davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-17
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: BARCLAYS BANK DELAWARE (OH)

After having impeccable credit history for 9 years with Barclay, I received a late payment notification from credit bureau. I had no idea a financial obligation was owed on said account. Barclay did not reach out via phone, email, or regular mail. Upon further investigation it was due to short " staffing and covid ''. Barclay advised as a " curtesy '' they would remove the late payment. Which they removed from 2 of 3 agencies ( XXXX was never updated. Upon notification of the late payment, I contacted immediately and made payment ( min payment as I recall $ XXXX ). They are breaking multiple laws affected by congress with covid. I am a small business owner and had extreme financial hardship. That said I still would have paid the bill before the late period had I KNOWN it was due. I have disputed the late payment ( 1 in 9 plus years ) and they " verified '' with XXXX instead of holding their end of the agreement and removing. ( I should have never had to dispute in the first place ). Further fraud and or negligence will be reported to XXXX  and Attorney General as need.
Consumer complaint received 2023-01-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

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.

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 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 antedates the report by more than 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 2020-10-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Between XX/XX/XXXX and XX/XX/XXXX a total of {$9400.00} was withdrawn from my Checking Account using the banking application " XXXX ''. These transactions were not authorized by me and during the period I did not have a XXXX account. It appears that my account information was breached and used to create a bogus XXXX account which in turn was used to steal money from my account. During this period I was not aware of these transactions as I did not know how to access my account activity online and I was not receiving paper statements. I contacted Citizens Bank and filed a fraud claim and was twice notified that they found " no fraud ''. I am seeking re-crediting of the monies stolen out of my account and Citizens bank has refused to do so.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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 XXXX has me at a score around XXXX. 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 XXXX 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 XXXXXXXX now.with no help.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing to dispute the late payment reporting on my account. I paid off my balance in full earlier before the loan original due date, yet the late payment reporting remains on my credit report. This is not accurate and reflects negatively on my credit score. If not, I am requesting a full payment history.
Consumer complaint received 2024-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diverse Funding Associates LLC (FL)

DNS ASSOCIATEXXXX IS REPORTING AN ACCOUNT THAT DOES NOT BELONG TO ME. I HAVE NEVER SECURED BUSINESS WITH DNS ASSOCIATES, I HAVE NO RIGHT TO REPORT ON MY CREDIT REPORT. I MADE MULTIPLE ATTEMPTS DIRECTLY WITH DNS ASSOCIATES, XXXX TO PROVIDE ME DOCUMENTATION BEARING MY SIGNATURE, AND TO-DATE, ALL MY ATTEMPTS HAVE BEEN IGNORED. THIS IS A VIOLATION OF THE FCRA AND MUST BE REMOVED FROM MY REPORT.
Consumer complaint received 2020-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITY NATIONAL BANK (GA)

I believe the travel concierge department who handles points redemption for travel owes me XXXX Points. They did not allow me to rebook a flight, in accordance with XXXX XXXX change policy, and forced me to pay for it again with points. Let me explain : XX/XX/XXXX Booked an itinerary Trip ID XXXX on the Travel Portal below XXXX  -- >JFK XX/XX/XXXX XXXX -- XXXX XXXX  XX/XX/XXXX XXXX Points XX/XX/XXXX 8 days prior to departure, I called to change the itinerary, where I would be traveling only one segment of the itinerary XXXX  -- >XXXX  on XX/XX/XXXX. The outbound flight ( XXXX -- >XXXX  ) would be cancelled and a XXXX travel bank credit would be issued for half of the itinerary. This is current XXXX policy found at XXXX XXXX XXXX This states that for voluntary flight cancellations there is no cancellation fees and the fare is issued as a XXXX XXXX XXXX credit. 

I then tried to use the travel bank credit through the travel portal to book a flight for my wife on XX/XX/XXXX. I was told that I am not allowed to book a flight using the travel voucher because it can only be done under my name. I discussed with that that according to official XXXX policy, I can use the XXXX XXXX credit for anyone I like. As per the official policy, " The name on the account does not need to match the name of the traveler ''. See screenshot below. 

Despite citing the official XXXX policy, I was denied the use of the XXXX XXXX Voucher for my wife. Instead, I was forced to book a separate flight for her using my existing points balance. 

XX/XX/XXXX Forced to pay for a new XXXX flight using XXXX Points Trip ID : XXXX XX/XX/XXXX XXXX XXXX XXXX -- XXXX XXXX  for my wife I was told that since I used the XXXX XXXX XXXX portal, I would have to suffer with a more restrictive cancellation policy than what is available by directly booking with the airline. In fact, I did call XXXX directly and they informed me that if I had made the itinerary change directly through XXXX, I would not have incurred any additional points or fees. I do not think that this is fair and I would for the travel concierge to credit my account with the XXXX points that I didn't need to spend to book my wife 's XXXX flight on XX/XX/XXXX Thanks and I look forward to your reply.
Consumer complaint received 2022-07-20
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: EQUIFAX, INC. (CA)

I am frustrated to see that the Credit Bureaus have done nothing to remove the disputed Items from my Credit File despite the multiple written letters I have been sending to the Credit Bureaus. The last letter I sent to the Credit Bureaus was dated XX/XX/2022 with complete attachments of my personal information but the Credit Bureaus have been ignoring the written appeals I sent. It is clear that the Credit Bureaus have become non-compliant of the FCRA section 605b and continued reporting these items on my Credit File without proper verification. I thought that this matter was already taken care of due to the letters I have been sending but I was wrong. Right now, I am submitting this complaint in hopes that the Credit Bureaus would finally take action and and to remind the Credit Bureaus of their obligation to comply with the FCRA section 605b and delete the disputed items completely from my Credit File. I need the following items removed now! 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXXXXXX XXXX  XXXX Balance {$3500.00} XXXXXXXX XXXX XXXXXXXX Balance {$4600.00}
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (OH)

Hyundai financed cat & it was totaled. They admitted they never notified me of my balance after car totaled. I cant pay something I am unaware of. I paid what we worked out in full weeks after I was advised by my credit monitoring because they sent me to collections with zero chance of resolving. No correspondence of any was sent until after they sent me to collections.
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BMO Bank, N.A. (FL)

I received a new credit card from BMO Haris Bank. The bank provided a phone number ( XXXX ) to activate the card on it. I called the number from XXXX on Friday the XX/XX/XXXX at XXXX XXXX and a man answered the calls after waiting for about 30 minutes. However, the person hung up my call without solving the problem and was very rude. They issued a credit card and does not want to activate the card. It affected my credit score. This Bank has a history of discriminating against people. I have a checking account with this bank. If there were a problem they could just deny my checking and credit account for the first time without affecting my score.
Consumer complaint received 2019-09-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (MO)

Flagstar Bank has not refunded me my escrow balance of {$1800.00} after multiple attempts to get them to do so. I first called them on XX/XX/XXXX to ask when I would be receiving my refund and was told it would not be mailed out until XX/XX/XXXX. I contacted them again after that date and was told a check was mailed on XX/XX/XXXX and that I should wait 10 business days to receive it. I did not receive it but contacted them again on XX/XX/XXXX and was told that it may have gotten lost in the mail. They confirmed that they had my correct mailing address on file. I also explained that I am enrolled in Informed Delivery with USPS and have verified that it has not been received by my local branch. They then told me they would initiate a " ticket '' to get another check sent to me but would not specify how long that would take. I contacted them again on XX/XX/XXXX and spoke with a manager and explained that I believed they were being dishonest. I was told it takes an additional 15 business days to issue a stop payment on the check and send another. I told her this was unacceptable. I also gave my email address.
Consumer complaint received 2020-10-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (NJ)

On XXXX, 2020, I pulled my credit report from XXXX and went over it and found out multiple accounts that were not mine, several years ago, I lost my personal documents, that could be a reason of why those unknown accounts were on my credit report. 
I have no other reason but to believe that I am a victim of Identity Theft, I am dealing regarding Identity Theft Issue with the credit bureaus since I found out, I am almost done, except that I recently received some medical collection letters that I have not idea why I am receiving them. COMMONWEALTH FINANCIAL SYSTEMS , INC, was recently removed from my credit report because I include them on my previous dispute with the Credit Bureaus, unfortunately they still sending letters trying to collect on me, I do not recognize the alleged account with XXXX XXXX XXXX, XXXX, the account does not belong to me, please stop further collection activities. I am hopping that this complaint will resolve this matter, for reference I am uploading the previous package I submitted to the credit bureaus.
Consumer complaint received 2021-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (FL)

I had initially called Citibank on XX/XX/XXXX to obtain my account number and routing number in order to make my car payment through a different bank. After the representative gave me the information, I called the other bank to make my payment. Thirty days later, I received a notice that my payment did not go through, so I called the other bank again to make the payment for the past two months ( the current month and the one from the previous month ). Thirty days later, I received an email from the credit union that my credit score had dropped XXXX points. I immediately called the other bank, and they told me that the account or routing number I have previously provided was incorrect, and that in order to repair my credit, Id need to send a letter from Citibank, stating that I was provided with incorrect information. I called Citibank, and they provided me with the correct number, so I knew the representative who I previously spoke to gave me the wrong account number. I spoke to supervisor, XXXX, and was on the line for 45 minutes. She got all of the information she needed from me, and told me that it was approved for the letter to be overnighted to me, and Id be receiving it the next day. The letter never arrived. I called back and spoke to another supervisor, and he told me that I was provided with misinformation, and the letter was rejected by another department and to try calling my local branch to have it sent. I called my local branch and the branch manager said that since the issue was through customer service, it had to be done through them. The supervisor at Citibank was passing the baton. I have called Citibank at least five times after that, and was told that a manager would follow up with me, but I never received any update. I was told they needed to review calls, but nothing was done. The final time I called, I was told to wait until today ( XX/XX/XXXX ), and theyd have an update for me. I called for the last time, and apparently, there were no notes on my account from any of my previous calls. Citibank supervisors are no doing as they say they are, as so many promises were made, but none of those promises were kept. They are liars, and need to be reported. It is a shame that they treat long time clients this way. Because of them, my credit is ruined, and they did absolutely nothing to help.
Consumer complaint received 2022-07-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

There was not a fair and accurate investigation. My rights were violated. In accordance with the Fair Credit Reporting Act XXXX Account # XXXX was not deleted. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. I want the account removed expeditiously.
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$2100.00} XXXX XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX {$2500.00}
Consumer complaint received 2021-01-22
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: ALLY FINANCIAL INC. (PA)

On XX/XX/XXXX, Ally Financial XXXX XXXX XXXX XXXX and Transition information from XXXX as if it were XXXX, resulting in a Derogatory remark on the credit report. The consumer attempted multiple times to have the problem rectified, only to receive multiple notifications that Ally Financial " adequately reported information to the credit bureaus, and the investigation was complete. '' I submitted multiple requests as to why information from XXXX was re-reported on XX/XX/XXXX, and no one at Ally could indicate why the Derogatory remark was added to the account, but each time I called in, it was indicated that the account was not Derogatory and that it was in good standing and has been in good standing since XX/XX/XXXX. As such, although the account has been in good standing since XX/XX/XXXX, it is currently being reported as Derogatory. The consumer reached out to the credit bureaus, and was told it was a problem with the lender, and the lender indicated it was a problem with the credit bureaus. My XXXX XXXX dropped almost XXXX points as a result, and I was in the process of purchasing a home and was no longer eligible due to the error on my credit report. My livelihood has been greatly affected, and I am unable to purchase anything as a result.
Consumer complaint received 2023-01-09
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. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-01-21
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. (IL)

I have been trying to fix since XXXX as some accounts that doesn't belong to me and personal information as my name, phone numbers, and addresses that I have never lived there where showing on my credit. 
I have never lived in California and there is many address listed there. Also my name was listed with different middle names and last names that I never used them. 
Most of the accounts were removed from my credit as I believe companies are confusing me with another person as my name is very common name I don't have any Macy 's account open and they insist that the information belongs to me. 
When I called XXXX XXXX XXXX and Macys, they are not able to find any account with my social security number. 
I need them to take the time to verify that my information is not the same as their credit card holders, I have never receive any statement from them to my current address where I lived for more than 15 years. 
Also I need Credit bureaus to clear all personal information that doesn't belong to me.
Consumer complaint received 2020-10-30
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. (GA)

I settled my XXXX XXXX credit card collection in full. I sent the settlement document to the credit bureau and they did not remove the balance on the item. Their statement was that the investigation did not change the item. 

I have attached a copy of XXXX XXXX 's document that clearly says the balance would be reduced to zero. Why is XXXX  making up their own rules to updating items in disputes? 

This is costing me hundreds of dollars in interest charges because of an artificially lowered score. It is negligent non-compliance at worst.