davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (OH)

XX/XX/XXXX For five years now we have had a nightmare with CitiFinancial. First starting with a personal loan of mine for {$7000.00}, I took {$6800.00} out of my retirement to pay off the loan because the interest was so high on the loan. That left {$200.00} to pay, that was in XX/XX/XXXX well we continued to make monthly payments on the loan until XXXX of that same year. My wife and I contacted the XXXX in charge of our account, she told us to stop paying on the account it was paid and there must have been an error and she would get back with us, well she did and told my wife that she applied {$4000.00} to our mortgage, which she did n't, and {$2000.00} to the personal loan. Also XXXX tried to convince us that is how we directed her to do so, definitely false! XXXX either was fired or resigned during this time from that branch in XX/XX/XXXX. Now we begin getting calls from the branch manager saying we owed full payment of {$7000.00} plus late fees. The branch and Citi have been absolutely no help. They also say it happened during a time they were switching accounts to XXXX XXXX XXXX and they 're not responsible for what happened at that time. They acted as if they 're not responsible for their or the employee 's actions. All I know is they stole {$7000.00} from me and my family and ruined my credit ... There is more Citi has done to us I 'll write in another story ...
Consumer complaint received 2017-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

IN XX/XX/XXXX A DEBT COLLECTION COMPANY CALLED ME ABOUT A XXXX XXXX CREDIT CARD ACCOUNT WITH A BALANCE OF {$670.00}. I DISPUTED IT AS IT WAS NOT MY ACCOUNT. THEY REMOVED IT FROM MY CREDIT REPORT. IN XX/XX/XXXX I RECVEIED A LETTER FROM LVNV FUNDING SAYING THEY RECENTLY AQUIRED THE ACCOUNT AND WERE NOW TRYING TO COLLECT THE {$670.00}. I EXPLAINED AGAIN THAT THIS WAS NOT MY XXXX XXXX ACCOUNT, I CURRENTLY HAVE 2 XXXX XXXX ACCOUNTS IN GOOD STANDING BUT THIS ONE WHICH WAS OPENED 3 DAYS AFTER MY CHAPTER XXXX BANKRUPTCY WAS DISCHARGED ( WHICH MAKES EVEN LESS SENCE ) IS NOT MINE. I CALLED XXXX XXXX AND THEY SAID I HAD TO SPEAK TO THE COLLECTION AGENCY. I WROTE LVNV FUNDING A LETTER DEMANDING PROOF ( STATEMENTS, APPLICATION ) SOMETHING TO PROVE THIS WAS MY ACCOUNT AND I 'VE GOTTEN NOTHING. THEY 'VE NOT RESPONDED TO MY LETTER AT ALL. I WANT THIS REMOVED FROM ALL 3 OF MY CREDIT REPORTS ASAP AS I 'VE BEEN FIGHTING THIS FOR YEARS NOW AND IT KEEPS POPPING UP. THIS IS NOT MY ACCOUNT, AND NO ONE CAN SEEMS TO PROVE THAT IT IS.
Consumer complaint received 2024-10-25
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. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion disputing a late payment reported by XXXX  XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : My payments were made on time, as evidenced by my bank statements and payment confirmation records. These clearly indicate that both payments were processed well before the due dates, and these payments should not have been marked as late. 
Processing Delay at the Bank 's End : There was a delay in the internal processing of payments at XXXX. This caused the payments to be incorrectly flagged as late. After contacting XXXX  customer service, they acknowledged this delay. I have attached correspondence from XXXX confirming that the payments were processed late due to their internal issues, not my fault. 
System Error on Payment Posting : XXXX  payment system encountered an error during the posting of my payments, resulting in the payments being marked late. I provided screenshots and support tickets showing that there was a known system issue during the payment dates. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-26
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. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no XXXX  party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX XXXX, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

Equifax is reporting my credit score as a XXXX however there is absolutely NO information on my credit report aside from that. As a result, my new start-up business has been suffering because I continue to get rejected for funding based on this score. 

According to my rights, Equifax should NOT be reporting any score if they do not have my records. Additionally, per your own information, there have been disputes that were closed on the credit bureau that say they were resolved and clearly they have NOT because there is no record of them on my Equifax report. 

XXXX of the disputes about my name change states that they were happy to tell me that my name was changed however, it is not even provided on the report so how would I know. Additionally, the letter that states it was changed states Dear XXXX XXXX and goes on to state that my name has been changed to XXXX XXXX. 

My name change was a court order for safety as my XXXX perpetrator IS an XXXX XXXX XXXX I need ALL previous names removed from my file. How does ALL of my information get wiped from a credit file while XXXX has everything and XXXX has all of my demographic information and my debts completely wrong?
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am submitting this complaint personally regarding late payments appearing on my credit record. Upon examining my files, I discovered these late payment entries. Despite sending correspondence about this issue more than 30 days ago, I have not received any response, nor have I been provided with adequate verification. I request your help in addressing and resolving this situation swiftly and efficiently.
Consumer complaint received 2017-07-25
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. (IL)

I filed a complain with the Consumer Finance Protection Bureau already ( Complaint ID XXXX ). Transunion responded to the complaint that they had filed an investigation when in fact they did NOT file an investigation. I had to go on to their web site today and manually file an investigation. TransUnion continues to inaccurately report two bankruptcies on my credit profile that should not be there. Chapter XXXX Bankruptcy and a Chapter XXXX Bankruptcy that both belong to another XXXX XXXX. I have sent in the appropriate documentation ( Also attached to this complaint ) proving my whereabouts and address as well as showing my correct identification. Transunion needs to delete these inaccurate records completely.
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XXXX XXXX 2016, I received an hard inquiry on my credit report from this agency. To my knowledge I DID NOT give this company a written or electronic consent to pull my credit report. I will like to see validation with my signature giving them consent to make a hard pull on my credit.
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CT)

XXXX customer service would not help and take care of the negative inquiries reporting to your credit report that were not submitted with my approval or permissions. Unauthorized inquiries : XXXX XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion denied me a free credit report because I received on in the past 12. This is not accurate. The last report I got was XXXX XXXX 2016. I got my credit report no problem from the other 2 agencies.
Consumer complaint received 2024-08-26
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. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the XXXX  XXXX  stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2017-07-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (OH)

XX/XX/XXXX
   Recently while checking our credit report we noticed CitiFinancial is showing us as delinquent on our mortgage payments, We have consistently made our payment on a prepaid bank card and the receipts and dates are all downloadable and printable from the card. But Citi shows us as delinquent or total non-payment as of XX/XX/XXXX. I know Citi is leaving the mortgage business and the account number has changed and been flipped branch to branch the last couple years< then they never update the info on theaccount.  We have called and talked to a representative that says the payments show up on her computer but isn't sure why its showing delinquent on the report. Called her back a few days ago and she says she's having problems with people in higher positions than her changing the false delinquencies as it's Citi"s policy not to.....smh. I know this all sounds crazy and unbelievable but dealing with this company has been a total NIGHTMARE for my family and I. My wife and I want to refinance with another bank but with showing nearly 2yrs. of non or late payments, this makes this nearly impossible.
Consumer complaint received 2017-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TN)

My loan was sold to Navient from XXXX XXXX. I had a brief loss of income several years ago and the loan was sent to XXXX XXXX for collection. My payments are timely and have been for years. XXXX XXXX collects 0.010 % on the loan. They are telling me there are no other interest charges however Navient is still charging interest on my loans so I can not get ahead. I can not communicate with Navient because every time I call in the call is forwarded to XXXX XXXX. Most likely I am eligible for public service loan forgiveness but can not speak to anyone at Navient.
Consumer complaint received 2017-07-25
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Tate and Kirlin Assoc (GA)

Invoice Date X/XX/17 {$130.00} Collection Firm : Tate & Kirlin Associates, Inc I just received a bill in the mail from Tate & Kirlin Associates, Inc. I have no idea what this is for. I do n't owe anything like this at all. I feel like it is a scam.
Consumer complaint received 2024-08-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

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.

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 XXXX 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 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : Unknown Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 2017-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

on saturday XXXX XXXX 2017 i deposited my tenants TD bank account check for {$7700.00} into my TD bank checking account. on sunday it said the funds were pending. on monday it said the funds were pending. on tuesday morning the funds cleared and were deposited into my account. i needed to write checks out so to be sure i called the banks customer service line and they said the funds were from a TD account to a TD account and they were in there go ahead and write your checks. i then proceeded to write out checks and send them out. that night i went into my account to transfer funds and noticed my account was in the negative. i called customer service and they apologized and said i should go to speak to the bank. i went the next morning and they were sorry but said they should have never said to write my checks.i said the funds were cleared to my account that i should n't be responsible, they should. I feel they should be going after the person who wrote the check since she is a TD bank customer and it was a TD bank account and they cleared the money. This is n't a small amount I can make good on. Why should I have to make good on the monies and go after her when they told me the funds were OK to write checks on and use and I have proof the funds were cleared in my account. even in the overdraft letter they sent me it states the funds are usually available the next business day unless an extended hold is placed and that the deposits show as pending until the funds are fully available for use. another customer service rep called me wednesday to apologize and say they will use my case in training. i told them they should be going after their client since they cleared the funds not me and it was n't right i should have to scramble to make good on the checks i wrote. they said they would credit my account for the trouble {$50.00}.
Consumer complaint received 2017-07-25
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: NATIONSTAR MORTGAGE LLC (FL)

An Original Mortgage done in   XX/XX/XXXX  h as been CANCEL LED  XX/XX/XXXX . A load mo dification has been done on this mort gage  XX/XX/XXXX  for  a greater amount of sums included. I bear NO signature to this loan modification, as well as I was not aware of this being done, as I no longer resided at this address. Nationstar Mortgag e /    XXXX   XXXX   XXXX   did a loan modification on this and did not contact me in doing so. This is now on my Credit Report and I need the full amount of this unpaid balance taken off my credit. I did not sign or preform any act of modifying this mortgage. The amount is false and untrue of me owing. Once again, I bear no signature allowing this amount to be modified in my name. I need the amount of Mortgage shown on my credit removed.
Consumer complaint received 2017-07-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

i have sent account resolution services 2 validation letters disputing this debt. i have no knowledge of owing ars/ account resolution services or the creditor XXXX XXXX XXXX any outstanding bill for services or products. the collection company rerfuses to comply with HIPPA validation letter and respond with proper DOCUMENTS pertaining to this alleged debt i have no knowledge of. Im dispiting this alleged debt but the collection company account resolution services continues to violate the FCRA BY CONTINUING TO REPORT THIS ALLEGED DEBT TO THE 3 CREDIT REPORTING COMPANY AFTER I HAVE SENT MULTIPLE REQUESTS. MY LAST WRITTEN DISPUTE WAS ON X/X/17.
Consumer complaint received 2017-07-25
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. (FL)

I have been trying to fix this problem in my Equifax report since XXXX 2016. There were a comment " Paid after Foreclosure initiated '' on an account that was actually closed with a Short Sale settlement. The only result of those complaints is the reduction of more than 50 point on my score. My point is even if such process was initiated, is not relevant nor accurate, because it is NOT the CURRENT situation. We want to rectify it because it does not mention the Short Sale agreement which supersedes any eventual past processes, like all the years we paid on time, or our atempts to get a fair modification, or this one that we never get notice of. Instead of that we get a letter offering th AVOID foreclosure more than three months AFTER we closed the account. An accurate report should show the CURRENT STATUS which is something like : " Paid as agreed in a short sale process ''. As opposed to that in the Equifax report the " STATUS '' column says " 120+ days past due ''. That is definitely false and harmful, and has to be corrected. In the other hand, now the questioned comment says " Consumer disputes - reinvestigation in progress '' and for the last month and a half has been sitting like that. I called Equifax, because ironically I am their customer, asking when this reinvestigation will be over and they told there is not any open investigation!!!!
Consumer complaint received 2017-07-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (FL)

This company, which I hold no contract with nor received services from, reported a collection account against my SSN in the amount of {$320.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for services or goods they have provided nor have they provided adequate proof i am not obligated to pay the alleged debt.