davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-06
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: EQUIFAX, INC. (NJ)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX you caused me.
Consumer complaint received 2021-03-29
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. (UNITED STATES MINOR OUTLYING ISLANDS)

Late Payment reported for XXXX XXXX  I paid a large amount prior to the payment date. During this specific month I did not get any notifications of PAYMENT DUE. Clearly It had been paid. Historically I have paid on time. In addition to the Pandemic I was going through identification fraud via the IRS and State of California leaving me without any way to pay which is why I submitted a large amount to account for this issue and any other foreseeable issue. Due to the fact, I did not have a means of electronic payment and I only received a notification of being LATE and no NOTIFICATION of PAYMENT LATE, ONLY CHARGED A LATE PAYMENT Also, you will see it is accurate that a payment was indeed RECEIVED. I believe this is why I was not prompted to be SENT A PAYMENT DUE REMINDER - Why - Because I had made a payment. Unfortunately, I paid in that month and if it was not for the other issues along with Pandemic i would have paid it off. However, I still made my monthly obligation as noted per FCRA. I did not anticipate being chosen as a fraud error or verification of identification for both IRS and the state of California. All this was due to the fact I moved. Therefore, it was an absence of urgency due to the skeletal crew with business and USPS.
Consumer complaint received 2021-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (MD)

On XX/XX/2021, I called Citi Bank to close my credit card account. They made me go thru XXXX and back to close it. They tried everything to get me to not close it. It was extremely frustrating and time consuming. I told them I'm getting close to retirement and want to pay off debts and asked for the amount I owed so i could close the account. Finally, I got an amount and it was paid. 

XX/XX/2021 CITI CARD ONLINE PAYMENT {$30000.00} ( from my bank statement ) At the beginning of XX/XX/2021, I started getting notices from Citi that I was late on a payment. I called and told them I closed the account and paid the amount Citi said I owed and they tried to say " Oh well there was some interest that accrued and wasn't paid and then there's a late fee because you didn't pay the interest ''. I explained the situation ... how I owed ZERO and wasn't paying another cent as they had given me the payoff amount. The woman said she understood and would take care of everything. Well, she didn't and 2 weeks later I was getting more calls. This time I talked to a guy who said ok, he would take care of zeroing out the balance. Well, he didn't and the calls kept coming. Yesterday, XX/XX/XXXX, I talked to XXXX in customer service. I tried to get the name and address of the executives in charge so I can file a small claims lawsuit for all the time and aggravation they have caused. She wouldn't give me any names or addresses of who I could serve with papers. NOTHING! That's not acceptable. The names and business addresses of these people should be available. XXXX ( no last name given ) gave me her customer service number - XXXX. She said she would take care of zeroing out the balance but I just got an email from them saying I owe money. 
This is a scam on consumers. When a customer calls for the balance due on the account because they want to pay it off, they should be given the amount and that should be the end of it. I had this same problem years ago when I tried to pay off my XXXX XXXX account. They kept coming after me for minor amounts that they said weren't in the final balance but somehow appeared after I paid off the card. We need a law to protect consumers from this type of treatment.
Consumer complaint received 2021-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 I made a purchase at XXXX # XXXX in XXXX in the amount of {$80.00}, and proceed to go home. After arriving I received a Low Balance alert from the XXXX Bank of America account. After logging in to my account I noticed someone had requested an ATM Balance Inquiry, and proceeded to withdraw {$1000.00}. I immediately contacted Bank of America and they opened a complaint XXXX XXXX XXXX XXXX ). After repeatedly contacting Bank of America about this complaint, I was informed today XX/XX/2021 that they were closing the complaint, and it was my responsibility for the loss of funds ( {$1000.00} ). This is a widespread issue with Bank of America XXXX cards and accounts, and I wish to have this resolved with me receiving my funds ( {$1000.00} ).
Consumer complaint received 2021-03-29
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)

On XX/XX/2021, Experian added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold, and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Experian has violated my right as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2019-05-05
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: Student Loan Debt Agency (TX)

I did not receive notification of student loans garnishment because lender did not have my updated address. When I finally received notification it was too late they had already decided to garnish my pay and back tax withholding because of no response from me.
Consumer complaint received 2022-07-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NJ)

This letter is to inform you that the above referenced accounts being reported by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I have recently opted out from all secondary credit reporting so please do not rely on them for accuracy for they should not be sharing any of my information. 

I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts? 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner. 

Lastly please remove the following collection accounts from credit reporting : These accounts are not mine. My credit report was accessed under false pretenses which is identity theft. I will be filing consumer complaints so that these companies are fined for the vicious and malicious practices. I will sue if necessary I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding these items listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2022-12-12
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. (TX)

Transunion has dropped my credit score by over 40 points. No negative information added, no collection, all accounts paid and balanced reduced. Claimed dispute filed, no dispute filed.called XXXX XXXX, no record of any dispute all accounts in good standing. No reason why account credit dropped. 
Account was up to date and accurate and suddenly dropped XXXX points right before buying a home, for absolutely no reason. Called all account holders, no issues or concerns, called Transunion told computer did it and they cant do anything to fix or resolve it. 
No reason for decline of credit and its now harming myself and family before home purchase. They refuse and declined to repair or fix this. No other reporting agency shows any negative information or impact. Tried to order and acces own credit report and wont allow me access to my own report. Logs off and wont allow access. Claims I must call to access report. When I call says already accessed report. No negative on report I can view online through XXXX and XXXX XXXX. Credit increased with other agencies. Please investigate this erroneous harmful error.
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PACIFIC PREMIER BANCORP, INC. (CA)

They stole XXXX $ from my account that was deposited and accepted and processed time after time. They refuse to provide proof of their sending back the funds to the issuer of the money order when the tracking number in the issuers site appears to say money order cashed and processed.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Credit bureaus reporting XXXX XXXX XXXX FOR {$880.00}. I sent my first dispute letter to all 3 credit bureaus on XX/XX/2020, the 2nd letter on XX/XX/2020, XXXX letter XX/XX/2020 and 4th letter sent on XX/XX/2020. Each letter sent was certified mail with affidavits attaches each time. I was challenging the validity of account for a XXXX XXXX account. I started with the credit bureaus ask them to validate the information and every time they stated correct but never provided any information just would update the remarks on credit report as meets standards. I also reached out to the collection company filing a debt verification on XX/XX/2020 and asked them to verify the debt but after 30 days no response from XXXX XXXX. Attached you will tracking information of letter being sent certified to XXXX XXXX with return receipt. while looking at my accounts I noticed that the " Dates Open : varied on credit report and " Dates last active '' also vary on my credit report. I believe I have exhausted all my resources and have not received a sufficient response from collection agency or credit bureaus. At any point during my request has anyone provided any information or updated me properly on what was found so I could understand why this account is valid. At this point I'm trying to purchase a home and improve my credit situation but as I reach out to the credit bureaus I have receive no assistance.
Consumer complaint received 2021-03-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

Portfolio recovery associates did not notify me of a lawsuit. Then got a default judgement on a debt that was outside the statute of limitations. Last payment of debt reported XX/XX/XXXX judgement was filed XX/XX/XXXX. XXXX is 3 years in my state
Consumer complaint received 2021-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NC)

I fear I am the victim of discrimination by the American Express corporation. I received a promotional offer on my account to upgrade from their Hilton Surpass to their Hilton XXXX card, yet when I accepted their offer they informed me that the offer was not valid. Their response is very obtuse, puzzlingly alluding to some vague, unspecified issue that they claim may or may not have impacted my account. Amex asked me to be patient while they researched this issue, as you'll see in their correspondence to me from XX/XX/2021 ( copy attached ), but over six more weeks have passed and I still do not have resolution to my concerns. Further, overwhelming evidence is amassing on various consumer websites suggesting, strongly, that other Amex customers encountered the same issue yet were upgraded, given preferential treatment for not complaining to the XXXX  or CFPB. I have a perfect payment record with Amex and am sickened and repulsed by their callous, dismissive treatment. I ask that you launch an aggressive investigation.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have sent letters to all credit bureaus XX/XX/XXXX in regards to reporting an XXXX  under my public record that was not verified and not provided by the XXXX XXXX  court directly. I reached out to the XXXX XXXX  XXXX XXXX XXXX XXXX North Carolina and confirmed verbally that to don't provide info to 3rd parties that are not included in the initial case. ( XXXX XXXX, XXXX, XXXX XXXX Transunion are not included included in any of the court case information ) In the letters I sent I requested that they remove the XXXX  from XXXX XXXX XXXX NC XXXX, Identification Number : XXXX XXXX Dated Filed : XX/XX/XXXX with all credit bureaus XXXX XXXX, XXXX XXXX XXXX XXXX Transunion XXXX due to reporting inaccurate and/or incomplete, unverified information concerning my public records in consumer reports. I have not received any correspondence back from any of the credit bureaus within the 30 day. When I didn't hear anything back, I sent XXXX XXXX  XXXX XXXX XXXX XXXX North Carolina a letter for a written statement instead an verbaI conversation had with them so I could file a complaint with the CFPB because I feel like the credit agencies are not taking my request seriously enough to respond. I sent in Personal Information update request with the credit bureaus and got a response from only so far was from XXXX ( which is still incorrect ) but No one responded to the Public record correspondence I sent in.
Consumer complaint received 2020-12-05
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: Experian Information Solutions Inc. (FL)

Hello! 

The credit bureaus have responded that I must verify my identity but I have been calling countless times for them to explain to me in more detail how I should proceed and they leave me several minutes on the line waiting and they do not answer me. They are affecting my credit with erroneous information and on top of that they play with my time making me wait and then not solve anything. I want them to immediately open an investigation with my disputes since it has only been me who has been sending letters.
Consumer complaint received 2023-05-01
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Credit Systems,Inc. (SC)

Following up on contents received as a result of CFPB complaint XXXX. 

This company never obtain permissible purpose in order to furnish any account on my consumer report. In addition to that Charges highlighted in box labeled charges on exhibit A are inconsistent with the same alleged additional charges highlighted on exhibit A and exhibit B. 

I never received supporting documentation evidencing the dates alleged charges occurred. How can this be accurate when exhibit B list credits which are not listed in exhibit A in the box that details payments and credits. 

This can not be validated. 
This company also keep reinserting the fraudulent account information without sending me supporting documentation of any verified results, further damaging my credit score and financial reputation. 
The open dates dont match. This information is FALSE! 

This company is to block and remove this fraudulent information from my consumer report and never reinsert it again! This is aggravated identity theft since NCS never obtained permissible purpose to furnish any account related to me.
Consumer complaint received 2021-10-06
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. (PA)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (TX)

This account is inaccurate, I have spent 2 years disputing TWO accounts. Both by mail and over the phone. I even paid it to get it removed from my credit report! They continue to report inaccurate information.
Consumer complaint received 2019-05-03
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. (FL)

Accurately I am ask the credit bureaus to report and correct the problem however they have not been able to number one send me a fresh reported the method of verification on how they investigated the accounts these accounts are reporting accuratelyBasicallyThe date of last activity in the amounts don't match my records need these accounts investigated or deleted from my credit report I am asking that you XXXXAs proof that these accounts were not investigated properly thank you.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong addresses that do not belong to me. 
There are late payments and other accounts that are reported late that are not true. 
I see an accounts that does not belong to me.
Consumer complaint received 2022-07-14
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)

I opened a savings account with this company that said they will then loan me funds from this account BEFORE I fund it. They would report the account as a loan but they did not disperse any funds to me or to any account in my name. I did not receive any monies from them nor did i have control over any account that had monies in it. I would pay a monthly amount and the monthly amount would be reported to the credit agencies as a " payment ''. That " payment '' would then go into my savings account and would be untouchable by me. After awhile I realized that this is borderline illegal if not openly illegal. There was never a loan and there were never any real payments on a loan. After i requested to close the account, I was given a 30 day late for 'missing a payment '.