davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc. (MI)

I have reached out to the credit bureau several times in regards to open accounts that do not belong to me. The following accounts do not belong to me : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
These disputes were send out XX/XX/2023 and no response and causing me to not be able to purchase my home. I need this to be removed Immediately. Name is showing inaccurate which should only appear as XXXX XXXX and my only address is that should appear is XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX. If not removed further action will be taken. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2019-11-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (OR)

I opened an account for a promotional bonus of {$400.00} if I deposited {$15000.00}. I applied for the account XX/XX/XXXX, sent additional paperwork on XX/XX/XXXX and received an email on XX/XX/XXXX that my account had been activated and on XX/XX/XXXX I received my debit card and opened the account. Now that the account was finally opened, I deposited the required funds on XX/XX/XXXX. This should fall within the 30 day period as my account was not active until XX/XX/XXXX. I have emails to verify this information and had inquired prior to that whether I could deposit funds because I di n't want to miss the promotion, the entire reason I chose Citibank, and was not able to. I called in late XXXX XXXX to ensure that I was all set for the promotion and was told that I was good to go and would receive the money before the end of XXXX. Last month I contacted Citibank again to inquire about the funds and was told that they count the first day I applied as the start of 30 days despite the fact that I was not able to deposit funds then. I just talked to them again and they said the same thing. This is baffling and feels a whole lot like fraud.
Consumer complaint received 2019-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX ; XXXX  and Transunion are reporting incorrectly a ( 30 ) day late on the XXXX XXXX partial account number XXXX. ( Please see page 4 of my credit report attached. ) I normally receive a paper statement each month on this account delivered by US mail. I never received a statement. When I realized I never received this bill, I immediately paid it. The payment was made on time, however XXXX XXXX did not apply this payment in a timely manner. They have now zinged me with a late payment. This incorrect reporting is harming my credit score and this late needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2023-06-14
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. (MI)

I have reached out to the credit bureau several times in regards to open accounts that do not belong to me. The following accounts do not belong to me : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These disputes were send out XX/XX/2023 and no response and causing me to not be able to purchase my home. I need this to be removed Immediately. Name is showing inaccurate which should only appear as XXXX XXXX and my only address is that should appear is XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX. If not removed further action will be taken. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consume
r report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2021-02-12
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)

I sent XXXX XXXX, & equifax documentation over 30 days ago and they have violated FCRA and not removed which is required if not resolved or no response within 30 days. Equifax told me all collection charge off and loans were deleted except for 3 trade lines and they lied and are still reporting it. They even provided me two confirmation of deletion numbers. They are still showing on my credit. The disputed items need to be deleted from my credit file, all accounts showing closed in collection or charge off status are fraud. I sent them ( XXXX ) 3 identity theft reports and FTC report. I sent my driver license, social security card and utility bill and all info requested to validate my identity. They are refusing to delete the items.
Consumer complaint received 2019-11-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kramer & Frank, P.C. (MO)

The company, Kramer and Frank PC have made an attempt to garnish my wages but have a specific representative tied to my account who will not return my phone calls, leaving me in a position of having just a few days before they attempt again to garnish my wages. I had previously worked a payment agreement out with Kramer and Frank and then one day roughly two years ago they revoked my access to their online payment site and ceased contacting me until last month when on XX/XX/XXXX I received a letter from my financial institution stating the above about wage garnishment. I would like to simply return to my payment agreement and continue to pay down my debt but they are using these tactics to extract more money from me.
Consumer complaint received 2019-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Im submitting this complaint with XXXX because my credit score was negatively impacted due to XXXX reporting late payments against me. My credit report shows late payments were reported during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was a loyal customer to XXXX ever since I received my Credit Card in XX/XX/XXXX and I always made my payments on time. I had the ability to pay my bill to XXXX  for the months reported as late and I scheduled my payments to be withdrawn from my bank account on-time for those bills. XXXX  either did not properly send a request for payment from my bank, or did and something prevented the money transfer to XXXX. I was never properly informed by XXXX about any impending or existing missed payments on my account for the months reported as late. I also never received any indication from my bank account of a returned item due to not having proper funds in my account to pay my bill to XXXX. I only found my original payments were not posted when I logged into my online XXXX  account. I immediately paid my bill with my debit card and confirmed with my bank the following day to ensure the payments had successfully been transferred to XXXX. 

I'm only bringing this issue to the attention of others now because I did not know XXXX was reporting any of these payments as late to credit reporting agencies until I reviewed my credit report earlier this year. I have been negatively impacted when trying to apply for other forms of credit for almost 6 years due to late payments on my record caused by XXXX Since these late payments are not the result of my wrongdoing, and due to the circumstances listed above, I respectfully request for XXXX to remove the late payments during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please consider my track record of on-time payments as proof I take my financial obligations seriously. 

If you have any questions, or require further information from me, please feel free to contact me at your convenience.
Consumer complaint received 2024-10-11
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Bank of America and the pandemic unemployment benefits in 2020 they denied the claim for whatever reason then they send me a letter stating they know they caused me financial harm during the pandemic and to submit paperwork showing them the damage they caused me by me not getting access to the funds on the card due to fraud well I submit all the paperwork throw this XXXX company they have working on there behalf for the XXXX and its been over a year no response then they reopen the claim from 2020 for XXXX XXXX  and Im like finally maybe I can begin to move forward but instead of paying the claim as they should have they add insult to injury and tell me that they are reviewing a claim thats already been reviewed and no provisional credit has been provided or anything and they are the one who contacted me once I submit a complaint to CFPB they send me an email to the resolution department telling me to reach out which I did and they are supposed to respond within 48 hours well its been 4 going on 5 days and I can count thats way more than 49 hours why are they prolonging something that they have already admitted to fault of who does this I lost my home my car due to Bank of America shutting down my card sending the new one to the wrong people all because of there faulty system that couldnt the real customers from the fraudsters during the pandemic I just want to get my life going and the XXXX would have been a little bit of a start why wont they just pay what they owe instead of misleading people if the claim has been reopened why isnt treated like it should be after 10 business days if they are still investigating they should pay the provisional credit and continue with the investigation on there own why must I continue to suffer that is the FDIC promise that if they havent came to a decision within 10 business days the provisional credit is added to the account and they continue the investigation on there own why are they not doing whats promised I need the money its mine I never received it and I would like it back Bank of America is misleading consumers with these extended periods of them acting like they are going to fix what they screwed up just like The XXXX  process is just a bunch of XXXX  to make it seem like they are doing whats required of them so they wont get fined again when they are not its all smoking mirrors just buying them time I want the money that they owe me not an email telling me to contact a answering service and wait for someone to call me back with 48 hours and its going on 5 days and still not contact just give me my provisional credit and do as you say which they are not in compliance with federal FDIC or whoever laws they are just screwing people over however they want with no ramifications
Consumer complaint received 2019-03-01
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: Innovis (NY)

My identity has been compromise, account that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an FTC report had been file and it's attached to this complaint, a police report will be filed as is requested by FCRA. None account holding inquiries and any address other than my current should be removed, opt me out of all pre-screening offers and opt me out of your systems.
Consumer complaint received 2019-03-03
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Control Technology, Inc. (OH)

I sent off a letter for the company to validate the debt they say I owe they sent me back a letter stating they did not have enough information when I included all the information I wanted to be validated I asked them to validate the amount of the debt how they came up with the amount who was the original creditor and several other questions they in return write me back asking me for supporting documentation and a list of other things I feel like this is a tactic for them to get me to validate the debt on my arm which I will not do because it is their responsibility first off this just appeared on my credit they never sent me a letter giving me a chance to even pay it
Consumer complaint received 2023-06-12
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (SC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2019-02-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: M&T BANK CORPORATION (NY)

I have an outstanding debt with M & T bank and when I tried calling them they said it was moved to a collection agency and I needed to work with them, Ive never recd a letter but I did get phone calls I asked the agency to send me in written or email my debt it took 3 calls to finally get this letter emailed to me and when I tried calling them to arrange a payment I dont get a call back 1 week later I get a call from the agency ( XXXX XXXX XXXX ) they call me during my work hours Ive asked for them to all me after XXXX est time and they never do they only call during the day which I cant take. Ive left several voice mails to this agency after work to have them call me back. Its not right that they only can call while Im at work esp since this is a dent and a private matter for my coworkers not to know. Im looking to resolve this and get it off my credit report
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I FILED CLAIM ABOUT XXXX  XXXX TAKING WRONG AMOUNTS OUT EVERY MONTH WELLS FARGO ACOUNT XXXX REFUSED TOO HELP ME GET MY FUNDS BACK TOLD ME TO CONTACT XXXX  XXXX.
Consumer complaint received 2023-06-14
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. (NC)

I want to inform the 3 Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to REMOVE any accounts listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}.
Consumer complaint received 2019-11-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (AZ)

MTH Mortgage Company is owned by XXXX XXXX. I was purchasing a new home, and was told that I qualify without selling my current home as I could take money from our XXXX. Turns out that the XXXX is a non-qualified plan that does not allow withdrawals or loans until you are separated from the company. The mortgage company approved us having 3 mortgages ( we have a rental in CA ). Not sure how, unless they do not want us to eat or pay any utilities. They have retained EM plus options and upgrades monies in the amount of {$22000.00}. We understand that they need to keep the earnest money deposit, however even a partial refund of the options and upgrades would go a long way. The loan company was well aware that we could not get into this house unless we sold our current home.
Consumer complaint received 2022-05-19
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA (NY)

In accordance with the fair credit reporting act XXXX Acct. # 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 instruction.

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 any purpose.
Consumer complaint received 2019-02-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 
COMPANY 'S INTERIM RESPONSE When we were notified of this case, we called you at XXXX on XX/XX/XXXX, and XX/XX/XXXX, to discuss the situation. We left a voice message with our name and contact information for a return call. Although we began researching your concerns right away, we need more time to complete it. Please expect a letter from us when we have an answer. Thank you for your patience. 
XXXX This is unacceptable AND MORE LIES FROM CHASE This Issue first occurred in XX/XX/XXXX 2018
Consumer complaint received 2020-12-01
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: Credit Plus Inc (GA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, Credit Plus add a hard inquiries on my credit reports per XXXX, XXXX  and XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.