davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-08
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. (OR)

Experian refuses to do a proper investigation about an erroneously reporting account on my consumer report, and they will not remove this account even though it is clearly reporting inaccurate information. I have disputed this account on or about XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After each dispute, they just changed some alleged late payment dates around, and changed the Closing Date on the account. Literately, they changed this account 5 times, and after each time, they claimed it was accurate. I even asked for their " method of verification, '' as is my right according to the FCRA, but they basically ignored my request, and just responded with the generic " This account has been verified as accurate '' response they always give. Also, In regards to another erroneously reporting account I filed complaints against them for, they refused to remove the previous accounts as well, and have the unmitigated audacity, to respond with a lecture about using, " credit repair services ''. Yes, they actually said that Credit Repair services can not do anything for me that I can not do for my self! Basically implying that I am not the person sending these disputes, and this complaint as well of my own accord. These consumer reporting agencies are out of control. This account in question, needs to me removed, immediately. These errors are costing me money, lowering my credit score, and Experian could care less.
Consumer complaint received 2020-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NJ)

I would like to bring to your attention that all 3 credit reporting agencies XXXX Equifax and XXXX  are abusing their authority in keeping consumer credit scoring. I have been suffering financially because of the COVID-19 situation. I have been trying to fix my credit since XXXX so that I can borrow credit in order to sustain with family during this difficult situation. 
Just to sum it up, below are the ways they are making me suffer ; My credit scoring has not changed since XXXX. It is as if they have blacklisted me from gaining points I used my savings to pay off 3 collection accounts that were on my credit report. Although they have removed those collection accounts but the agencies are not returning around 75 points that they had deducted when the collection accounts got on my credit report There have been positive and negative events on my credit report since XXXX but they have not given me any points for positive developments Please help me out in getting this straightened out. This is the last thing the tax paying citizens need to worry about in this pandemic. 

I am attaching one of the correspondences I had sent to them in this regard. They have ignored my request in their responses. 

Thanking you ...
Consumer complaint received 2022-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file. 

This item/account is unknown to me. Also, the information you provided on some item is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some item is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2008 Balance : {$20000.00}
Consumer complaint received 2021-01-21
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. (GA)

I have sent several requests to investigate inaccurate accounts on my credit report. I have been really patient with them. On XX/XX/2020 I requested Transunion to provide me, a description of their reinvestigation procedure / their method of verification. I received no response. On XX/XX/2020, again I requested in writing Transunion to provide me a description of their reinvestigation procedures and/or their method of verification. No response!!! I have been trying to apply for a home and their inaccurate records on my credit have caused me so much stress and loss of faith.
Consumer complaint received 2020-07-06
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. (IL)

Every time I go on TransUnion Website/XXXX and attempt to get my credit report it never gives it to me. Even though I pass the identity verification, Please assist with this ASAP
Consumer complaint received 2022-07-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (KS)

XXXX XXXX sent me a bill for {$1200.00}. Bill was due on XX/XX/XXXX. I paid in 2 parts directly via e-banking from my banking account. Paid {$650.00} on XX/XX/XXXX and {$570.00}. XXXX 's system is inept. 
I spoke with XXXX on XX/XX/XXXX at XXXX XXXX. She said she would review and clear the debt. I also filed the documents via their XXXX and XXXX. 
XXXX sent me to debt collection. I spoke with XXXX on XX/XX/XXXX at XXXX am XXXX. He told me to send in the documents. I have sent the documents. 
This is harassment. I have paid my bill. Their system is inept. Why is my credit be affected. Please help. 
Credit Collection Services - XXXX Thank you. 
XXXX
Consumer complaint received 2022-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (NY)

Navy Federal Credit Union has stolen my money, blocked my account, refused my refunds, and blocked all contact with me while stealing my money in retailation for me filing complaints of XXXX  to their company. They refused to acknowledge my complaints but deny me services. The last time I filed this complaint they BRIBED me with {$100.00} cash saying they would investigate but didn't. They reversed a XXXX fraudulent charge on my account while refusing to acknowledge my other disputes. They have deliberately withheld my direct deposits saying I was moved " to a different batch '' which is based on my XXXX. They have name calling me on the phone, laughed at me, called me a liar and shamed me based on my race and is now stealing my money and blocking me from talking to them in any form. They only sent me a form letter with no name or contact person on it! ( see attached ) This is harassment and illegal because it is based on my race witch has exasperated my XXXX, shamed me as a person, caused me extreme XXXX suffering and duress. Please help me get my money back so as a veteran living with XXXX I can get loose from the crippling XXXX grips of Navy Federal Credit Union
Consumer complaint received 2021-04-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc. (KY)

XX/XX/2021 I called GLA collections about a {$320.00} debt I had the lady told me it was deleted when she realized that she had lied to me and it was still on my credit asked to speak to a supervisor and she had hung up very quickly on me turn around and I called and left a message on XX/XX/2021 I never received a call backI called XX/XX/2021 and spoke to a supervisor he was very rude said there was no documentation of the phone call I told him that the lady must have altered it to cover her own XXXX and he said maybe then when I called him on saying that he tried to re-cant the statement and say he never said that.
Consumer complaint received 2022-04-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (CO)

I have personal loan with LendingClub ( account # XXXX ). I refinanced my house, as part of that refinance, my bank ( XXXX XXXX XXXX XXXX ) paid off this personal loan. A check for the amount of {$12000.00} was mailed overnight on XX/XX/XXXX to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The check cleared on XX/XX/XXXX but was never credited to my account. My account has a non-optional autopayment that comes out every month on the 24th. As my payment date approached and the account was never credited, I called the customer service line but was told that it could take " 10 to 15 '' business days for my account to be credited. After the auto-payment came out on the 24th I contacted customer service again, this time well outside the " 10-15 '' day window. After explaining the situation, the customer service agent spent some time looking into it but was never able to resolve the issue. They escalated my issue by " submitting a ticket '' to their " treasury department '', this was on XX/XX/XXXX. I was assured that someone from their " treasury department '' would respond to me within XXXX hours. After XXXX hours came and went without a response, I contacted them again. I gave the customer service rep the exact same info I had already given others several times and all they could do is submit a ticket to treasury. It has now been XXXX weeks since LendingClub deposited the payoff amount for my loan but they still continue to take autopayments and charge me interest. It has been 10 days since my " ticket '' was submitted to their treasury department and I still have not had XXXX single communication with them.
Consumer complaint received 2022-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (FL)

I applied for the GM business card through Marcus and I received an email saying my application was declined as they were unable to verify identification information. When I reached out to them they did not disclose what information they were unable to identify, they did not ask me to send in additional information or what source or bureau they used. I have an existing account with Goldman Sachs since XX/XX/2021 and my information has not changed. If there was indeed an issue verifying my identity I am owed an exploration of the data used to access my information and I should be given an opportunity to see that data and file a dispute with the data provider. I was given no such information which I believe is in violation of federal law.
Consumer complaint received 2021-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (NY)

I was sent a Debit card from US Bank ReliaCard. It was unsolicited. 
I called the toll free number, XXXX and was told another division handled that card. 
They transferred me and I was immediately hung up on. I called again and told them I would contact you. They transferred me and immediately hung up again.
Consumer complaint received 2022-07-08
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. (FL)

My name is XXXX XXXX XXXX. I am writing this complaint myself, there is no third party involved. After reviewing my most recent credit report from EXPERIAN I noticed fraudulent and unauthorized inquiries on my report. I have filed an FTC report and sent EXPERIAN a handwritten notice ( tracking # XXXX XXXX XXXX XXXX XXXX ) with instruction to delete the inquiries within 4 days, pursuant to 15 USC 1681c-2. I am also requesting a full record of how the collection account from XXXX XXXX was validated and verified. EXPERIAN must prove to me that they are in full compliance with the FCRA and FDCPA, as I'm aware that credit reporting is voluntary and not mandatory, I do not recall giving XXXX XXXX written permission to report private potentially negative information to a third party, nor did EXPERIAN receive such consent from me. It is against federal law to report alleged debt when the account has not been properly verified and validated with original documentary evidence. EXPERIAN must provide me with such documentary evidence or remove the XXXX XXXX account immediately.
Consumer complaint received 2021-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

On XX/XX/2021 we booked three tickets from XXXX XXXX to XXXX ( XXXX ) via XXXX XXXX. Travel Dates ( XXXX to XXXX ) The ticket was booked using my Citi XXXX  Credit card points and the remaining balance was paid through Citi Costco Visa Card . Total of XXXX Points + {$2200.00} USD. 

The trip id is XXXX. Airline Reference # is XXXX. XXXX Reference Number is XXXX. 

The passenger names are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 

The issuing company was citi XXXX  and is called XXXX  XXXX  XXXX  for XXXX  XXXX  ( XXXX / XXXX ). 

The tickets were fully refundable. 

Due to increase in covid and cancellation to travel back from XXXX, we were not able to take the flights and had cancelled the reservation before the travel dates. 

We have been following with XXXX  for the last 5 months and every single time they say that the amount will be refunded in 1-2 billing cycle. 

This is a large amount and have not been able to get the proper refund. 

I followed up today with my Credit card company and because the transaction has been over 6 months, unable to put it into dispute also. 

Please note that my husband had a separate ticket with XXXX XXXX  and the full refund came into our account more than 3 months ago. 

Please help in getting our full refund. 

Today when the agent said this call is getting recorded, I did tell that I am also recording the call, and she hung up. This is unfair and would really appreciate if you can get us our full refund.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OR)

Utilization is an experience with the line of credit that was extended between the consumer ( XXXX ) and the person ( YOU ) XXXX XXXX XXXX XXXX that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Failure to respond satisfactory with deletion of the above utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616.

Civil Liability for willful noncompliance [ 15 U.S.C 1681n ] Cc : Consumer Financial Protection Bureau XXXX : Attorney General 's Office Cc : XXXX XXXX XXXX XXXX : FTC XXXX XXXX
Consumer complaint received 2022-09-28
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. (IL)

In XX/XX/XXXX i submitted two complaints to CFPB in response to numerous attempts of disputing unauthorized inquiries on my credit reports from XXXX XXXX and XXXX XXXX dated XX/XX/XXXX. Both companies have failed to provide me with proofs showing that I authorized this inquiry. I had requested from the credit bureaus as well as the creditors documents showing that my signature, ssn and identification is verified on these unauthorized inquiries and either has failed to provide. In response to the complaint that was submitted in XXXX, XXXXXXXX XXXX responded that the inquiry will be removed from all credit bureaus within 15days well it has been months and the inquiry still remains on my credit report.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (CO)

I have always paid my account on time every month thru the website and portal that the company provides and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Consumer complaint received 2021-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NJ)

Citi has refused to remove a 'credit watch ' from my credit reports, refuses to close my account, and refuses to resolve issues with declined charges.

I have contacted Citi by phone, email, and chat dozens of times since XX/XX/2020 when they cancelled my card and re-issued a new one. Since then they have routinely declined random charges, claimed that there were mysterious overseas charges that never showed up on my statement, and cancelled and re-issued my card two more times. 

Citi reported my account as 'questionable ' to XXXX and others, causing my credit rating to dip 10 points. I don't even carry a balance on my card. 

I have spoken at length with both Citi and Costco ( card sponsor ) with no results. The Citi executive response team has no authority over their fraud department. The Fraud department routinely fabricates information on calls ( fake case # 's, operator # 's, etc. ) and either reports false or incomplete case information for why the card is disabled or frozen. 

This has resulted in declined charges for family events, gifts, meals, and routine groceries. There is no pattern or reason for the declines, and no explanations from Citi or Costco.

I have requested that the card be cancelled 8 times and Citi has refused, saying that I have to call them and provide a 'good reason ' before they will close my account.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that CREDIT BUREAUS decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Please DELETE these unknown items from my file XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX creditor XXXX XXXXXXXX XXXX XXXX Balance {$3200.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXXXXXX Balance {$2300.00} XXXXXXXX XXXX XXXX  XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXXXXXX Balance {$3700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX creditor XXXX XXXX XXXX  XXXX Balance {$3700.00} XXXX XXXX  XXXX XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXXXXXX Balance {$1400.00}
Consumer complaint received 2021-09-23
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

Rushmore loan management foreclosed & sold my property without my acknowledgement, signatures or any attempts to involve me in the process. I was a co-applicant ( co-borrower ) on loan with my ex-wife who was also a co-applicant. Neither of us were a co-signer. As explained to me when mortgage companies attorney was questioned as to whether or not they were comfortable in proceeding without my consent or knowledge they answered yes. How could a foreclosure & sale & mediation pass through all the courts without my presence or knowledge or any thing from me.

Furthermore, the lender 's failure to follow the statutory requirements chilled the bidding at the foreclosure sale and, as a result, I am now liable for a larger deficiency judgment.

Thank you. 
XXXX XXXX and XXXX XXXX to XXXX XXXX  XXXX XXXX XXXX XXXX dated XX/XX/XXXX and recorded in Deed Book XXXX Page XXXX XXXX County, Georgia records ; as last transferred to or acquired by XXXX XXXX, XXXX XXXX as Legal Title Trustee for XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MN)

XXXX XXXX constantly call me and threatening me with reporting me to the credit bureau for none payment of my loan. I have been consistently enrolled in school for the past two years, however, I keep getting statements saying that I'm past due and a failure to pay would result in bad marks on my credit. 

The terms on my loan stated that while enrolled I do not have to pay on my loan. XXXX has ignored the fact that I send {$50.00} a month for over a year and none of those payments has been reflected in any statement. 
.