davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

There is a lot of erroneous items that are reporting incorrectly on my credit report. These accounts are unverifiable, invalidated, inaccurate, & violating FCRA rules. If everything is not reporting 100 % accurately it must be removed. These inaccurate items on my report are causing me hardship, for me and my family, I can't get an apartment for me and my kids to live in a better area, I have to work at a low-paying job due to these inaccurate items on my credit.
Consumer complaint received 2022-01-20
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. (AZ)

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ EMPLOYER : XXXX XXXX XXXX Inquiries : XXXX Date of Inquiry:XXXXXXXX XXXX Date of Inquiry:XXXXXXXX XXXX Date of Inquiry:XXXXXXXX XXXX Date of Inquiry:XXXXXXXXXXXX  XXXX Date of Inquiry:XXXXXXXX XXXX Date of Inquiry:XXXXXXXX XXXX  Date of Inquiry:XXXXXXXX  XXXX Date of Inquiry:XXXX XXXX Date of Inquiry:XXXX XXXX Date of Inquiry:XXXX XXXX Date of Inquiry:XXXX XXXX Date of Inquiry:XXXX XXXX Date of Inquiry:XXXX XXXX  Date of Inquiry:XXXX XXXX Date of InquiryXXXX XXXX Date of Inquiry:XXXX XXXX XXXX XXXX  Date of Inquiry:XXXX XXXX XXXXXXXX XXXX Date of Inquiry:XXXX XXXX XXXX XXXXXXXX Date of Inquiry:XXXX XXXX Date of Inquiry:XXXX
Consumer complaint received 2022-09-20
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. (OR)

On XX/XX/2022, I responded to an email offer from Citibank to apply for their XXXX  card and receive XXXX bonus miles after I spent what I think was {$3000.00} in the first three months. I was instantly approved for the card. Today, I called the customer service department to find out what amount of purchases I needed to make in what time frame to get the XXXX mile bonus. The woman who was helping me said there was no bonus offer on my account. I was then cutoff, and had to go through the computerized system again to get to another customer service agent. I believe I was speaking with the same person, and asked to speak to a manager. She said she would take notes, and then I was cutoff again. 

I am very clear that I responded to a marketing email specifically sent to me in my name offering the bonus if I was approved for the card. I am extremely dissatisfied that I have been told I am not getting that after spending several XXXX dollars on their card. I feel totally deceived and ripped off. I am also very unhappy that the person on the front line can hang up on customers who are trying to resolve a problem.
Consumer complaint received 2021-11-02
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC. (TN)

I applied for a loan modification due to the pandemic. My husband hours got cut, so we were behind on payments. We applied for the modification for a fresh start. The home lender raised our mortgage payments instead of lower it. I reached out for help to get my payment were i could afford them. If I knew they would raise it, then I shouldnt have asked for help. How is that helping me.
Consumer complaint received 2020-08-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Re : Trans Union Account File Number XXXX I contacted Tran Union XX/XX/XXXX, XX/XX/XXXX U.S. Mail and requested that following inproper inquires be removed from my credit report as a result of identity thief : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX shows that I incorrectly owe {$11000.00} this transaction should be also completely removed from my credit report, yet Trans Union refuses to remove These above are identify thief see attached documents. I paid off XXXX XXXX XXXX   XXXX in XX/XX/XXXX I do not owe XXXX anything yet my credit report still reflects that I owe money on this account. It should say account is paid in full.
Consumer complaint received 2022-07-28
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. (SC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX  XXXX Balance : {$0.00} FST XXXX XXXXXXXX Balance : {$980.00} FST XXXX  XXXX Balance : {$1100.00} TD XXXX XXXX  XXXX Balance XXXX {$2000.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$90.00} XXXXL XXXX Balance : {$31.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-07-28
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. (GA)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NV)

In 2020 around XXXX I had my unemployment from Ohio deposit into my acct of XXXX $ and they illegally closed my account and never sent me a check or anything saying they were going to give me my money in a form of another check so I could cash it else where I'm still waiting for funds till this day
Consumer complaint received 2021-11-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (IL)

I filed XXXX XXXX bankruptcy in XX/XX/XXXX and at the time had private student loans serviced by AES that I was paying roughly $ XXXX. The payments on these loans were suspended during my bankruptcy and I knew they'd be returned to me after I was released. I paid off my bankruptcy early in XX/XX/XXXX and I expected payments of roughly the same amount to resume in XXXX or XXXX. When I got the letter from AES the payment was {$710.00}. I started contacting them immediately telling them that payment was a financial hardship and I wouldn't be able to make it. They insisted I had no options because I had been in a graduated repayment plan with a 20 year term that would expire 50 months. They had recapitalized the principal and interest over 50 months rather than giving me the XXXX years I should've had left. I contacted them several times between XXXX and XXXX just asking them to give me a longer term for a manageable payment. Finally in XXXX I spoke with an escalation team member who confirmed that my original balance was $ XXXX and I had made nearly $ XXXX in payments already before my bankruptcy. The balance is currently {$31000.00}. So i should've paid a total of {$49000.00} if I made all payments as agreed, but with them capitalizing the interest during my bankruptcy I'm now set to pay {$63000.00} ( approx. ) over the life of loan charging me and add'l $ XXXX in interest. Not working with me for any type of agreement is an extreme financial hardship and the credit impact of not paying on time puts my job in jeopardy. The escalation team member requested I ask the lender for exception or work out and I did that on XX/XX/XXXX and got rejected yesterday. The servicer now says I must go delinquent for them to work with me which will adversely impact my credit further keeping me in an untenable debt situation. The agents at the servicer have also told me multiple times that it was " my fault '' for getting private loans and also that because they are private loans that they don't have to do anything because they can't be XXXX. This feels abusive and predatory. I attempted to refinance with a co-signer but given the fact that I'm recently out of bankruptcy no one will lend to me.
Consumer complaint received 2021-11-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (AZ)

On XX/XX/XXXX I received a letter from Kia informing me that I had an outstanding balance of {$2600.00}. I have never missed a payment and have a copy of my payment history showing that I had not missed a single month. I made a phone call and spoke to a CSR Ms XXXX, who told me that she would have the finance department look into the account and would contact me. Since then I have not heard anything, but when I checked the website the " debt '' had been removed. Today when I went to make a payment, it shows no payment is due. The payments are due on the XXXX of each month. I went ahead and made a payment even though the balance said " XXXX ''. 

This is not the first time I have had a problem with Kia Finance. Two years ago I was making payment on my XXXX XXXX XXXX. The payments were being transferred to the account for my XXXX XXXX XXXX which I had sold back to the dealership. I got this corrected after several phone calls.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MA)

Good evening and how you been during this chaotic time of COVID-19? I continue to be surprised and shocked how your company continues to say that they verify this public record of bankruptcy. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankrutpcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. 

A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I had my credit frozen several years ago and recently tried to refinance our mortgage. The two agencies were no problem to lift my freeze but Equifax has been a major problem. I have been calling, faxing, sent copies of my personal information with request to lift the freeze to no avail. 
I have had my bank run our credit and the only issue is with Equifax which they state no reason for them to have taken this long. 
I spoke with a woman overseas today with Equifax and she wanted me to send her a copy of my drivers license and social security card by picture on a link which was insecure. I stated I had sent the appropriate documents several time and she hung up. 
Please can you help us.
Consumer complaint received 2020-08-20
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have a loan with XXXX XXXX and CAPITAL ONE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX and CAPITAL ONE with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

I filed a dispute with the credit reporting agencies on XX/XX/2020 in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has been over 30 days, I filed a 30 day demand to comply with the credit bureaus on XX/XX/2020 and still have yet to receive any response.
Consumer complaint received 2020-08-20
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 — Their investigation did not fix an error on your report
Company: BRite Financial Services, Inc. (MI)

I have a loan with BRITE FINAN and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, BRITE FINAN and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2022-11-09
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: EQUIFAX, INC. (TX)

As a consumer I have the right to file a dispute regarding accounts that I know is fraudulent. Also, the bureau should respond to me when they received my letters. It has been more than 30 days, but I did not receive anything from them. I also did not see any results.
Consumer complaint received 2022-01-17
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. (CA)

Upon reviewing my updates, incorrect information was found in my reports. The Transunion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : ( XXXX XXXX  XX/XX/2020, XXXX XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020, XXXX XXXX XXXX XX/XX/2020, XXXX XXXX XXXXXX/XX/2020 XXXXXXXX XXXX  XXXXXX/XX/2020
Consumer complaint received 2020-08-20
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 — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION (PA)

You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.
Consumer complaint received 2020-08-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I submitted a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020. My 30 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2020-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Dear BoA ; Hoping that you're doing well during this pandemic ... .. Listen, I'm not sure why you continue to report inaccurate, incomplete, and unverifiable information on my credit report. Also, i was promised that once the payment cleared you would contact the 3 major credit bureaus and remove it from my credit report entirely. You continue to mention that you verified the data on this account, but I've attached the proof that i paid off the account and i'm not LIABLE for this account and want this deleted from my credit as promised. There is no way you verified because it still reports incomplete, inconsistent, and unverifiable information. Please delete!!!
Consumer complaint received 2020-08-20
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. (GA)

My Name Is XXXX XXXX Today Date Is XX/XX/2020 ( I'm The Only One Writing This Complaint!!! No Help By A Attorney Or Credit Repair Agent ) ) I've Been Having Trouble With These Inaccurate, False And Fraudulent Information That Don't Belong To Me I've Contacted My Local Police And Made A FTC Report Number : XXXX Ive Also Contacted Experian and XXXX XXXX XXXX XXXX About The Fraudulent I Spoke To A Lady By The Name Of XXXX And She Told Me That My Account Didn't Match What They Have That This Account Might Be A Mix Up Credit File Or Fraud And She Was Going To Update And Remove The Account, I Waited 60 days After That I Contacted Experian Updating Them With The Information But Experian Failed To Remove The Account I've Disputed This Same Account 5Plus Times Experian Updated My Account Saying Its Verified When I Call To Get A Explanation Experian Told Me That Its A Computer Generated I Was Very Disappointed XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX ( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report!!