davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-22
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. (MO)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-12-22
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. (TX)

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. 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 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX XXXX  XXXX Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2023-06-09
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. (TX)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX  XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-22
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. (TX)

According to 12 CFR Part 1026 ( Regulation Z ), the finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. 
The finance charge assessed by the company at the time of signing documents includes any charge payable and imposed. Due to this fact, any and all late marks found on any of my consumer credit reports by the company are inaccurate and need to be corrected.
Consumer complaint received 2021-12-21
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. (MD)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-22
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: I.C. System, Inc. (GA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. IC SYSTEM account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. They failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( IC SYSTEM XXXX )
Consumer complaint received 2021-12-22
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: Experian Information Solutions Inc. (CA)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2021-12-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc. (VA)

Company : American Financial Network , Inc . 
| NMLS # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Company personnel failed to conduct themselves in a professional manner that proved detrimental to my refinance process. Lending company utilized a 3rd party appraisal company and failed to follow up when appraisal was not only inaccurate, but misleading. instead of working with buyer to rectify situation within the 24 hour period, company negligently sat on accurate property information, which was requested to address the inaccurate appraisal report. Loan officer advised appraisal was already submitted on Wednesday XX/XX/XXXX with 24-48 hour turnaround ; however, after I had to chase down leads on XX/XX/XXXX to gain an accurate status to eventually speak with the actual appraiser whom informed he'd never received any request to redo the appraisal. Company then displayed ineffective and egregious communication tactics which caused the required comps to refute the original appraisal of property to become invalid. Company was aware of the inaccurate appraisal report and overcharge of said report and informed me to " deal with it, as appraisal company does not have oversight ''. When I informed that was unacceptable, company responded in aggressive tone and demeanor, with the attempt to gaslight into silence. I have attempted multiple emails to cancel this process and am actively being ignored by the company.
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (MD)

My car was salvaged my insurance paid everything. 
Why is this on my credit report. This is being reported on my account with out my consent. If there was a debt that I owe to this company I would pay it but this incorrect information being reported. I also never have been late on a car payment. This is defamation of character.
Consumer complaint received 2021-12-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Moore Law Group (CA)

On XX/XX/2021, the Moore Law Group threatened to sue on a debt that does not appear on my credit report. After 10 or more years, I have no records to suggest that the debt went unpaid. The amount the threatened to sue for us {$1900.00} and I retained a copy of the letter sent with their empty threat to file a lawsuit.
Consumer complaint received 2021-12-22
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: Experian Information Solutions Inc. (AL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Maximus Federal Services, Inc. (VA)

I tried contacting their company multiple times over the last few days. I am placed on hold for over and hour and then the phone disconnects. I tried to place my loan in forbearance online and its not giving me the option for a general forbearance. I know that I have 18 months left for general forbearance so this doesnt make sense. I need help.
Consumer complaint received 2021-12-22
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: Experian Information Solutions Inc. (FL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-22
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. (PA)

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 Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX  ) XXXX
Consumer complaint received 2023-06-09
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. (CA)

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX US DEPT ED XXXX Balance Owed : {$480.00} US DEPT ED XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DataMax Corporation (NC)

On XX/XX/21, I called Datamax and spoke with XXXX. I paid a total of {$950.00} to pay off XXXX collections with their company. I was advised by XXXX that when paid, they would submit a deletion request to XXXX and that the collections would be removed from my report within 30-45 days. 

On XX/XX/21, I called Datamax and again spoke with XXXX. She advised that she would resubmit the deletion requests and to allow ANOTHER 30 days for them to be removed. On XX/XX/21 I checked my reports and the collections are still present. Also, they are still reporting that a balance is due, which is misleading to any creditor that is viewing my reports. 

You will see on the attachments that the " Last Reported '' date for Datamax was on XX/XX/21. I feel that this is a bait and switch situation.
Consumer complaint received 2021-12-22
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. (SC)

Social security numbers on my account and on my husband 's account at XXXX, Experian, and XXXX have the last four digits transposed. We were told this by XXXX XXXX, Finance Manager at XXXX XXXX in XXXX XXXX, SC XXXX on XX/XX/2021. We have ordered a car for next year and would like to purchase it. Thanks.
Consumer complaint received 2021-12-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Lenox Financial Mortgage Corporation (MA)

I responded to a radio commercial from Lennox Home Loans in late XXXX and it offered a no closing cost loan. I applied and was eventually approved for a loan, but neither the Loan Estimate nor the Closing Disclosure itemized the {$100.00} x 2 recording fees for recording the discharges on the 2 existing mortgages that would be paid off with the proceeds of the new loan. 
I asked Lennox for assurance that the discharge recording fees were included in the LE and CD disclosure documents, and Lennox represented that they were included. 
My loan was closed in XXXX, but it turns out that the 2 discharge recording fees were not included in the Loan Estimate, the Closing Disclosure or the Lender Credit that was supposed to pay for all such expenses. 
The attorney who closed the loan at my house emailed Lennox after the closing asking them to forward the discharge recording funds {$100.00} x 2 to him. He is the one who ordered the loan payoff numbers and he had the lenders send the original discharge documents to him for recording as is customary in a mortgage refinance transaction. 
Lennox Home Loans has still not sent the {$100.00} x 2 funds to their attorney despite their assurances that the discharge recording funds were accounted for in the Closing Disclosure and that the 2 discharge documents would be recorded. 
I have all the emails to back up my claim.
Consumer complaint received 2021-12-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I first seen a late payment reported on my report late XXXX of 2021. A credit card payment from XXXX XXXX XXXX reported as late. Days prior that I made the payment as usual on the date and time that it was due. I went into a XXXX XXXX XXXX and spoke with a representative about the payment reporting on my credit as late when it wasn't. The rep said I had no late payments and I need to contact the bureaus about the incorrect information. I called the bureaus and advised about it which they concluded I needed to send a dispute letter via mail. On XX/XX/2021 I sent them a copy of the bank stating that I didn't have a late payment reporting on their end. I called a many times and had a hard time getting a hold of someone and if I did I was disconnected or hung up on by the bureaus. A month after no updates, I sent another letter after having another late payment report for both XXXX and XXXX. The 2nd letter I sent express and the bureaus still till this day say they haven't gotten anything from me. I'm tired of being patient for them to remove the 2 lates that the bank says are NOT late, off of my report. I need help please I don't know who I can speak with about this matter at this point. I understand bureaus are busy and may make mistakes but I do not want false information reporting to my report!! It should be against the law to have no say in false info on something as vital as my credit report! I'm burnt out please help
Consumer complaint received 2021-12-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (PA)

I received a Chime XXXX card in the mail in which I did not apply for. They have my personal information and wont allow me to close it. This is identity theft. Please advise. XXXX wont allow me to handle this matter. XXXX another option. I dont feel comfortable putting my personal information in an email
Consumer complaint received 2021-12-22
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. (FL)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have disputed unauthorized inquiries that appear on my credit report. Unfortunately, TransUnion has not removed. TransUnion has not provided any proof that I initiated these inquiries or that an investigation was even conducted. The unauthorized inquiries are as follows : Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXXXXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2021-12-22
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. (PA)

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 Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

My experience with Citibank has been awful. About two weeks after I opened a few accounts with them : Personal, Business, and a Joint checking with my husband. Every account was suddenly blocked. 

I spent my whole Saturday morning on the phone trying to figure out what happened and got nowhere. I ended up going to a branch Monday and after much research we found it was due to a check I deposited. My neighbor wrote my business a check for services and Citibank determined this to be a fraudulent check without even reaching out to my neighbor to confirm. My neighbor is also a Citibank customer. My neighbor went to the branch to confirm that it was him that wrote the check and it was in-fact valid. It tooks days to finally get access back to my funds and accounts restored. 

Between then and now I've had issues transferring money in where the transfers will not go through. 

But today, XX/XX/2021, I login to my Citi account and notice that my Savings account is showing " Blocked ''. I just opened this account recently. 

I then logged into my joint checking and noticed that this account shows " Blocked '' as well. 

I call up and I'm told that the account was blocked and I will be mailed a check with any funds that may be present within 90 days with no reason given whatsoever. They said the local branch will not help me either. NOT COOL! I just switched my direct deposit to the XXXX account and now I am not going to receive my holiday bonus and regular paycheck right before XXXX. 

I switched to Citi on the recommendation from a friend, since I switched from XXXX to Citi I have had so many issues and it's caused me stress on a daily basis.