davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX in XXXX Michigan states I was late in XXXX, XXXX and XX/XX/2018. I paid off my car loan in XX/XX/2018. This account was paid on time for the whole contract. I wrote letters, called and also dispute on my credit report with no answer or help. Its getting frustrating and also damaging my credit report. I submitted a request for my title in XXXX to be sent with the company name removed off of it and never received the title. i am unable to upload any documents at this time.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

The credit score Experian presents to me on their site, where I login, is not the score Experian shares with an institution using their services, be it soft or hard pull, to check my score. The score differs by XXXX points! I felt confident enough even with a weak score of XXXX to apply for a refinance on my vehicle. Come to find out Experian reported to them a current score of XXXX. Now I have yet another hard pull on my credit. This is not the first time Experian has deceived me. As an individual with XXXX, I believe the information from one of three possible credit lords should be accurate. They are quick to inform me about a hard pull but not so much on building a false sense of confidence whilst remaining ever loyal only to the system they answer to
Consumer complaint received 2020-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (PA)

XX/XX/XXXX XXXX XXXX  : Received a Fraud Alert text from CitiFraud Dept :  " Did you attempt {$1700.00} at XXXX XXXX XXXX XXXX on XXXX Yes = 1, No=2 '' Case # XXXX XX/XX/XXXX XXXX AM : I typed " 2 '' in response to say no. Also followed up with a phone call to Citi to confirm. Citi confirmed the charge was fraud and that there were no additional transactions, cancelled the card, and issued a new card. 

Approximately XX/XX/XXXX : Noticed a charge on XX/XX/XXXX Statement for  {$110.00}. Charge posted on XX/XX/XXXX to the account that was supposed be cancelled by Citi for a purchase from XXXX XXXX XXXX XXXX. Called XXXX XXXX number that was on the statement to dispute charge. 

XX/XX/XXXX : Received call from XXXX legal department who confirmed that charge was not initiated by me. They stated that it appeared to be a fraudulent charge and are taking legal action against one of their consultants who made the charge. They told me I need to contact the credit card company to have the charge reversed since it was fraudulent. 

XX/XX/XXXX until XX/XX/XXXX. Have made a myriad of contacts with CitiBank. Have been bounced back and forth between the Fraud Department and Billing Dispute Center with a final determination in the vendors favor. During that time, also forwarded an E-mail to Citi Dispute Department from the XXXX legal department confirming that I did not make the charge to them. CitiBank has also been unable to or unwilling to provide any evidence to me that I authorized the charge. Contact at Citi also stated that the vendor did not respond to Citi 's inquiries. Why would Citi rule in favor of vendor who did not respond over their customer who has been very responsive and took the initiative to reach out to vendor to confirm that I did not make the charge. 

Additional points. Prior to this transactions, I have not had any dealings with XXXX  in recent memory. The credit card in question was only newly issued in late XXXX and therefore, I could not have been the one to provide the credit card # to XXXX. Additionally, Citi Confirmed on the morning of XX/XX/XXXX that there were no additional charges after the {$1700.00} charge on the card right before they cancelled that card. They should have been responsible for preventing any additional charges to the card from that point on. Apparently they were too slow to cancel the card and at some point between the time at which they said they would cancel the card and when it was actually cancelled the XXXX charge hit the card.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ). 

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. My correct name is XXXX XXXX but bureaus are reporting it as a XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Also my current address is XXXX XXXX XXXX XXXX, Iowa XXXX, But bureau reported that I have many addresses like XXXX XXXX XXXX XXXX, IA XXXX, XXXX XXXX XXXX XXXX, NE XXXX, XXXX XXXX XXXX XXXX, IA XXXX, XXXX XXXX XXXX XXXX XXXX NE XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-21
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. (GA)

I just recently looked at my credit report on XX/XX/year>. I saw some late payments ; they were supposed to be on time. And the creditor said " I wouldn't be marked late because I had things going on not because of the pandemic but because I was incarcerated. XXXX XXXX, XXXX XXXX, and XXXX XXXX  XXXX are my missed payments. I sent a letter to Equifax to get this fix, but they still said everything is reporting correctly. But it's not. Can you help with this situation? Thank you.
Consumer complaint received 2024-08-21
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. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd 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 2021-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

on XX/XX/2021 and XX/XX/2021, I was charged additional fees on my credit card of XXXX and XXXX respectively. I have recurrent payments of XXXX that are debited every month from my bank account to pay on my Citibank cc which I agreed to. I never agreed to any additional fees or payments and I've contacted Citibank about this matter. I find this issue to be very disturbing.
Consumer complaint received 2021-08-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

In XXXX of XXXX my VA loan was purchased from XXXX ( my lender ) by NewRez ( a relatively new mortgage lender ). I received some information regarding the transaction, but not the information on where to direct new payments. I followed verbal information provided by phone. All my payments originated from my online payment account. Although all payments were initiated in a timely manner, New Rez claimed one payment was delayed in processing and filed a delinquent payment report against me. This meant that I was not eligible to use my VA loan benefits for an extended period of time. 

None of my efforts to resolve the issue with New Rez were successful. I paid off the mortgage and moved on. My concern is for service veterans victimized by New Rez. If they purchased a portfolio of loans from XXXX, chances are good that many of those loans are with either retired or XXXX XXXX personnel. XXXX XXXX personnel in particular are likely to be vulnerable to incompetence and inadequate staffing at New Rez. My hope is to shine some light on a problem that will result in loss of VA loan benefits by current and former military personnel.
Consumer complaint received 2021-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

On XX/XX/2021 I received an email stating that my case with Consumer Financial Protection Bureau was closed AmeriHome is claiming that I failed to respond to a request for an affidavit. That is an untrue statement I have proof of my receipt that the package was dropped off at XXXX XXXX on XX/XX/2021, and a XXXX  XXXX confirmation that it was received. I have left a message and faxed the proof of my affidavit being received by AmeriHome to the Customer service Manager that made a false statement. This Mortgage company doesn't have anyone with actual knowledge of my case. Every time I call customer services the representative doesn't have any information and tells me to call back within 24-48 hours so that they can get email respond and in return have a response for me. It is impossible to resolve an issue of the magnitude with them without speaking with a person that has information and responses for me.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

While checking my personal credit report, which I acquired fromXXXX, I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XX/XX/2022 I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Consumer complaint received 2021-08-25
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

A auto loan was ooenes online by my fathers ex wife she used my name my social but put her cell phone number. Her email. And her address and i been fighting this sinceXX/XX/2016when it happened and nothing has been done..i provided police reports showing she opened many other accounts in my name and that the address that was uses was not mine.
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)

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 TransUnion 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 TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (AL)

I purchased a set of headlights from a gentleman in XXXX for {$4800.00} on XX/XX/2020, using my Citi credit card through XXXX. When the lights arrived, one was damaged. I was unable to receive compensation for the damage from the seller, so I disputed half of the amount with Citi. I was awarded the disputed half at {$2400.00} ; however, the remaining {$2400.00} ( the full payment balance ) was also pulled from the vendor by XXXX and never returned to either the vendor nor myself. I have contacted Citi and XXXX at length, and have been told repeatedly by Citi that only half was disputed the half and they have no control over the other half, and by XXXX that the full amount was pulled from the vendor and returned to Citi. Citi needs to work with XXXX to determine where that other half of the money is, because as of right now, 9 months later, neither party has that {$2400.00}
Consumer complaint received 2020-08-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK (PA)

Hello, On or about XX/XX/2020 an automatic/recurring payment triggered, transferring {$500.00} from our joint checking account directly to TCF Bank. At the time, we only owed a small amount of interest in the amount of {$34.00}. This resulted in an over-payment of {$460.00}, which is owed back to us, the borrowers. 

I called TCF and explained the issue and was told that a check was being issued to us for the overage. The check never arrived and upon calling a second time, I was told that we had to wait 90 days to receive a newly issued check due to " company policy. '' I explained how this was unfair and that the bank would not similarly allow us the borrowers to miss a payment obligation for three months without charging interest or fees. I asked that the issue be escalated and I was told that I would receive a call back ( I never did ). 

Yesterday ( XX/XX/2020 ), I called back to yet again inquire about the funds owed to us. After waiting on hold for 42 minutes, the customer service rep could not locate any of these prior discussions in their system and had to connect with a back office function ( I assume Accounts Payable ). I was told that I would receive a call back within 24 hours once they accessed an old system. I have not received a call as of the time of this CFPB complaint. 

I will soon be closing out this HELOC entirely, in large part due to this experience. I want to make sure that I receive the money owed before that happens. It's been over three months since this occurred and it's particularly egregious to withhold close to {$500.00} given world events and the economy. 

The attached statement shows that we had no principal balance and a " principal adjustment '' of + {$460.00}. 

Thanks for your consideration and assistance in resolving this matter.
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have submitted numerous complaints already through the CFPB portal so please look to them as reference. Basically, I just found out that my actual SSN is XXXX and received a reprinted card to show exactly that. I attached it below along with my driver 's license. For my entire life, I've been using XXXX because that's what my old SSN card showed because it was misprinted. I spent months trying to get all of the credit bureaus to change the SSN on file to XXXX, but now I need them all to change it to XXXX. I already am in the process of having this situated with my creditor - XXXX XXXX.I also attached the first page of my credit report which clearly shows that the different credit agencies are reporting different SSN 's under my name.
Consumer complaint received 2021-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (AR)

Citibank along with XXXX XXXX XXXX XXXXXXXX, all lost my payments that where made from XXXXXXXX XXXX XXXX and of course claimed I took the money back but I am not XXXX XXXX XXXX. this has gone on for months and trying to talk to the fraud departments is impossible. they make you call machines where you will spend hours trying to talk to a person in this country who can speak English. every time you ask for a name or id from them they will not respond. I am a poor XXXX man that they have robo called to death threatened to destroy my credit rating and did unless i pay them which I talked to all of them and said I would pay my bill like always but not until they figure out where my payments are going be cause each time i make a payment i get an email and about three days later I get an email saying my payment has posted which they say a week later i took the payment back which is impossible but XXXXXXXX XXXX XXXX records says payment returned but it did not post to my account. I have lost accounts and loans and hours of work plus the stress and embarrasment at banks and business accounts places where i was denied accounts because of this along with background checks that have cost me business and you can not call them just a machine.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

Hello, I am writing to dispute the accuracy of my credit report as reported by the credit bureaus. 

Furthermore, my current address is XXXX XXXX XXXX XXXX XXXX, New York XXXX, but the credit bureaus have reported multiple incorrect addresses. These addresses include XXXX XXXX XXXX  XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX 

These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( a ) ( 1 ) which requires that consumer reporting agencies and furnishers of information to credit bureaus must ensure that the information they report is accurate and complete. Additionally, Section 623 ( a ) ( 2 ) requires that consumer reporting agencies must conduct a reasonable reinvestigation of disputed information upon request by the consumer, and must modify or delete inaccurate information. Furthermore, Section 623 ( b ) requires that consumer reporting agencies must block information that is inaccurate or incomplete from being included in the consumer 's credit report.

Moreover, the inaccuracies in my credit report have had a significant impact on my life. For example, I was recently denied a loan due to the incorrect information in my credit report, which has prevented me from achieving my financial goals. Furthermore, the multiple incorrect addresses have caused confusion and delays in my daily life, such as with receiving mail and packages, and have caused unnecessary stress and frustration.

Therefore, I am requesting that the creditor remove these unverified accounts from my credit report and take all necessary steps to correct the inaccurate information in my credit report. I am also asking for the enforcement of the legal requirements of the FCRA and the Fair and Accurate Credit Transactions Act ( FACTA ), specifically Section 114 which requires that creditors and lenders must truncate credit card and Social Security numbers on any receipts or documents they provide to consumers, in order to prevent identity theft, and Section 315 which requires that creditors and lenders must take reasonable steps to protect their customers ' personal identifying information ( PII ) from identity theft.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX