davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021 I sent a dispute letter to the credit bureau after reviewing my credit report. I noticed there were inaccurate items on my credit report and items that did not look familiar to me. It has been over a month already and I still have not received a response and my credit report is still showing the inaccurate items. These inaccurate items have been a huge obstacle in my life. After no response for over a month prior to completing this complaint I sent another letter demanding them to comply and conduct their investigation and respond. According to the law these items should be deleted because it has been well over 30 days and I have not been notified of any type of investigation taking place. I do not know what else to do.
Consumer complaint received 2021-03-10
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: Experian Information Solutions Inc. (IL)

The company was reporting an owed balance to the credit bureaus. The company asked me to settle the account and they would give me a letter stating that the account was settled for me to have it removed from my account. I've sent in multiple disputes to each credit bureau to have this removed and they are still falsely reporting a balance with the balance has been paid Since XXXX and it is now XXXX. Recent experian updated the account with a balance when this balance should be at XXXX. Neither of the 3 credit bureaus will remove this account when they are purposely reporting false information.
Consumer complaint received 2021-03-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (FL)

IQ Data contacted me today ( XX/XX/21 ) in an attempt to collect a debt of {$130.00} which was, to my knowledge still disputed. The company misrepresented the outcome of the dispute stating that the dispute had resulted in the debt still being active and I paid in fear of my credit score dropping. However, when I went to check the results of the dispute, the case had actually been ruled in my favor days prior. IQ Data misrepresented my dispute for financial gain at my expense.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In XXXX of XXXX XXXX XXXX charged off an account for a second mortgage that I quit paying on in XXXX. The account remained on my credit report for 7.5 years at which point it dropped off per the statute of limitations. However, in XXXX of XXXX the account reappeared on my credit report for no reason. Despite my efforts to contact XXXX XXXX, they have failed to respond or correct their error.
Consumer complaint received 2021-03-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

I recieved a settlement check for medical bills for less then I could have recieved but because I needed to pay my bills i accepted the low settlement. Then when i took my check to my bank they put a hold on it which was fine because they stated that it was just so they could verify the funds. The other bank has paid them the money and the branch who put a longer hold then required according to the call center refuses to lift the hold even though they have my money. Now they wont close my account or give me my money. I deposited the check on XX/XX/2021 in the bank and they recieved the funds on XX/XX/2021 or sooner and they refuse to give me my money till XX/XX/2021 even though they have it and its not their money
Consumer complaint received 2021-03-10
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. (NY)

I contacted XXXX XXXX XXXX several times at the end of XXXX and beginning-mid XXXX to notify them that I had changed jobs and my payday cycle was being changed. I told them that I would not be able to make my XX/XX/XXXX mortgage payment until the end of the month. Additionally I received a letter from the mortgage company that an additional {$140.00} was needed because the escrow was short. I contacted the company several times, and was told " no problem, as long as the payment is made before the end of the month it will not be reported to the credit agencies as being delinquent. '' I logged on to XXXX XXXX XXXX 's website on XX/XX/XXXX at approximately XXXX XXXX  to make my regular monthly mortgage payment as well as the additional money needed for escrow. The mortgage company did not process my payments until midway through the first week of XXXX. Additionally they sent me a follow up letter stating that they did not know what to do with the additional money I had sent them. XXXX XXXX XXXX reported me as delinquent to all 3 credit agencies, even though I made the payment before the end of the XXXX month. I had to make several phone calls to the company about what to do with the additional money I sent them. They could not find any record of a letter asking for this additional money amount. Then at the end of XXXX I received another letter from XXXX XXXX XXXX  stating that they miscalculated my escrow and wanted me to send them over {$2000.00} in the next 15 days to fix the negative escrow balance, or they were raising my monthly mortgage payment by over {$100.00} for 31 months to make up the balance! 

This company does not return phone calls. When I asked them to listed to my recorded conversations I was told they could not locate my calls. This was not a mortgage company of my chosing. My original mortgage company has been bought out and traded several times since originally getting my mortgage in XXXX. I have paid my mortgage every month, with the exception of when I was XXXX for several months due to XXXX on my XXXX back in XXXX, and at the time XXXX XXXX XXXX was not the mortgage company. I have always paid XXXX XXXX XXXX on time, with the exception of this one incident in which I called to notify them of a change in my paychecks. 

I am a XXXX who has been a frontline worker all during COVID. Despite living through and working a pandemic I always pay my bills on time. I am outraged that XXXX XXXX XXXX did this to me. As a result my credit has dropped from a XXXX to a XXXX. XXXX XXXX XXXX is refusing to correct this, and I am hoping you can help me.
Consumer complaint received 2023-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

Jefferson Capital systems LLC opened and put a report on my credit report called XXXX XXXX. I have never heard of it and also put a open date of XX/XX/2022. I believe this is fraudulent activity and needs to be removed from my credit report.
Consumer complaint received 2021-03-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I have submitted written dispute letters and as of today over 60 days later still no response. I feel like Im just a number in a large organization. I recently pulled my report and noticed inaccuracies. In researching how to get these inaccurate items removed I saw that my information was compromised in the Equifax data breach. Now more than ever I believe my information has fallen into the wrong hands. I hope you can assist me in getting this issue resolved sooner than later
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (IL)

I own a Citibank issued Costco Visa card. On XX/XX/2021, my wife and I shopped for her outfits from XXXX. Being an international transaction, Citibank blocked the charge, deeming it to be fraudulent charge. 

After several futile attempts to re-charge it, we contacted the bank confirming our identity, authenticity, and legitimacy of the charge. We spoke to several representatives in their fraud department since about XXXX XXXX  CST to XXXX XXXX  CST. Each time they would put us on hold, verify the information and suggest us to try processing the charge with the assurance that they've removed the " block '' ; however, to no avail. 

One of the reps outright lied saying it is not " us '' it is XXXX company itself putting a hold on my account. The amount in question was little over a XXXX US dollars. 

In two or three instances, we were intentionally disconnected while being on extensive hold, and no one followed up, despite having our contact number available, and promising to call back. 

As recently as XX/XX/2021, similar incident happened, when the rep, who identified herself as XXXX, who could not resolve the same issue described above. When asked to speak to a supervisor, which she obliged with, however, the supervisor under the pretense of verifying the information, put me on hold for a few minutes and then disconnected the phone. Again, no follow up phone call, explanation of what transpired, or apology of any kind. 

And by the way, after the incidence of XX/XX/XXXX above, my credit card was frozen for even local charges until I called and spoke with a bank representative. 

Used XXXX  XXXX XXXX Visa card and after the fraud alert block was removed after confirming the authenticity of my charge, it was a breeze making the payment. And, oh yeah, the most important thing is, with 3 % international transaction fees, they were {$54.00} and {$32.00} cheaper for both my transactions than using Costcos Citibank issued card. So, buyer beware! I promise to NOT USE Costco 's Citibank card as a featured card that I used to trust so much. 

Anyway, I feel, Citibank has blatantly disrespected, mistreated, and I would go to an extent to say that they've grossly and intentionally discriminated against us. 

Thank you.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Flagstar Bank, N.A. (GA)

We purchased a boat via flag star bank- I set up automatic payment drafts through the online portal- I did not realize that they were not debiting the account until after it was pass due- my husband spoke with and asked them to remove the late flag-
Consumer complaint received 2021-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (VA)

Back in XXXX XXXX I went to California for vacation and I lost my wallet with my Credit Card and Phone with Bank Information , Social Security Card and some cash in the taxi. When I realized, I Immediately filed a police complaint. I didn't know after filling a police complaint, I have to call my bank and all my credit card company to notify them about my lost things. I thought after I filed a police complaint they will get notified automatically. Which I made mistake and now I'm the victim of Identity Theft, and also, my credit is messed up and all my account is in collection department and I owe lot of money. 
Now I'm trying to fix everything, So I started communicating with them from XXXX and tried to dispute all those charges and account. 
So, specially in this financial hardship situation, if someone can assist me, I would be really grateful. 
Looking forward for a reply soon.
Consumer complaint received 2021-05-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Im so frustrated I do not even know where to begin I tried to call so many times and no one answers. 

I finally over a year ago got a copy of my credit report. 

It took me forever to get the experian login because I had so many issues as my ex boyfriend which I have a restraining order on had done so much with hacking me. 

Finally I seen some things and trying to get this fixed has been a nightmare. 
I thought they fixed after sending documents to all the credit report places still only part. 

Then today to find out my social security number is wrong now And how is this that someone keeps just applying for cards. 
Im trying to get a place how to find out who is doing this. 

Someone went and put a different address I sent proof was supposed to be removed and still there. 

I have a hospital been fighting forever I was locked up they took me by ambulance because had dental work and was bleeding they had to rush me there. 
I had state insurance. 
Why?? I called attorney and they said not worth it cause Im a felon to help me. 

Please help me!!
Consumer complaint received 2021-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (FL)

PROFESSIONAL DEBT at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX has been sending me collection notices in the amount of {$3800.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2021-03-10
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: Experian Information Solutions Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX, XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2017-08-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Harpeth Financial Services, LLC (TN)

Military service member. Have a flex loan from advance financial, have had for more than a year. Paying a 279.5 % interest rate. Looking for relief under the MLA guideline for military lending which states a maximum of 36 %.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Inquiries : XXXX - XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I have now been in the process of trying to have items removed due to XXXX XXXX with Equifax for over a year now. I have submitted all the documentation requested and it was the same documentation that worked to have items removed in the past. Not only are the employees in the department that handles these cases disturbingly RACIST and MICROAGGRESSIVE  but their gaslighting is also an entire issue for me. I am currently still dealing with being a victim of XXXX XXXX and it makes no sense that every time I call I am being met with customer service representatives who have attitude and nasty behaviors. I feel like the reason my disputes are being denied is because of retaliation towards me. There's no reason a victim of XXXX XXXX XXXX should be dealing with this. Today on XX/XX/year>, I contacted Equifax and spoke with a representative named XXXX, she was very microaggressive toward me because I advised her that I mailed a dispute to the company that according to my tracking information was received on XX/XX/year>. I wanted to know why the letter was still sitting there and when they picked the mail up. This was met with an attitude, of rudeness and I advised her I would like to speak to a supervisor and she mentioned that she's the highest form of contact. I advised her that there was someone above her. We got into an argument and then she disconnected the call. I called back to that actual customer service line and I was transferred back to that department, XXXX answered the phone and I'm sure she knew it was because you could hear the disdain and aggravation in her voice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX She then disconnected the call before I could even say anything. I called the department back and XXXX answered the phone again she sighed with aggressiveness and transferred the call to someone named XXXX. Once XXXX got on the line ; I was met with straight combativeness and an attitude. Every time I tried to speak XXXX began trying to talk over me. She then argued with me that she had just spoken with me even though I told her that was inaccurate. I was speaking in my regular tone and then XXXX began stating that I was yelling at her ( I wasn't ), I continued to try to speak and XXXX began to give me warnings and I advised her that it was very microaggressive to say a XXXX person is screaming because you don't like the tone in which they are speaking. Disgusting behavior that I did record and will be sent to an attorney.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account loan opened at XXXX XXXX XXXX under the account number XXXX opened XX/XX/XXXX with a balance of {$790.00}. XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX opened XX/XX/XXXX, XXXX account number XXXX that resulted a late payment on XX/XX/XXXX as do XXXX XXXX XXXX XXXX account number XXXX that resulted in a late payment on XX/XX/XXXX. XXXX XXXX XXXX account number XXXX XXXX XXXX resulting late payments due to XXXX XXXX. please remove all late payments. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, late payments or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, late payments and hard inquiries are the result of identity theft and fraud. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX from FTC report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.