davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-02
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: AMERICAN HONDA FINANCE CORP (MD)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-07
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. (TX)

I have sent multiple letters to the credit bureau regarding the identity theft and fraudulent items on my credit report I have also sent FTC report as well as a police report and a identity theft affidavit signed and notarized I have yet to receive any results from the Bureau. I sent these item XX/XX/21.
Consumer complaint received 2022-09-12
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: Credence Resource Management, LLC (DE)

XXXX XXXX XXXX  keeps using my XXXX Credit report to try to use new collection agencies ( Credence Resource Mana @ XXXX XXXX XXXX XXXX XXXX XXXX, Texas to now try to say that I owe {$610.00} to XXXX XXXX XXXX. Number 1, XXXX & XXXX was removed Before with BOGUS collection agencies to try to scam both my husband and Myself and they were Unsuccessful. XXXX XXXX XXXX caused my credit score to drop XXXX points this time ( I have a string feeling it's for the Auto insurance industry to try to get my Premium up which it's not happening, they never like it when you keep doing great!!! ) So, I want you to Have Credence Resource Mana to Remove this Bogus Account immediately from my Credit Report!!!
Consumer complaint received 2022-09-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (NC)

I Reserved from CAPITAL ACCOUNTS on XX/XX/2018 Bill from theme it says I was having medical treatment from atrium that was before XXXX start within a few months I remember I have my son he was treated at XXXXm but we also has XXXX CAPITAL ACCOUNTS XXXX XXXX {$970.00}
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent. 2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical
or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements.

3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action.

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-12-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NE)

Hello My citi bank regular checking account ending in XXXX and my accelerate savings account have been closed since XX/XX/year> and I was told directly by citi bank XXXXu mail that I would receive my funds that were left on my closed checking account by mail via check within 60 days of my account closure. The letter I received from citi bank stated my account was closed XX/XX/year> and within sixty days from the letter I got they would mail me a check for the amount of funds that were left on my closed checking account. It is now XX/XX/year>. It has been almost 90 days which is way over 60 days since my account was closed and I still havent received a check in the mail from Citibank for the funds I had left that were mine on the closed checking account. I filed a complaint with cfpb in XXXX of this year for the same exact issue and Citi bank responded with a letter saying that any funds left on the closed account will be mailed out to my address on file within 60 days from the account closure letter they sent to me. the claim was then closed after citi bank responded and I waited over sixty days and my check was never mailed out to me. I believe I had around {$140.00} - {$180.00} still left on my account when it was closed by citi bank on XX/XX/XXXX, It has been so long I forgot. I am filing this complaint again because I want citi bank to mail me my check like they said they would for the funds that were left on my closed Citi regular checking account. They promised they would mail me a check with my funds within 60 days and they didnt! I want my money that belongs to me! Ive been waiting patiently for almost 3 months and my check was never mailed to me!
Consumer complaint received 2024-12-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: FIRST NATIONAL BANK OF OMAHA (CA)

The First National Bank of Omaha has discriminated against my application for an extension of credit. The adverse action given to me is a violation of the Consumer Credit Protection Act 15 USC 1691b. I have sent a letter regarding my right to have credit extended to me pursuant 15 USC 1691 ( a ).
Consumer complaint received 2022-04-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Admin Recovery, LLC (IL)

Admin Recovery has been contacting me numerous times on a daily basis. If I do not get the chance to answer the phone call, and I transfer it to voicemail, they will call back again. If I do that again, they will call again. They have contacted my sister, brother-in-law, father, mother, business partners ( coworkers ), mother-in-law, and wife. They continuously still contact them even though my family members have stated they do not wish to be involved. They have left me voicemails stating they know I am the vice president of sales for XXXX XXXX XXXX and they need me to voluntarily resolve this debt willingly. They have left voicemails that legal actions will be taken if not resolved. XXXX they contacted me 3 times from a number, and once from a unknown number. XX/XX/31 called me 5 times, 4 being an unknown number. XXXX called me 4 times. XXXX called me 5 times. XXXX called me 3 times from unknown number. I have copies of all the voicemails as well.
Consumer complaint received 2020-12-22
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: EQUIFAX, INC. (AL)

I sent letter certified to both Equifax and XXXX over 45 days ago regarding inaccurate accounts that are reporting that XXXX has already removed due to not being able to properly verify these account. I was under the impression that all reporting must be accurate as this is not the case. This is causing me more stress in my life and I would like to this matter to be resolved and not just an update that they are still working on it. According to the FCRA if inaccurate unverfiable information is not completed within 30days of receipt of the letter it must me removed. I have tracking information showing they have received my letter Equifax tracking # XXXX and XXXX  tracking # XXXX I thought you guys assist in protecting the consumers because its past 45 days and I should not have to deal with something reporting inaccurately that is no fault of my own. How is it that XXXX  was able to get this done and these two bureaus are not where is the accountability
Consumer complaint received 2022-04-08
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-02-05
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. (LA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately. 

1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate. 
XXXX XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account XXXX : XXXX This Account is inaccurate and seeking litigation please delete it once 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate 11 XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (TX)

On XX/XX/2022 I have booked a hotel stay at XXXX XXXX in XXXX XXXX TX. 

I used my Apple Card to book it and the day before I checked in at XXXX XXXX, I got charged amounting {$190.00} from a hotel I dont recognized named XXXX  XXXX. I didnt disputed this anyway thinking this could be XXXX XXXX XXXX name. The next day when I check in at the XXXX XXXX I got finally charged for my stay, the merchant name that shows on my Apple Card is XXXX XXXX which is now correct. So, since the first charge is odd for me because the price is not right and I dont recall booking for this XXXX XXXX  I asked the receptionist if she recognized this charge and the merchant. She told me no and the only charge that she processed was the one named XXXX XXXX because thats where we check in. 

So since the receptionist doesnt recognized this charge and so do I. I disputed this to Apple Card Goldman Sachs because why would I pay for something I didnt purchase. Who knows if someone got my card information and book it. Anyway the first investigation result came up and based on the email/mail I got it tells me it is a valid charge and I had to pay for it and no other explanation. So since I am getting annoyed because they want me to pay something I didnt order I asked to reopened the dispute and have them investigate it one more time because its not me who made the purchase to XXXX XXXX. So they investigated again and based on their investigation and the packet they sent to me, it shows that the XXXX XXXX and XXXX XXXX I check in with is the same company and the charge I got from XXXX XXXX is part of XXXX XXXX. So I was like ok fine. They shouldve just told me that in the beginning so I know what is going on and Im not wondering how the heck I got charge for something I do not purchase. Moving onto that messed I paid everything on my account. I never missed payment and my payment history with Apple Card XXXX Goldman Sachs is perfect because I dont carry balance or pay late. 

I tried to reach out apple card and see if they can resolve this issue but I just want to report this just incase they dont end up fixing it or tells me it was my fault where it was truly their fault for not telling me everything on my first dispute.
Consumer complaint received 2022-07-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (ME)

My Experian credit score is XXXX and my XXXX and XXXX scores are approximately XXXX. I have not been given a reason for this discrepancy, but under inquiries XXXX XXXX XXXX there are reports dated : XX/XX/21, XX/XX/21 and XXXX. I contacted Experian to file a dispute, but both claims came back resolved with no change in number or inquiries. I have also contacted XXXX XXXX XXXX, but because I do not have an active card they can not resolve this internally. I am now writing because I have been denied for several credit cards and loans this year because they are pulling from Experian. This is actively hurting my ability to build credit, and also purchase basic needs after a loss of income due to COVID. I would like Experian audited and an investigation into their reporting practices because I believe they are inflating inquiries in a deliberate attempt to harm low income individuals like myself.
Consumer complaint received 2022-09-21
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. (KS)

Equifax is reporting information regarding Hard Inquiries without my written consent. Regarding the Hard Inquiries t listed on my consumer credit report. I am demanding Equifax provide me with a wet signed contact giving all furnisher lawful rights to add Hard Inquiries to my credit report pursuant to 15 USC 1681g ( 2 ). If Equifax is unable provide me with my written consent pursuant to Fair Credit Reporting 15 USC 1681b ( 2 ) I am demanding all Hard Inquiries be remove Immediately. 
Violations : 15 U.S.C. 1681b ( 2 ) : In accordance with the written instructions of the consumer to whom it relates. 
15 U.S.C. 1681g ( 2 ) : Disclosure to Consumer
Consumer complaint received 2024-11-28
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NC)

On XXXX XX/XX/year> I was made aware of the debt as I never recived a letter of the debt as I had left the orginial address I was not aware of the debt for over a year. Upon discovery I called and let the company know there must be a error because I moved out due to XXXX XXXX and there had to be a mixup. I requested via fax XXXX XX/XX/year> them send the orginial contract and the itemize ledger to prove to the agency that the creditor is asking for money beyond my XXXX  date so there was no possible way I could owe. The debt collector never sent the requested information and I sent a follow up fax stating I never recieved my requested items to validate the debt. 

Fastfoward alot during my new duty station I lost track of following up with this debt .. and began working on removing this from my credit and the company informed me they would not speaK with me because they said I authorized a legal representative from XXXX  which was not true and I informed them myself that this was not correct I did not authorize legal representation from them. They told me I would need to contact them to release the representation but upon calling XXXX they informed me the debt collector is stating they needed to XXXX XXXX  they needed me to authorize them to represent me by providing them with a 5 digit pin which I never provided. I am using 5 lakes for other finaicial related issues but not this collection. XXXX XXXX  informed fco they are not representing me and still refuse to speak to either of us. theyve provided my information to an unauthorize 3rd party fco is using extreme tactics such as no proper notification, refusal to validate debt, and extreme avoidance to stick these fraudlent debt to me. the debt was never validated and when I pointed it out fco never responded to my second fax. I forwarded all my mail to my new address but still never recieved a response. FCO is not abiding by fair trade laws and I am being victimized to fradulent debt its ruining my chances to provide for my self and family
Consumer complaint received 2021-07-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE (FL)

I closed on my home mortgage on XX/XX/XXXX which included a new home insurance policy premium paid in full, as well as 3 months of payments as a cushion. 

On XX/XX/XXXX, I logged into my insurance policy account to begin shopping for new rates since it was about a year later. Upon doing so, I learned that my insurance policy was cancelled, effective XX/XX/XXXX for non payment of an adjusted premium ( ~ {$300.00} ). 

Upon learning this, I contacted Primary Residential Mortgage Customer Service and Escrow department email on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for a total of 18 emails, replying to myself only, as I never received a response. I received one response on XX/XX/XXXX confirming receipt for a letter sent to escrow department. Ive called several times and spoken to customer service reps and supervisors only who have requested I send a written request to escrow department, which I did on XX/XX/XXXX and again on XX/XX/XXXX, when I was told the letter sent on XX/XX/XXXX wasnt received even though the only response I ever received from PRMI was to confirm receipt of that letter. 

I acquired a new insurance policy and paid out of pocket ON XX/XX/XXXX due to the unresponsive nature of Primary Residential Mortgage. The insurance company charged a no prior insurance fee which Primary Residential Mortgage customer service supervisor believes I should have refunded from the insurance company, not PRMI. Over the phone, Primary Residential Mortgage states they never received a bill or call from insurance. They also state they didnt receive my letter that was also confirmed received on XX/XX/XXXX. 

I want to waive escrow from this mortgage as I can not trust they will manage paying taxes and insurance appropriately. Ive submitted a request to waive escrow and of course, received no response. 

This company is incredibly unorganized, unresponsive and rude. I have spent many hours trying to make this right, including paying for a new annual insurance premium out of pocket with no effort on their end whatsoever.
Consumer complaint received 2021-07-07
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: EQUIFAX, INC. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME WITHOUT MY CONSENT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2019-09-05
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. (TX)

There is an account on my credit report that does not belong to me. I have contacted the credit reporting agencies multiple times via certified mail, online dispute, & dispute with a live agent. The account in question is for {$1500.00} from XXXX XXXX. All I keep getting back is verified account by all 3 credit bureaus without any proper documentation of verification. I have called the reporting company in question and they promise to show me proof that the account belongs to me but have not done so in the last year. XXXX XXXX even told me the system they use verifies my data and that's how the account is verified with no actual work done or paperwork show to prove that it belongs to me. I have even been ignored and hung up on my credit reporting agencies employees.