davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I lost my wallet and my information was also released in multiple breaches. I also was a victim of the XXXX  Credit Breach. My identifying information was also found on the black market and I had reason to believe that an ex-boyfriend used my information. I placed a fraud alert on my credit in an attempt to stop fraudulent accounts from being opened that didn't stop fraudulent credit inquires from being put on my report. Typically companies take 30 days to do an investigation mine are all completed by the next business day saying that the information is factual. So XXXX  is intentionally breaking the law by not actually looking into my disputes and again breaking the law by continuing to report fraudulent activity on my report that is hurting my credit score. I filed a police report in XXXX, AL. The police report number is XXXX. I want these inquiries removed per the FCRA standards for credit reporting. I had no control over the situation nor did I contribute in any way. My next line of action will be to file a formal lawsuit against XXXX. I would also like my complaint and contact information public for individuals who are also being treated unjustly by this credit bureau. I didn't and couldn't file a complaint about every inquiry. I have also attempted to file disputes with TransUnion and XXXX. With XXXX  acknowledging some of the inquiries as fraud but denying others. I can not control when a fraudulent inquiry is added to my report. Furthermore, these companies should have enough sense to not run my credit multiple times for the same company on the same day, that alone should tell you that it is fraudulent information on my credit report. 

1. Because I didn't want to waste my time and this company isn't doing their due diligence 2. They are saying they verified the information within 24hrs. On some disputes, there are 10-15 companies listed and they are still claiming to have verified the information 3. Inquiries they have claimed where factual has been removed by the inquiring company because they found it to be a fraudulent inquiry.
Consumer complaint received 2021-06-03
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: EQUIFAX, INC. (IL)

My Name Is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-08-08
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. (CA)

I have a loan with XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX, I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance {$18.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$8000.00} Date opened XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-07-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I lived at XXXX on XXXX XXXX in XXXX, FL. due to Covid 19. My place of employment closed their doors and I had no work during the pandemic.my rent was {$2200.00} a month with all amenities pool, gym, dog park, etc. I told the office i was moving out because i couldn't afford to live there anymore so XXXX and XXXX rent was not paid, I moved out end of XXXX. I had the place professionally cleaned so there was no issues. the offices where closed and had no contact with anyone! so i emailed the office that it was clean and keys on table. thinking I was doing the right thing by moving out and not milking the system like others! The moment they received the letter at XXXX, XXXX called me very rudely and said she was sending me to collections. 
Im trying to buy a condo and i cant do anything because the collections debt says i owe {$10.00}, XXXX!!!! so it shows too much to debt to income ratio. now I'm stuck. I had perfect credit before this collection debt. i feel this is unfair due to the pandemic! If I owe anything, it should be 2 month rent at a discounted rate due to no amenities! 
someone please help me!! I'm desperate! 
I even hired a lawyer that sent a demand letter and the collections agency sent back with only a 50 % settlement offer but i feel the settlement offer should be off the price i actually owe which would be the discounted rental payment!
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (FL)

account was opened in my name and bank refuse to remove my name and social from the account with debit.. This account Identify Theft This account was open when I was in the hospital I never apply or use the card XXXX XXXX Account number XXXX .... 
Recent balance {$1500.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$1500.00} written off. {$1200.00} past due as of XX/XX/XXXX.
Consumer complaint received 2022-08-21
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. (AR)

XXXX, TRANSUNION, AND XXXX FAILED TO INVESTIGATE MY DISPUTE ON THE MULTIPLE inaccuracies on my credit report. They have failed to do their job when it comes to challenging alleged negative items on my credit report. 

They failed to do there job, which is causing severe damage to my character and my life. 

Ive sent them multiples of letters and they failed to do their investigation. 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. 

They violated my rights under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation.
Consumer complaint received 2022-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

When I reviewed my Credit Report I noticed that there is still account that is reporting erroneous and incorrect information. I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the account needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. XXXX XXXX XXXX XXXX Balance : {$150.00} Late Date August 30 days late
Consumer complaint received 2021-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have tried repeatedly this morning for over an hour ( XXXX ) trying to access my TransUnion account to report incorrect and missing information. 

It stated I already 'have an account ' and, to create a new account. I tried several times to do this. 

I have a PIN # ; and, recently had a 'freeze lift ' which has expired. 

If time has elapsed since accessing TransUnion for any service, etc., and, they require 'new ' passwords, etc., then they should contact the user ( me ) and allow me to 'reset ' same on-line and then not allow this OR not create a new on-line account?? 

This company has a very difficult platform to contact via email and, extremely long wait times for telephone contact.
Consumer complaint received 2023-08-16
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3500.00}
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (NC)

XXXX/BRIDGECREST are breaking the law by continuing to show inaccurate information on account. Account is in repossession yet companies are reporting late payments. Co-applicants name is spelled completely wrong, as well as a $ 0 monthly payments being reported as well. All of these inaccuracies are in violation of federal law and need to be deleted.
Consumer complaint received 2021-06-06
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: FIRST NATIONAL BANK OF OMAHA (IA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2021 Re : XX/XX/XXXX FNB XXXX XXXX XXXX XXXX XXXX, NE XXXX Dear Credit Bureau, I recently received a copy of my XXXX  credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. 
I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your promo response to this issue. Please be so kind to forward documentation that you have had the unauthorized inquiry removed. 

Sincerely, XXXX XXXX SSN:XXXX
Consumer complaint received 2021-06-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

Money ( {$9500.00} ) transferred from XXXX  XXXX XXXX to Citizens Bank. Getting mortgage from Citizens Bank and they told us if we have an account we can save money on our mortgage. Transfer stopped due to suspicious activity. Contacted XXXX  XXXX XXXX, they told us, and sent documentation Citizens has it. Citizens says it doesn't have it. Spent numerous hours being transferred to voice mails, but still haven't heard back about getting our money returned.
Consumer complaint received 2022-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (OH)

Loan Depot holds the mortgage to one of my investment properties. I called to set my account up on autopay and they confirmed that was set up. The auto pay was not in fact set up and I missed my payment. In addition, Loan Depot did not have my correct contact information on file ( incorrect phone number ) so I was not made aware when the payment was late ( this is despite me trying to correct my contact information multiple times previously ). No letters were sent in the mail. When I finally noticed that the payments were not being made, I immediately paid the past due balance and contacted Loan Depot to remedy the problem but they were unaccommodating. I had excellent ( over XXXX ) credit score and have never made a late payment- this mistake on their end has lowered my credit score tremendously.
Consumer complaint received 2021-10-07
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I recently saw two fraudulent credit card accounts on my XXXX credit report. I spoke to fraud/disputes department on XX/XX/2021 Who requested I fax in my drivers, license, my ssn card and the FTC report with a letter. I called back on XX/XX/2021 and representative is telling me to refax in the information when she is clearly looking at the documents. I am upset that they asked for my ssn card and other PII information and on one will remove these accounts. I will proceed in filing a lawsuit against the this credit bureau if this is not removed immediately. My information was compromised and I should not have to go through this just to get my credit report in order. These two Capital One accounts are not mine and they only update to say " verified '' they have not provided any validation information and my identity was compromised. It is against the law to report any inaccurate information. According to the FCRA, any information should be deleted in 30 days. This is passed the time frame of the actions against the credit bureaus.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (TX)

This is my 3rd attempt contacting you all to recitfiy you all stop furnishing inaccurate different variations of my name and also stop furnishing addresses that are not mine. I have attatched a copy of my drivers licsense for you all to verify me and a copy of a utility bill. Also I have attatched my dispute so you all can delete all names and addresses that are not mine. I have a right to privacy so you all shoud have only 1 name for me and 1 address for me. I look forward to hearing from you all soon GOD bless.
Consumer complaint received 2022-10-28
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. (FL)

On XX/XX/22 I spoke with a rep at each of the following companies, Experian, XXXX, and XXXX about the possibility that they were reporting fraudulent accounts on my consumer file. I pleaded with them to remove these accounts as I had no knowledge or information on where these accounts came from. I was told by all 3 companies that I needed documentation and to fill out an FTC report. I did just that and sent my letters via certified mail on XX/XX/22. After 30 plus days from sending my letters, the accounts are still showing on my report and were somehow verified even though they are not mine. I am extremely confused and frustrated over this because my family and I are trying to buy a house and this situation is keeping us from being able to do so. I called all 3 companies again on XX/XX/22, asking how they somehow proved that these accounts were mine but they only told me to contact the creditors directly and that they couldnt do anything else to help me. I tried contacting all the creditors that were fraudulently reporting on the consumer file, and without any surprise they had no knowledge of me or the accounts either. I am not sure what else to do and after researching online I came across the CFPB website that some friends of mine told me would help me with my situation. I really hope this helps because my family and I desperately need this house we are trying to apply for.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc. (FL)

I submitted a dispute with Cash App on XX/XX/XXXX due to bath and body works over charging me by {$72.00}. 

XXXX XXXX XXXX XXXX admitted to the overcharge ove email, which I submitted to cash app. 

Shortly after the dispute my cash app card was disabled and they revoked my access to use this card anymore. They give a generic response as to why. 

I spent {$50.00} on their NEW METAL cash app card, which in return they revoked the card and every time I request a refund they all give a generic robot response. 

I have been a customer FOR FIVE YEARS. First dispute in YEARS. 

I want my {$50.00} back for the METAL CARD I CAN NOT USE PER YOUR POLICY.
Consumer complaint received 2021-06-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (GA)

House damaged in tornado XX/XX/XXXX. Insurance company assessed damages and issued check for repairs XX/XX/XXXX. Mortgage company has had endorsed check and documents they requested via letter since XX/XX/XXXX. Sent confirmation email to us XX/XX/XXXX confirming all doc 's received and review process started. S/W someone in the Loss Drafts Dept on XX/XX/XXXX who confirmed review process was completed XX/XX/XXXX and disbursement check ( first of several to be made ) would be issued within 10 business days. Check should have issued by XX/XX/XXXX. Called company XX/XX/XXXX to check status-was now told something else ; asked to speak with Supervisor-was given a name and told they would call me back. No call ever received. Called company again XX/XX/XXXX and spoke with a Supervisor-was assured they had authorization to issue the first disbursement within 2 days ( by Fri XX/XX/XXXX ) and was mailing it Priority Mail. Check has not been received. I have sent 3 emails and called and left messages - not getting any response from anyone. Mortgage company has had our repair funds for 30 days - we have been out of our home 2 months and 11 days and no repair work has begun because we can not get the money for repairs from the mortgage company. When you call their Customer Care line in the Loss Drafts Department, the usual wait time for someone to pick up the call is 15-20 minutes.
Consumer complaint received 2021-07-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (AL)

First they told me I couldnt have a private flood insurance, so I got the recommended insurance and I paid out of pocket for ( did not come out of escrow ). A couple of days later the private insurance company contacted me ( by email ) and thanked me for renewing. I contacted the mortgage company and they told me it was their mistake, butI would have to get my money back from the private insurance myself. 
Then my regular home insurance contacted me ( by email ) letting me know that my current insurance expired on XX/XX/26. I again contacted the mortgage company and still to this day it has not been resolved, nor have I been contacted by them in anyway. Ive called and used their wecare form.
Consumer complaint received 2021-07-15
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: 1st Franklin Financial Corporation (AL)

There are inquiries on my report from these companies that I do not recognize. I have made an attempt to contact the company to have it corrected and to prove that it was fraud without resolve. I have filed a formal police report in XXXX, AL. The case number is XXXX.
Consumer complaint received 2021-07-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (MD)

Waypoint Resource Group is began reporting this non-validated debt on my XXXX XXXX  and XXXX credit file WITHOUT sending me a dunning notice. I sent a letter to Waypoint Resource Group requesting for validation of a debt they claim I owe of {$540.00}, according to the provisions of the FDCPA. Waypoint Resource Group sent a reply of a billing statement attempting to collect a debt. Waypoint Resource Group has violated the provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to XXXX XXXX and XXXX. The [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. Waypoint Resource Group has NOT provided me adequate documentation.
Consumer complaint received 2022-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Their online banking account access does not calculate the running total correctly. I reported it a couple months ago and they were very nice and prompt in their response, but still nothing done. 

Here 's the thing. They did it correctly for years, and it only started when they decided to " freshen up '' the website with a new design ( which does nothing but confuse people because now that they've trained us to use their site efficiently, they change it and we have to learn it all over again - totally unnecessary waste of time ). So we know that they know how to do it, and that they already have the computer code to fix it. They just need to scrap the new design and re-load the previous one. But they're too XXXX  to do it, that would be admitting failure for their IT pros.
Consumer complaint received 2021-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I traded my old car in and bought a new car. The XXXX department from the dealership had my address incorrect on the original papers and had to send me another set of documents to sign. While they were getting everything redone it took a long time to complete and as a result of this the bank submitted 60 days late payment to the credit bureaus. I had never missed or had a late payment in over two years