davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-23
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: Experian Information Solutions Inc. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX   XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-03-22
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. (TX)

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (NY)

I am an authorized user on my aunt XXXX XXXX citi card. I got the card been using it. They had told her it would report to all the credit reporting agencies but never did. She had called citi about the matter and they said it should been reported. This is why I am coming here so we can resolve this as soon as possible. My account # ends in XXXX
Consumer complaint received 2020-06-23
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. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX   XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

TransUnion will not send a copy of the current information that they have in my regard to the address that they have on file. The same address to which they have sent 3 requests to " provide them with an address ''. See complaint # XXXX-XXXX. Their response to this complaint did not apply to the situation. It was a general response to someone questioning items on a Credit Report. No attempt was made on your behalf to require them to send me a report. The only thing that they did was send another request for " an address '' to the same address that they already have. Please investigate - not just send this complaint to them. Thank you.
Consumer complaint received 2020-06-22
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)

Searching my recent credit report, found out a few accounts and inquiries which I never opened before. I carefully looked all of these accounts and listed all of them in identity theft report. Sent request to investigate and remove all of them from credit report as soon as you can. I uploaded personal information like ssn and dl. I think personal info was stolen and used by someone else. all accounts are fraud. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

Bank of America scheduled but failed to execute payment to my consumer credit card. Payment was scheduled for the full amount ( only {$20.00} ) multiple times in XXXX and XX/XX/XXXX through the app but failed to process and actually pay off the amount. As a result, the balance remained unpaid, and the account was reported as delinquent to the credit bureaus. 

I only noticed the failure to execute once my credit score was reduced by 100 points. After calling BofA on XX/XX/XXXX, they said it was impossible to fix, and after escalating to the supervisor, they said they were unwilling. We never received a text or email on the payment being late, and the supervisor said I should have seen the message on the app. I had assumed it was a delay on their end and the message was dated. As the husband of an XXXX XXXX XXXX XXXX XXXX, my time was limited and had assumed the issue was already handled when scheduling previously. 

When calling again on XX/XX/XXXX ( when again the web payments failed ), BofA acknowledged their tech issues but did not offer to undo the negative mark on my credit report.
Consumer complaint received 2020-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Machol & Johannes, LLC (CO)

Debt has been paid in full plus overpayment. I reached out to them about the balance before it was paid in full because I knew it was incorrect but the did not respond. They also did not correct the issue. 
After I paid the debt in full onths later, they sent me a repayment check for the overpayment amount. However, the check was not able to be deposited bc their account numbers on the check are incorrect. After calling numerous times trying to get information, the account team found sent me a form to sign sayimg they would cut me a new check as long as I signed the form saying I would not try cashing the other check ( mind you it is fraudulent and not able to be cashed or deposited ). I signed and returned the form. 
SINCE I had been dealing with the issue for over 3 weeks I personally went to the office to pick up a new check. The new check they gave me IS ALSO A BAD CHECK!!!! The bank and the agemcy say it is a direct issue with theor account. 
I have since reached out via emails and phone calls. They will not return my calls. I am at a loss of what to do to get funds.
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Made a {$1200.00} payment out of an account Ive used before on XX/XX/XXXX and was told the next day that my payment posted but was on a 7 day hold. Called my bank with Capital One on the phone and verified the payment came out of my account. Was told they wouldnt clear the payment regardless. Called back on XX/XX/XXXX and was given the run around for an hour until my bank was closed. Called again on XX/XX/XXXX and was told the funds wouldnt be available until XX/XX/XXXX even though I explained that my truck was in the shop and I needed to pay to get it out so I could have a vehicle. I will have no vehicle for two weeks because capital one felt like holding my funds for absolutely no reason. When this happened before because I used a new account they called the bank and pushed the payment through. This time they are completely unwilling to do anything to help me even though they know the payment has cleared. There was nothing they could do was the last response I heard from capital one and when I asked for a reason for the hold on the payment I was told he couldnt tell me the reason. I will be canceling both of my capital one cards after over two years because of this.
Consumer complaint received 2020-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OH)

The company did not allow me to pay the bill online. When checking out the best buy cashier asked me if I wanted promotional no interest financing I said yes and handed them my ID to enter in information. They entered the information wrong and I never got any bills or a card. Next thing I see a late payment on my credit report. I immediately call best buy to try to get the issue resolved. They deny me a online log in because I did not have the card that was never sent to me. The promotional financing advertisement pamphlet clearly stated I would be able to pay the account online as it is the most convenient way as well as I have a natural habit of paying my bills online and would not have agreed to getting the card if I was unable to do so. After the fist set of missed payments on my account I tried to set up automatic payments over the phone to avoid getting late payments. The fist payment went through then all subsequent payments did not. I pay all my bills through the internet because I am a college student who also works full time and has kids. If someone is not going to take payment via a web portal I do not have the brain capacity or the time to remember to call every month to make a payment.
Consumer complaint received 2020-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying to contact Transunion for over a week on trying to identity why I am unable to view my active disputes & dispute history online. 

Every time I call Transunion support, they end up transferring me 3-4 times, and I end up getting transferred to a " complaint and support dedication '' hotline where I have to leave a voicemail with my name & personal information. I have left several voicemails and no call has been returned. 

I have advised representatives multiple times that I am not trying to make a complaint about the company. But rather, I am simply wanting the ability to dispute online and see my active & previous disputes. 

My last resort now, is making a complaint with the CFPB since I am unable to get any support from Transunion.
Consumer complaint received 2023-03-28
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. (OH)

Under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, and other Metro 2 Compliance requirements, parroting an e-Oscar system does not constitute a due diligent investigative effort. For instance, to no avail, I have made repeated requests to receive a description of the procedure used ( or documents used ) to determine the accuracy and completeness of adverse trade lines and collection items. This request obligates credit reporting agencies to provide consumers with the business name and address ( of any debt furnisher -- serviced in connection with collection information ) ; and, the telephone number of the debt furnisher. 

Still, if an account or trade line is modified ( with updated balance information ; i.e., validated ) or deleted, carbon copies are required to be sent to each credit reporting agency ( with whom the debt furnisher has a reporting relationship ). Again, because there is no evidence of Metro 2 Compliance ; i.e., viewable carbon copies, I request the above errant trade lines removed. Currently, as noted, this credit reporting agency is in violation of the letter and spirit of the following statute : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall provide to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if available. 

Finally, an itemized list of charges, fees and etc ... does not prove or offer evidence of a debt. Regarding the above-alleged trade lines and collections, to prove debt and consumer reporting agencies ' findings, I formally request evidence of my wet signatures.
Consumer complaint received 2023-03-28
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. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions,
Consumer complaint received 2023-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2019-10-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (MD)

As of XX/XX/XXXX, PNC Bank is still reporting my home equity line of credit as " Modified '' to the 3 major credit bureaus, despite the fact that PNC Bank refused to modify it in XXXX or XX/XX/XXXX. 

In XX/XX/XXXX, I I entered into a trial plan agreement to temporarily lower the interest rate with the hope of getting a permanent modification, where PNC Bank would lower the interest rate and put the remaining past due balance into a new amortization schedule, that would lower all of my future payments on the loan. 

I made all 3 trial plan payments as scheduled in XXXX and continued to make payments after that. I provided all of the documentation that PNC Bank requested. In late XXXX or early XXXX, someone from PNC Bank called and told me that my permanent loan modification request was denied because " I had insufficient income in relation to my financial obligations ''. I said that is not true, and even if it was true, the loan modification would help me meet my financial obligations. PNC refused to change its decision. 

On XX/XX/XXXX I made an arrangement to pay the past due balance of {$920.00}. 
Payments for {$460.00} and {$460.00} cleared my bank on XX/XX/XXXX and XX/XX/XXXX, respectively. 

It is like adding insult to injury, and is very misleading that PNC Bank is still reporting the loan as modified. I had tried several times to get PNC to remove " Loan Modified '' from what it reports to the credit bureaus, but PNC refused to do it. I called PNC on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I talked to XXXX XXXX in the Retail Escalations Group at ( XXXX ) XXXX, XXXX ( XXXX ) XXXX on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX said that Ms. XXXX mailed a copy of the loan modification agreement, the denial letter, and my XXXX account history to me ; however, as of XX/XX/XXXX, I have not received them. Ms. XXXX also told me that my only recourse to the false reporting is to file disputes with the credit bureaus - That is something that I have already been doing, through a third party credit repair company, without success. 

See the attached PDF that has the temporary agreement to lower the interest rate, on of the credit bureau reports that shows " Loan Modified '',  and bank statements that shows my payments to PNC Bank. 

PNC Bank is not fulfilling its obligation to help borrowers who ask for assistance. Although I am current in paying on this loan now, I do not want lies on my credit reports.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (MI)

This is a formal request for the details of the procedures used to determine the accuracy and completeness of the information in dispute because you told me you verified the accounts and that they belong to me but have not provided proof. It is scary to think that you did not do as you are governed by the Fair Credit Reporting Act and that other consumer might be affected, as well. Having this type of information on a persons credit report is unfortunate and severely damaging but having incorrect damaging information on a persons credit report is unacceptable. 

The following accounts don't belong to me at all so please look into this for me. 

SANTANDER - XXXX - Last month I sent you a letter stating that this needs to be looked at. I see no proof of an investigation done at ALL! There are XXXX different activity dates being reported. Investigate this account and provide proof it was done! Remove this inaccuracy from my credit report or I will sue! I do not know what this is. Please investigate and remove from my report. 

XXXX - XXXX - Last month you stated that this is reporting accurately. However, I see XXXX different activity dates being reported on this account. Show me the proof that this is actually my account otherwise delete this from my credit report. 

I am requesting a detailed explanation of how you received these specific responses. 

Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit report along with the description of your investigation.
Consumer complaint received 2020-12-07
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. (NY)

On XXXX I sent Disputes for those accounts I found on my credit report inaccurate and unknown. over 30 Days today since I've sent those disputes but I haven't received a response. I was a victim of an Equifax Data Breach. I demand to Delete those accounts or I will file litigation.
Consumer complaint received 2020-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

This debt popped up on my credit file today. Ive recently paid off all of my outs and debts. Ive never seen this debt before. I called the collection agencys phone number listed on XXXX a few times and I kept getting a personal voice. I believe this claim to fraudulent as letter or anything of this unknown debt has been sent I also looked up the company and they are known for buying very old debts and trying to collect. Please remove.
Consumer complaint received 2023-03-28
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)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions