davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-09
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. (WA)

The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2020-05-29
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: EQUIFAX, INC. (CO)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX   XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-05-29
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: MUFG AMERICAS HOLDINGS CORPORATION (TX)

XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX 
XXXX, TX XXXX XX/XX/2020 Complaining Department MUFG Union Bank XXXX Dear Sir or Madam, I am writing this letter to correct information in my credit report. I have circled the items I dispute on the attached copy of the report I received. 

The information that I have circled " not correctly '' because I never borrow money from my equity line with union bank. I am requesting that the item be removed to correct the information. 

Attached are copies of my credit report. Please reinvestigate this matter and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I have sent over 5 letters to XXXX, Experian, and XXXX  - according to my understanding of the FCRA. Credit reporting agencies can verify bankruptcies through 3rd parties ; yet, they seem to be allowed to get away with this on a regular basis. Not to mention the inaccuracies associated with bankruptcy reporting down to the name, courthouse name, balance, liabilities, and even docket numbers. All three of my credit reports show inconsistent information and inaccurate information. I contacted my local court and they told me - they do not verify bankruptcies with third parties. With that being said - this is a violation of the FCRA. The CRA must verify all information directly from the furnisher of that information and not a third-party. The courthouse has stated to me in writing they did not and was not the furnisher of this information to the credit reporting agencies.
Consumer complaint received 2020-05-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: ENOVA INTERNATIONAL, INC. (OH)

I made a payment on XX/XX/2020 to pay the balance in full. I received a confirmation email advising that I paid the balance in full and they still charged me {$56.00} on XX/XX/2020, In which they told me I had to pay this amount even though my account was already paid in full. 
I overpaid and now they refuse to issue my refund, even though I have an email from them confirming that I paid my balance in full on XX/XX/2020.
Consumer complaint received 2020-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (GA)

In XX/XX/2020 my husband I booked a trip for XX/XX/2020 with XXXX. We paid for this trip with my Citibank credit card. In XXXX XXXX cancelled our trip due to Covid-19 and told us to contact our credit card company for a refund. XXXX also closed down there business as well. I immediately filed a dispute with Citibank for over {$4000.00}. I sent Citibank all the documentation from XXXX cancelling the trip and also there policy on cancellation. I also sent the XXXX  report and news reports of the company abruptly closing. I have received a partial refund from Citibank for {$240.00} and was advised {$4600.00} was still pending awaiting on XXXX to respond. I just received notification from Citibank that for the {$4600.00} they have sided with the merchant and will not be refunding me the money. I need help! If our trip was cancelled by the booking agency and the resort doesnt have a record of it because they are closed as well how can they keep our money. Also how can Citibank refund monies for the exact same trip and company for the smaller amounts but not the large amount were we paid the remaining balance. The information I sent on the disputes were all the same and for the same trip. Please help!
Consumer complaint received 2020-05-19
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: Bread Financial Holdings, Inc. (LA)

I sent a letter to Comenity bank disputing a late payment on my credit card due to hardships. I asked them to make a goodwill adjustment as my credit balance is XXXX and I am a customer in good faith. They are reluctant to work with me as I have shown good stewardship as a cardholder.
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (NY)

Back in XX/XX/XXXX, I made a phone call to Citibank customer service to close my Citi AA Advantage card. I explained I was not interested in collecting miles with XXXX XXXX, paid the full balance and was informed the account would be closed. 

However, in XX/XX/XXXX and XX/XX/XXXX, I noticed several fees/interest charges on my account and realized they had sent me to collections based on a {$0.00} interest charge and other fees totaling {$38.00}. On XX/XX/XXXX I  spent several hours on the phone again trying to close this account. I spoke to at least 9 different representatives : an agent identified as # XXXX in the collection department who transferred me back to the main call center, an agent named XXXX # XXXX who transferred me to another customer service representative with a foreign accent, an agent with employee ID # XXXX who transferred me back to the main number, agent # XXXX in the collections department, account manager XXXX # XXXX, someone in technical support, someone named XXXX in the Maryland Office, someone named XXXX in a call center in XXXX and finally a customer account specialist XXXX in the customer service department. Despite all my efforts, I'm still not certain the account is closed. On my online statements it still appears open. 

One of the agents I spoke to admitted they had a record of my conversation in XXXX  where I indicated my intention to close the account, but apparently they didn't close it because we got disconnected during the phone call. When I asked to be transferred to her supervisor to investigate this, she said she couldn't hear me and hung up the phone. It is unacceptable clients are subjected to such shenanigans when they try to close their accounts. It is clear Citi is intentionally creating obstacles and delaying the process of closing accounts with the goal of charging late fees and interest. 

Stay away from Citi
Consumer complaint received 2020-05-21
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: EQUIFAX, INC. (TX)

print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXX   XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute ftc violation sent to everybody
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-05-28
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: Experian Information Solutions Inc. (CA)

I have tried for over the past two weeks to get Experian and XXXX  to correct an error of my credit report. I settled a debt with a collection agency. The collection agency sign a settlement agreement and sent documentation that explicitly stated the account has been paid in full and there is no balance due. The account is to be deleted from my Experian and XXXX  credit reports. Instead of these two agencies deleting the account from my credit profile, the balance was adjusted reflecting the settlement payment and leaving a remaining balance due. I have spoken repeatedly with representatives from both agencies and have not gotten any results. I do not understand why these agencies refuse to comply with the wishes of a creditor. The creditor has settled my account and approves deletion, yet the credit reporting agencies have refused to comply. This is very stressful and these agencies are not willing to assist in correcting this matter.
Consumer complaint received 2020-07-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (IA)

Contacted Fay Servicing in XXXX in an attempt to explore foreclosure alternatives. As of XX/XX/XXXX we had a short sale offer signed on the property and as of today they still have not approved or submitted our offer to the investor. They failed to hold foreclosure proceedings as we waited for them to submit the offer. All documentation requested has been provided day of. We have requested several times to postpone the sale due to another family attempting to buy the home and the services has been less than cooperative with us. As of today the foreclosure sale is set for next week with a full short sale package in their hands.
Consumer complaint received 2020-05-21
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: WELLS FARGO & COMPANY (FL)

When I lost my job in XXXX they offered me a payment arrangement but I would have to close my account and the minimum payment would be {$25.00} for 12 months with a lower interest rate. I set up auto pay with a bank account but I had a fraud issue so I closed the bank. I CHANGED THE ACCOUNT INFO. I opened a Wells Fargo bank account so the auto pay would come out directly. I explained to the XXXX XXXX XXXX On XXXX location and they reassured me it would all be set up. The bank did not set it up and I pay the {$25.00} AS AGREED and every month it is higher saying Im behind now putting it on my credit saying past due over 90 days! I have called and cant speak to this department because I now work Im an essential worker and the hours i get off they are closed. I called early XXXX AND XXXX and got transferred 5 times put on hold and disconnected. They sent letter finally but no resolution past XX/XX/XXXX. My credit is still messed up. Plus they put on my credit that grantor closed the account. I agreed to close the account I said I want to close it and go on this payment arrangement they make it look like Im not paying and they closed my account. Im going to close my bank account now. Im furious They make mistakes. Im lied too. The bank associate opened my bank account and says my certified checks are free. The first one I do they charge {$15.00}. The rep calls me he made a mistake about my address in my profile and my account will be closed if not fixed. I tell him the issue and he never corrects it. The credit card company and the bank both constantly make mistakes and dont fix them.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have reported to Experian that my XXXX is XX/XX/XXXX and not XX/XX/XXXX. I have not received any correspondence from them on my behalf. Additionally, they are reporting a collection account that is not mine. I have requested them to remove it after investigating it and they have failed to do so.
Consumer complaint received 2020-05-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, DPT ED/XXXX, XXXX XXXX, US DEP ED, USDOE/XXXX. 
Company 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
Consumer complaint received 2022-02-01
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. (SD)

I found out that the account i paid off is not being reflected as such on my credit report so i contacted XXXX credit management ( the company i paid ) and they said that the original creditor ( comenity bank is reporting the account incorrectly ) and that i need to contact them. the response i received from comenity bank is that i need to contact XXXX credit in which i have already done. I am just getting run around while no one is updating or fixing the issue to reflect that the account was paid and not a charge off or whatever incorrect status they have it sitting in. I am resubmitting this complaint with the document that shows the account was paid and nothing owed so it should reflect a paid status on my credit report
Consumer complaint received 2022-02-01
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. (SD)

I found out that the account i paid off is not being reflected as such on my credit report so i contacted XXXX XXXX XXXX ( the company i paid ) and they said that the original creditor ( XXXX XXXX is reporting the account incorrectly ) and that i need to contact them. the response i received from XXXX XXXX  is that i need to contact XXXX XXXX  in which i have already done. I am just getting run around while no one is updating or fixing the issue to reflect that the account was paid and not a charge off or whatever incorrect status they have it sitting in. I am resubmitting this complaint with the document that shows the account was paid and nothing owed so it should reflect a paid status on my credit report
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I, XXXX XXXX, NATURAL PERSON AND FEDERALLY PROTECTED CONSUMER, applied for a credit limit increase with Capital One. They denied me XXXX XX/XX/2021. This seems like unfair and deceptive practices.
Consumer complaint received 2020-05-29
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. (IL)

I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. NONE OF THE DISPUTED ITEMS WAS AUTHORIZED BY ME AND I HAVE NO IDEA AS TO HOW THEY GOT ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2022-02-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Lockhart, Morris & Montgomery Inc. (DE)

When I tried to work for XXXX XXXX as commercial driver, they discriminated against me when they assigned me about XXXX hours training. I complained about that especially I came to them as experienced driver while a new student from driving school gave him XXXX hours only. I talked to my recruiter about it and he didn't know why they gave me too many hours. I quit the same evening I was hired and had a friend of mine to pick me back home. Few months later, I got emails from XXXX XXXX asking either to work for them or I would have to pay for {$2300.00} for breaching the agreement with them. My answer was, I did not work one day with you and if you are willing to cut hours of training I can return back. Later on, they sent email asking me to forget about the previous communication. After about XXXX months I was surprised by collection service letter. I asked them not to damage my credit and that charge is not valid since i didn't work for their client one day. I even asked them to provide pay stub for one week and they went ahead to damage my credit. Account info Account name XXXX, XXXX & XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$2300.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$2300.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX They had us sign a contract without giving us time to read. Just XXXX and rushed us to just click next, next until the sign box. In that contract paragraph 3, It said after the date the driver was hired. I did not work one day with this company. They didn't even pay full amount of " orientation '' after being stuck in a motel room with another driver for over a week. Once they got sued in Tennessee by many drivers, they sent emails to the drivers they were harassing to pay them back {$2300.00} ( I didn't work for them, and they wanted to make money on someone looking for a job. Luckily, I didn't work one day for them. I know many drivers who just didn't pay them after being on the roads with trainers for weeks.