davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-15
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: Consumer Portfolio Services, Inc. (GA)

The company will not cooperate with investigation i requested so i filed a complaint with XXXX. The company states then updates my credit report stating i was late after i complained to the better business bureau about payments and due date and the amount owed. made in adjustment on my account that the amounts still are not adding up. i called ask for them to please remove the late off my credit report report after customer service realized it was an error. rep stated he would send something over immediately and would not give me anything in writing. this still has not been updated. as a result i have been denied housing and could become homeless in 30 days with my family. This has been going on for months. This is very damaging to my credit.
Consumer complaint received 2020-10-19
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. (GA)

About two months ago I checked my credit and noticed some accounts that had misinformation and other accounts that werent mine to begin with. I mailed dispute letters to the credit bureaus to get the investigation started XX/XX/2020. It has been over a month and I have not received a response to the dispute letters.
Consumer complaint received 2022-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (AL)

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX XXXX ; Account Number : XXXX Bal : {$15000.00} XXXX XXXX ; Account Number : XXXX Bal : {$990.00} XXXX XXXX XXXX ; Account Number : XXXX Bal : {$650.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Consumer complaint received 2023-03-23
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. (MD)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2022-12-19
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. (AZ)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-10-19
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: CITIBANK, N.A. (MA)

In XX/XX/XXXX I went to Home Depot located at XXXX XXXX XXXX, XXXX, MA XXXX to purchase a few items.On my way out at the register I used my current Home Depot store card to pay while the employee asked me if I wanted to open a card and save on the purchased items. I asked him twice if it was a an upgrade and he said '' Yes ''. I found out later when I received the statement that it was another card similar to the one that I have. I called Home Depot credit services to resolve the issue. They told me to pay the current balance and they would close the account with no impact on my credit report. Recently, I checked my account on XXXX  and it showed as a hard inquiry and it will stay active om my credit report until XX/XX/XXXX without the option to dispute this misleading and wrong doing on behalf of the Home Depot employee.
Consumer complaint received 2020-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

Citibank, 45 days ago Citibank blocked my accounts specifically a Citibank checking account ending in XXXX. 

After calling the fraud division they informed me ( after submitting documentation from their Docusign system ) that my records had mismatched addresses but the customer service person refused to explain what the mismatch was.

I have called Citibank at least five times often being left on hold for long periods of time.

Citibank sent me Docusign files six times now : The first time I had to send either a pay statement or a utility bill. I followed Citibank instructions and sent the pay stub. A few days later I was told that was not sufficient and I needed to send a utility bill, which I did then. 

XXXX XXXX adds apartment numbers to their bill to indicate which floor/s the bill relates to. Mine has my address XXXX XXXX XXXX XXXX. This appears to be the mismatch that Citibank is using to justify blocking my funds. 

I have owned this house for 30 years. I have never listed my address this way in any application. This is a 3 family house and it doesnt make sense for me to designate my apartment designation.

I have attached the following : 1 ) Welcome letter from Citibank XX/XX/20 with my correct address for the account I am writing about. 
2 ) XXXX XXXX utility bill with the apartment listed with the XXXX designation which Citibank is using as a pretext for blocking funds. 
3 ) Current XXXX XXXX bill with correct address. 
4 ) Current XXXX bill 5 ) Current XXXX Dept of Finance bill which lists my correct address. 
6 ) To 9. Four letters dated XX/XX/20 from Citibank confirming requests to make changes to my address. I DID NOT MAKE ANY REQUESTS TO MAKE CHANGES. Two of the letters say they updated my address to add the XXXX XXXX XXXX designation. The other two letters say the exact opposite. AGAIN, I MADE NO SUCH REQUESTS. I simply am asking Citibank to unblock my accounts. This is my money not Citibanks monies. 
7 ) Today I was on hold for 30 minutes while various customer service representatives. The third one was supposed to get to the bottom of this until the call was dropped. How come the representative did not have the courtesy to call me back?

8 ) A copy of my email inbox which shows that I completed six times their document request via Docusign. The last three times I completed it, I then get another Docusign request asking for the same thing.

Citibank needs to be penalized for this egregious behavior. My funds have been blocked for over six weeks now. I have no judgments against me, I have an 800 plus XXXX  score. Clearly the mismatch ( the XXXX XXXX bill with the apartment designation of 12 Floor ) was entered into their computer system by Citibank.

Citibank needs to compensate me for their bad behavior.
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I WANT THIS ACCOUNT REMOVED ASAP OFF MY CREDIT REPORT THIS IS FRAUDULENT ACCOUNT AND REPORTING IN ERROR THIS IS CAUSING ME NOT BE ABLE TO GET HOME LOAN
Consumer complaint received 2020-10-19
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. (AL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, 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 2020-10-19
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

On XX/XX/XXXX my insurance was due for my home. I received a notice saying that the insurance was cancelled due to nonpayment. I have an escrow account with Nationstar/Mr. Cooper and learned that they mailed the payment on the actual due date/cancellation date and not when they received the renewal notice. I had to pay out of pocket to get my policy reinstated and they assured me it wouldn't happen again. 

A year later XXXX, I was notified again that my insurance had been cancelled due to nonpayment. Again, the funds were not distributed from my escrow account on time by my mortgage company. 

For the years XXXX, XXXX, XXXX, and XXXX, I have been paying out of pocket to make sure that my insurance is no longer cancelled. I have to wait for reimbursement from the insurance company. 

I called to ask if I could have the insurance portion of my escrow removed since Nationstar/MrCooper have repeatedly failed to pay the insurance policy on time for 5 years despite the fact that I have an escrow account with them with an insurance portion. 

They told me that I would have to refinance my loan to possibly get the escrow portion removed instead of actually being responsible for paying the insurance on time before it cancels. This makes XXXX sense. 

I have demonstrated my ability to handle my own insurance payments ON TIME when they have not and they should be able to remove the escrow or actually figure out how to pay this on time.

The sole purpose of having an escrow account is so that the lender can make sure that taxes and insurance are being paid out on time to protect OUR investment. It seems to me that Nationstar/Mr.Cooper is trying to entrap me into being locked into one of their insurance products rather than paying for the one that I have had before my loan being purchased by them from another lender. 

Beware of Mr.Cooper/Nationstar mortgage. There are hundreds of bad reviews that can be XXXX  about this company, including their XXXX page. My only piece of advice is to make sure you check your statements monthly and stay on top of how your payments and insurance/taxes are being applied and or disbursed or you can get behind or be riddled with policy cancellations, late fees or more.
Consumer complaint received 2023-03-23
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)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2020-10-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NV)

ATTENTION TO XXXX XXXX  XXXX. I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently submitted a previous report in which was disregarded and was not resolved. I submitted all needed documentation along with my personal information. I am asking this account be removed this account from my file as the amount of {$26000.00}. as Well as another account under the same name XXXX XXXX XXXX being reported as the amount of {$9600.00} does not belong to me. BOTH accounts were fraudulently opened through this company XXXX XXXX XXXX XXXX as someone stole my identity in XXXX of XXXX and XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire BOTH ACCOUNTS. I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter as this is causing major issues yo my personal file and great financial troubles during this time.
Consumer complaint received 2020-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (GA)

XX/XX/XXXX To : Ameris Bank Attention : Mr. XXXX XXXX XXXX, Chief Executive Officer XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX United States Subject : XXXX XXXX  XXXX XXXX Malfeasance in ref. Loan Number XXXX Dear XXXX XXXX : I am writing to you today to express my grave concerns regarding the professional competence and clear malfeasance of XXXX XXXX  XXXX XXXX in regards to the handling and processing of my personal mortgage payment made on XXXX the XXXX of XXXX. 

On XX/XX/XXXX of this year my wife and I made our monthly mortgage payment via XXXX  XXXX XXXX on-line bill payment system in the same fashion we have done, with no problems, every month for roughly the last 10 years. We were disturbed to receive a late notice from XXXX mortgage on behalf of Ameris Bank later that month. Upon follow up, they advised that they had no record of our payment. 

Investigation with XXXX  XXXX XXXX revealed that there were no issues with our payment. They verified that XXXX had cashed the check and was in possession of the funds. To assist us, they forwarded proof of payment to XXXX multiple times in various forms starting in XXXX. We are now in our third month of attempting to rectify this matter with XXXX. They still have not accounted for our payment and we have no evidence of any good faith effort on their part to assist us in doing so. 

I have personally spent 9-10 hours on the phone attempting to speak with a representative, navigating a challenging voice mail system with average hold times of 35-55+ minutes. A system clearly designed to frustrate callers into hanging up so that  XXXX can minimize their staffing and maximize their profits. When we have been successful in connecting with a person, we have encountered indifference, apathy and bureaucratic laziness. 

While my {$2300.00} mortgage payment is a negligible sum in comparison to the roughly {$160.00} XXXX USD in net income Ameris Bancorp earned in XXXX or the {$100.00} XXXX USD in gross revenue earned by XXXX, it is a significant sum to my family and we would greatly appreciate any assistance you can offer in reconciling this matter. 

Respectfully, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX and CEO XXXX XXXX XXXX XXXX XXXX 
Honorable XXXX XXXX, Attorney General of the State of Illinois Honorable Senator XXXX XXXX, Constituent Affairs Honorable XXXX XXXX XXXX, Director Consumer Financial Protection XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2020-10-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: AMERICAN EXPRESS COMPANY (TX)

While working with a lender to refinance my mortgage they found out that American Express had won a judgement against me in the amount of {$2000.00}. Back in XXXX of XXXX their attorney said that American Express was going to dismiss the lawsuit for which I received a letter. On XX/XX/XXXX I received a letter from American Express telling me that my account was transferred to XXXX XXXX XXXX XXXX. I wrote letters to American Express on XX/XX/XXXX requesting clarification and asking them to remove the judgement. In return I received a letter and later on several phone calls from XXXX XXXX XXXX XXXX demanding payment. I have written several letters to both companies and so far I have not received an answer. How can a creditor collect on a 7 year old debt and a judgement at the same time? Is that legal?
Consumer complaint received 2020-10-13
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: JPMORGAN CHASE & CO. (IL)

Hello, I was an authorized user on a relative chase credit card and had asked to be permanently removed from my credit report which they agreed and also have that address removed from my report as I am no longer staying there. For some reason it is still showing up. Just looking to have this corrected and moved from all credit reporting company 's as promised
Consumer complaint received 2020-10-13
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: JPMORGAN CHASE & CO. (MI)

Hello, I was an authorized user on a relative chase credit card and had asked to be permanently removed from my credit report which they agreed and also have that address removed from my report as I am no longer staying there. For some reason it is still showing up. Just looking to have this corrected and moved from all credit reporting company 's as promised
Consumer complaint received 2020-10-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company (CA)

To whom this may concern .guild mortgage company has been sending me threatening me just start making me pay my monthly payments. I am involved in the Cove in 19 caract for forbearance. I have evidence that shows that I have documents that prove that Guild mortgage has allowed me to be involved in the forbearance program. I want this lettuce to be stop sending to me from Guild mortgage. Do you start emants that I have proof that the situation is existing and going on. Am I want is threatening letters to be stopped immediately.
Consumer complaint received 2020-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (TX)

I have disputed Security Credit Systems which is on my credit for an  account they claim is through XXXX XXXX. Since i have disputed this as not mine they provided documentation from a company from XXXX XXXX and the documentation does not have any indication that it belongs to me or that i signed an agreement with XXXX XXXX. No Signatures, the information is all typed out and does not prove that I have an agreement with either of these names. This makes 3 names total. I need this removed from my credit as this is hurting me and they have called threatening to sue me and sending different letters/people to my home harrasing me of this debt that is not mine.
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (FL)

Mrs. XXXX XXXX steel the information of my 3 credit cards, XXXX XXXX XXXX XXXX  XXXX XXXX, and Citi XXXX she used them for 4 years paying her personal accounts and services, and changed my address, phone number in them used the XXXX XXXX for an amount of XXXX the XXXX  XXXX XXXX for an Amount of XXXX and the Citi XXXX  for almost XXXX I put an Identity Theft Report with the Federal Trade Commision and send letters to all the credit cards and also attached the identity theft report and the detail of the transactions made. I had my credit cards paperless so I don't realize this until I try to made a transaction on XXXX XXXX and my credit card was denied then I begin to investigate discover that I don't have credit available and request to the credit cards my statements in paper to know that happen. This begin in XXXX and she was doing monthly payments from this checking account for the minimum amount in each credit card and use her phone number to do it so I don't have a way to realize what's going on. Now they are under investigation for almost 3 months and request a Police Report the problem is that I live in XXXX and the police don't want to take the report because the merchants are in other cities and told me that have to travel to each city to put a report on them something that is impossible. In the meantime I don't have an alternative of what to do in reference to them because they denied 2 times my dispute and reopen the case again because they are not doing an investigation like should be done. What Can I do?? How you can help me?