davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alpha Recovery Corp (NC)

Due to Covid I was laid off and fell behind on a personal loan with XXXX in the amount of $ XXXX. I tried numerous times to work out an agreement with XXXX due to my unemployment circumstances. However, their method of providing assistance was granting a 3mth forbearance which included my monthly payments being higher once the forbearance ended. Needless to say I declined the assistance as it predatory and it would only put me further in the hole with them. My load ended up being delinquent and they turned it over to Alpha Recovery Corp . I worked out a settlement with XXXX  for $ XXXX with the agreement of a letter sent from XXXX stating the account has been settled/satisfied for the agreed amount and closed with XXXX balance. I had to follow-up on three separate occasions for the letter and once I received the letter it stated the opposite with me still owing a balance of {$5500.00} and not reflecting account as closed and updated to the all three credit bureaus. I call XXXX and spoke with XXXX XXXXCollection Mgr. informing her the letter in question was not correct as it has incorrect information from what was agreed upon at time of settlement. Ms. XXXX stated the letter was drafted by their legal team and was correct. I'm filing a complaint with the AG 's office for unfair and deceptive practices by XXXX XXXX XXXX.
Consumer complaint received 2021-12-17
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 — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (NY)

Hello I am writing this because I have been having an issue with this creditor, I have been disputing this account since XX/XX/2021. The agency has yet to respond. This account is reporting inaccurately across all 3 credit bureuas and that is a violation of the FCRA. There is a list of errors from this account including, high balance, date of last activity, last payment date, and a few other errors. According to the FCRA everything reporting on my credit report must be identical and this is not. Please assist me with the removal of this erroneous information on my credit report.
Consumer complaint received 2023-06-23
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. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2021-11-06
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

On XXXX XX/XX/2021, I clicked advertisement on citibank official website, opened a Citi XXXX account package.The ads says Earn {$1500.00} bonus with minimum deposit $ XXXX. 

On XXXX XX/XX/2021, I deposited XXXX USD into saving account and kept money in the account until now ( XXXX XX/XX/2021 ). 

On XXXX XX/XX/2021, Citi chat repesetative told me I will be qualified for the bonus, bonus will show up in XXXX statement. 

On XXXX XX/XX/2021, two Citi XXXX  call center agents told me I will not be able to qualify for the bonus, since they can not find promo code with my original application. 

My request is, Citi give me {$1500.00} sign up bonus. 

Appendix A : The chat history with citi repesentive, it proves I know the promotion on XX/XX/XXXX, also, XX/XX/XXXX, Citi confirmed I will get bous. 

Appendix B : When clicking the Ads to create new account, there is no way to enter or verify promo code by customer, the promo code is associated by Citi system, So, in case of missing promo code, it should be Citi 's system error, instead of Customer missing an action.
Consumer complaint received 2021-12-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 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 30 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 XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XX/XX/2021, Transunion. I disputed a account on my credit report that was inaccurate. By law 15 U.S code 1681 Transunion can not have inaccurate information on a consumer credit file. I noticed the XXXX XXXX was reporting an alleged collection to my Transunion consumer credit report. I mailed Transunion by certified mail the dispute and told Transunion to delete this account because it was inaccurate. I stated that a collection account can not show a BALANCE. Transunion mailed me the investigations results and now my report shows the BALANCE as XXXX. That is a clear violation of the law. I want this account deleted immediately. I have attached my Transunion documents and dated XX/XX/2021 and XX/XX/2021 as proof of Tansunions violation of the Fair Credit Reporting Act.
Consumer complaint received 2021-12-17
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. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-12-17
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. (MI)

This XXXX  account has been erased from my report multiple times. And its just now back as of 30days ago. Please verify why this account is back after being removed 30 times.

Attached are my identity theft report, ID, SSN, and proof of residence.
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sequium Asset Solutions, LLC (MI)

This sequium account has been erased from my report multiple times. And its just now back as of 30days ago. Please verify why this account is back after being removed 30 times.

Attached are my identity theft report, ID, SSN, and proof of residence.
Consumer complaint received 2021-12-17
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. (TX)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-17
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. (LA)

I am filing a complaint under FCRA and Fair credit and billing act. I would like to see full validation and what the company right to collect on these accounts. I have no knowledge of these accounts. I have no record of these accounts ; therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following account names as it appears on my3 credit reports : XXXX XXXX XXXX  Account number XXXX and XXXX XXXXXXXX XXXX Account number XXXX
Consumer complaint received 2021-12-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

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 XXXX you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX CFPB responded to XXXX : We've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint.Companies generally respond in 15 days. On XX/XX/XXXX CFPB further responded to XXXX : This complaint appears to be a duplicate of a complaint we've already received. Experian 's responses to XX/XX/XXXX XXXX and subsequent XXXX, XXXX, XXXX, XXXX and XXXX included " ... the results summary was sent to you for review, XX/XX/XXXX '' THIS IS NOT A DUPLICATE. The XX/XX/XXXX summary for my review HAS NOT been received.
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (LA)

Experian score is over XXXX point lower than the other XXXX majors credit bureaus, and references credit issues which do not exist on my current file to deny my credit applications.
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc. (TX)

The account was close with santander consumer usa and they are still reporting it under XXXX  and its affecting negatively on my credit report. The account was open XX/XX/XXXX and it was closed XX/XX/XXXX Account ; XXXX this was reported a few months ago and it was advise that it was removed back in XXXX but now im showing that on XX/XX/XXXX that santander is still reporting this information to XXXX..i included XXXX  on this complaint as well because i spoke with them and was advise that they want be able to remove it until XX/XX/XXXX because of what was reported by santander. The other 2 credit bereau has removed it from my credit report & XXXX  is the only account where santander is showing up for. A fair decision would be for santander to be removed from off of my XXXX  credit report immediately i also have attach a copy of my credit report that shows proof of the 2 major credit companys which is XXXX  & XXXX removing the information from my report.
Consumer complaint received 2021-12-17
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. (MD)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report on this day over almost 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 ) of the Fair Credit Reporting Act, it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been almost 60 days as a result they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this situation has caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LOBEL FINANCIAL CORPORATION (FL)

i first contacted Lobel financial corp about the fraudulent account on my credit report. it was removed from XXXX but still remains on XXXX, and XXXX. I have been a victim and been fighting identity theft since 2018.
Consumer complaint received 2021-12-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (MA)

My husband XXXX XXXX called multiple times in XXXX and I would like them to look for the calls as they state " they are recorded '' ... as ALL individuals we spoke to -whether it be my husband or myself spoke of adding the XXXX amount to the remaining principal. We were told on all occasions that if we received loan modification paperwork to ignore it as they would actually send us paperwork to sign via docusign. During this time they said it could take until XXXX of XXXX we didn't have to pay nor would it affect MY credit as my husband filed XXXX XXXX. They all said not worry. Even the gentleman on XX/XX/XXXX at night spoke to us and said he was confused until he spoke to someone who told him that because we never had missed during the forbearance process so instead of being praised for that we are being told that we NOW have to send that paperwork they wanted in. It took me 3 hours to get it together. I am suicidal have been hospitalized recently and they are aware I am on SSDI. I sent them myself as my husband is trying to work XXXX XXXX as he lost his job XXXX of XXXX and he had got XXXX with that extra XXXX, but things are tight. Companies are not paying well and he is XXXX to the XXXX XXXX  so he is not allowed to get fully XXXX which seems to be a problem with hiring now. So is injured from a XXXX accident and he is still TRYING to XXXX  but he pays most of that money in a rental care which we told them in the hardship letter. 
They have all the documents they needed tonight now. BUT the lies beforehand? WHY! I want an explanation. YOU do not care if people take their life with no home and car... you lie about info. What is wrong with you!
Consumer complaint received 2022-06-27
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. (NC)

improper use of credit report or have any knowledge of hard inquiries, listed below : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (NY)

This is the email exchange which happened this evening ; XXXX, I responded to your message and copied it to the list as described. Here is a copy of your message, as well as screenshots of your email to me. I am also filing a formal complaint with the Consumer Finance Protection Bureau, along with a copy of this exchange and screenshots of my payments you are emailing to me. 

XXXX, Then I will disconnect my Social Security XXXX, and seek legal action, after filing a formal complaint and forwarding the details of my conversation with support. I asked for my account history and transactions, both through your app and by mail, requested a replacement card, and was given none of these Are you XXXX? You think you can keep my XXXX income and not let me access my own account after my phone was stolen? This is tantamount to fraud. 

I will seek legal aid and forward this to the proper authorities. The Consumer Finance Protection Bureau, The Justice Department, FBI and others listed in the cc : list below. Your app is a scam. I worked in investment banking most of my career at XXXX XXXX XXXX. 

cc : FBI and Justice Department, XXXX, XXXX XXXX, XXXX XXXX, XXXX, myself, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, Legal Aid XXXX Sent from my XXXX On XX/XX/2023, at XXXX XXXX, Cash Support XXXX wrote : XXXX XXXX, My name is XXXX. I'm a manager with Cash App Support. Thank you for your patience while I reviewed your case. 

I took a look at your case and can see that you have been working with us to gain access to your old account. I have reached out to a specialist to review your account and case. They have informed me that based on the information you provided, your request to access this account was not approved. 

I have been informed by our specialist that for security reasons, we are not able to grant access to the account or funds. They have not disclosed any additional details to me about this, and I can not override this decision. 



Thanks for your understanding. I hope you have a great rest of your day. 

Best Wishes, XXXX Cash App Support Manager ref : XXXX : ref ref : XXXX : ref Get XXXX for XXXX