davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (CA)

Good Morning, I am filing a CFPB complaint against CitiBank. 

Around XX/XX/2021 ( plus/minus 2 days ), I applied for a CitiBank deposit account online. Upon completing the application, the webpage said that my application needed to be reviewed. 

The next day, I called CitiBank to get an update of the application status. The employee said that he saw the account was opened and then immediately closed by CitiBank. He then invited me to re-apply over the phone, which we did at that moment. Upon him finishing the application, he said that the account could not be open. He provided me with a new accounts servicing department phone number to get more information, which was closed at that moment ( it was the evening hours when I called ). 

I then called the new accounts servicing department a day or two later, and they said that they can not verbally tell me any information, aside that I would need to wait for a letter via XXXX that would be dated XX/XX/2021. 

On approximately XX/XX/XXXX, I received a letter in the mail from CitiBank, but it was a letter that did not provide me with any meaningful information regarding the issue at hand. ( see attachment image ). 

On XX/XX/XXXX, I called CitiBank again for more information, and was transferred around and spoke to 4 different people. When I got to the fourth person, they said the " system was down '' and they were unable to assist me. 

I believe that CitiBank has been acting inappropriately and in bad faith, as they have refused to provide timely information to me as they originally promised. I am seeking to get the information as to why the account was opened and then immediately closed. There is written evidence the account was opened in the attached letter that was dated XX/XX/XXXX ; note the last four digits of a debit card that is in the upper left corner.
Consumer complaint received 2021-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fairway Independent Mortgage Corporation (PA)

Fairway Mortgage sold my account to XXXX. During that transition, they failed to credit my account for my last months payment ( XX/XX/2021 ) and therefore never sent it to XXXX. I provided proof of payment and bank statement of payment.
Consumer complaint received 2021-04-12
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: DISCOVER BANK (IL)

I called Discover to alert them that someone is re-aging my account XXXX I personally have not made a payment on this account since XXXX when the account was closed for no reason and flagged as a security breach and threat to the company. They closed a perfectly good account with no explanation. For this reason I stopped paying and using the account in XXXX. The account was due to fall off my credit so I called Discover to find out when the derogatory account was going to fall off due to the 7 year statue of limitation. All of a sudden from XX/XX/XXXX to XX/XX/XXXX. ( TWENTY ONE UN ANSWERED PAYMENTS DONATED TO MY ACCOUNT OUT OF THE BLUE ). Re-aging the account til XX/XX/XXXX. This is down right dirty if I made the payments what card or bank did I use to make such payments There has to financial records to prove this if they got payments. This was intentionally done by DISCOVER because XXXX on earth knows that I did not make those payments it makes no sense when the account was closed by Discover in XXXX. 21 payments made by someone other than myself this is a shame. Who would make payments 120 days past due. I'm going to the FTC this is wrong dead wrong. 
I want proof of these payments because I'm the only one that would have made them.
Consumer complaint received 2021-08-28
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)

XXXX XXXX XXXX XXXX {$330.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$260.00} I filed and ftc report and spoke with the creditor and they refuse to remove it. XXXX, XXXX XXXX XXXX XXXX XXXX {$8000.00} I filed and ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$550.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$390.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$1500.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$56.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$720.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$910.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$1500.00} I filed an ftc report and spoke with the creditors and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$290.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX XXXX {$550.00} I filed an ftc report and spoke with the creditor and they refuse to remove it.
Consumer complaint received 2021-03-29
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. (CA)

THERE ARE 3 STUDENT LOANS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME I HAVE REACHED OUT TO EQUIFAX BUT HAVE RECEIEVED NOTHING BACK FROM THEM I NEED THESE OFF MY CREDIT ASAP Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (CO)

I received an unsolicited credit card from Comenity Bank. I didn't want the card so I never called to activate it. Several weeks later I received a statement from Comenity Bank showing I owed more than {$30.00} in streaming charges from somewhere in XXXX. For the record, I live in Colorado and haven't left the state in more than four years. I called the bank repeatedly to report fraud but was always connected to someone who didn't speak intelligible English. I also sent a letter and an email to the company but received no response. I finally got the account closed on XX/XX/2023, but the fraudulent charges were not removed. Now I have incurred late charges and the balance due is {$100.00}. Please help me get this resolved. I'm semi-retired and do not have the resources to pay for some strangers ' hotel XXXX ( if that's what it was ). 

Card number is XXXX
Consumer complaint received 2020-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a copy of my current account summary from XXXX and it clearly shows that this account is current. I have never missed a payment on this account and consequently the late that is reporting is in error. This false reporting of a late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-04-16
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-02-22
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion the " Company '' has failed over several years to protect my rights as a consumer by the following ; XXXX given me an alias based on inquires, the Company has given repeatedly given me the middle initial of " M '' or the name XXXX XXXX XXXX my deceased aunt ) ; even though for years I have by phone, mail and e-mail stated that ( 1 ) I have no middle name ; ( 2 ) XXXX XXXX is a separate identity and no my identity- as of today XX/XX/2022 both have been reapplied to my report. 

XXXX. TransUnion has place a disputed debt that that is more than 14 years old, it has been removed several times only to be placed back on my report. 

XXXX. TransUnion claims when making disputes, Consumer are ONLY allowed to place a disputes of ( XXXX ) XXXX disputes for 30 days and can not make several dispute when acquiring the FREE credit report. Otherwise Consumer are forced to join and even then an additional dispute can not be made until that single and XXXX dispute has been settled.
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MA)

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on 2014. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-12-09
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: Specialized Loan Servicing Holdings LLC (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have a loan with SPECIALIZED LOAN SERVICE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I tried contacting the XXXX and XXXX Credit Bureau and the SPECIALIZED LOAN SERVICE but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. Investigate properly and please update for 100 % accuracy. 
XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00},
Consumer complaint received 2022-07-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

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 XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

XXXX  Covid19 restrictions prevented us from making payments for 18 months. We are 34 years in our home. Have plenty of equity. Can resume making payments. The servicer SHELLPOINT MTG, likely received Federal assistance is denying XXXX  mortgagees a deferment during the 18 month period. They have repeatedly refused to allow us to resume making payments when XXXX Covid lockdowns/ protections have ended. 

Shellpoint repeatedly mislabeled our calls over the 18 months trying to deny we had asked for Covid19 protections due in XXXX. 

Shellpoint as servicer for XXXX XXXX XXXX XXXX  repeatedly engaged in aggressive collection tactics sending unannounced strangers to our home claiming to need to appraise our home. They had no appointment, offered no ID, shouted loudly they were sent by the bank so our neighbors would hear of distress, one in XXXX tried to discuss the matter asking in a speculative way what the situation was ... and today a third one found lurking in our yard, made claims he needed to enter our home. 

This is not the Covid19 protection XXXX  citizens deserve. It has been a nightmare. We also have a 2nd mortgage current as the 2nd mortgage servicer was a pleasure to deal with the whole while from beginning of Covid to now.

And employee working from home stated he has not seen any deferments given. 

This has already been shared with a XXXX and escalations in the corporate office of Shellpoint since XXXX when they refused to accept payments. 

They are trying to wear down and weaken the borrower so they can avoid deferrals of payments to the end of the loan. Their goal is to get a modification shortening the repayment term of the arrears, or foreclose. This will destroy the XXXX housing market if they are allowed to cause so many foreclosures. 

Shellpoint customers must be all offered a full resumption of payments.
Consumer complaint received 2021-10-28
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)

I am a victim of identity theft, I have had several other vehicles and credit accounts removed from my credit. XXXX is refusing to allow the removal of this fraudulent debt. 

The dispute for the account with XXXX XXXX XXXX XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 

I want to see what they are claiming is certified proof-
Consumer complaint received 2022-02-10
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. (IL)

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX Late Payment from XXXX XXXX XXXX  Late Payment from XXXX XXXX XXXX Late Payment from XXXX XXXX XXXX  XXXX Bankruptcy I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Consumer complaint received 2021-07-06
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. (NC)

After running a full credit report and noticing different variations of my names, addresses, phone numbers, etc. I wrote a letter to TransUnion on XXXX XX/XX/2021 requesting that my personal information be corrected. In the letter I explained my situation and listed all of the information and corrections that I wanted applied to my account. Also, asking that any previous personal information be removed from my TransUnion account that didn't match the information summited. Seeing that this information in the first full credit report that I ran was inaccurate. Included in my letter was two copies of my mailing address and two copies of my personal identification, one being a scanned copy of my social security card. On XXXX XX/XX/2021, I received a letter back from TransUnion with a full credit report with none of the information that I requested applied or removed. There were no changes made to my credit report from TransUnion and that is why I am making this complaints today.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I made written request to Experian to remove any credit or identity freezes from account over one month ago. They have not replied and the freeze is still active. I applied for a loan at XXXX through XXXX XXXX, the only thing holding me back is there request for my social security card because of a credit freeze that I told Experian to remove. The social security card I presented was the original I was issued after birth, and because it doesnt look like the new SS cards, I have wrongly been denied credit.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent in information as well as proof of address 2x to Transunion re : incorrect address on file. This has been going on since XX/XX/XXXX. This still has not been corrected.
Consumer complaint received 2021-07-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I disputed a fraudulent loan taken out in my name with a company called XXXX/XXXX. XXXX is the back that funded the loan for XXXX. After XXXX  investigated, they sent me a letter verifying that my claim was valid. 

The problem is the Bank that funded the loan is still being reported on my credit report. Experian claims that they contacted the Bank and the loan was valid, so the info would remain. I just got off the phone with the bank and they denied that Experian EVER contacted them, and further, they would possess NONE of my personal info. They do however fund XXXX  loans. Experian flat out lied about their investigation results about contacting the bank. I disputed both XXXX  and the XXXX XXXX  reporting. 

When I tried to CALL Experian mostly I got advertisements to join their premium membership and I would have a dedicated person to work through this for only $ XXXX/month. I have YET to speak to a live representative. I have uploaded the letter from XXXX  validating my claim to add as additional info on Experians so called dispute investigation with the Bank. 

It is clear they are not in the business of assisting consumers with fraudulent information and even make up false investigation results as they go. The bank claimed NO ONE at the bank at any level would have confirmed anything.