davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-07
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. (MS)

On XX/XX/2021, I sent Experian a letter disputing the inaccurate information of the XXXX XXXX account that they are reporting. It has been 30 days and I have not received any update or results from my dispute.
Consumer complaint received 2021-09-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I already reached out to the credit bureaus ( XXXX, XXXX  and XXXX  ) and to BANK OF AMERICA and notify them of their error posting for this account. The information they provided is different from other bureaus. The Date of Last Activity, Payment status, Payment History, High Credit, Date of Last Payment, Date Last Reported and Date Open are inaccurate. In addition, A charge-off should show a XXXX  balance. 

I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. No proof that this account belonged to me was given. No documentation was ever sent/received. The purpose of a time frame was to assure customers that disputes are taken so seriously that results must be completed within a reasonable time. They have failed to provide documentation and proof. Then I found out that the issue still persists, I just had to escalate to CFPB.
Consumer complaint received 2021-09-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello I sent my dispute letter to Trans union, XXXX and XXXX on XX/XX/2021. I have not heard back about my dispute its become a really stressful waiting and not getting the issue fixed. The credit bureaus are in violation being that they have 30 days to respond back but I have not heard back from them.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2021-08-25
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. (CA)

I the consumer XXXX XXXX, have reached out to Transunion on multiple occasions detailing fraudulent information on my account in relation to identity theft. They have stated that they are not governed by the FDCPA and when I brought up FCRA they also denied that they would remove anything relating to identity theft from my report. This is after I have submitted 4 FTC reports, called and detailed to them on several occasions that these items were fraudulent, the last date being XX/XX/XXXX, as well as XX/XX/XXXX. I have let them know that the following accounts & inquiries were related to Identity theft XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-25
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. (GA)

On the XXXX of XX/XX/2021 i filed a compliant about the incorrect information reporting on my credit report also complaint id # XXXX. I also disputed the problem with XXXX and Experian 30 days ago and have not received any results yet. by FCRA is a violation the item must be removed. XXXX XXXX XXXX collection account number XXXX
Consumer complaint received 2021-08-24
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CA)

My husband died and I tried to do a modification based upon my income. I started the process in XX/XX/2021. I filled out the paperwork and submitted bank statements each month as requested. My modification was denied in XX/XX/2021. I have decide to sell my home. My complaint is the payoff amount. They delayed the denial. I could have sold it in XXXX after the first submission. The payoff includes XXXX monthly payments. 
These additional payments should have been avoided if they would have offered me a forbearance. No options was presented to me.
Consumer complaint received 2021-08-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-08-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (GA)

1. I require *all* transaction information on my account ending in XXXX, subsequent to the XX/XX/2021 statement period. 

2. My account was closed by American Express on XX/XX/2021. 

3. As a result, I lost all access to online transaction information. 

4. Additionally, telephone customer service can provide no transaction information. 

5. In connection with three prior CFPB complaints regarding the remaining funds in the account, which were finally remitted to my bank, American Express provided me with all statements on the account through the statement for the period ending XX/XX/2021. 

6. However, there appear to have been a great many transactions for which I still have no record, for the time period from XX/XX/2021 to XX/XX/2021. 

7. I require this information for my accounting purposes. 

8. I was never provided a statement for what would have been the period ending in XX/XX/2021. 

9. I have absolutely no access to this information which has been permanently withheld from me by American Express.
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION (NE)

The company first advantage says I lived at an address for only one month. Says XX/XX/XXXX to XX/XX/XXXX. I lived there from XX/XX/XXXX to XX/XX/XXXX. I currently have a lawsuit against this rental company, XXXX, and I believe they are purposefully submitting false information. I am submitting this for myself. I also live in the same address currently that I lived in XXXX  rental properties ago and it failed to list it. This report says I last had a residence XX/XX/XXXX and this is just not true. I have been on a lease, save for one months time in a XXXX, since XXXX. And in XXXX it was the same address I live in currently.
Consumer complaint received 2021-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (FL)

XXXX XXXX, I WAS DENIED FOR CREDIT CARD I READ THE DECISION WAS BASED ON AND BY ALL THREE MAJOR CREDIT BUREAUS AND ANOTHER CREDIT BUREAU NAME LEXISNEXIS RISK SOLUTIONS INC. ( WHAT IS THIS LEXISNEXIS rISK SOLUTIONS INC. I THINK THAT COULD BE THE COMPANY THAT HAS ALL MY CREDIT IN RED THAT WAS PART OF THE BANKRUPTCY THAT IS DEROGATORY COMMENTS OF BEING 14 LATE PAYMENTS ON CREDIT CARDS THAT ARE NO LONGER MY RESPONSIBILITY SINCE MY DISCHARGE IS IN 3YRS COUNTING DOWN FROM THE BANKRUPTCY CHAPTER XXXX. CAN SOMEONE LOOK INTO THIS SINCE I AM PLACING MY ADDITIONAL COMPLAINT CURRENTLY XXXX  XXXX DENIED ME BASE OF XXXX, XXXX, XXXX, LEXISNEXIS RISK SOLUTIONS INC RISK VIEW CONSUMER INQUIRY DEPARTMENT. 
BASED ON DELINQUENCY AND DEROGATORY PUCLIC RECORD OR COLLECTION FILED BALANCE CREDIT LIMIT TOO HIGH LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED NUMBER OF INQUIRIES BY XXXX, HOW CAN THIS BE I ONLY HAVE BANKRUPTCY, NOTHING LATE AND SHOULD NOT HAVE ANY NEGATIVE MARKINGS, NOR COMMENTS. 

THAN THE FRONT OF THE LETTER BY XXXX  XXXX IN ADDITION TO THE ABOVE REASONS ALSO STATES : bASED ON YOUR CREDIT REPORT FROM ONE OR MORE OF THE AGENCIES ON THE BACK OF THIS LETTER, CREDIT BUREAU INFORMATION IS UNAVAILABLE BECAUSE THE APPLICANT WAS DETERMINED TO BE A MINOR?? BY THE CREDIT BUREAUS?? I NEED CFPB TO LOOK INTO THIS WHAT IS GOING ON I CAN NOT BELIEVE HOW MUCH TIME AND YEARS I KEEP HAVING NEGATIVE COMMENTS AND ALL THE CREDIT BUREAUS CONTINUE TO NEVER BE ON THE XXXX UPDATES OF PAGE. ALSO XXXX OR XXXX HAVE MY NAME AS XXXX XXXX XXXX WHEN I LOOK ON LINE VIA THE XXXX XXXX., MY NAME IS XXXX XXXX THAT IS IT! 1 I SENT IN SO MUCH AND CALLED AND SPOKE TO MANY TO PLEASE CORRECT MY NAME ON EACH CREDIT BUREAU EVEN THE RISK LEXIS WHICH I NEED TO KNOW MORE ABOUT THIS AND WHY THIS APPEARS ON AND OFF MY CREDIT REPORTS. THIS IS WRONG.. THAT IS WHY I HAVE SO MANY INQUIRIES THIS IS WHY I KEEP APPLYING AND WONDERING THE DENIALS ARE SOME WHAT THE SAME REASONS, BUT THAN I GET ANOTHER DIFFERENT REASON? THAN I HAVE TO ASK WHY.. PLEASE I AM FIGHTING TO KEEP MY CREDIT CLEAN, THIS IS NOT RIGHT!
Consumer complaint received 2021-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MA)

I applied the XXXX gold card with amex and checked with the online agent to confirm that I will get {$150.00} shipping credit. However, amex denied the offer and refused to offer the credit. Please checked the attachment for the chat transcript since I opened the account and the response from different aget with different answers.
Consumer complaint received 2021-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

I was the victim of identity theft and my account and debit card were charged without permission at certain merchants. I notified chime bank and have have submitted multiple disputes with them with, only to be denied on 95 % of the charges. They even denied a lot of charges at one merchant while refunding a few, " handpicked '' charges so they could look like they were actually investigating. After repeatedly asking for proof and documents every time i submitted the dispute, they came back with " merchant says they are not responsible '' and denied. Well i already know the merchant says that because i contacted them in the very beginning and chime evidently doesnt understand i am disputing with them, my bank. Chime evidently is unaware of the law and never issues temporary credit while doing their " fake '' investigation. I will attach the list of charges and results, you will notice they denied the majority of " XXXX '' but accepted a few of them, showing how inconsistent and fake they are.
Consumer complaint received 2021-08-24
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. (NV)

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V/ GRAVENS ( MO ) 281 SW 715, 719, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE AND SUCH DEBT, IN FACT EXISTS/ FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2021-08-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC (FL)

Client came forward wishing to make a 100 % cash purchase of a property and submitted her offer as such. Client was then hastily talked into a mortgage in the last few days prior to closing. Client did qualify for a VA loan with better pricing and lower closing costs. However, client was misled and sold a higher interest rate product with higher closing costs outside of the VA system with the prime objective of sales commission and not the clients ultimate interest.
Consumer complaint received 2021-08-24
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. (NJ)

1. I charged {$500.00} using my CitiBank Mastercard to my XXXX account on XX/XX/XXXX 2. I called the fraud division of CitiBank on XX/XX/XXXX to stop payment, as I did not recognize the transaction due to the poor description on the Citi statement ( description reads : XXXX XXXX XXXX XXXX there is no reference to XXXX name ) 3. Citi credited my account with {$500.00}, at this point I was no longer responsible for the payment for {$500.00}, and CitiBank commenced process of retrieving back the funds from the Merchant ( XXXX ) 4. XXXX deducted funds from my XXXX account on XX/XX/XXXX 5. I called CitiBank acknowledging the transaction and informing the bank that the transaction as legitimate on XX/XX/XXXX 6. Citi charged me {$500.00} on XXXX billing, statement attached for your review. 

7. CitiBank sent funds of {$500.00} to XXXX on XX/XX/XXXX. Transaction identifier has been provided to me. 

8. XXXX  claims that founds sent in XXXX, never was received by them and they never credited my account. 

9. XXXX claims they are unable to locate the funds. XXXX claims that money was returned to Citi as part of the chargeback process initiated with fraud report. I agree with this part of their statement. They however do not recognize the part that money has been send AGAIN to them on XXXX XXXX and refuse to credit my account. Citi Bank was notified about the issue, but it is not contacting the merchant nor crediting my account. I spoke several times with Citi reps and they state that since I took responsibility for the transaction, they will not investigate it as a fraud. The fact that money sent back didn't make to the merchant, is of no concern. They stated that they never tried to contact XXXX and resolve the dispute. Citi never investigated what happened with the money, they only state that it left the bank. I request to be refunded, Citi did not deliver the funds to the intended recipients, they never even tried to state that they fully investigated what happened to my money.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My report is showing an arrest from 2016- that was updated because of an appeal in XX/XX/XXXX but the conviction and arrest was from 2016 which is 8 years way past the statute of limitations.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.
Consumer complaint received 2021-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

Wednesday XX/XX/XXXX at XXXX XXXX  I made a cashiers check deposit into a chase atm account. I got a receipt immediately saying I should call a number with the claim number provided to make sure my money was deposited. There was no records of the deposit once I called. Chase continues to say theyll expedite things and send emails informing me of the actions but nothing has been resolved and Ive yet to be reached out to. All the communication has been due to me calling 1-2 times a day. 
Ive used chases atms for years and never had this issue before. This is a business account that I use for payroll and there seems to be no concern whether my business will make it or not.
Consumer complaint received 2024-10-11
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: EGL US, LLC (DC)

I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2021-08-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (NV)

I tried to pay the entire loan balance of {$110.00}, I gave the phone rep my credit union routing number and account number on XX/XX/2021. I received an email saying the payment was made. The money was never taken from my credit union checking account and the confirmation code for the payment was XXXX. 

They NEVER processed my payment even the email said they did. I quote the email : Hello, XXXX XXXX PayPal Credit You paid {$110.00} Here are the details Amount paid {$110.00} Paid on XX/XX/2021 PayPal Credit account ending in XXXX Your payment has been applied to your PayPal Credit account balance. 


I have repeatedly tried to contact this company. I constantly get technical errors. I quote : Sorry, there was a technical error. Please try again later. 
Return to PayPal
Consumer complaint received 2021-08-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Good afternoon, I am writing to you because I never authorized any furnishers to report on my credit and the information they are putting on there are fraudulent and wrong. I wrote to all 3 credit bureaus and none of them responded in over 2 months. I want these frandulant reports removed or I will seek litigation because what they are doing is also wrong by putting false medical reports on there I never authorized to report and they never verified any of this. Thank you for your time.