davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
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: Experian Information Solutions Inc. (MD)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

"
Consumer complaint received 2024-09-06
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. (TX)

I would like to dispute these inaccurate accounts on my credit report. 

EQUIFAX : XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$7000.00} XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX {$5100.00} XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$7000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$5100.00} XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-09-06
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. (FL)

I am writing to formally dispute the reporting of a charge-off account on my credit report that I believe contains multiple inaccuracies. The account in question is associated with XXXX  XXXX XXXX, and here are the details .Please delete this acount
Consumer complaint received 2019-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MO)

We have citi card and the zero percent financing ended XX/XX/2019. We had a credit limit. We do not remember each credit cards limit because we rely on credit card company to deny any purchase over the credit card limit. {$4100.00} of credit card went over the limit and citi never declined credit card until after that huge amount was over billed. Then, citi said our minimum payment was entire amount of money over the credit limit, which they caused. We would like reimbursement of money over credit limit, reimbursement of any interest charged over credit limit, and for citi to stop these unlawful practices in future with other customers.
Consumer complaint received 2024-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2019-01-11
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. (GA)

On XX/XX/2018 I requested my credit report from Equifax. I received someone elses credit file that was not my own. I called Equifax 3 times to tell them what happened but they were not able to tell me what happened to my credit report or why I received someone elses credit report.
Consumer complaint received 2023-08-10
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. (IL)

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 paty.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 2019-01-11
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. (TX)

Two purchases made on XX/XX/XXXX for {$650.00} and XX/XX/XXXX for {$61.00} both with the same company, XXXX XXXX XXXX and paid for with my Gold MasterCard from Citibank group . 

Delivery was promised in XX/XX/XXXX. Then came a series of " oh, we're working on it '' and " we're a little behing '' from XXXX XXXX. Then their web page went dark, their phone stopped answering and emails were no longer answered. 

I filed a dispute with Citibank for the two disputed charges which totaled {$710.00} in late XX/XX/XXXX or early XX/XX/XXXX which was immediately reversed and credited to my account by Citibank. 

I considered the issue closed. 

Imagine my surprise when I open my XX/XX/XXXX bill from Citibank to find that the " merchant '' filed a blank answer to my complaint and the full amount was again credited to XXXX XXXX ( who was no longer communicating in any way to customers ). 

I responded in writing to the issue objecting to Citibank 's lack of diligence and failure to support my position, as their long time customer and in fact, I had NEVER received any merchandise, website closed, multiple, multiple XXXX  complaints on the " merchant '', phone lines dead. XXXX XXXX is a fraud, no longer in business and guilty of bilking unsuspecting customers out of money for products never delivered. 

The dispute is still open as of today ( XX/XX/XXXX ) but of course Citibank will not discuss the matter with me. 

I expect them ( Citibank ) to do the right thing and refund my charges but as time goes along, I am losing faith in the process.
Consumer complaint received 2019-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Re : Capital One World MasterCard promotion offering 0 % interest for 12 months with 2 % transfer fee. 

In XX/XX/XXXX I transferred in excess of {$5000.00} to my Capital One credit card. My current statement ( payment due date of XX/XX/XXXX ) does not reflect this agreement, but instead shows an interest charge of {$90.00} and a minimum payment of {$140.00} due on XX/XX/XXXX. Both of these figures are in error. 

On XX/XX/XXXX I spoke with three Capital One representatives ( rep ID numbers XXXX, XXXX, and XXXX ), including a supervisor. They acknowledged that there was a system error in recording the promotional offer. I was not informed by Capital One of this error either by mail or email before I had made my telephone call. 

These representatives told me that a correction may take " two billing cycles '' to correct and that I should continue to make the {$140.00} minimum payment ( s ) until this was corrected. 

I protested that the entire statement was in error and that the {$140.00} minimum payment was excessive based on my prior experience with these types of promotional offers. They were, in fact, asking me to pay for their mistake. They refused to offer either a reduced minimum payment in line with my expectations, or a waiver of payment until such time as they corrected their problem.
Consumer complaint received 2024-08-13
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. (DE)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I need Equifax to block this information from my credit report in four business days, pursuant to section 605C of the Fair Credit Reporting Act. you will have all my identification as well in the attachments below which is acceptable items which only 2 are required per the Law. I have gave you all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

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 :
Consumer complaint received 2019-01-15
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. (MI)

on XX/XX/2016, this account was opened by XXXX XXXX XXXX XXXX for a debt in the amount of {$140.00} for medical equipment ( XXXX ) that was covered by my medical insurance. I have XXXX children as dependents listed on my medical insurance. XXXX child received a XXXX  less than a year before this was prescribed. i was billed when the XXXX  child was prescribed a XXXX, in contacted my medical insurance provider whom sent me a explanation of benefits confirming this equipment was covered for one piece of equipment, per person, per year and that the coding on XXXX 's records could have been incorrect. I contact XXXX 's regarding this whom directed me to XXXX XXXX XXXX collection agency whom informed me all they could do was collect a payment. this has been reporting to all credit bureaus, with no resolution after filing a dispute.
Consumer complaint received 2023-09-28
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: Experian Information Solutions Inc. (KY)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-13
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. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX is refusing to remove fraud related account from credit report after multiple attempts and documents sent to them beginning in XX/XX/2023 just recently they just asked again for proof of identity which Im submitting the letter and also the information requested through this portal.
Consumer complaint received 2024-08-13
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)

Hi, I'm submitting this complaint because I have nowhere to turn to! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & Equifax didn't make sure it was reporting XXXX XXXX correct. 
In accordance with the FCRA and Metro 2 compliance reporting standards. 
Everything has to be XXXX XXXX  accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX XXXX accurate. I'm disappointed that XXXX, XXXX, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Consumer complaint received 2019-01-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (NC)

We refinanced with Citi Mortgage in XXXX. During that process the loan we secured paid off all previous lien holders. My wife and I began the process of refinancing our home to secure a lower interest rate and have our insurance and property included in escrow. Our credit union had agreed to re-finance in XX/XX/XXXX. When the credit union researched the title they found that two previous lien holders remained on our property deed after being paid off in the refinance in XXXX. I contacted Citi in XXXX regarding this problem and they only indicated that I should research and contact both lien holders and get them to release the liens. Unfortunately these were two predatory lenders who had both gone of business via bankruptcy. Our credit union then indicated we would need to involve a closing attorney to help clear up this matter. The attorney was unable to quickly solve this issue and pushed it back to my wife and I to deal with Citi. Calls  were made to Citi starting again in early XX/XX/XXXX. We were told by various staff members that they could not help in the matter and they were not responsible for ensuring that the deed was correct or clean. After speaking with several supervisors over a four week period they were only able to secure a release from one previous lien holder because their assets were secured by a company in current operation. They indicated that Citi would not be responsible for securing the lien release while still acknowledging that Citi engaged with a deed trust company to ensure that all releases were secured at the time of refinancing in XXXX. My wife and I know are unable to own or refinance home because of this significant title issue. We have been paying a mortgage for 16 years on a property that we could never own outright. XXXX XXXX from the Executive Response unit at Citi Mortgage indicated that they did not use an arbitrator and I would need to file my grievance with CFPB.

We can not move with forward with our refinance and may have lost the option secure this loan because of this delay. All loan paperwork will need to be resubmitted for approval only after the deed is clear. I have requested relieve form any payments until we able to refinance because we are not responsible for this delay. I also request that Citi release us from any penalty or fees at payoff because of their failure to do their due diligence at our XXXX closing.
Consumer complaint received 2019-01-14
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. (UT)

On XX/XX/XXXX, I had a payment of {$330.00} come out of my bank account. Their website showed a minimum payment due of {$130.00} approximately. ( this was confirmed by a rep today XX/XX/XXXX at approximately XXXX mst ). I realized that I was over my limit and the paper statement showed the {$330.00} as the minimum payment so I assumed that I had just read the website wrong. It was about {$20.00} off in XXXX so on XX/XX/XXXX, after my XX/XX/XXXX statement had posted, I took a picture of the minimum due on XX/XX/XXXX it showed {$140.00}. Today I logged on and it is showing a payment of {$210.00}. My paperless statement also shows the minimum due as {$210.00} but website clearly shows a minimum due of {$140.00}.
Consumer complaint received 2019-01-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NY)

I tried to get all credit bureau to get this collection agencies to verify that I owe the debt multiple times, by having this collection agencies mail proof that I owe this debt, and more importantly document showing that they have the right to collect on this debt. Instead they continue to come back with a resolution that they have verified the information as correct on my credit profile. However no proof from such collection agencies that I owe this debt are being provided. I would like a hard copy to be mailed out to my address from this agencies showing proof NOT a bill or last statement as previous.

This collection agencies must show evidence of authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

What is their authorization of law for their collection of information?

What is their authorization of law for of their collection of this alleged debt?

Please evidence their authorization to do business or operate in the state of New York.

Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. Until these validation is proven and complete the to my and law satisfaction, I will be continue to seek proof of such debts from collection agencies.
Consumer complaint received 2019-01-14
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: TIDEWATER FINANCE COMPANY, INC. (CA)

XXXX continues to have XXXX  on account incorrectly. I am attaching the monthly payments. XXXX was not late 5 times. XXXX has been reporting falsely for months and I have contacted XXXX XXXX XXXX XXXX which handles Consumer issues and they will investigate the company on these unless this is fixed. They continue to report avail credit incorrectly as well. As reported does not match the statements either. I have paid them over 2600 Attached is all proof. Also XXXX continues to report hard inquiries incorrectly. I have disputed all the ones I did not authorize. I did contact the ones I am disputing most of them do not answer any calls or emails because scams and 3rd party internet predators. I have 6-7 inquiries on XXXX and XXXX. XXXX  is the only one with almost triple amount. These need to removed immediately. These inaccuracies are causing harm and not being removed. Also attached the information as XXXX website will not allow me to dispute online it just goes to attached screenshots and sits there or tells me I have to pay XXXX