davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-01
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. (MD)

I have  sent 2 le tters requesting that the account with  XXXX   XXXX  on my report for {$590.00} be removed. I provided the credit bureaus with a letter that I received by  XXXX   XXXX  stating that on  XXXX / XXXX /   16  they requested this account be deleted. However to date the account still is being reported inaccurately. Instead of removing the account as instructed I received a response stating my dispute could not be investigated because the address I provided is not listed in my credit profile. However that is a lie. I have attached a copy of my credit report showing the address  XXXX   XXXX   XXXX   XXXX  is listed in my credit profile. This company is attempting to nagate my request and is in a violation of my rights. Under the FC RA I may be required to provide identification one being my social security number and I did that in my previous attempts. The CB 's are not government agencies therefore there is no law that requires me to provide any personal information such as medical cards, bank statements, or utilities. I will not do so the address match and this clai m must be investigated properly and efficiently.
Consumer complaint received 2017-06-01
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. (NY)

Based on Experian Report Number XXXX ; dated issued XX/XX/2017 the following information is completely incorrect or erroneous : On the top right side of each page where it says " Prepared for : XXXX XXXX '' is incorrect. I have been trying for months to have this corrected since my real name does not have a first letter " XXXX ''. The correct first letter is " XXXX ''. I repeatedly state that my official name is XXXX XXXX but Experian refuses to correct this. All Experian has to do is look at my home mortgages and these documents will plainly show my correct name as XXXX XXXX. This harms me every time a potential employer, creditor or bank looks at my credit report. Experian is forcing me to be someone that does not even exist ( I checked XXXX ) hurting my credibility and reputation. I would like CFPB to intercede in this case because this name that is not mine and appears on every single page of my 22-page report.
Consumer complaint received 2017-05-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I never received proper notification of a debt prior to it being sent to collections and then a suit for garnishment. My original debt was with   XXXX   XXXX   and eventually went into collections with  Portfolio Recovery Assoc.  in  XXXX   2016  and is now an active wage garnishment since around that same time.
Consumer complaint received 2021-08-12
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. (NY)

I am filling this complaint case to make sure that XXXX will take the necessary action regarding my concern. I have been a victim of Multimillion-Dollar Bank Fraud with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). I have attached the federal documents to review. For your reference regarding my claim. Attached is the article from the Department of Justice article regarding the crime that has been committed. 
Below are the accounts that they opened and are still affecting my credit score. Sadly, all the accounts that they opened ended up as Derogatory, Sold to Collection companies, and Paid but with multiple late payments. I need to make sure that the credit bureaus will review my account and be on top of the investigation. I already disputed this concern with the credit bureaus and still not seeing any results. The people involved in this crime pleaded guilty of their roles in the XXXXXXXX XXXX bank fraud conspiracy and are awaiting sentencing. I know that this situation should be handled by experts so it would be easy for these accounts to be removed from my credit report. I have been under tremendous stress because of this and I need this resolved as soon as possible. I am writing this letter with the highest urgency to be resolved. These accounts can not be in my credit file, these are the result of Financial Fraud therefore I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT. 

1. XXXX XXXX XXXX 2. XXXXXXXX XXXX XXXXXXXX 3. XXXX XXXX 4. XXXX XXXX  XXXX
Consumer complaint received 2018-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I am working so hot .So open citi bank cheking account online. 
I make application on XXXX, citi bank sent email to me ( Thank you for your recent application on Citi Online or Citi Mobile for an account. Citi needs you to provide more information in order to open your account. Please click the Review Document link to provide the requested information. ) this is email onXXXX. I finish Document to them. 

But for some reason, the XXXX XXXX closed my checking account soon after. 
I called their department concerned to consult.They said they didn't receive my Document.Email can't be filled in OnlineI Don't understand. Why do they still have email to fill in for me? 

I hope to be helped to get a public solution. Thank you
Consumer complaint received 2020-07-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (WA)

I received an email to apply for a loan while I was searching credit card offers through XXXX. I needed {$700.00}. I applied online with XXXX. They sent an email asking me to sign documents. I did and they said congratulations, they are sending me XXXX to my bank account, which they did. THEN they sent me the repayment schedule. They want me to pay them {$320.00} every two weeks for six months for a total of {$3800.00}! They did not disclose that it would be that much and for that long. They just asked me what dates I wanted to set up payments. I did not want XXXX only {$700.00}. I can not afford this loan! This is as predatory as it gets! I didn't understand it and I didn't realize what I was getting into! I will have to claim bankruptcy which is said because I was using this loan to try and build my credit. I just found out today that I am being laid off and now I am in real trouble. I don't think lenders like this should be allowed to operate. They told me it is too late to rescind it. I just don't want to live if my life is going to be like this. I won't even be able to pay my rent.
Consumer complaint received 2020-01-17
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. (NJ)

My mortgage company XXXX XXXX  XXXX My loan number is XXXX. I have an payment transaction dispute in of which cause my credit to take a dive, and I could not understand why my score was so low. I just paid of a home and all my cards paid down. I was recently discovered while pulling my report XXXX was the cause. They reported incorrect information of 30 and 60 day late payments. They claim my payment for XXXX was not received. I never knew this and continue paying XXXX, XXXX and XXXX as normal. unbeknown I was continuing a 30 day late since XXXX. I provide transaction trace number from my bank for them to verify and correct my Credit ASAP. I am getting the run around when calling to get status. 
Its my suspicion this company is performing this unfair practice. 
I have tried some time ago to began a refinance for the townhome to remove PMI, and go conventional. To my surprise I was unable to. I would like to see this company investigated since I was told by the phone rep this happens many times. They seem to have a practice of doing this. As you know this would stall any refinance or change of servicer. I pay my bills on time each month. I need restoration this has cause me problems relocating to NC and how I found out when trying to obtain a Home to live.
Consumer complaint received 2019-11-27
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  improperly reported the following latesXX/XX/XXXX 60 Day Late, XX/XX/XXXX 60 Day Late, XX/XX/XXXX 60 Day Late, XX/XX/XXXX120 Day Late, XX/XX/XXXX 120 Day Late, XX/XX/XXXX 120 Day Late, XX/XX/XXXX120 Day Late, XX/XX/XXXX120 Day Late. Needs to reflect on time payments
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

Every company but equifax removed the fraudulent inquiries but none of them are reported that right information they have 16 on their none of the agencies are reporting the same information and none of it is credible or reliable or accurate and I'm tired my name has been in numerous data breaches and none of the agencies are trying to fix anything for me
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (KS)

On XX/XX/2021, I attempted to place a security freeze on my SageStream credit file and made two more requests via fax. I also attempted to call. On all 4 occasions, SageStream refused to place the freeze on my credit report or file with their company. Documents provided included drivers license, social security card, and a recent paystub. 

On XX/XX/2021, I received a letter from SageStream refusing to place the freeze, claiming that the documents submitted were insufficient, even though their website indicates the submitted documents were sufficient. 

Attached to this complaint as well is my response with the additional requested documents. This request was sent on XX/XX/2021 via fax to XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (MA)

I called Citibank for a replacement card because my dog chewed it.. They say there is an error message stating no phone number to verify, tild me to contact XXXX. XXXX  says theres no problem on their end. Neither side will communicate with the other and I'm stuck in the middle.
Consumer complaint received 2019-11-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AmeriCollect (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX date of birth : XXXX My credit report is showing accounts I can not get resolved because when I search address to creditors it says fraud or address does not exist. Can you please help assist me? I do not know how to correct my credit report if creditors can not be tracked down. 

I need the original owners/bill collectors address of my bills so I can pay my bill. I dont even know if these are my bills and I keep asking for help my going through XXXX XXXX  and have submitted paperwork to all three credit reporting agencies in the past. I have no clue who the bills originally were billed from and I do not know if these creditors are real. I want all bills mailed to my home address so I can approach paying my bill to the original bill collector. 

Americollect Inc. XXXX XXXX XXXX, XXXX XXXX WI XXXX. Acct : XXXX, XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX. XXXX, XXXX, OH XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX and XXXX XXXX XXXX XXXX, XXXX PA XXXX. Acct : XXXX
Consumer complaint received 2017-06-01
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. (NY)

Based on TransUnion File Number XXXX ; dated issued XX/XX/2017 the  following information is completely incorrect or erroneous : On the top left side of each page where it says " Consumer Credit Report for : XXXX XXXX XXXX '' is incorrect. I have been trying for months to have this corrected for months since my real name has NO middle initial. I repeatedly state that my official name is XXXX XXXX but TransUnion refuses to correct this. All TransUnion has to do is look at my home mortgages and these documents will plainly show my correct name as XXXX XXXX. This harms every time a potential employer, creditor or bank looks at my credit report. TransUnion is forcing me to be someone that may not even exist hurting my credibility and reputation. I would like CFPB to intercede in this case because this name that is not mine appears on every single page of my 10-page report. <P/>Further, TransUnion refuses to remove an unauthorized SECURITY ALERT on page 10 of 10 of my credit report. This security alert was initiated by mistake by XXXX. Both XXXX and XXXX took this off but TranUnion refused because they said it originated from XXXX XXXX which is untrue. Again I would like CFPB to intercede in this matter to correct it,,, it again needlessly harms me with my student loans, etc.
Consumer complaint received 2019-11-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO. (RI)

I have been a customer with chase bank for almost 4 years. Before my medical emergency, I had never missed a payment with them or any other company. I was removed from work in XXXX for XXXX XXXX. I didn't have any income at all while I was out. I had just purchased my first home right before I got hurt so I had a new mortgage and utility bills for myself and two families. I called chase as soon as I knew I wasn't going to be working. They said over and over it was okay we could work it out when I got back to work. Then a month in they started putting me as delinquent. I tried to pay but you can't get something from nothing. All of my money was going to heat and electric and food. I even wiped my retirement account just to keep the house afloat. I contacted chase again and asked them to just hold on for two months until I was back at work. They said okay that's fine to take care of your health. Then the next month they closed my accounts. I'm drowning in it. I can't believe after years of an excellent business relationship this multi-million dollar company couldn't give me a three-month stay. I'm back to work now, one month behind on my mortgage and hundreds of dollars in fees later from chase. But I'm chipping away at it and they just keep threatening my credit score and sending it to collections if I don't pay them an immediate sum thats more than Ill make in a month! I just need help. I feel like they are bullying me around. Now I have mountains of interest because I was hurt.
Consumer complaint received 2019-11-26
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: Exeter Finance, LLC. (CA)

XX/XX/18 Exeter Fin made an unauthorized fraudulent hard inquiry to my XXXX  report. XXXX  has instructed me to contact each company making fraudulent inquiry individually. Attaching relevant police report.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2016-06-23
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (CA)

I had a student loan with Sallie mae in XXXX had a deferment in XXXX for financial hardship. Never received anything after now there taking my eitc income taxes. I still ca n't afford to pay and the department never told me my loan was transferred to someone else. What can I do I can be reached at XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-26
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. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that this account is not mine and that my identity may have been stolen which I have included with this letter.
Consumer complaint received 2017-06-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (GA)

I have an FHA mortgage loan that I used to buy my home that is held by Citi Mortgage. At that time, I was XXXX and had a successful XXXX XXXX XXXX XXXX XXXX XXXX. However, after the market crashed and the recession hit I began struggling financially and lost most my clients. I was soon forced out of business and had to start from scratch taking a XXXX job. This caused me to struggle and I began missing mortgage payments. I tried to get Citi Mortgage to work with me but just got the runaround from their loss mitigation department. I continued trying to negotiate and was able to continue making the mortgage payment on occasion. I was hoping for some kind of resolution. In 2013 I was finally able to get some traction with Citi and was approved for a trial modification and made 4 payments and was expecting to be put into a permanent solution. However, while in the trial plan I came home and found a man trying to change the locks on my property!!! I got information from the person who was supposedly the new owner and found out that the foreclosure was false, and that this company out changing the locks was shady and that Citi Financial was representing another company that was committing fraud. I was able to go to court to try and get this matter resolved, and thought I had things straightened out. However, I am now told that I am back in foreclosure. I have been made aware that Citi Financial has been involved in other cases of fraud with HUD and misrepresenting FHA loans and the status of these loans they are holding. I want to resolve this situation and save my home. I have rebuilt my XXXX XXXX and am back on my feet financially and able to afford a fair and reasonable monthly payment. My issue is that Citi is failing to conduct a review of my current and correct financial information in order to determine what retention programs that FHA has developed for struggling homeowners I qualify for. This should not be optional for Citi Financial, it should be required.
Consumer complaint received 2017-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

We received your complaint. Thank you.     We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.   YOUR COMPLAINT I have been battling  XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX  and  XXXX  's for almost a year to no avail. They are reporting incorrectly on my credit report and it is affecting me negatively. I am highly upset and stressed because of the inaccuracies. Numerous times, I have provided proof of payments and they still have not fixed. Equifax has verified it and removed both from my credit but  XXXX  and  XXXX  still have not. Can you please assist me with this problem? I am requesting that this be removed immediately. I am providing you a copy of payments for both accounts as well as sending a copy to all the above mentioned. The next action will be to send seek legal action.   I acknowledge being late on payments following a separation which turned into a financial burden. However, I have always sent in payments even if it was small to show that I am truly trying.
Consumer complaint received 2017-09-01
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I do not recognize nor did I authorize the following inquiries to be made : Cap One XX/XX/XXXX Cap One XX/XX/XXXX Cap One XX/XX/XXXX
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX