davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (AR)

I received promotional materials to open a new credit account with 0 % interest for 18 months with Citi Bank. I accepted the offer and new credit account was opened. Upon using the card I noticed that I was charged interest. I contacted Citi Bank who said that the promotional rate only applied to balance transfers and they refused to honor the introductory promotional APR of 0 % for 18months. They refused to issue a credit for the interest they charged contrary to their promise of 0 % APR for 18 months. This was not clear and amounts abusive and deceptive marketing practices.
Consumer complaint received 2022-09-20
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. (DE)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX DOB : XX/XX/XXXX SSN : XXXX After recently pulling my credit report from your Bureau XXXX I, in accompany with my attorney, instantly pointed out that I have been reported as 30 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for my credit card ( account # : XXXX ). 

I also see that according to the reports I was late 30 days in XX/XX/XXXX and XX/XX/XXXX for my auto loan ( account # : XXXX ). 


In accordance with the Fair Credit Reporting Act ( FCRA ), Account ( s ) # : ( XXXX ) AND ( 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 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : States a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose!!!

Haven't received a response from the Bureaus in over 14 days.
Consumer complaint received 2022-07-18
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2020-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

On XX/XX/XXXX, we provided information to what we suspected was a fraudulent company. 

We successfully froze our accounts with both XXXX  and XXXX. We also cancelled our credit card and put a notification on our bank account. 

We attempted to put a freeze on our Equifax account. We were informed they were closed and they requested we try again Monday. On Monday, XXXX, we called Equifax and XXXX told us the request could not be handled by phone. He refused to transfer us to a supervisor and hung up on me. 

We mailed the request. On XXXX, we received a letter with a verification code and attempted to log into my.equifax.com. 

On XX/XX/XXXX, XXXX assisted me for 40 minutes to try to log into my.equifax.com. After multiple attempts, I was informed that the system was down and was told to try back later. 

On XX/XX/XXXX, XXXX XXXX Employee # XXXX ) kept us on the line for 90 minutes and we repeatedly asked to speak to a supervisor which she repeatedly refused to do. XXXX, the agent said she would not transfer us to a supervisor due to legal policy not due to tech issues. She verified that the documentation she needed to transfer us would not have been able to be provided on the call. 

She provided us with 4 phone numbers : XXXX XXXX XXXX XXXX  ; Automated line ; Hot-line ; Fraud assistance. 

She said verification of identity ( SS #, Drivers licence ) must be received by mail before we could talk to a supervisor. We reset the password many times before requesting to speak to a supervisor.
Consumer complaint received 2023-01-09
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: CITIBANK, N.A. (CA)

Noticed an unfamiliar charge with XXXX on my account in the amount of {$70.00} then immediately filed an online dispute with Citibank through their mobile application ( charge was made XX/XX/XXXX, disputed XX/XX/XXXX ) Per Citibank 's status page, XXXX was contacted on XX/XX/XXXX and responded on XX/XX/XXXX. I just checked the status and it shows I'm responsible for the charge and now the case is now resolved ( as of XX/XX/XXXX ) Citibank states that a letter detailing my dispute resolution should be available within 24 hours but nothing is available. Please see screenshots. Thank you
Consumer complaint received 2024-09-06
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: EQUIFAX, INC. (PA)

A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report.
Consumer complaint received 2020-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I 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.
Consumer complaint received 2024-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CO)

Steps were taken with the previous mortgage lender ( Specialized Loan Services SLS ) to remove Private Mortgage Insurance from our loan. On XX/XX/XXXX, SLS issued a letter stating, The Loan to Value Ratio ( XXXX ) on your mortgage loan has met the requirements to have the PMI removed. Your PMI has terminated and you no longer have PMI. No further premiums, payments, or other fees will be payable in connection with PMI coverage. The loan was transferred in XXXX to Shellpoint ( a division of Newrez ). The XXXX  statement with Shellpoint ( XX/XX/XXXX ) correctly showed the PMI removed, however, the PMI disbursement was added back to the XXXX statements. Since XX/XX/XXXX, I have called Shellpoint XXXX  times and have spoken to many different people about the issue. I filed a complaint with a phone representative as well as an online complaint. I have spoken with a supervisor ( XXXX XXXX, employee ID XXXX ) on XX/XX/XXXX who stated she escalated my complaint to the PMI Department. I contacted Shellpoint again on XX/XX/XXXX and XX/XX/XXXX and spoke to representatives who could not understand my complaint. On XX/XX/XXXX, I sent an email to XXXX XXXX with no response. I have attached the last XXXX mortgage statements showing the PMI disbursement incorrectly listed as well as the PMI termination document from the previous lender ( SLS ).
Consumer complaint received 2022-09-20
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. (DE)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  DE XXXX DOB : XX/XX/XXXX SSN : XXXX After recently pulling my credit report from your Bureau XXXX I, in accompany with my attorney, instantly pointed out that I have been reported as 30 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for my credit card ( account # : XXXX ). 

I also see that according to the reports I was late 30 days in XX/XX/XXXX and XX/XX/XXXX for my auto loan ( account # : XXXX ). 


In accordance with the Fair Credit Reporting Act ( FCRA ), Account ( s ) # : ( XXXX  ) AND ( 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 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : States a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose!!! 

Haven't received a response from the Bureaus in over 14 days.
Consumer complaint received 2020-12-21
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: EQUIFAX, INC. (TX)

On XX/XX/2020 I sent out letters to Equifax regarding inaccurate and unknown inquiries on my credit report to this day over 60 days later I have not received a response I feel like I'm being taken advantage of and being ignored section 611 ( a ) it's plainly stated a failure to investigate within 30 days gives reason for immediate removal. FCRA USC 1681 ( b ) a consumer reporting agencies can only report with the written instruction of the consumer. No consent by definition is identity theft I was also impacted by the Equifax breach I'm afraid my information my have gotten into the wrong hands if items are not removed I will have to seek litigation
Consumer complaint received 2024-12-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC (TX)

I have not supplied proof under the doctrine of estopper by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX XXXX Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I opened a XXXX account in XXXX, one purchase was made but no payments were ever made. The account was closed and charged off. It was then sold to XXXX XXXX XXXX XX/XX/XXXX. I have attempted to contact XXXX XXXX XXXX XXXX via mail and phone through all identification available on credit reports and have received no contact back by mail and when I speak to someone on the phone they either can not pull my account up or are unable to give information and direct me to their mailing address. When I contacted XXXXXXXX XXXX  they responded that they had returned the debt back to the original creditor and any complaints should be handled directly with XXXX. There is incorrect information being reported and then validated with the credit bureaus and I want the report removed as it has now reached beyond the seven year window to be reported. I have disputed multiple times and this company continues to validate that the information is correct.
Consumer complaint received 2024-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I was reviewing my credit report and noticed an inquiry that do not belong to me. 

XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2020-12-21
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: Experian Information Solutions Inc. (NC)

THE ACCOUNTS LISTED DOES NOT BELONG TO ME. I DO NOT KNOW WHY OR HOW THESE ACCOUNTS ARE BEING REPORTED ON MY CREDIT. I HAVE NO KNOWLEDGE OF THE ACCOUNTS. I AM ASKING THAT YOU PLEASE INVESTIGATE THE ACCOUNTS SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2020-12-16
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: JPMORGAN CHASE & CO. (UT)

In XXXX of 2020, I had three fraudulent charges appear on my Chase United Visa. As soon as it appeared on my statement in XXXX, I contacted the company and reported the fraud, and asked them to replace my card with one with a new number. They replaced my card, and then took the charges off my card, and launched a fraud investigation. However, in XXXX, they put the charges back on my account, and claimed that these were legitimate charges. The merchant in question, who is apparently in XXXX XXXX, claimed to have a copy of the credit card in question, and proof of a signature from my son matching the signature on the back of the card. However, ( 1 ) my son ( who is XXXX ) has never been to XXXX XXXX, so could not have made these charges and produced his credit card ; ( 2 ) the signature on the charge slip is not my son 's signature ; and ( 3 ) all of our credit cards have " Request Photo Identification '' inscribed on the back of the card in place of a signature precisely to prevent fraud. Clearly, someone has spoofed the card and the signature in order to perpetuate this fraud, but despite my repeated explanations to Chase, they refuse to remove these fraudulent charges from my card.
Consumer complaint received 2020-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (WA)

I have been in contact with my credit card regarding my situation and being home as I am not an essential worker and my state being in stay home stay safe order. They are only allowing consumers 90 days with payment assistance. We have been in covid stay home order since XX/XX/2020. My card has been charged fees and is over the credit limit and being reported to the credit bureaus as delinquent.
Consumer complaint received 2020-12-21
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: Experian Information Solutions Inc. (CA)

On XX/XX/20 I sent Experian a letter to re investigate XXXX/XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX Auto # XXXX It is almost 30 days and havent received a response from Experian
Consumer complaint received 2021-03-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (FL)

On XXXX, 2020 my payment did not go through when it was on auto-bill. I reached out to the company and they said that they canceled my auto-bill payments in XXXX. I didnt receive any notification about canceled payments. When I tried to resolve this problem with the bank they did not resolve it. They never notified me about the auto-bill cancelation. After it they left a negative mark " late payment '' on my credit reports. And now I can not get a mortgage because of this mark on my credit reports and Ally Financial will not help me with this unfair situation.
Consumer complaint received 2022-09-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AL)

A person claiming to be XXXX XXXX called me and told me about their services of an personal investor. Ive sent {$2600.00} over the past month through XXXX with Wells Fargo. When I tried to get some withdrawn I was blocked.
Consumer complaint received 2024-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: First Credit Corporation (TN)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to report a fraudulent loan that was opened in both mine and my husbands names, XXXX and XXXX XXXX, by XXXX XXXX XXXX. The loan was opened on XX/XX/year> for over XXXX, without our consent or knowledge. 

The perpetrator made payments on this loan until XX/XX/year>, at which point the payments ceased. Despite our efforts to resolve the issue, we have been unable to obtain any loan documentation to verify its legitimacy. 

On XXXX separate occasions, my husband contacted XXXX XXXX XXXX and requested that they send us proof of the loan documents. Both times, the company assured us that the documents would be sent via certified mail within XXXX to XXXX business days. However, we have not received any documents on either occasion, and we remain unable to confirm the validity of this loan. 

Additionally, I have reported this fraud to all three credit bureaus for a second time last week in an effort to mitigate any further impact on our credit. 

We are requesting the CFPBs assistance in investigating this matter, ensuring that XXXX XXXX XXXX provides the requested loan documentation, and that this fraudulent account is properly addressed. 

Thank you for your attention to this matter. 

Sincerely, XXXX and XXXX XXXX
Consumer complaint received 2022-07-18
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: Convergent Resources, Inc. (PA)

In accordance with a Fair credit reporting act [ XXXX ACCOUNT # XXXX has violated my rights. 
[ CONVERGENT OUTSOURCING ACCOUNT # XXXX has violated my rights. 
[ CONVERGENT OUTSOURCING ACCOUNT # XXXX has violated my rights. 
Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-12-21
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: Experian Information Solutions Inc. (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per Experian. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per Experian. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per Experian. 
On XX/XX/2020, EXPERIAN BUSINESS CRED add a hard inquiry on my credit report per Experian. 
On XX/XX/2020, US SM BUS ADMIN ODA add a hard inquiry on my credit report per Experian. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-12-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CT)

Mortgage Servicer : Select Portfolio Servicing XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX UT, XXXX Earlier this year, we asked for forbearance. The terms of the forbearance were not explained well, but we accepted the help and delayed payment of our mortgage by TWO MORTGAGE PAYMENTS ONLY. We decided that we could then resume payments with the unemployment insurance money. 

Our mortgage payment went up by about XXXX XXXX dollars per month. 

My husband still does not have full time employment. Our account is still in good standing. One month ago, my husband applied for forbearance again. Legally, this is allowed under the CARES act, but my husband has been asked for extraordinary amounts of information and has spoken to several people at the servicer. 

They have notified my husband that my credit ( I am not listed on the mortgage ) may be adversely affected by asking for help from them. 

Each time my husband calls, he speaks to someone who has no idea what is happening with our account, and tells him that there ARE NO NOTATIONS OF applying for forbearance on the account. Twice, two representatives have told him to remit payment, and then when he calls back, different representatives say that he should not pay. We received a notice that the information on our application was incomplete, but an additional representative directed my husband to ignore the notice. 

Two weeks ago, we were told that information on our application, notices and important messages would be communicated to us through our online portal, but we have received ZERO messages there, even though we have received phone calls from them. 

Last week ( today is XX/XX/XXXX ) have even been told on the phone by a representative that we " can not trust the emails that we receive from them '' and that it is our responsibility to keep contacting them to make sure the process is going forward. 

Immediately after that, we called back and a representative named XXXX said that person was completely wrong, we should wait to pay and everything is proceeding as it should. 

We got a phone call today XX/XX/XXXX from them. We do not know what it was about. They did not leave a message. When we called back, they said that they did not know what the phone call was about -- they did not have a record of the call. 

We restructured our mortgage in XXXX through the HARP program and have never had a late payment ( we were in good standing when we restructured as well ), but we have since been informed that our mortgage is NO LONGER a federally backed mortgage. I'm not sure how this happened.
Consumer complaint received 2020-12-21
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: Experian Information Solutions Inc. (NC)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT