davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've sent several letters over the last 60 days and have not got a response to any of my disputes letters from each of the credit bureaus. Per FCRA they have 30 days to respond to disputes and did not respond at all as you can see the laws here : According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Consumer complaint received 2021-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/21 I received an alert from XXXX XXXX asking if applied for a credit card at a particular bank. The card was approved for {$16000.00}. I called the bank and had them to close the account. I also froze my accounts at all three reporting agencies.
Consumer complaint received 2021-11-22
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: EQUIFAX, INC. (NC)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2021-11-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (MI)

I never heard of these places on my credit report I'm victim of fraud!!!!!!!!! Ive never applied for anything in my life and far as medical bill Im on government side I really need help people are using my name so much I can't prove my own self .....
Consumer complaint received 2021-11-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (GA)

Citi bank sent me an order of checks to pay a large bill- when I paid the bill with the check that citi bank sent me the decline to pay it stating that my account does not offer checks- but citi bank sent me the checks and charged my account to order the checks- now my bill that i paid with the citi bank check has gone into collections with a XXXX dollar fee and has placed a hold on my credit check writing abilities- citi bank sent me the check charged my account for the checks- but then rejected the check- I HAD MORE THAN ENOUGH TO COVER THE CHECK BUT CITI BANK WOULD NOT HONOR THEIR OWN CHECK
Consumer complaint received 2021-09-09
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. (FL)

The information listed in my credit report is not accurate and incorrect. I recently called XXXX XXXX  and confirmed that the reported information is incorrect. Please remove the negative XXXX XXXX  credit card information from my account or I will be suing you.
Consumer complaint received 2021-09-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

In addition to my previous complaint filed XX/XX/XXXX. I have received response simply untrue. 

I had this account since XXXX, there was never an auto pay feature, even if its added recently to the website, this should not be an excuse of what happened prior. This was confirmed by multiple agents of yours over the phone, please check those call records. 

I logged in the account today and also realized all my secure messages were deleted. I have had multiple communication regarding payment issues and uploaded proof of payment scheduled by my bank. Why are they deleted? I saved a few and will upload.
Consumer complaint received 2021-06-27
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: Experian Information Solutions Inc. (FL)

Why submit when the same incorrect information repeatedly shows on my report and this company boldly returns the complaint as a duplicate. Of course it is they never corrected the myrids of disputes or complaint reports previously submitted correctly. Report number XXXX just received and still wrong- notuing ever completed- they just go through the motions.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2021-09-09
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. (NJ)

My fraud and identity theft issue first began on XX/XX/2021 on which date my XXXX e-mail account and XXXX XXXX XXXX account were both hacked and compromised. I immediately changed my XXXX e-mail account password and regained control of that account. I reported my XXXX account as hacked and compromised but still am unable to obtain access into that account as there is a 2-step verification ( 2-factor authentication ) code generator which was activated by the hacker. 

I received an e-mail alert from XXXX XXXX on XX/XX/2021 that a hard credit inquiry for a home mortgage loan was placed on my credit reports for XXXX, TransUnion, and XXXX. The lender appearing on each of my credit reports as making the inquiry is XXXX XXXX XXXX. I immediately contacted XXXX and was informed that they did not have any records of a home mortgage loan or credit card applications in my name or social security number. Therefore, XXXX further advised that there no records of them checking or inquiring into my credit. 

I then contacted each of the 3 credit bureaus and filed disputes for the inquiry and also placed credit file locks, security freezes, and fraud alerts on my credit accounts. The inquiry dispute has already been resolved with XXXX as they deleted and removed the inquiry on my credit report. The disputes with TransUnion and XXXX are still open and remain pending at this time as the hard inquiry still appears on my credit reports with them. 

I also filed complaints with the Social Security Administration - Office of Inspector General, the Internet Crime Complaint Center, the Federal Trade Commission ( IdentityTheft.gov ), and my local police department ( XXXX, NJ ).
Consumer complaint received 2021-06-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-09-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

This is related to a major loss to my property in XX/XX/2019 -- a very large tree fell on my house in abnormally high winds. The insurance cut a check to me and my mortgage holder as soon as I had a repair estimate ( XXXX XXXX ). It was for approximately {$220000.00}. Subsequently with additional findings of substandard foundation and other code requirements, the amount was increased to $ XXXX. 

I have had unbelievable difficulties getting Rushmore to release funds to my contractor to pay for work that is already complete. The contractor is currently out of pocket {$100000.00} and we have passed an inspection showing 85 % complete but the contactor has only been paid 56 %. It should be very straightforward to release the remainder due. And yet I can't get Rushmore to release a check. And I can't get beyond a very limited scripted brick wall customer service of the available agents. The contractor won't come back to the job until he's paid. So, for the THIRD time on this round only, I am to wait for two days for Rushmore to call me back.

For every payment Rushmore has provided on this loss, my contractor has had to wait more than a month -- the inspections come in with completions but it takes multiple calls for Rushmore to release money and I don't think we've received even one payment within one month.

The contactor I selected does insurance work only. He has worked with multiple banks and this he says is the worst experience he's had.

They have probably delayed my job a cumulative of 6 months at this point by mistakes, multiple calls with no results, no customer service, unkept promises, supervisors who are supposed to call but never do ; agents with limited knowledge and very small scripts. They are ruining my life. I may not be able to afford this house that I've owned for twenty years when it is done, because it's been almost two years and my insurance limits have been reached on replacement living costs, so I am losing money. But no recourse at Rushmore.

If I was making late payments to them, they would charge me exorbitant late fees, but what recourse do I have when they don't release money that is not theirs!! AS far as I am concerned, they are stealing from me!
Consumer complaint received 2021-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Bread Financial Holdings, Inc. (NY)

I applied for a credit card in the summer of XXXX. I was denied a credit card by Comenity Capital Bank. On XX/XX/XXXX, my attorney wrote a letter to the bank requesting a copy of my entitled credit report and the bank did not give me a copy of my credit report it used to deny me a card
Consumer complaint received 2021-09-07
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: EQUIFAX, INC. (TX)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX  on my life.
Consumer complaint received 2024-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Continental Finance Company, LLC (IL)

I received an alert on my credit report in regards to a new account I never opened in which I hadn't. I've never applied for or accepted an offer with XXXX XXXX XXXX XXXX  and I would like them removed off my credit report. XXXX XXXX XXXX XXXX  is in violation of the law and should be reported to the FDIC as their violating consumer and credit laws. I'm asking for XXXX XXXX XXXX XXXX to provide a contract that shows that I have provided an application or have accepted an offer from them as I have not. I won't them deleted off my credit report. 

I've disputed this information with the credit bureaus and I've asked the company cor a cease and desist and they keep contacting me which lawis a violation of the. 

According to 15 USC 16 96 G I'm entitled to a history of payments paid by me as the keep stating I gave an account with their company as I have never never done any business with this company. 

I would also like to see my signature on this account guaranteeing I would pay this creditor. 

I'm asking has there been any insurance claim found on this debt. 

I want proof on a change of title that you can collect on this debt. 

Continental Financie is stating I owe them a debt and I have received a welcome letter they received on a previous complaint. Continental Finance didn't have my email and this is notification of a cease and desist. 

On a previous complaint they stated they sent a welcome letter which was terms and conditions of whatever fraudulently product the have on my credit report that needs deleted. 

I've never done business with this company and if they continue to report on my credit report they are in violation of the law and I'm entitled to {$1000.00} per violation. 

Continental Finance needs to delete delete any and all information that is related to them and if they refuse I will use all laws applicable to me and sue. 

The documentation I've uploaded came from Continental Finance in which they state is a welcome letter in which it is not.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2021-09-07
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (SC)

I was sent an email sent by XXXX saying an unauthorized payment was made to my account I received call from someone who purported was from XXXX. They asked me if I had purchased an XXXX  and I said no. They said they would help me set up new password in system. They tooK.me through various steps " to set up a new account '' .They took me to a page that said " Cryptocurrency '' and gave me a long statement how this is what XXXX uses. I declined and hung up. Immediately, XXXX was transferred out of my account using XXXX to an a XXXX account registered to " XXXX XXXX '' XXXX account. BB & T is now saying the payment was authorized and they will not reimburse me. I have never opened nor used my XXXX account!!
Consumer complaint received 2021-09-07
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. (NC)

This information reporting on my credit profile is inaccurate and I would like you to validate that it belongs to me per the accounts below. 

TRANSUNION : XXXX XXXX Original creditor : XXXX XXXX  {$800.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account XXXX XXXX Original creditor : XXXX XXXX XXXX {$520.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % Balance on XX/XX/XXXX Original balance {$520.00} XXXX : XXXX XXXX XXXX Original creditor : XXXX  {$520.00} Balance updated Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on Original balance {$520.00} XXXX : XXXX XXXX Original creditor : XXXX XXXX 
{$520.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$520.00}
Consumer complaint received 2023-06-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Today [ XX/XX/XXXX ] I ran MyFico report for all 3 credit bureaus. XXXX stated Excellent credit. Experian Good, XXXX has put negative credit on my report as of XX/XX/XXXX. On XX/XX/XXXX I ran MyFico report with Experian with score above XXXX, today score is down XXXX points to mid XXXX 's. Big red Flag!! I reached out to Experian XXXX  - credit monitoring which was given for settlement with a data breach with XXXX. No red flag showing up on Experian XXXX XXXX but it did on my Experian credit report. I spoke with XXXX at Experian. While looking at the report there where two reports for the same card. One positive and one negative. The negative report appeared on my report after XX/XX/XXXX. The credit report show the previous opportunity was paid in full in XXXX XXXX. There has been no activity on my card, nor have I canceled the card. XXXX has listed up and till XX/XX/XXXX " OK ''. Now for XX/XX/XXXX on one report showing " XXXX  '' and account closed with one month pasted due. I have not used the card since XXXX XXXX. How can it be past due, when it was paid in full in XXXX XXXX, and listed on all 3 credit bureas as " OK '' since that time? XXXX and his supervisors that he spoke to several times over the 1 hour 15 minute phone call could not explain the two reports on their file. I then contact XXXX and they didn't provide any asisstance. I asked to speak to supervisor and was told know. I then called XXXX XXXX Credit card and told to call XXXX again, then asked for a Supervisor and got the run around, so I hung up. I have records showing the card was paid off in full and okay since that time. This negative report just appeared on my Experian line of credit. This not acceptable. Per the rules : '' If the credit reporting company violates the FCRA, they can be held liable for actual damages and attorney fees. In the case of a willful failure to comply with FCRA requirements, the company can be liable for actual or statutory damages and punitive damages ''. I learned this today ; " An individual has several options available to fight the reinsertion of a negative trade line such as : Request a new investigation with the credit reporting agencies. 
Add a consumer statement to his or her credit report. 
File a lawsuit against the creditor committing the reinsertion ''. 

I want to know why XXXX, claims I am one month past due, when this was settled by the records I have in XXXX XXXX and reported to all 3 credit bureaus? I have the records from the 3 credit bureaus showing this account has been okay up to and through XX/XX/XXXX. I haven't used the card since XXXX or canceled the card. The company once again has not mailed me or emailed anything, except flyers to purchase items from their store. XXXX have violated the FRCA ruling and are commiting Fraud!!
Consumer complaint received 2021-09-07
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)

I am contacting you because XXXX, Transunion, and XXXX have violated my consumer rights for a fair and timely investigation into items being reported on my consumer credit report. I submitted a dispute letter to XXXX, Transunion, and XXXX regarding fraudulent information on my credit report. It has been almost150 days, I have not received any information about this investigation, and these fraudulent items remain on my report. It seems as if these companies deliberately have discarded my letters. I have experienced much mental distress as a result of their continuous false reporting on my profile. I have been denied employment, housing, auto, and several other opportunities as a result of their neglect in conducting a proper investigation into my dispute.