davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

On XXXX 2018 I applied for a car loan with XXXX XXXX XXXX I specifically signed document not to share or make inquiries into my credit from any other financial institutions aside from XXXX credit! They made inquiries for over 30 days attempting to finance my purchase with over 12/14companies some companies twice for the same loan, I accumulated over 22 inquiries for one car loan application!! which I never gave written authorization or consent to do so I contacted the finance department at XXXX & they agreed to get those inquiries removed which they never happened. I was also told it would not affect my credit score because it would only count as on inquiry but it took more than 48 points from my credit score.I contacted all of the credit bureaus for assistance with no response or results.
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. (MN)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2020-04-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff in the amount of {$23000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The motorcycle was stolen shortly after it was purchased. I had full coverage and the insurance covered all costs associated with the theft of the motorcycle. There is no outstanding balance to report and consequently there is nothing to chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-08-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A. (CA)

On XX/XX/2019 I attempted to make a purchase at XXXX XXXX in XXXX XXXX, CA for {$2900.00}. My card declined the purchase and the transaction was canceled, but my bank statement showed a pending charge. I did not leave the store with the item I intended to buy, nor did any receipts print. XXXX XXXX checked their register and confirmed the purchase was canceled on their end. I called Citi Bank customer service the next day, XX/XX/XXXX, to make sure the pending charge is dropped. They ensured me it would be dropped in the next 10 days but it never did. I had to call back again 10 days later, when I say the charge was put through. I was given a case number and told it would take 90 days for the investigation. There was minimal correspondence from them and when I asked for more information about the case, I did not get any. On my last phone call with Citibank, I was informed that they put temporary funds in my account while the case was being looked at. Apparently, they still needed to hear back from the XXXX XXXX store to move forward, saying they had sent an email. When I contacted the store to move along the process, they had not received any correspondence but assured me that when they heard from Citibank they would informed them that the transaction was not completed. Since I had not heard back from either parties, I assumed the case was resolved, however, on XX/XX/XXXX, I noticed the money was taken out of my Checking. I called a representative and they told me the case was closed an denied. I asked to speak to a manager and was not given any helpful information about how to proceed. This situation has gone on for too long and they did not seem like they were taking the claim seriously. This is a lot of money that they are withholding and I feel as though I have no control in the situation at all.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (CA)

Ive contacted the following creditors : XXXX XXXX XXXX XXXX XXXX T.D. Bank XXXX XXXX And the all three credit bureaus : XXXX XXXX XXXX, To remove all late payments as I agreed to pay-to-delete and goodwill  deletions with all creditors however I did not get it in writing and they are refusing to delete rom my credit. Please kindly advise.
Consumer complaint received 2023-08-16
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. (TX)

On or about XX/XX/2023, Citibank Mastercard acknowledged receiving my payment in full, and knew that the payment cleared my bank at Wells Fargo, but did not release the payment for two weeks and were holding it making money leaving it in their interest bearing general bank fund for Citibank. 

Citibank calls this new policy floating the payment, and it is illegal because they do not disclose that this will happen, and have no real justification for it as I have made all my payments on time and have been in good standing. 

Need your help to stop this illegal practice.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The account was to show a XXXX balance on credit reports and paid in full. It does not. Their pdf was not attached to the complaint or made available to me only the words and nothing as a clickable link to download and view. I need this. They need to report the information to the credit bureaus appropriately.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is not mine. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WESTERN UNION COMPANY, THE (CA)

On XX/XX/2020 Western Union took out {$500.00} from our checking account via ACH for no reason. On XX/XX/2020 I filed a complaint with Western Union to get my money back. We do not use Western Union to pay bills. We use Western Union to receive money via quick collect. I have called 4 times and the only response I get it is being escalated. On XX/XX/20 I talked to operator XXXX  who stated I will have an answer in 2 days and to call back. I called today XX/XX/20 and the only thing they say is being escalated now to the bill pay department. I have been on the phone for 38 minutes with no resolution. I want my {$500.00} back plus interest from XX/XX/20 as well as an apology for taking out my money without permission.
Consumer complaint received 2020-04-23
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. (CA)

EXPERIAN is depicting a XXXX, charged off account with what I believe to be inaccurate information in the payment history.The account is saying the date of first delinquency was XXXX believe this to be entirely incorrect because my financial implosion was much earlier.I think the XXXX days late began at least 6 months earlier or more because perhaps it was forgiven maybe because ... XXXX am a military veteran with an account that was good for seven years which might have seemed to help at the time but does not help now.So ... .the inaccurate payment history with the inaccurate date of first delinquency should cause this account to be removed from my Experian file right now.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (TX)

XX/XX/2014 balance {$41000.00} Called to dispute old balance from XXXX XXXX XXXX be removed from my credit file because it is affecting my credit worthiness. The files were not removed and now Navient has the student loan files showing as closed and transferred still with the same balance of {$41000.00}.
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Experian Information Solutions Inc. (MD)

I noticed on a recent XXXX statement that I was being billed {$29.00} for an Experian membership. I contacted XXXX XXXX XXXX XXXX to inquire about the charge and was told that in XXXX, 2018 I had been charged a {$1.00} fee by Experian for a membership. I must have signed up for a trail membership although I do not recall doing this. Subsequently, I had been being billed {$29.00} monthly since then for a service that I had never used. I remember getting emails from Experian that I honestly thought were scam emails and deleted them. I was finally able to contact Experian and was told that I had a membership ( which I was unaware of ) and that I could cancel it which I immediately did. I explained the situation to the representative who mentioned that another department could confirm whether or not I ever used the service and would handle the reimbursement and that she could transfer me to that department. I was never successfully transferred because the phone call dropped when she attempted to transfer me. It seems like once I cancelled the membership, Experian has been unavailable to discuss the reimbursement. 
I have been trying to contact Experian almost daily since then to no avail. The customer service phone numbers listed for Experian online literally reroute you unsuccessfully ( including dropping your calls ). Again, it seems like this has been the case after I cancelled the membership.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2019-08-09
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION (TX)

I recently paid my mortgage in full in which I had a loan through M & T Mortgage. I requested a payoff quote a few months ago and there were specific wire instructions that I had to follow explicitly. The wire was submitted on XX/XX/2019. I received a notification that M & T reported my account as closed and delinquent on XX/XX/2019. This dropped my credit score by 72 points. I was livid. Of course, I contacted M & T immediately and was told that because my payment was received on XX/XX/2019 that I was 30 days delinquent. When I know that M & T doesn't report until the first day of the following month. I'm not sure what the motive is, but I need this corrected immediately. Can you imagine paying your mortgage for 20 years on time each month and the mortgage company reports you 30 days late on your final payment? M & T made it as difficult as possible to wire the funds. My bank attempted to wire the funds several times until I finally took the letter to the bank and we literally wrote everything on the wire submittal several times in several different areas. At that point M & T had no choice but to accept the wire. I called M & T on the day at the time the wire was sent to verify that it was received, and I have a receipt from my bank. It states on my credit report that I was delinquent, paid on time, and consumer closed account. Versus stating paid in full. I did not close the account and I was not delinquent ; I paid the account off over a 20-year period. I would like this correct immediately to state paid on time and paid in full.
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/2020 Comenity Bank via my XXXX XXXX XXXX charged me the deferred interest on a 12 month promotional financing plan at the conclusion of my 12 month cycle. The billing cycle payment date was XX/XX/2020. I have multiple store cards that have promotional financing that syncs the payment date with the expiration of the promo financing. Comenity Bank sticks the expiration in the middle of your payment cycle so that if you're on autopayment you'll miss the expiration and end up having to pay the deferred interest charge. This seems like it's on purpose. We paid our bill on time every money ( splitting the balance across 12 months ). I phoned Comenity through XXXX XXXX and asked for the reversal of the finance charge of {$160.00} as we were only 7 days late ( difference between the promo end date and the payment due date of the card ). I spoke with a supervisor and was told that they will not do a courtesy reversal. This is an obvious attempt to mislead credit card users by not lining up the promo expiration date with the final payment due date.
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 945k purpose.
Consumer complaint received 2019-08-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (FL)

Fraudulent Auto Loan Company or Organization : Navy Federal Credit Union Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$30000.00}
Consumer complaint received 2019-08-09
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. (NY)

Hello! I changed my name legally in 2016, and I provided the credit bureaus ( XXXX, XXXX and Exoerian ) with my court ordered name change via certified mail. I have been trying to apply for apartments with people asking why isn't not pulling up. I have even been declined a prepaid Visa credit card due to this and it's ruining my life. I went to the Social Security office in XXXX and they told me that I should report the credit bureaus. I am credit invisible. Please help!
Consumer complaint received 2019-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello! I changed my name legally in 2016, and I provided the credit bureaus ( XXXX, TransUnion and XXXX ) with my court ordered name change via certified mail. I have been trying to apply for apartments with people asking why isn't not pulling up. I have even been declined a prepaid Visa credit card due to this and it's ruining my life. I went to the Social Security office in NYC and they told me that I should report the credit bureaus. I am credit invisible. Please help!
Consumer complaint received 2019-08-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group (NV)

I just received a summons that Im being sued by Velocity Investments , llc. This is the first correspondence Ive received from this company regarding this matter.

After reading through the summons they are suing me over a loan from a bank Ive never taken a loan out from.
Consumer complaint received 2020-04-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (AL)

Rushmore Loan management XXXX will not permit applying for loan modification online and direct you to call. However, they do not answer the phone and the phone directs you to go online. 

I have spent hours trying to reach this company to no avail. Many times they tell you to call back during business hours but it is during business hours. 
Rushmore recently bought my loan from XXXX and they are a sham! 

They need to be required to staff appropriately to meet the needs of their customers during this critical time. 

It is unacceptable to just ignore refinancing, loan modification and other needs of customers.
Consumer complaint received 2019-08-09
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: Quality Asset Recovery LLC (NJ)

Quality Asset Recovery LLC account # XXXX amount due : {$3300.00} provider of service : THE XXXX XXXX XXXX Under the FAIR DEBT COLLECTION PRACTICES ACT I am allowed to protect my privacy and medical records from third parties. I do not recall giving my permission to the XXXX XXXX XXXX to release my medical records to a third party. HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization.
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX is reporting my account closed as of XX/XX/2019 when it is not closed it is PAID OFF as of XX/XX/2019, this caused a 69 score point decrease on my Equifax credit file/ report.
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: Experian Information Solutions Inc. (WI)

In 2018 I was a victim of identity theft. I never opened the XXXX XXXX XXXXXXXX card listed on my credit reports I am not requesting a fraud alert be placed on any of my reports.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, and Georgia Fair Business Practice Act ( O.C.G.A. 10-1-390 ) a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and Georgia Fair Business Practice Act ( O.C.G.A. 10-1-390 ) remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX