davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2022-02-25
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: EQUIFAX, INC. (CA)

I certified mailed a letter informing XXXX, Equifax, and XXXX of the identity their and the accounts that are not mine. Along with the letter I have sent them a police report, the a copy of your FTC Identity Theft Report, a government-issued ID with a photo, proof of your address, social security card and Notice to Furnishers of Information.
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

I have included in this complaint a photocopy of the three ( 3 ) accounts in question per my Equifax credit report dated XX/XX/2022. I have attempted to resolve the noted issues per the attached document on several occassions via online submission and just sent said lettter via certified mail with return receipt earlier this week. I have even attempted to call and speak with someone in detail about this issue to no avail. 

Essentially, the data fields for the three ( 3 ) accounts in question are substantially incomplete. Of primary concern is the absence of payment history and data, which itself constitutes 35 % of my credit score ( myFICO ). For two of the attached accounts, the credit report indicates that i am 90+ days late when I have in fact never been late or charged off a related balance.

As stated, payment history constitutes the largest portion of a person 's credit score. Consequently, the Credit Reporting Agencies failure to remedy this situation is hindering my attempt to acquire new credit presently.
Consumer complaint received 2022-02-25
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. (GA)

It saddens me that I have account ( s ) on my credit report that are illegally being reported hence withholding me from seeking new lines of credit. XXXX, XXXX, TransUnion and the original creditors are BREAKING THE LAW. I have disputed these alleged accounts with XXXX, TransUnion XXXX on -- -- -- -- -. The account ( s ) from XXXX XXXX with the account number ( s ) XXXX & XXXX.The account from XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) with the account number XXXX which is reporting on my XXXX and XXXX need to be removed. XXXX, TransUnion, & XXXX are in violation of 15 U.S. Code 1681b which states in subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX, never gave XXXX, TransUnion, or XXXX any written consent to report anything on my consumer report. No consent is in fact identity theft. Additionally, they are also in violation of another code. They are also violating18 U.S. Code 1028A : Aggravated Identity Theft which states ( a ) Offenses Pursuant to subsection ( a ) Whoever, during and in relation to any felony violation, knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. The law states that whoever knowingly transfers, or uses, without authority, a means of identification of someone shall, in addition to the penalties for such general felony, will be sentenced to imprisonment of 2 years, or 5 years for terrorism. Hence, I, XXXX XXXX, never gave XXXX, XXXX, or TransUnion any written consent to transfer, or use, without authority, a means of my identification. No consent is indeed identity theft. I demand to see a affidavit singed by a, XXXX, TransUnion, or XXXX supervisor or executive detailing where I gave them written consent to transfer my identification!!!! You have violated U.S. Code 1028A. I have tried endlessly to remove these accounts with the credit bureau and creditor they have failed to remove the information they illegally furnished. Sadly, I will have no choice but to stop extending my credit report to anyone if this can not be resolved. I know my rights.
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Transunion has failed to verify and report accurate information on my report once again. They allowed the original lender to falsely create a open and close date for an account that dates back to late XXXX. The account was closed in XX/XX/XXXX. The date they allowed the lender to report is showing XX/XX/XXXX. I am in the middle of a mortgage. If they fail to respond in a timely manner I will take legal action if this causes me any more hardship. Their inability to comply with FCRA guidelines and verify accurate account history and information is unacceptable. The only way that seems to work is getting another party involved.
Consumer complaint received 2022-02-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I received notification from Equifax that information was updated on my report. The creditor reported inaccurate information that hurt my score significantly. They reported that my account was 90 days late on an account for the month of XX/XX/XXXX. The account was closed over two years ago and paid on XX/XX/XXXX. When I called the rep. He explained the account was in dispute and the case was not closed. But when I provided proof that his own agency reported the update from the dispute. He questioned how could that be possible if the case is still open. I provided proof from the company itself as well as FICO. He refused to help me by saying I had to wait until the dispute was finished. But I explained if the dispute was still open how could they report an update on the account in question in regards to my dispute status. I have provided images showing the dispute being updated by Equifax on this date. If they do not immediately fix this mistake I will take legal action. Their lack of concern was disheartening.
Consumer complaint received 2022-02-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/2020 Account Balance : {$620.00} These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Equifax Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance {$36000.00}
Consumer complaint received 2021-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION (NY)

On XXXX, XX/XX/2021, I checked my balance on my M & T checking account and saw there was a withdrawal on XXXX, XX/XX/2021 in the amount of {$900.00} with the description of counter withdrawal. As neither my husband, nor myself had completed this transaction, I called the XXXX branch of M & T when they opened at XXXX. I spoke with XXXX XXXX, Banking Office/Senior Relationship manager who said she would investigate and get back to me. XXXX called me back a short time late, she advised that a gentleman meeting my husbands description visited their branch on Friday afternoon and completed the withdrawal. Additionally, she stated this gentleman had a valid ID and a benefits card which he used to complete the transaction. At that point, we made an appointment to go into the branch at XXXX to complete a fraud affidavit. 

Upon arriving at the branch with my husband on XXXX afternoon, XXXX explained that a gentleman by the name of XXXX XXXX XXXX had initiated a withdrawal from his account on XXXX  afternoon. XXXX showed us the signature on the withdrawal slip which clearly showed the signature of XXXX XXXX XXXX, however, the teller had filled in the account information with my account number. My husbands name is XXXX XXXX XXXX and the signature was no where near a match. XXXX then advised that we can complete the fraud affidavit just to be safe but was 95 % sure this was simply teller error. Additionally, they contact XXXX XXXX XXXX and left a message. XXXX then informed me that they were unable to correct the error and put the {$900.00} back into my account unless/until they spoke with XXXX XXXX XXXX. She did assure me that at the latest, the funds will be back into my account today, XX/XX/2021 as XXXX was a bank holiday. 

This morning, I received a call from XXXX the branch manager. XXXX confirmed this was a bank error and although it would be correct at some point today, the funds might still show as pending and I would possibly not be able to access the funds M & T took from my account in error until tomorrow. When I asked why this couldnt be corrected on XXXX when I was at the branch and it was determined the be a teller error, XXXX stated that it was because the federal reserve was closed. This makes absolutely no sense. If they wanted to wait to speak with XXXX XXXX XXXX, the {$900.00} shouldve been taken from the branchs general ledger account and given back to me immediately. This is unacceptable. Funds were taken from my account in error on XXXX XX/XX/XXXX and I wont be able to access them until tomorrow, XX/XX/XXXX????? 

I want my funds back into my account immediately. I also want financial compensation for this error as I was out {$900.00} for 4 days longer than I shouldve been. This error shouldve been corrected immediately upon discovering the teller error. Additionally, I want a written apology from the branch manager for this error and for not fixing it when it shouldve been fixed. Instead, I was given excuses.
Consumer complaint received 2022-02-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have sent dispute letters to Department of EducationXXXX XXXX They have never validated the debt as requested. The only thing they have done was make a remark on my credit report. As I have stated to this company DOES NOT have my permission to report any information to the credit bureau. This is a VIOLATION OF 15 U.S. 1681 ( a ) ( 4 ), 15 U.S. 1681a ( 2 ) ( B ) and 15 U.S. 1681b ( a ) ( 2 ). I was never given the opportunity to decide if I wanted my information reported. That is in reference in the Gramm Leach Bliley Act ( 15 U.S. 1681a ( 2 ) ( A ) ( III ). VIOLATION OF 15 U.S. 1681 ( a ) ( 4 ). Department of EducationXXXX is not reporting accurate information. On my XXXX and Transunion credit report, there are several dates where the data is unknown ( marked by an X ) or not reported. If the data is unknown, this is not 100 % ACCURATE! That is a violation of 15 U.S. 1681e ( b ). Department of EducationXXXX XXXX is also in violation of compiling, furnishing, misleading, false and deceptive forms. That is in violation of 15 U.S. 1692J. Pursuant to 15 U.S. 1692K, Department of EducationXXXX must comply to any provisions to make my credit report compliant.
Consumer complaint received 2022-02-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

On XX/XX/XXXX I sent a dispute letter regarding inquiries that was not initiated by me and asked that items be investigated for accuracy and verification but I have yet to receive a response back as of XX/XX/XXXX XXXX
Consumer complaint received 2022-02-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (CA)

On XX/XX/XXXX, I went to XXXX  XXXX XXXX  XXXX, CA to purchase a vehicle. After submitting all necessary paperwork for financing. Gateway One Lending XXXX  XXXX ( Now XXXX ) issued the loan. On XX/XX/XXXX, I received a letter stating that they could not approve the application. I have paid {$22000.00} fraudulently
Consumer complaint received 2022-02-24
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. (NY)

i have a collection on my credit report that pop up and its not mines its fraudulent and i want it removed under the fair credit reporting act ( FCRA ) XXXX XXXX XXXX also i have XXXX inquiries that is not mines and i want it removed as well asap under the FCRA XXXX  XXXX XXXX  - XX/XX/2021 XXXX- XXXX XXXX  XX/XX/2021 XXXX - XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX  XX/XX/2021 2021
Consumer complaint received 2020-11-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (AZ)

I have made multiple attempts to settle this debt with XXXX XXXX. The amount of the debt is incorrect and without any response this debt was acquired by the collection company named Credit Management Company in the incorrect amount of {$280.00} opened XX/XX/2020.
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Grain Technology, Inc. (LA)

I was charged a {$70.00} annual fee from Grain and in my documents it says no annual fee. The company automatically took {$70.00} from my checking account for an annual fee that Im not suppose to have. I have my agreement from grain that says no annual fee. This is wrong what they did and a scam. Im so upset and I want my money back.
Consumer complaint received 2022-02-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I sent Capital One a billing error packet with a cease and desist letter for an alleged debt by certified mail # XXXX XXXX XXXX XXXX XXXX which they received XX/XX/XXXX2022. Capital One repeatedly sends emails to my personal email address and also call my personal cell phone. The dates I have received emails from Capital One are as follows : XX/XX/XXXX22, XX/XX/XXXX22, XX/XX/XXXX22, and XX/XX/XXXX22. The dates of the phone call are as follows : XX/XX/XXXX22, XXXX/22, XX/XX/XXXX22, XX/XX/XXXX/22, XX/XX/XXXX22, and XX/XX/XXXX22 x2. 
They are in violation of 15 USC 1692b ( 3 ), 15 USC 1692c ( c ) as well as others.
Consumer complaint received 2022-02-24
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

XX/XX/2021, XX/XX/2021, XX/XX//2021, XX/XX/2021, XX/XX//2021, XX/XX/2021 pulled credit report without my permission from unverified source.
Consumer complaint received 2023-04-18
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. (GA)

On XXXX, I submitted a request to block some accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
US DEPT OF EDXXXX XXXX .... Balance : {$92000.00} US DEPT OF EDXXXX XXXX .... Balance : {$82000.00} XXXX XXXX XXXX ... XXXX Balance : {$1200.00}
Consumer complaint received 2023-04-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Late last year finances were getting tight. By XXXX we were 2 payments behind ( with the third due ) but I called in XXXX to make a payment. I was told that they would not accept XXXX payment but that I needed to make 2 payments in order for them to accept it.We were waiting on some funds so I could not make the two payments. They told me that it would be ok and to just wait until the funds came in and pay it as the two payments. I expressed concern about the house starting foreclosure. I was assured it wouldnt.

Two weeks later I had the two payments. I called and was once again denied now being told that I needed 3 payments in order for them to accept. I suspended all of my bills to get the three payments ready. This took me 2 more weeks.

I call to make the payments I am then told that they can not accept ANY payments unless I can pay all XXXX because the house is now in foreclosure. I didnt receive any written notice about it going into the foreclosure process, nor was I told when I was on the phone. I was told to submit documents for their loss mitigation program in order to save the house. I do so. 

The required documents kept changing of what was required. I submitted everything that was requested. After about 2 - 3 weeks, they finally had everything. By XXXX of this year my husband received his XXXX and was granted retro pay. We had enough to make all of the payments in one lump sum. So We called and after being given the run around of why they couldnt accept the payments, we finally were able to speak to a representative and make the required payments. We paid the full amount of what was due. We were told that it was pulled out of the loss mitigation program and going forward we would be able to resume normal payments. 

XXXX comes and Im not able to pay my bill through their website, app, or automated phone, and extremely high wait times. Because of this great inconvenience, my payment was late. After a few days I am finally able to reach a representative. The payment is made, including late fees. I am told that everything is now up to date and I can resume normal payments again. 

Come this month, XXXX, I am met with the same issues as last month. I am now told that I have additional fees of {$2000.00} that also need to be made on top of my normal mortgage amount. The fees can not be detailed. The representatives are being uncooperative and saying that they can not accept payment for the mortgage until I speak with 'customer service ' that is opened XXXXsometime ' tomorrow. I asked to speak to someone else, a manager.. I am being denied. I asked to file a complaint. Im not allowed to do so .... 

We did not pick this mortgage company. Our mortgage was sold to them. 

This treatment, this practice is unfair and should be criminal. It seems they are doing everything to force people out of their homes by denying payments. 

The mortgage company is CitizensOne.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (MD)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.