davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-27
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Seterus, Inc. (PA)

To Whom It May Concern ; We are writing to voice a complaint against XXXX Mortgage company, XXXX, CT XXXX. 

Our property at XXXX, FL XXXX received water damage in XXXX. We contacted our insurance company immediately ; XXXX, on XXXX. An adjuster assessed our property damage. XXXX checks were issued based on the adjuster 's report ; XXXX for {$10000.00} in XXXX and XXXX for {$7100.00} on XXXX. XXXX checks were made out to my husband, myself and our mortgage company Seterus Inc . 

After contacting XXXX to inquire about the process for getting these checks endorsed to begin repairs on our property we received a claim number and a full packet of paper work from XXXX ( the claims department of Seterus ). The package was completed by ourselves and the contractor and faxed back to Seterus ( QBE ) as instructed. We were told to endorse the checks and send it to XXXX claims department and they would release the funds so we could get the contractor started on the repairs. 

We have not received our money as of today XXXX. I spoke with representatives at XXXX claims department on XXXX, XXXX, XXXX, and finally was told everything was in order. we would have the checks issued to us by the end of the week. No check arrived. I called today, XXXX and was now told that we needed an updated certificate of waiver of lien from the contractor and a complete adjusters report from our insurance co faxed to them. All of this information was sent and our file was complete. 

This is very, very frustrating. Can you please help us get our insurance money from XXXX so we can get our property repaired?? Thank you Sincerely, XXXX and XXXX
Consumer complaint received 2016-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

XXXX complaint On XXXX/XXXX/XXXX, XXXX EST, I faxed my SS Card, marriage licence and birth certificate. I have proved my identity, I EXPECT A RESOLUTION! I was also never notified by Equifax that I had to submit my ID before they 'resolved ' my complaint I got a rejection letter from Capital XXXX Auto XXXX XXXX dated XXXX/XXXX/XXXX, reference number XXXX, for a loan application from XXXX XXXX on XXXX/XXXX/XXXX. The reason for not approving my request was " there are too many delinquent past or present XXXX XXXX credit obligations. '' I do not have nor have I ever had any XXXX XXXX credit cards. My sister in law, however, does and she has BAD credit. XXXX XXXX XXXX, dob XXXX/XXXX/XXXX, new married last name XXXX. She used to live at my husband 's and mine current address XXXX XXXX XXXX, XXXX, NC XXXX. Somehow XXXX XXXX has confused our XXXX separate identities and now it is affecting all XXXX credit reporting companies! When I attempted to check Equifax for my credit, I could not correctly answer the XXXX security questions. I thought they did not pertain to me and said " none of these '' but when I ran into the same weirdness on XXXX, I answered the questions as my sister in law and was able to get in. 

***can not check Equifax credit online by answering the XXXX security questions as myself. Equifax has me confused with my sister in law, who has lived at the same address for overlapping times as me, XXXX XXXX XXXX. *****
Consumer complaint received 2015-09-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MN)

I have XXXX new hard credit inquiries on my report from XXXX that I did not authorize. I contacted XXXX and they told me to dispute it with Equifax I disputed it with Equifax and all they did was say the report was factual. I did not authorize XXXX XXXX to check my credit.
Consumer complaint received 2015-07-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My account with XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX, ( XXXX ) XXXX is showing a closed and collection status which is not accurate. The account is still open and I have recently made it current and satisfied the in collection status. I have never ceased making monthly payments.
Consumer complaint received 2016-11-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (MI)

I contacted Equifax about items that were removed from my credit report and inadvertently placed back on there by the office of consumer affairs. I spoke to several reps and supervisors to have a security/fraud freeze removed from my credit report because it 's violating the FCRA law by preventing me access to my credit score and report. I was told by a rep in the office of consumer affairs that this was done to protect my file, however, I asked for it to be removed because I did not ask for it to be placed on My credit file and there 's no suspicion of fraud. Equifax is refusing to remove this freeze and allow me to access my own credit file/score online. Someone internally in the office of consumer affairs did this purposely. This was previously reported to Cfpb.
Consumer complaint received 2016-08-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (VA)

The payment amount reporting for the amphibious base was incorrect it 's my account, XXXX removed it and I want it put back on my report. The account number is # XXXX # then they are reporting the account with XXXX XXXX XXXX as a charge off and it has been paid of since XXXX 2014 they sent the update to XXXX.that account number is # XXXX. Then I have XXXX accounts that were included in my bankruptcy that they are reporting 1. XXXX XXXX acct # XXXX 2. XXXX XXXX XXXX acct # XXXX 3. XXXX acct # XXXX all XXXX of these accts were discharged XX/XX/2014 with my bankruptcy. I would like for XXXX to correct this accuracy because it 's hurting my credit.
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

Hello, So a couple days ago I had gone in to apply for an apartment and received a notice back saying I could not be accepted because I have a consumer frozen file. I have gone into the XXXX credit bureau and spoke with all three credit bureaus on the phone and was told because I have absolutely no credit there is no files that come up under my name. I have received the document the apartment is seeing and it does show that I have a consumer freeze. Please help me as soon as possible so I can get into my new apartment. If there is a freeze I would like it removed immediately!
Consumer complaint received 2015-07-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CO)

I settled on a credit card balance with XXXX XXXX XXXX XXXX XX/XX/XXXX. They claim they sent a report to Equifax to ensure the account would be marked as closed. However, every month since then, for ten months in a row, the credit card has been reported again by XXXX XXXX to Equifax as " open ''. XXXX at Equifax said it was once again reported open on XX/XX/XXXX, four days ago. 

I have received multiple letters from XXXX XXXX claiming they closed this account with Equifax, yet every month they go ahead and report it again to Equifax as open and now " delinquent ''. I have written them multiple times over the last year and continue to this day to receive acknowledgment from XXXX XXXX that the card was indeed closed as of XX/XX/XXXX. Yet they continue to report it as open and now delinquent for ten months ( even though it is actually closed and not delinquent at all. ) I am being materially damaged by this continuing incompetence by XXXX XXXX - not able to get the loans I need for my business because this wrongful reporting continues, and shows me delinquent on this closed card for the last 12 months in a row. 

XXXX XXXX has shown no urgency in resolving what they have readily admitted for ten months that they have done wrong.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

The duty pursuant to the FCRA, it EQUIFAXs to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting XXXX inaccurate late payments for the XXXX XXXX XXXX account ending in XXXX. This includes a XXXX day late payment posted in XX/XX/XXXX, and a XXXX day late payment posted in XX/XX/XXXX. This is incorrect and is supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of this inaccurate late payment has resulted in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination and possibly homelessness very soon. I have tried to remedy this situation by responding to EQUIFAX via written letters to remove this inaccurate reporting of late payments on XXXX XXXX XXXX and XXXX XX/XX/XXXX, however they have continued to ignore my requests. It is because of this inaccuracy that is causing my wife and myself to not be able to find a mortgage lender in order to secure safe housing for us. I fear that if these inaccurate late payments arent removed soon, that we will be homeless.
Consumer complaint received 2015-08-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

1 ) None of the XXXX agencies will provide my report. 
2 ) XXXX XXXX XXXX ; I have XXXX fraudulent open collection XXXX. 
3 ) Degrotry collection from the XXXX XXXX child support, there is no balance and was incorrectly reported. 

Unable to dispute due to inability to access free credit report. 
I am a XXXX for 18 years ... I decided not to utilize my credit ... so there should be little to no activity ... 
Thank you ... 
the attached screenshot shows the suggested phone number ... .which is not active. 
XXXX XXXX
Consumer complaint received 2016-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CO)

I filed a dispute with Equifax , saying that a XXXX XXXX account was reporting as a charge-off, when it should be reported as included in bankruptcy. I uploaded documents showing concrete proof that the XXXX XXXX account was included in bankruptcy, yet Equifax refused to correct the error. 

I 've attached the documents : one showing that in XXXX the XXXX XXXX account was included in my bankruptcy. The second is my Chapter XXXX discharge form in XXXX, showing that my bankruptcy case had been discharged. I do not understand why Equifax dismissed these documents, when they CLEARLY prove my case.
Consumer complaint received 2016-01-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (IN)

They have n't removed XXXX address where I have never lived and it has caused me problems when I apply for credit. The addresses are XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXXXXXX I have lived in only XXXX states in the past 45 years and that 's XXXX and XXXX.
Consumer complaint received 2016-11-03
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I used citibank diamond preferred master card credit card for making paying towards XXXX to bureau of XXXX on XXXX XXXX, I also make payment of amount XXXX dollars towards my internet connection provided by XXXX The citibank fraud department disputed these charges the XX/XX/XXXX without my authorizational and didnt not contact me or seek approval regarding this dispute at all. It should be consumer who need to initiate the dispute. 

As a result XXXX was declared void and I received a letter in XXXX from the bureau of XXXX to make the payment plus XXXX dollars file because earlier credit card payment was disputed and refunded. The method of payment needed to be personal check or cashier check. I make the payment via personal check of amount XXXX . 
In XX/XX/XXXX the citibank for some reason make the payment of XXXX dollars to Bureau of XXXX, this also without my permission and I happen to know about this by finding this transaction in my XXXX statement. Now, there is double payment to the Bureau of XXXX. 

The citibank is consistently avoiding to resolve this issue and trying all the delay tactics to not to recover the amount. This include blaming me for this fiasco and not accepting their mistake, forwarding the case to citibank investigator. The whole issue is created by the citibank and I have not role and input to their actions. I need help resolving this issue The citibank was wrong in 1 ) disputing the charge the first time without my authoirization 2 ) Keeping me in the dark during this dispute process and not seeking my approval 3 ) Making the payment on XXXX XXXX on my behalf without my approval and without notifying me 4 ) Delaying the reversal of this payment as I didnt authorize this payment. I authorize the XXXX XXXX payment which the citibank disputed on its own As a result I have to exprience 1 ) Fine for late payment and have to write XXXX $ ( XXXX plus XXXX dollar fine ) 2 ) not been able to make payment to the comcast by credit card and have to make cash payment in person 3 ) force to pay XXXX dollars as a result as the citibank is not interested in recovering the amount which they paid without permission. 
4 ) I was forced to take immediate action to avoid voiding the XXXX license because of citibank disputing the charges. and not letting me know that the payment is reversed 5 ) Massive frustration because of citibank delayed tactics. i send the personal check copy as proof of payment three time before the acknowledge receiving it ( as an example ). Any phone call to them starts with their no knowledge of this issue. 

the citibank does not appear to acknoledge their mistake and doesnt appear to address this issue.
Consumer complaint received 2023-04-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Good day Sir/Ma'am, how are you hope all is well, My name is XXXX XXXX , I'm writing this complaint letter in hopes of getting help from your agency to get my issue elevated to HSBC 's executive office and receive my sign on bonus of {$500.00} ( welcome bonus ) .I believe your agency is empowered to take needed action and get a resolution as soon as possible.I trust your agency that this issue would be completed in timely manner.Anyway I took advantage of their sign up bonus promotion back in XXXX XXXX so I attempted to sign up for a new checking account # XXXX, I set up direct deposit of $ XXXX with a reference # XXXX from HSBC 's website, per conversation with HSBC and XXXX XXXX reps. the automatic deposit was set up correctly and all was good.FYI I left more than enough to cover the 3 consecutive months direct deposits, this was back in XX/XX/XXXX, and so I thought, little did I know after their waiting game of 4 months, they failed to credit my premier checking account the {$500.00} sign on bonus ( instead they gave me XXXX cents and email survey ) I then realized this promotion HSBC was running at that time was more like a lead on bogus and not sign on bonus.It 's unfortunate burden falls on me to spend countless times/hours speaking with their customer reps. ( At this # XXXX spoke with XXXX XX/XX/XXXX she said to call the other dept.I did and spoke with XXXX he said somebody from higher up will be getting back with me within XXXX hrs in which never happened.HSBC other # XXXX today XX/XX/XXXX spoke with XXXX after I told him what happened and get status of {$500.00} sign on bonus, he just breathes on the phone and not say anything so I then hang up after I kept saying hello repeatedly without any help but a complete waste of time ( this money on XXXX XXXX bank I left aside would've yielded 4.1 % if I left this money on my other bank, not XXXX XXXX ) Needless to say writing this complaint letter to send to your agency and HSBC survey dept.to leave my feedback out of my busy schedule to get your agency involved in hopes to get this resolved ASAP.At this point I'm patiently waiting for HSBC 's response and resolution.If you need to reach out for question/clarification XXXX feel free to call me @ XXXX or via email : XXXX you for your involvement with this XXXX a great day.God bless!
Consumer complaint received 2015-12-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I have disputed with Equifax to no avail and they will not remove the accounts from my report. I have even sent my police report and also a letter from XXXX XXXX for removal of account. I am requesting them to remove XXXX XXXX and XXXX XXXX from my account
Consumer complaint received 2023-08-29
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. (NE)

I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim. Please take immediate action to rectify this situation and ensure that the account is promptly removed from my credit report. Thank you for your attention to this matter.
Consumer complaint received 2016-04-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I have been disputing credit items with Equifax & XXXX for over a year now every month or so! I have never had a Mortgage with XXXX XXXX XXXX and there is no documentation proving this! I have asked numerous times to have this removed online and in writing! These credit reporting company 's have refused to provide the proof, there system is automated to send reply 's in there favor if information can not be provided. 
I had a Mortgage with XXXX XXXX loans!!!!!!!!!!
Consumer complaint received 2017-01-08
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC. (NH)

I was lured into obtaining my free credit score from eqifax in XX/XX/XXXX or XX/XX/XXXX, only to realize that my checking account was being charged {$59.00} for a credit monitoring service, which I had never signed up for and/or given approval for. It took nearly XXXX months to remedy the situation and the finally agreed to discontinue the service, but refused to reimburse me for the {$59.00} monthly fees already charged over the last XXXX months. I have read that the suit against eqifax and transunion dates back to XX/XX/XXXX, however, I can assure you that it it began far earlier, as I ca n't be the only person this happened too. I respectfully request to be included with the other victims of fraudulent activities commited by Equifax and XXXX. I addition, I would encourage your department to investigate such activities and resultant victims long before the XX/XX/XXXX start period. Thank you.
Consumer complaint received 2016-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (FL)

I once again have received XXXX letters on the same day from Equifax, telling that my address has been changed from new address back to the old address ( 4.5 years ago ), and the other letter, says that my new address has been changed from the old address. I 've scanned these letters.
Consumer complaint received 2024-08-06
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. (NY)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Dear Sir/Madam : I checked my personal consumer report which I acquired from your organization and I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached. Please block and remove these addresses And all information from unauthorized inquiries unauthorized accounts on my consumer report and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : SEE ENCLOSED AND ATTACHED Sincerely