davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-02
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. (NJ)

My name is XXXX XXXX, and I am writing in regards to having these items deleted from my report. I am a victim of identity theft and I did not make these charges also did not authorized these inquiry requests mentioned with the list. I have reported the theft of my identity to the Federal Trade Commission.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fay Servicing, LLC (PA)

My ex husband purchased a property at XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX in XXXX. I wasnt part of sale/never on mortgage. At some point he added me to deed. I was never on loan. We got divorced. I havent lived there at property in over 11 years. Unbeknownst to me, he let property go into foreclosure. I have nothing to do with the foreclosure. All mortgage statements are in his name only and I was never aware of the foreclosure until I went to buy a property last week and its now on my credit report bc Im on the deed. I need this removed! You are ruining my credit!
Consumer complaint received 2022-02-02
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I visited CitiBank branch in XXXX XXXX, CA to downgrade my Priority account to Basic account in order to prevent any monthly service fee. The branch manager helped me to change my account from XXXXXXXX XXXX XXXXXXXX package. At the same time, she showed me the promotion flyer ( see attachment ) and said the promotion was eligible for any customers including XXXX account. Also, the promotion flyer indicates that any new or existing customers were eligible to offer. 

I accepted the promotion offer and the branch manager helped me to open a saving account on XX/XX/XXXX, and a new money {$250000.00} new deposited on XX/XX/XXXX. 

Since my online banking account ( transfer money from ) does not offer check books, I worried about any loss risk if transferred a big amount {$250000.00} to the new saving account electronically so I deposited the new money {$250000.00} to my exisiting checking account which I've made many transcations successfully on XX/XX/XXXX and then transferred to the new open saving account on the same day. 

I followed the promotion requirement to maintained the balance {$250000.00} over 60 days but did not receive the cash bonus {$670.00}. I visited and asked the branch office to submit the promotion dispute twice in XXXX and XX/XX/XXXX but got the same responses of that I am the basic account package customer not eligible for the promotion. 

On XX/XX/XXXX, I contacted Citibank and they opened my case again and asked to mail any supporting documents including the promotion flyer, account transactions, .. etc. I mailed them on XX/XX/XXXX. I waited but did not get any resonse so I called Citibank on XX/XX/XXXX and they said the same feedback and my case was closed. I spent over 3 months but Citibank still refused to pay me the cash bonus {$670.00}.
Consumer complaint received 2022-02-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TransferWise Ltd ()

XXXX  ( formerly transferwise ) deactivated my account on XX/XX/XXXX with more than XXXX USD and as of today XX/XX/XXXX my money has not been delivered. More than 90 days - 3 months have passed and my money has still not been delivered to my XXXX account that I provided in the appeal. They sent me an email and told me that they paid me but it is a lie, the money has not arrived. The 60-business-day deadline for the due diligence that you talk about so much has already expired.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hi my name is XXXX XXXX XXXX XXXX and sending a complaint without any third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The letter I sent to TransUnion was dated at XX/XX/XXXX up until now I still havent receive any changes regarding the issue. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2022-02-02
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. (MS)

My credit report has hard inquiries, a bankruptcy, late payments, and many accounts that are not mine. I have contacted Equifax, XXXX, XXXX, and connected companies several different times. The credit reporting agencies can not even show proof of validation on any of the listed information. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. None of it is correct and needs to me removed. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Consumer complaint received 2022-02-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$1600.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$1700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$240.00} XXXX XXXX XXXX XXXX {$97.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$100.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Consumer complaint received 2022-02-02
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-02
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. (GA)

*Bankrputcy statetment I have reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the XXXX major credit bureaus I have sent all documents from my local city bankruptcy court and XXXX XXXX. The Fair Credit Reporting Act, XXXX XXXX. XXXX XXXX XXXX states accurate information must be reported Please delete this bankruptcy from my report
Consumer complaint received 2022-02-02
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 have spoken with Transunion on many different occasion about this account I've sent every document i feel ; like will prove my innocence in every investigation they did steel no help as a consumer I have right under the FCRA which at this point I know for sure this company is not following not one Law on XX/XX/2022 I spoke to a rep in the fraud department XXXX XXXX XXXX who told me out of her on mouth that when they do there investigation they do not ask or recieve any proof of documentation just word of mouth so how is it right for this company to say I owe them anything without any proof no signature ID anything in all my letters I've ask for them to send me some type of proof when they make they decision with there investigation im rush off the phone ignored one rep even hang the phone up in my face this is no way to treat someone who is just trying to prove there innocence I hope this third letter to this CFPB Will get the attention of Transunion and make them do the right thing
Consumer complaint received 2022-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NC)

I have a charged off debt from a Citi credit card. I contacted them to arrange a repayment and they told me that it is past the statue of limitations and that they can not accept payment. 

I believe the amount in question is wrong and that if they will not allow me to make a payment that it shouldn't be displayed on my credit report.
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (VA)

On XX/XX/2021 an American Express card in my name, which is not mine, was used to pay for turbo tax. 

I do not have an American Express card, or account.
Consumer complaint received 2022-01-30
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. (AZ)

I challenged my credit report far years with No results they are not doing anything to get information deleted under fair credit act it's a federal Law I am a XXXX veteran their not moving information off my credit report every time I challenge something on my credit report account information is current when it's not
Consumer complaint received 2022-02-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

CONSUMER FINACIAL PROTECTION BUREAU URGENT. 

SUBJECT : STOP HSBC UNAUTHIRAZED TRANSFER MY BANK ACCOUNT TO XXXXXXXX XXXX HSBC Bank have agreement with XXXX XXXX  transaction and transfer my all accounts, direct SS deposit account, saving account ( XXXX ) checking. ( XXXX ) Creditcard ( XXXX ) final transfer on date XXXX. 
I did not have knowledge about until HSBC letter I received on XXXX XX/XX/2022, But Hsbc letter was dated XXXX XXXX .HSBC letter which I received on few days before transfer account XX/XX/XXXX. XXXX. 

HSBC did not inform before the agreement and I have not received any information regarding my Bank account transfer from HSBC and XXXX Bank. 
I can not witdrow or transfer-wired to other Banks on line internet banking. I have Hsbc Security device is block-disable. 
Du to PANDEM I can not travel.I need money to daily expenses. 

Hsbc still in business in USA and not close for business.But they sell my Privacy, name and my bank account to XXXXXXXX XXXX without my Permission and knowledge. 

BY law HSBC responsibility consumer banking stransactions with my SS direct deposit, saving, checking, debit and credit card accounts safe and secure in HSBC Bank. 
by law HSBC without knowledge transfer and unauthorized to sell my bank account to illegal business transactions with unethical bussiness profit. 
Stop my Bank account unauthorized and illegal transfer to XXXXXXXX XXXX. 

Sincerely. 
XXXX XXXX
Consumer complaint received 2022-02-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Herbert P. Sears Co., Inc. (TX)

Disputed with the company on XX/XX/XXXX. The dispute letter was sent by certified mail which the company received the letter on XX/XX/XXXX. It has been well over the 30 days the FCRA gives company to respond to any disputes. It is now XX/XX/XXXX and I have yet to hear back from this company.
Consumer complaint received 2022-02-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX {$2600.00} XXXX  XXXX {$1600.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2022-02-02
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. (FL)

I am hereby requesting an early exclusion ( deletion ) of XXXX XXXX XXXXXXXX account number XXXX ... ... .. from credit report immediately. This company has a policy where by which persons can request that items be deleted from there credit report up to 6 months before the due date. Its now 6 months before this account will drop off my credit report. This is based on the last credit report that I got from Transunion. The XXXX XXXXXXXX XXXX account is scheduled to fall off my credit report in XX/XX/2022. 
I am therefore asking Transunion to grant me an early exclusion and delete this account from my credit report immediately please and Thanks in Advance.
Consumer complaint received 2022-02-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Lending Club Corp (CA)

I was approved for the loan and signed all the agreements, I forwarded all the documentations that were requested and was verified. I chatted with the agents on the phone and had submitted the call needed and sent in my bank statement, I received a decline to due : Application is incomplete - Bank account has not been verified I tried to rectify the issue on having my bank account verified and have been unable to do so
Consumer complaint received 2022-02-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (PA)

XXXX XXXX {$3500.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

According to XXXX, I must have an at least 6 months of good standing with a credit provider ( credit card ) and one open account in order to generate a credit score. I've had a XXXX XXXX open and in good standing for over 30 years -- since 1991. I have had credit scores above XXXX in the past and have always paid my bills on time. In XXXX I applied for a new mortgage and was denied twice due to the lack of a credit score. This shocked me, so I looked into it and was bounced around between XXXX, XXXX, and MyXXXX  with none of them providing a good excuse as to why I don't have a score. They speculate that its because I don't have more than one open account, but that is only speculation and not the criteria. They speculate that it is because I haven't carried a balance on my account for 6 month, but this too is speculation because carrying a balance is not a requirement..just having an open account in good standing for six months is the requirement. My lack of a credit score is having SEVERE financial impacts on the life of my family due to being unable to refinance our house at the current low rates.
Consumer complaint received 2022-02-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services (CA)

My monthly is payment is due the XXXX of each month. According to the comp at a grace period is provided, however the company begins to call on a daily and multiple times a day before the payment is due. According to them they need to start collecting payment before the due date. Additionally when they call after the due date, they indicate a payment is due before the end of the month, which is before their grace period, otherwise it's negative reporting. This lender has also called references on my application, again before the grace period is up. This lender will not take a payment arrangement. They indicate they need my banking information right than and there to make the arrangement. I have previously spoke with their store manager and he has informed he is not sure why these are the calls I'm recieving, however the calls have resumed.
Consumer complaint received 2022-02-01
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: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I sent my final letter to Experian letting them know that there has not been a physical response nor investigation done on the multiple dispute letters that were being sent regarding various accounts on my credit report. Letters were sent XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is ridiculous and unfair that you can not get any cooperation regarding negative and inaccurate accounts on my credit report. Such as XXXX XXXX XXXX showing a past due {$5400.00} This account was paid off by insurance company and covered by XXXX XXXX also due to being loss in hurricane. XXXX XXXX XXXX  a collection showing {$750.00} past due. To my understanding my information can't be given to unauthorized third parties. XXXX XXXX  XXXX is reporting inaccurate date of last activity and {$1600.00} past due that I do not owe. XXXX XXXX collection showing {$680.00} and inaccurate date of last activity. XXXX XXXX show {$570.00} past due. It's to my understanding that a collection can't report a past due amount! Correct me if I'm wrong!
Consumer complaint received 2022-02-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Since early XX/XX/2022, I have been trying to get ahold of the right department to inform them that I am unable to make minimum monthly payments due to my employer cutting back hours and seeking a temporary payment arrangement. I keep being put on hold and keep being redirected and with a result of being hung up on. Due to this continuous cycle when I call, I have been charged a late fee. I need someone to help me with hardship monthly payment options until I find a full-time job, I do not want my account to be reported to collections and impacting my credit score.
Consumer complaint received 2022-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (MI)

The bureaus are required to 100 % accurate with their investigations ' results but as far as the AFNI account is concerned with my credit report, the Bureaus have failed to comply with FCRA 's requirements. They failed to investigate the account properly which results in hurting the credit reports big time. Moreover, they have not submitted and signed documents or agreements that can validate their verdict. Most importantly, I have made my payments to the original creditor or furnisher. 
AFNI ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} AFNI  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$570.00}