davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (OR)

I opened a Citibank card in XXXX the beginning credit limit was XXXX. My balance was around XXXX and they decreased my credit limit, stating that there was an issue with my credit report. I have no derogatory credit. in fact, during this time, I paid off a XXXX balance on a Home Depot Card through Citibank. Today I get another notice of a decrease in my credit limit. My balance is now less than XXXX, and I haven't used the card, and all my payment are timely. I usually make a double payment. By Citibank just arbitrarily lowering my credit limit, they adversely affect my credit score and I think it's wrong to keep doing this to me. 
This is not how to treat people that do business in good faith. Ironically, I currently have a Home Depot card with a XXXX balance. Recently paid off. Citibank cares very little about their customers, by adversely affecting credit for no reason.
Consumer complaint received 2021-11-03
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. (OH)

I applied for the loan but never received a full discloser on the full contract. I tried to lawfully discharge the alleged debt but XXXX XXXX XXXX XXXX XXXX could not provide me with my original negotiable instrument or tell me where it is located. I asked them to either stop reporting I owe them or provide with the original contact they responded XXXXbut not with my lawful remedy. They plan on starting my monthly payments and I will sue for abusive debt collections ( 15 USC 1692 ) if they do not stop reporting to the three credit bureaus.
Consumer complaint received 2021-11-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Unifin Inc. (OR)

On XX/XX/XXXX I received 7 consecutive missed calls from XXXX. They did not leave a voicemail. Today XX/XX/XXXX I received 7 additional calls without any voicemails. I called the number back inquiring about what the issue was as I was feeling harassed. They informed me they were sorry for not leaving a voicemail and stated they were from Unifin. I disconnected the call before gathering anymore information in fear my identity may have been compromised. I looked up the business and noticed they were indeed a collections agency. So I called back and verified my identity by confirming my name so I could get more information on only the business itself, not the collection matter. XXXX answered and I told him I wanted more information because I wanted to report this to the CFPB as I was feeling harassed. He said " thats fine, you can do whatever you want '' and hung up the phone. I called back and another lady answered. I again confirmed my name and last 4 of social and said I wanted to speak with a supervisor. She continued to talk about the attempt to collect a debt to which I stated numerous time I wanted to speak with a supervisor. Finally she said ok and I was on hold for more than 5 minutes. I hung up as I felt this was going no where.
Consumer complaint received 2021-11-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (PA)

Approx. 2 years ago give or take. Opened PayPal Account. have been trying ever since to get my money back that was deposited. The amount deposited was {$980.00}. Have tried on several occasions to resolve with nothing happening. Every time I have called Paypal, get the same run around. They keep asking questions like old phone numbers, old email address and none of that information is no longer valid or accessible. have had to get new phone, new number, new email address, everything. Talked to them today, and same old run around. Basically was told Oh well, nothing we can do without old information. So its basically they get to keep my money which doesnt belong to them. I'm angry, frustrated and just want this resolved and I can get my funds returned to me
Consumer complaint received 2021-11-03
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. (MD)

On XX/XX/2021 I sent a letter of dispute concerning a derogator item in their file listed under my social security number specifically, Experian Case No. XXXX, Chapter XXXX Bankruptcy On XX/XX/2021 Experian sent me a response " validating '' the account after an investigation stating that they " may '' have received this information from a third party vendor : XXXX XXXX  along with the information need for me to as them to investigate these results further. 

On XXXX XXXX I filed a dispute with XXXX XXXX concerning the accuracy and compliance of the reporting of bankruptcy. 

On XX/XX/2021 XXXX XXXX  informed me that they deleted that item on account of my dispute and that after investigating the item under dispute they were unable to verify the accuracy of the account under the timeframe outlined by the fair credit reporting act ( FCRA ) On XX/XX/2021 I asked Experian to delete the account on the basis that their third party vendor Lexis Nexus deleted the account as something they could not verify under the FCRA and they, they ( Experian ) should do the same attaching related correspondence. 

On XX/XX/2021 and XX/XX/2021 Experian continues to report this item erroneously, stating they they verified the information. 

This causes me to believe they are not investigating the dispute as outlined by the FCRA or are simply ignoring the FCRA, my dispute letters and the results of the investigation of their 3rd party vender, XXXX XXXX,
Consumer complaint received 2021-11-03
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. (RI)

I received a notification that my accounts in experian boost had been deleted and to reassociate with my XXXX  XXXX XXXX account on the experian website to resolve. This association syncs my utilities, etc. to show my positive history of payments which have been paid from this account for 15+ years. 

I reconnected my bank to boost ( not sure why it was disassociated ) and received confirmation from both the bank and experian that the association was restored. After giving it a week to rediscover the utilities history, it never displayed, so I called the support number and spoke to a rep who had me clear browser history for some reason and go through re-association again. I did, and this made no difference. 
I can no longer reach any live support in the XXXX available range, and the phone numbers etc bring you to menu 's that never connect to any type of live support. 

I did receive a notification of a drop of XXXX points on my fico score since the accounts are no longer showing, although only positive changes have occurred in my credit situation. I would like to speak with a live person who can actually fix this issue since there is no reason this should no longer be reporting.
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2021-11-03
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. (OH)

My FTC Identity Theft Report is attached because I, XXXX XXXX XXXX, was a victim of identity theft. I have given my complete approval to this notification and its implementation. My identity theft affidavit was also mailed to all relevant credit reporting agencies. I have never provided my written consent or endorsed anything, identity theft happens, and I have a right to privacy XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-03
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)

I, XXXX XXXX have received a hard inquiry after applying for a car lease with XXXX XXXX on XX/XX/2021. I am a victim of identity theft and did not give permission for these assumed credit reporting agencies to have access to my information. Under 15 U.S. Code 1681n, " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' Please have this inquiry removed from my credit report.
Consumer complaint received 2021-11-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

Description : Mortgage closed with XXXX XXXX in XX/XX/2020 then was sold to Lakeview/XXXX. I have an FHA ( principle, interest, taxes, insurance escrowed ). Lakeview/XXXX has failed to pay my homeowners insurance on time causing them to send me a letter of cancellation. The letter does give me the option to pay out of pocket to keep the policy from canceling however I have paid out of pocket w/in my mortgage payment each and every month with the funds sitting in an escrow account. Lakeview/XXXX was instructed last week by goosehead insurance. ( see letter attached )
Consumer complaint received 2021-11-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (UT)

On XX/XX/XXXX I received a letter from Credit Corps Solutions , Inc., XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX, phone # XXXX, claiming that they now owned a debt I had supposedly incurred for {$390.00} with XXXX. A XXXX representative has assured me that this is not so. I have mailed the letter suggested by CFPB to these folks disputing the debt ( thank you so much, CFPB ), but am in addition submitting this complaint in the hope that others can learn from my experience should they receive a letter such as the one I received. ( It was actually a pretty poor attempt on this outfit 's part, since if they actually had obtained rights to collect this nonexistent debt from someone, they would not have badly misspelled my name on the letter to me ; but there was enough correct in it to show that I was the intended recipient ).
Consumer complaint received 2022-02-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I am filing a complaint with all 3 credit bureaus ( Experian, XXXX, XXXX ). The current companies are not complying with their own policies in a timely matter. I have reached out to them in regard to unauthorized inquiries on my account and it has been more than 30 days and i have not had any updates.
Consumer complaint received 2021-11-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions. (GA)

After receiving this paper bill through the mail, I called my dental office to verify. My dental office said I was all paid up and had a XXXX balance. The office XXXX confirmed that the bill was fraudulent, which is why I decided not to contact them but report them instead.
Consumer complaint received 2023-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to express my deep disappointment and frustration with the ongoing dispute regarding these negative items that are inaccurately listed on my credit report. Despite my repeated efforts and communication with your company these erroneous entries continue to affect my credit score adversely. 

-- -- -TransUnion XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-23
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: Experian Information Solutions Inc. (PA)

Today ( XXXX ), I just reviewed my Consumer report from Experian and I have noticed that two accounts that I have disputed in the past several times are still reporting Incomplete and missing vital information. Consumer Reporting Agencies have assumed a crucial role in handling and reporting Consumer Information to the best of their abilities so that all information that is being reported is Complete and Accurate.

I have enclosed a copy of my recent Experian Consumer report # XXXX, and circled all of the Incomplete/missing information. As you can see, The vital information that should be on my consumer report is indeed incomplete. 

XXXX XXXX XXXXXXXX XXXX Payment History from XXXX XXXX XX/XX/2018 Solution- Delete Account for reporting Incomplete information on a Consumer Report. 

XXXX XXXX XXXX XXXX XXXXXXXX Problem-Missing payment History for XXXX XXXX XXXX  Solution-Delete Account for reporting Incomplete Information on a Consumer Report Please investigate and Delete these accounts. If i am remiss then please provide me proof with billing statements showing the Complete payment history. If proof can not be provided, then I demand these Accounts be removed immediately from my Consumer Report.

Thank You.
Consumer complaint received 2021-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TN)

LoanCare , LLC services our mortgage. They have been notified twice by phone about a mortgage payment mailed via Certified Mail that has been sitting at the post office since XX/XX/2021 at XXXX XXXX  and is ready for pickup. 

During a second call to their Customer Service the person I talked with took the tracking number from me to follow up. 

This is the second consecutive time this has happened. They are refusing to pick up the Certified Letter containing our mortgage payment. 

We will be marked as late on XX/XX/2021 which will have a negative impact on our credit histories and scores. 

The Certified Letter will be returned on XX/XX/2021 if not picked up before that date.
Consumer complaint received 2021-12-08
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. (MI)

On XX/XX/XXXX I contacted Transunion regarding the billing error on my account with XXXX XXXX, XXXX XXXX credit card, XXXX XXXX XXXX, XXXX XXXX and XXXX. Pursuant to 15 usc 1666a ( a ) collection activity includes furnishing any information on this subject matter to any consumer reports there should be no publication or advertising of any kind until the dispute is resolved. Pursuant to 15 usc 1692 I invoked my remedy to cease all communication and collection activity on this alleged account. Transunion continues to furnish this innacurate alleged information. I also stated that I so do believe I am a victim of aggravated identity theft under title 18 us code 1028a on multiple occasions XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX and XXXX has knowingly used without lawful authority a means of my identification in order to compromise my financial reputation. I also demanded a certified copy of the ORIGINAL certificate of indebtedness in order to verify XXXX, XXXX, XXXX, XXXX  XXXX and XXXX XXXX  is in fact the holder in due course there is in fact a proof of claim of this debt. Without this I can not verify and there can not be any valid claims of alleged debts in the name of my principal obligor. On XX/XX/XXXX I called Transunion to resolve the matter of innacurate information reporting and to let them know the above accounts were In billing error notice, I was hung up on by an agent which is defined as abusive practices pursuant to 15 usc 1692. The supervisor also explained to me that they would continue to furnish this information due to their protocol. When I explained to her that this was against the law according to 15 usc 1681b she ignored me and stated it would continue to report. This has caused me great stress due to my credit being damaged due to their negligence.
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2021-11-03
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. (IL)

This investigation has been a on going matter. XXXX, XXXX and Equifax sent me a credit report XX/XX/2021 stated XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX has add a derogatory mark on my credit report per XXXX XXXX Upon further research this account, Upon further research, this account was transferred/sold and i am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also there was no written form of communication, contact or written signature this does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX, XXXX and Equifax has violated my rights as a consumer and im requesting legal action to remove this account immediately. please provide
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (OH)

Original complaint XXXX I applied for a credit card with Chase on XX/XX/XXXX. Several times they have claimed to still be working on it. The last was XX/XX/XXXX when one again they claimed to be working on it. I want the application for the card cancelled. This is ridiculous!! I have had many home loans in the past all completed in weeks from the application to closing. I am also researching legal options as I believe there is something very inept going on here. 60+ days is more than enough time for a simple yes or no.
Consumer complaint received 2021-11-03
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I submitted a dispute via XXXX and received a letter back on XX/XX/2021, in addition I had submitted the notarized affidavit regarding the Identity Theft and per letter received, The documentation provided is not signed by law enforcement officer, as a result it will remain on XXXX per the signature page, As applicable, sign and date IN the presence of a law enforcement officer, a notary OR a witness I signed in presence of notary.
Consumer complaint received 2021-10-10
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. (IL)

I filed a dispute for 4 accounts that were not correct on my credit report. The dispute stated that the accounts were verified so I asked for a method of verification. Instead of providing me with a method of verification, they opened another dispute which resulted in the same conclusion.
Consumer complaint received 2021-11-03
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. (FL)

Based on the Consumer Protection Subchapter III - Credit Reporting Agencies Sec. 1681a - Definitions of Rules and Construction. Upon further review of the law, ( 2 ) Exclusions ( A ) ( i ) a " consumer report '' does not include any information solely as to transactions or experiences between the consumer and the person making the report. As a result, my rights have been violated under the Fair Credit Reporting Act. 

At this time, XXXX, TransUnion, and XXXX are reporting transactions and experiences that are in direct violation of the aforementioned law.
Consumer complaint received 2021-11-03
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. (TX)

I have contact Equifax multiple times with certified mailing regarding this matter. I have submitted documentation on why these accounts needed to be investigated and deleted from my consumer report. They have failed to removed these items even after they have mailed me a report stating the items would be deleted.