davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received the results from my previous complaint with Transunion in the CFPB portal, and NONE of my matters were addressed. I provided detailed feedback. Transunion ignored all of the issues that were brought to their attention and listed all of the disputed accounts as " updated ''. I am not confident that an actual investigation took place! They have not altered or changed anything on my report, nor was I mailed a copy of my report once their alleged investigation was complete. Transunion never addressed that they have received more than one of my disputes, via certified mail, and have never responded to me. They did not follow the rules and procedures upon receiving a dispute by a consumer, which is obviously a violation of 15 U.S. Code 1681i. That by itself is grounds for deleting the disputed information! But wait, theres more. The disputed items, which I have good reason to believe to to be inaccurate, was never blocked from reporting upon Transunion receiving my dispute, -which is a violation of 15 U.S. Code 1681s2. Transunion also never addressed that the following financial institutions never provided me with clear and conspicuous notice, informing me that I have the right to opt out of reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I was never given disclosure or a choice and this is a clear violation of 15 U.S. Code 6802. Transunion also never addressed that my right to privacy is being violated and that my private, nonpublic information is being shared to nonaffiliated third parties such Transunion, and others. This are violations of 15 U.S. Code 6801 15 U.S. Code 6802. How is XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX able to furnish information onto my credit report?? How did they obtain my social security number and other nonpublic information?? Transunion did not address this matter. No consent means identity theft! None of the items disputed as identity theft were blocked within four days according to 15 U.S. Code 1681c2 ( a ). Under 15 U.S. Code 1681, Congress sates that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Transunion is not insuring that my right to privacy is being respected by the companies listed above. And lastly, 15 U.S. Code 1681 ( 2 ) states that transactional information, or experiences, between the consumer and the furnisher are to excluded from consumer reporting. That means that NONE of these accounts should be reporting! I never received ANY documentation supporting the information that Transunion is reporting therefore they need to delete this information!
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I have been trying for the longest while to get a credit freeze placed on my credit report but without success. I have sent in numerous letters with my particulars to have a credit freeze placed on my credit report but without success. 
I was a victim of identity theft in the past and that is why I am asking that a credit freeze be placed on my credit report.
Consumer complaint received 2022-07-29
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. (WI)

In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX and XXXX acct # 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 2023-04-04
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. (MS)

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 2022-12-29
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. (WA)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2024-12-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (IL)

This request is for Citibank in whom I have millions of communications with regarding opening an account and removing me from XXXX XXXX XXXX. Citibank continues to report me to early warning services and I have a horrible time establishing banking with any other financial institution. Citibank, has lied on several occassions that they will remove me from this system. I have contacted XXXX XXXX XXXX and continue to file a complaint to have the information remove. How is information being verified? Who is verifiying this information. Citibank has continue to report me negative in their system and now I can not establish an account because I was a victim of fraud. I am requesting that information is removed immediately from XXXX XXXX XXXX and that I am allowed to establish an new account.
Consumer complaint received 2022-08-22
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. (CA)

I have been submitting letters on XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below. I was a victim of identity theft and the disputed inquiries do not make sense to me. Under the provisions of the FCRA section 605b, I am requesting that the Credit Reporting Agencies remove the following disputed inquries completely from my Credit Report ; XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  Inquired XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I sent an initial complaint dated XX/XX/XXXX with the inaccuracies that are being reported differently across Experian and XXXX. They ( XXXXXXXX XXXX XXXX  ) received that letter with certified returned receipt on XX/XX/XXXX. Their response was a " canned '' response that " My correspondence does not provide sufficient information to investigate my dispute. '' Which is a lie because i included account number and they themselves on the correspondence dated XX/XX/XXXX states my full account number My dispute also stated 3 errors in detail date opened is incorrect, date last active is incorrect, payment history has inaccuracies I also included a copy of my report with the errors outlined in red. A second letter was sent today ( XX/XX/XXXX ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.
Consumer complaint received 2024-12-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (PA)

They are charging me property taxes on property that I am exempt from due to being XXXX  in XXXX  and XXXX XXXX in defense of the United States of America. 

They charged property taxes in my closing documents despite being provided tax exemp notification and charged a year in advance in property taxes while still charging me a regular monthly rate for property taxes that I don't pay and have never paid while living in this home. 

Newrez LLC does what they want to do they do not answer their phone It's an endless circus XXXX option exchange on every entry point in the voice automated system which ultimately reroutes you back to the very beginning without a representative and without any resolution. 

I uploaded my tax exempt status documents through their company portal I have confirmation email receipt that it was uploaded through the portal and they ignored those forms for my tax exemption. 

They have delayed my escrow analysis until XXXX day after my mortgage payment would become XXXX  days late. And they are extorting me to pay the monthly property taxes in my mortgage payment despite having received the appropriate documents. 

New res is criminally extorting me for property taxes I don't pay and I've never paid and despite receiving the appropriate forms they will not even complete their analysis until XXXX day after my mortgage is officially late. 

The feds need to look into this company.
Consumer complaint received 2022-06-06
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. (IL)

15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-12-17
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (OH)

I received a refund from XXXX on XX/XX/year>. There was a {$0.00} balance on my account at the time the refund posted to the account. I spoke with a representative from Fortiva on XX/XX/year> to initiate the refund process. I was told it will take XXXX business days for internal processing and XXXX business days to receive the check in the mail. I followed up with Fortiva XX/XX/year>, I had to escalate the call since the representative told me inaccurate information and was told by a " supervisor '' that a check will be issued that day and normal XXXX Mail timeframe to receive. Upon speaking with someone today ( XX/XX/year> ) I was told that due to the amount ( {$2200.00} ) no check has been mailed and there is still internal processing that is needed before the refund can be sent. He mentioned he could not give me a timeframe on when it will be complete " maybe a few days '' This has become incredibly frustrating, I feel deceived and lied to. Every time I call I'm told different information. I simply want accurate information regarding this and my money refunded back to me.
Consumer complaint received 2022-06-06
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. (TX)

account/inquires cant be verified and need to be removed from report ACCOUNT ACCOUNT NUMBER AMOUNT 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 2024-12-16
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A. (NY)

I currently have a business, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, owned by myself and my husband. My husband and I went to Citibank on XX/XX/year> and applied for Business Checking Plus ( line of credit ). The representative was on the phone with a business banking specialist, helping her to complete our application. The gentleman on the phone stated that the application will probably be denied because my husband does not have established personal credit. However, he encouraged us to still apply. 

My husband and I moved forward with the application, hoping that maybe Citibank will take into consideration that we have multiple accounts with them, and my credit history as the stronger partner. I received the denial letter in mail. The letter stated that Citibank was unable to approve our application because the principal business activity is outside targeted industries for lending. 

This is information that Citibank can and should have disclosed prior to the application so that we will not waste our time applying for products that they do not support. Also, the application was for a line of credit for our business checking account, not a separate line of credit for the business.
Consumer complaint received 2024-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

On XXXX XXXX, XXXX, I was contacted by Citi Bank Fraud Division to inform me that there appears to be 2 fraudulent transactions on my credit accounts. One Cash Withdrawal for {$1400.00}, and one for {$2500.00}. 
As I inquired about this, the person from CITI asked if I was referring to the wire transfer that same day in the amount of {$6600.00}. I immediately advised him I had not authorized such a transaction, nor was I called to verify that one the way they called about the credit cards. 
He advised the money is lost, and instructed me to contact my local Sheriff Department. 
I filed a report with the Sheriff, who directed me to file a complaint with the Federal Trade Commission and the FBI, which I also did. 
At this point, I believe it was negligent of CitiBank to verify transactions on my credit cards, but no attempt to verify on this wire transfer. 
I am asking assistance to recover this money. 
Citi apparently offers no protection against fraud, and is not too concerned about who they disperse a customer 's funds to.
Consumer complaint received 2022-08-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

experian is reporting late payments on my credit report. 

I recently received a copy of my Experian, XXXX, and XXXX credit report, And I noticed some late payments posted on my credit report 1.XXXX XXXXXXXX ..ACCT : XXXX late payment. XX/XX/2021 30DAYS Your company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. THE LAW CLEARLY STATES : ( 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 whom it relates. 

Did I give u written instructions to furnish this late payment on my credit report? 

Furthermore, The FAIR CREDIT REPORTING ACT 15 U.S.C 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Delete the above LATE PAYMENTS from my consumer report, this agency is in violation of 15 U.S. Code 1681 Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement Of Identity Fraud 3. Fair Debt Collection Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 U.S. Code 1681 violations for willful noncompliance - 616. Civil Liability for willful noncompliance [ 15 U.S.C1681n Best Regards, XXXX XXXX XXXX
Consumer complaint received 2022-07-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

All happened in XXXX let. my daughter in law live in this house for XXXX years ( XXXX XXXX XXXX XXXX XXXX house home has been in the family for XXXX years..after she moved out i called BOA and that is when i found out my XXXX XXXX law missed XXXX payments ... I imediatiately put the house on the markrt for sale with realtor XXXX & XXXX XXXX TURN THE REALTOR GOT US A MEDIATOR XXXX I WANTED TO A SHORT SALE WITH BOA JUST SO BOA WOULD GET THEIR MONEY BACK OF WHAT WAS OWED ON THE HOME..IN THE BEGINING OF ALL THIS BOA TOYED & PLAYED GAMES WITH ME OUR MEDIATOR & OUR REALTOR LENDING ALL XXXX OF US TO BELIEVE THAT BOA WAS WILLING TO DO A SHORT SALE ... AS THE YEAR WENT ON BOA HAD ONE EXCUSE AFTER A NOTHER..BOA WAS HAVING US SEND THEM ALL KINDS OF DOCUMENTS.I WOULD SEND THEM I WOULD CALL THEM IF THEY RECIEVED MY DOCUMENTS & BOA SAID NO THEY SAID FOR ME TO SEND AGAIN..THIS TYPE OF BEHAHAVIOR WITH BOA FOR MONTHS & MONTHS..STILL BOA MAKING us to belive They were going to do a short sale..Boa had our mediator open up a XXXX account so that any offers we got would go thought this XXXX XXXX.Boa would sent it to our meditator and stay u have XXXX hours to send the stuff for the short sale paper though this XXXX ... my mediator kept telling me Boa would shut the XXXX XXXX down and said she only had XXXX hours to send the paper work though the XXXX boa would shut the XXXX XXXX  and tell me that my mediator didnt even open there XXXX... this was a constant thing with Boa..making us believe for XXXX year that they wanted to do a short sale then one day we went to court and the judge looed at XXXX rep fron XXXX and asked are u willing to do a short sale the rep said NO ... after XXXX year!!!! The best part we had XXXX cash offers sitting in our releators desk waiting for Boa to get off there XXXX but to no aval ... if boa had worked with the relator with these offers we could of sold that home... now 4 years later they locked us out of the house. Which is stupid on there part & we r loosing a family home which has been in the family for XXXX XXXX. BOA are such lairs they cant be trusted sincerely, XXXX XXXX
Consumer complaint received 2022-07-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.