 and they wasted my time on hold for XXXX minutes. I demanded to speak with a supervisor and after more holding the so called supervisor named XXXX refused to give me arbitration and didn't even know what is in their own customer agreement. This is breach of contract a clear violation. This Marcus is a disgrace! You don't have to just take my word for it. Just look at XXXX review website : https : //www.depositaccounts.com/banks/reviews/marcus-goldman-sachs.html There are over XXXX complaints. This so called bank should not be allowed to continue harming consumers!
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX, I AM VERY FRUSTRATED. MY RIGHTS ARE BEING VIOLATED AS A CONSUMER. It has been brought to my Attention that the Credit reporting agencies are Willfully Neglecting my rights as a consumer. I have reached out to the Both THE bankruptcy Court of XXXX XXXX as well as XXXX XXXX which they have stated are the verifying of this data .I have correspondence from THE BANKRUPTCY COURT that they in fact do not report anything to credit reports. SO WHY IS IT REPORTING THAT ON MY CONSUMER REPORT! THAT IS NOT 100 % ACCURATE ACCORDING TO 15 USC 1681e ( b ). I also have no contract with this company allowing them to REPORT to my consumer reports. THIS IS INDEED FRAUDULENT AND I AM DEMANDING THESE ACCOUNTS BE DELETED. 

YOU ARE IN VIOLATION OF 15 USC 1681e ( b ) - MAXIMUM POSSIBLE ACCURACY 15 USC 1681a ( 4 ) - ACCURACY AND FAIRNESS 15 U.S. Code 1681c2 - Block of info 15 U.S. Code 1681b - Permissible purposes of consumer reports
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-28
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. (TX)

Dispute Letters ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a fourth Follow-Up Letter ( XX/XX/XXXX ), a Notice of Intent to File a Formal FTC Complaint ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), and seventh a Follow-up Letter ( XX/XX/XXXX ). In total, I have sent seven letters asking for a correction to my credit report.

To date, I have had to dispute incorrect inquiries that are not mine seven times. To date, I have not received a response from any of the credit bureaus on the inquiries, or the confirmation of the removal/deletion by any of the three credit bureaus. 

The inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (CA)

I have disputed XXXX $ since XX/XX/22 for debt having a negative impact on my credit. This is a debt for service never rendered. I reached out in emails and spoke to the service provider I thought she understood and updated there information but then they still sent it to debt collector that I have emailed my concerns in detail and I got no response so I disputed in XXXX XXXX  and XXXX multiple times.
Consumer complaint received 2023-03-10
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. (NE)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

ON XXXX XXXX citibank sent _3 unauthorized wire transfers to 3 banks across the country from my checking acc. totaling $ XXXXwe found out about an hour after it happened and when we called to trty and stop it, we wewe put on hold by the fraud dept. for an hour and 15 minutes.we were then aasked to fill out 3 affidavits saying it wasn't us and was without our knowledge.we were then told it would take up to 60 days for the investigation.after the 60 days was over we were told it would take up to 90 days because of the large sum of money.During this time everytime i called and asked for info i was told someone would call within 48 hours.5 times i was told this and it never happened.my branch manager called and she too was told within 48 hours she would recieve a call.NEVER HAPPENED.During this time without warning XXXX was put back into my acc. again when i called and asked about the other XXXX $ NO ANSWER.it is now day 117 how much longer do i have to wait for some from citibaank to give me some info.I 've been with the bank for 35 years and am still just a number not a person who deserves to get an answer.please help me
Consumer complaint received 2020-10-09
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. (FL)

I sent certified letters out over 45 days ago and have yet to receive any notification. As a consumer i dont feel like i am being taken serious and these people are taken advantage of me.