davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

On XX/XX/XXXX of 2023, I mailed a letter to Equifax, XXXX, and XXXX to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an update credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/XXXX of 2023, I mailed a letter to XXXX, XXXX, and Transunion to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an update credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2018-04-27
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

We have a reverse mortgage that was sold to XXXX  XXXX in XXXX, XXXX last year. On XX/XX/XXXX our home was severely damaged by a tree that fell during a high wind storm. We contacted XXXX and received a packet of forms which we had to complete and submit including instructions that all home repair checks from our insurance company would come made out to us and XXXX. We were instructed to sign any checks and send them to XXXX. The amount of the first insurance dispersal was {$43000.00} which represented the actual cash value from the XXXX insurance estimate. We have replacement cost on our homeowners and XXXX procedure is to reimburse the balance after the work is complete. XXXX told us they would take 5-10 business days to process the paperwork and would then send us a check for only {$40000.00}. We were told that XXXX uses regular mail to send the check unless we provided a paid overnight USPS envelop. XXXX received the forms onXX/XX/XXXX and check on XX/XX/XXXX. I called XXXX Draft Loss Customer Service on XX/XX/XXXX and was told that our paperwork had not been processed. I called again on XX/XX/XXXX and the customer representative told me he would review the paperwork at that time, which he did and told me we would receive a check in 3-5 business days as he was approving our paperwork but it takes XXXX that long to disperse the check. I called again today XX/XX/XXXX and was told that no check was dispersed because I needed to provide additional paperwork. This was the first that we were told of any additional paperwork. I explained to them that they are holding only the first insurance dispersal, that they had all of information since XX/XX/XXXX and that our General Contractor has been working 2 months with no money. I have provided the additional information today and was told again that it will take 3-5 business days plus the extra 2 days that it takes for USPS to send mail to XXXX County MD from XXXX, XXXX. XXXX should not be allowed to hold this money, should provide EFT money transferal, and owes me interest on the money they have held. It is outrageous with computers that it takes XXXX this long to process and disperse a check.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to delete the following information in my file. The items I need to delete are listed in in the report. I am a victim of identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-04-12
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)

I am writing to delete the following information in my file. The items I need to delete are listed in in the report. I am a victim of identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-04-12
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

The loan is with Dividend Finance, it was taken by XXXX XXXX a sales person with XXXX XXXX while at my residence on XX/XX/22. I did not sign the initial DocuSign documents, the sales representative did. I was shown through a presentation that my monthly payments with them would stay the same while electric costs would just rise. Nothing about interest rates changing and nothing about a balloon payment. It was explained to me that no payment would be due at all until after installation was completed. My solar panels still have not been installed. However, Dividend emailed me XX/XX/22 a " notice of completion '' to which I promptly notified them back in writing that installation was not completed. The solar panels were not connected to my house. They still remain unconnected to my house to this day. I repeatedly tried to resolve this with the contractor, my utility and the finance company. So, I did not ever sign the DocuSign sent to me. Is one issue, the next is the change in interest rates was never disclosed to me. The balloon payments were never disclosed. Also, and most importantly, the item that the loan is for has never actually been completely installed. The contractor abandoned the project. The lender has been notified multiple ways including on the XXXX  and via their website and email.
Consumer complaint received 2023-04-12
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: EQUIFAX, INC. (FL)

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


Personal information : Wrong name Variations XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. The only correct name is XXXX XXXX XXXX. 
Other incorrect personal information are wrong phone numbers ; ( XXXX ) XXXX, ( XXXX ) XXXX. Other wrong personal information are addresses ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX  XXXX, FL XXXX, XXXX XXXX XXXX XXXX  XXXX, FL XXXX, XXXX XXXX XXXX XXXX, MA XXXX. My only correct address is XXXX XXXX  XXXX XXXX XXXX, FL XXXX. 

the following accounts are also fraudulent and need to be removed off my credit reports ; XXXX  XXXX XXXX XXXX XXXX ( {$550.00} ), XXXX XXXX  XXXX XXXX XXXX ( {$2800.00} ), XXXX  XXXX # XXXX ( {$260.00} ), XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX ( {$1300.00} ), XXXX XXXX XXXX- XXXX XXXX ( {$750.00} ), XXXX XXXX XXXX  # XXXX XXXX {$820.00} ), XXXX- # XXXX ( {$2700.00} ), XXXX # XXXX ( {$12000.00} ), XXXX XXXX # XXXX XXXX {$600.00} ), XXXX XXXX # XXXX XXXX {$460.00} ), XXXX  XXXX XXXX  # XXXX XXXX {$720.00} XXXX, XXXX & XXXX # XXXX ( {$700.00} XXXX XXXX XXXX XXXX # XXXX ( {$5900.00} ), XXXX XXXX # XXXX ( {$2700.00} ), XXXX XXXX # XXXX ( {$1700.00} XXXX, XXXX XXXX # XXXX ( {$970.00} ), XXXX XXXX XXXX XXXX # XXXX ( {$140.00} ), XXXX XXXX # XXXX ( {$5600.00} ), XXXX XXXX # XXXX ( {$780.00} ), XXXX XXXX XXXX # XXXX ( {$2800.00} ), XXXX # XXXX, XXXX # XXXX ( {$820.00} ), XXXX XXXX # XXXX ( {$1700.00} XXXX XXXX XXXX XXXX  # XXXX ( {$8000.00} ), XXXX XXXX # XXXX ( {$970.00} ), XXXX XXXX XXXX XXXX XXXX ( {$2400.00} ), XXXX XXXX XXXX # XXXX ( {$10000.00} ), XXXX XXXX XXXX # XXXX ( {$10000.00} ), XXXX XXXX XXXX # XXXX ( {$600.00} ), XXXX XXXX XXXX # XXXX ( {$120.00} ), XXXX # XXXX ( {$370.00} ), XXXX # XXXX ( {$970.00} ), XXXX # XXXX ( {$1700.00} ), XXXX # XXXX ( {$8000.00} XXXX, XXXX # XXXX ( {$10000.00} ), XXXX XXXX XXXX ( {$600.00} ), XXXX # XXXX ( {$120.00} XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-04-28
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. (AL)

Citi Group has decided to regulate how the card user can utilize the card for purchases. This wasn't included in any agreement when the card was opened for the consumers use.

The new rules Cit bank has created limits purchases that state NO firearms / weapons are allowed to be purchased without a background check on the charge cards.

Any FFL dealer by law, does this check prior to any sale anyway. Limiting what accessories that can be purchased with the charge card is discrimination to the account holders choice of " free purchase '' decisions made in the USA.

I am a valid XXXX XXXX XXXX, XXXX veteran and have worked in XXXX XXXX.

Limiting my accessories capabilities for my weapons is preposterous.

This act by Citi Group is a complete dictatorship type control when the account is based solely on the consumers approval to obtain, usage of the cards, and remitting payments against purchases made on the accounts. Lack of use of any account doesn't net profits Citi Group in any way shape or form.

If this idea of selecting only " specific '' items not allowed to be purchased was not in the agreements when the card was opened. I would've selected a different card company to conduct business with if that had been the case. Pretty simple.

Furthermore, I'll be paying off my account with Citi Group just for this reason, and will not be using the card for anything else from here on out. It appears Citi Group has more than enough customers and business profits elsewhere to thrive on to allow this outrageous act to slam their quarterly gains/profits as a major banking institution.

This was a serious poor decision on this banking institutions behalf. This company 's decision to act on events that happened in the USA ( which doesn't concern them ) stemming from " other entities type violence '' shows how easily coerced Citi Group really is. Not good for any consumer wishing to sign up for a credit line with Citi Group.

I'm guessing they forgot who bailed them out when times were tough during the recession of 2007?
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-04-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed. This is not only effecting myself, but my children and family as well.
Consumer complaint received 2023-04-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT # : XXXX
Consumer complaint received 2023-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CO)

Mohela is not even processing my PSLF application. They are closing it as a duplicate or canceling it. There isnt a duplicate or at least an approved XXXX so this pushes the processing time even further due to their mistake. I submitted a total of XXXX applications to Mohela, all for different employers, but they appear to only have processed XXXX of them while closing the rest as duplicates. Because of this, I am only receiving XXXX qualifying payments, when I should have close to XXXX qualifying payments. I have attached a copy of the employment applications that need to be added to my account. Please note, my identifying information has been removed for my security but was present when the forms were sent to Mohela. 

The applications for The XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX were provided on XX/XX/2023, along with the application for XXXX XXXX XXXX. The application for XXXX XXXX  was provided to Mohela in XXXX. Their website reflects it was processed, but no qualifying payments have been awarded, likely because of the XXXX other missing employment periods. This employment is not showing as approved on my qualifying payment statement.
Consumer complaint received 2023-04-12
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. (IN)

TransUnion and XXXX have incorrect amounts, that are and have been paid in full, on my credit report. TransUnion and XXXX have been notified of the inaccurate information at least 4 times for the XXXX XXXX account that has been paid. It should be noted that collections accounts were paid on XX/XX/2022, and that I have subsequently disputed 6 collections accounts with an average of 4 disputes per collection account corrected of inaccurate information. When I filed the dispute for XXXX XXXX, after paying off the account over 45 days ago, TransUnion duplicated the collections account and left it on there even after being notified 4 time through dispute that the original amount has been paid. TransUnion removed the duplicate amount of the full collection duplicated amount, and posted a duplicate XXXX XXXX  account with the difference between the offered settlement, which I paid, and the total collected amount. There is no way that TransUnion could know the difference unless they knew the account was paid. I have it on recording that the settlement offer will reflect paid in full. This in no way justifies TransUnion taking on average of over 4 months to correct inaccurate information. This in no way justifier TransUnion purposely administering targeted discrimination against me. I have filed a previous complaint regarding exactly this scenario. Now we are almost half a year into correcting inaccurate information on my credit report. At this point disputes are incurring me retaliatory charges. I submit that TransUnion and XXXX are engaged in illegal and discriminatory business practices and I desire to follow up to the full extent of the law. If TransUnion and XXXX have inaccurate information, especially after being notified 28 times ( 7 accounts 4 disputes each ), for half the year, then what good are they? Do other people have to file 4 disputes each on accounts paid? Do other people have to wait 6 months to have inaccurate information removed? Are TransUnion and XXXX currently engaged in discriminatory business practices directed at me? Im going to file a complaint with the State as well. This is highly unusual business practices, and the amount of time to correct paid accounts is completely unacceptable. The targeted retaliation is icing on the cake
Consumer complaint received 2023-04-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (VA)

In end of XXXX, 2023, I received a letter from Wells Fargo advising that they would be closing my checking and savings account in XXXX ( although they " reserve the right to close the accounts sooner '' ). The letter referred to a " recent review of our account relationship '' and " the bank 's responsibilities to manage risks in its banking operations. '' No further explanation was provided. I have been a customer for well over a decade. There have been no recent changes to my accounts or activity. There have been no accusations by me of any fraudulent activity. I am a XXXX XXXX XXXX and not involved in any business or personal activities that could be considered " high-risk. '' There is no apparent reason why my accounts were closed in such an abrupt and disruptive manner. Neither I, nor the banker at our branch, have been able to determine what prompted this decision. The sudden account closure has caused significant turmoil resulting from the requirement to open a new account with another financial institution and, thereafter, notify each of the many companies we are doing business with of the changes, so as not to disrupt our ongoing responsibilities for mortgage, utility, and the many other payee/payer relationships associated with our routine life.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-04-12
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: Experian Information Solutions Inc. (GA)

1. XXXX XXXX, Account number XXXX is fraudulently published on my personal file. On XX/XX/XXXX I spoke with XXXX, a XXXX XXXX representative, she verified that my social security number is not linked to a mortgage in their system nor have I ever had a mortgage with XXXX XXXX. Even more important, I have NEVER assumed a mortgage thus far in my life. This account is not mine and I want it deleted from XXXX, XXXX and Experian credit report files. Thank you. 

2. On XX/XX/XXXX, XXXX XXXX put a hard inquiry on my XXXX credit report. I have disputed this twice as inaccurate and fraudulent. XXXX replied on XX/XX/XXXX with results being verified as accurate however according to my XXXXXXXX XXXX - Inquiry Impact Complaint conversation, reference number XXXX, my social security number is not in their banking system. Please investigate and delete this inaccurate information from my personal credit reports reports. Thank you.
Consumer complaint received 2024-08-29
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. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account XXXX : XXXX
Consumer complaint received 2023-04-12
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. (GA)

1. XXXX XXXX, Account number XXXX is fraudulently published on my personal file. On XX/XX/XXXX I spoke with XXXX, a XXXX XXXX representative, she verified that my social security number is not linked to a mortgage in their system nor have I ever had a mortgage with XXXX XXXX. Even more important, I have NEVER assumed a mortgage thus far in my life. This account is not mine and I want it deleted from Equifax, XXXX and XXXX credit report files. Thank you. 

2. On XX/XX/XXXX, XXXX XXXX put a hard inquiry on my Equifax credit report. I have disputed this twice as inaccurate and fraudulent. Equifax replied on XX/XX/XXXX with results being verified as accurate however according to my XXXX XXXX  - Inquiry Impact Complaint conversation, reference number XXXX, my social security number is not in their banking system. Please investigate and delete this inaccurate information from my personal credit reports reports. Thank you.
Consumer complaint received 2023-04-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WI)

I noticed FRAUDULENT accounts on my credit report in XXXX of XXXX and have disputed these accounts several times since then with no results. This has held me back from getting a vehicle under favorable terms, an apartment in my name, and countless other missed opportunities. I need these fraudulent accounts removed from my credit profile/consumer report as soon as possible. 

I've attached my most recent dispute letter, a copy of my Equifax credit report and a copy of my Identity Theft Report.