davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-06
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. (NJ)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2020-12-04
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. (GA)

Experian ( CRA ) is continuing to report these inaccurate addresses and names on my credit report after I have disputed these addresses and names numerous times. I have sent them a copy of my driving license and bank statement with my current address and full name as it appears on my driving licenses. I just recently disputed this same information numerous times on XX/XX/2020 and XXXX of this year and they continue to report the inaccurate information and it's a false representation of me.They are setting me up for possible identity theft. I have also disputed this information with the grantor of the information and they have corrected it, but Experian is still reported the inaccurate information on my credit report.
Consumer complaint received 2020-12-05
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- - NAMES ARE NOT MINE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX < -- - ADDRESSES ARE NOT MINE -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - ( XXXX ) XXXX ( XXXX ) XXXX < -- - PHONE NUMBERS ARE NOT MINE
Consumer complaint received 2020-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (FL)

I have disputed debt withXXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX PENN CREDIT CORPORATION Original creditor : XXXX XXXX XXXX XXXX  for {$820.00} on two previous occassin XX/XX/XXXX and XX/XX/XXXX. Both attempted they have informed me that they were able to verify that the debt was acutally mind. I was a victim of idenity theft. I have asked them on two occassins to send documentation proving the debt on my credit report is mine. I still have no recieved any documentation as of today.
Consumer complaint received 2020-11-30
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am a victim of identity theft I was involved in several data breaches XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and also XXXX XXXXr attached is a copy of my identity theft report with all listed fraudulent accounts Experian Fraudulent accounts XXXX XXXX  {$1200.00} Account Number XXXX
Consumer complaint received 2020-12-06
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. (HI)

I have been trying to work with XXXX  XXXX  and Experian on resolving inaccuracies on my credit report I will attach one of the letters showing the discrepancies on all 3 that need removed. My last attempt at contacting the took more then the time allotted for them to reply/no response at all to the investigation all items were sent by certified mail and they did not remove the items. As I have stated I have been disputing since the first of the year these inaccuracies and they refuse to fix the issue or ignore me entirely. All 3 bureaus are reporting inaccurate information..re aged accounts etc.
Consumer complaint received 2020-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CO)

I refinanced my mortgage with XXXX XXXX XXXX in XX/XX/2020. My loan was transferred to Dovenmuel and then XXXX within a couple months. In this transition, a payment i made through my bank ( XXXX ) of {$1700.00} went missing. I was told I was behind on my payments and would have to make another payment less it affect my credit. After spending many hours on the phone with the 3 banks who all denied having kept the payment, I asked my bank XXXX to help track it down. They gave me a temp refund XX/XX/XXXX. XXXX XXXX XXXX  took back this payment from my account. I'm not sure how to move forward. My XXXX  is slow with Covid and I fear foreclosing on my home. I have $ XXXX equity in this house and it is all my life savings. I am a single mom and have no money to hire a lawyer to go after this scam. Please help me!!
Consumer complaint received 2020-12-05
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. (VA)

On XX/XX/XXXX, I used my Citi Double Cash card to purchase some HVAC work in my home. The charge was {$860.00}. This was a valid charge ; however, as time moved on, and I went to pay my account for the month, I did not recognize this charge. When I XXXX  the phone number on the charge and the company name that showed up, I could not find anything, so I thought that this charge was false and needed to be disputed. When I disputed the charge, Citi credited me the item on the account while they investigated. Two days after this, the company that completed the HVAC work called me to ask why the charge was being reversed. This was when I realized the charge was legitimate, and I had made a mistake. I told him to give me a week or so, and I would attempt to contact Citi to get the charge placed back through. After literally hours of attempting to get the right person on the phone at Citi, I finally got someone who told me that would be taken care of and the charge would go through. However, several days later, working with the HVAC company, they told me they still never got the {$860.00} from Citi and that I needed to pay again. Therefore, I used another credit card ( XXXX attached below ) to complete the transaction. This would all have been fine until I saw that Citi charged me {$860.00} two times on my statement on XX/XX/30 and only one credit ( see Citi Double Cash below ). I called Citi Friday, XX/XX/XXXX, in an attempt to rectify the situation. I was transferred between 3 representatives and on hold half that time, and once I got to the third, I was hung up on. At the very least, I should be allowed to dispute the {$860.00} charge that was not refunded. But, the Citi app and online access will not allow me to, it directs me to call Citi which I did. I can't afford to spend more time with Citi attempting to resolve this so I expect this to be rectified by Citi through the CFPB to avoid a small claims/legal route. 

This is the second time I'm submitting this complaint, this is a blatant violation of the card act. They are not allowing me to dispute a charge, how is this legal?
Consumer complaint received 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

On XX/XX/2020 I sent 2 dispute letters each to Experian, XXXX, & XXXX. The first was disputing an inaccurate bankruptcy, and other was disputing a list of inaccurate accounts being reported by the bureaus. 
I never received a reply from any of the bureaus within 30 days, so I sent another round of letters on XX/XX/2020 demanding that action be taken to remove the inaccurate accounts. 
Experian is the only credit bureau that has replied to be, but the letter was dated on XX/XX/2020, 48 days after my first letter was sent. And they haven't removed the inaccurate accounts from my credit profile. 
I have included all of the letters I've sent to the bureaus
Consumer complaint received 2024-10-19
Product: Credit reporting 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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-29
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. (NV)

My information was breached with Equifax and I have had someone using my info to open accounts in my name ever since. I had my credit pulled because for awhile I didn't know and didn't know what to do to report it and was lost. This has totally ruined my life. Once I pulled my report and seen all the stuff that was incorrect I filed a police report and an identity theft report. I also disputed them with all 3 major bureaus and sent them everything they asked of me. Some of it was removed from one XXXX  but Equifax and XXXX  have done nothing.
Consumer complaint received 2020-12-04
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

Hello, my name is XXXX XXXX, my card was recently stolen and charged fraudulently 9 times. I Called Capital one Sunday XX/XX/2020 on the number from online customer services, since the card is not in my possession. I spoke with representative XXXX, who confirmed my personal information for security purposes and investigated my account history. I informed the rep that I was referring to all charges with purchase date of XXXX - XXXX ( days in which I was in the hospital on a 72 hr hold. ) I was placed on a hold and when rep was back, I was informed that she was disputing a total of 11 charges with {$920.00} of charges due back to my account. 
**I have all my hospital paperwork to support that I was not able to purchase or make any of these transactions. ( Which none was even requested ) I do NOT have and authorized users on my quicksilver credit card, I DID NOT lend or give my card to anyone. 
Once I was able to get in front of my desktop, I reviewed my account and only found 9 charges should be disputed with a total of {$910.00} total. So that alarmed me to think that there must be a filing error with the dispute. Leaving space for denial. I in no way wish to dispute any charges that I am truly responsible for, but I will not stand by and pay for something that has been stolen from me. 

On the XXXX of XXXX early morning ( less than 48 hr from starting dispute ) I received an email stating that the charges were not fraud and I was responsible for charges. I called once more on XXXX XXXX, 2020 spoke with XXXX who was quick to believe due to the quick turn over of decision must have been due to a filing error in dispute. Who then I was transferred to XXXX ID XXXX who told me was the - Account manager in Fraud disputes? XXXX unfortunately was the XXXX to tell me that the charges were not going to be refunded and were my bill. So, upon hearing this information I requested a higher management. Being told he was the person and that nothing could be done about my account balance, I then requested for an email to XXXX. 

My fight here is the injustice for the customer, being ME. I was hospitalized with supporting documents to prove my side. To only come out and find out someone stole my card and used XXXX $ of it. I questioned XXXX what the steps were taken for making the decision of deeming me responsible. Which he had no answers for, the stores that my card was used at should have video surveillance to further support that the shopper was in fact NOT myself.
Consumer complaint received 2020-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Avant Credit Corporation (PA)

Avant card has violated the federal Equal Credit Opportunity Act by discriminating against me and not opening up in a credit card and providing an adverse notice stating why furthermore I have not been able to dispute the decision by the credit card company not being able to dispute the decision by the credit card company is financial discrimination
Consumer complaint received 2020-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (WI)

Hi, I finally ( I think - no confirmation yet ) had the company - Barclays credit card US close my account. I took over 45 minutes on the phone and persistence. The service rep said the " computers were not working '' and to call back later. It took several request from me to connect me to a supervisor who eventually canceled my credit card. I suspect this was a scam to make it hard to cancel a card and want to alert someone of this. I will send an update if I actually don't get it canceled.
Consumer complaint received 2020-12-04
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: Experian Information Solutions Inc. (NV)

Please be advised my credit report contains information that does not pertain to me. I had sent a formal written request to all 3 major credit bureaus on or about XX/XX/2020. I was seeking the deletion or modification of erroneous and inaccurate information contained in my credit file and reported by the credit bureaus as per the Fair Credit Reporting Act 15 U.S.C. 1681 et seq. I had requested a response in a timely manner, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), and no later than 15 days thereafter, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( c ). Unfortunately it has been months and I have not received a formal written response back from Experian, XXXX  or XXXX  about my disputes. However, I know that all three bureaus received my request because I tracked my letters using certified mail.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (CA)

On XX/XX/XXXX I attempted to open a line of credit, and I was rejected because SageStream, a credit reporting agency with which I've never done any business and never asked to apply a freeze to my account, reported a fraud alert on my credit with them. 

On XX/XX/XXXX, when I was alerted to the reason behind the denial, I attempted to request a replacement PIN through the SageStream web site so I could remove the freeze myself. They were supposed to send a replacement PIN in the mail, but one never arrived. 

On XX/XX/XXXX, I called SageStream on the phone to request a replacement PIN and was again assured it would be mailed to me. 

On XX/XX/XXXX XXXX today ) I received a postal letter indicating that my request to freeze my credit was a duplicate of my request to freeze my credit received on XX/XX/XXXX. On no occasion did I ask for my credit to be frozen : in all cases I've merely been asking for a replacement PIN so I can control the freeze that was placed on my file without my consent. 

SageStream has also XXXX the ability to call and speak to someone directly by phone ; they direct all requests to their inept web site which is singularly unable to process my request for a replacement PIN. I am unable to proceed any further, and SageStream 's unwillingness to help continues to block my ability to request credit.
Consumer complaint received 2020-11-29
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. (NV)

My information was breached with XXXX  and I have had someone using my info to open accounts in my name ever since. I had my credit pulled because for awhile I didn't know and didn't know what to do to report it and was lost. This has totally ruined my life. Once I pulled my report and seen all the stuff that was incorrect I filed a police report and an identity theft report. I also disputed them with all 3 major bureaus and sent them everything they asked of me. Some of it was removed from one Experian but XXXX and XXXX  have done nothing.
Consumer complaint received 2020-11-28
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. (TX)

This company refuses to complete an investogation to my concerns, I provided documentation that one item had been paid to the company before, it went to the collection agency, the next one I proved more documentation about the medical bill but Equifax refuses to address my concerns. 
PAYMENT HISTORY Note : Insurance paid {$510.00}. 
Date Amt Account Paid To Reference ID Status Processed Date Method Notes XX/XX/2020 {$120.00} XXXX XXXX XXXX XXXX Released, Cleared XX/XX/2020 XXXX You have 100 % left to pay on this collection. 

Balance {$110.00} Highest Balance {$110.00} Opened Note Paid by XXXX PAYMENT HISTORY Note : Insurance paid {$450.00}. 
Date Amt Account Paid To Reference ID Status Processed Date Method Notes XX/XX/2020 {$110.00} XXXX XXXX XXXX XXXX XXXX Released, Cleared XX/XX/2020 XXXX The company refues to up date or dispute our accounts
Consumer complaint received 2024-09-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (PA)

My recent credit report is showing multiple collections that I never received written notificationcommunication about so I had no time to dispute them on my behalf. I am also requesting debt validation persuant to 15 U.S. Code 1692 G, in this debt validation I am requesting a detailed list of my history of payments made by me on this account, I am requesting the ORIGINAL PURCHASE AGREEMENT, contrat with my signature with me agreeing to pay this creditor, has there been an insurance claim filed on this account, I also want to see that you have chain of title to collect on these debts. Midland credit management- account number XXXX, date XXXX. Without providing this information according to FCRA these accounts need to be removed immediately.
Consumer complaint received 2020-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (VA)

Dear FDIC, I am once again writing this complaint in dire need of my original complaint to be resolved ID : XXXX. I expressed to Citibank that my family and I are in desperate need of the {$50000.00} I deposited in my interest checking account in XXXX. My mother and I both opened new accounts in XXXX in order to obtain a {$700.00} promotion Citibank was offering. Citibank had closed my account without notification/notice in XXXX, and have since prevaricated giving me the total sum that I deposited for the past 3 months that I have been speaking with them. I am constantly transferred to a different line, hung up on, and told that a check will send that ultimately, they couldn't even give us a tracking number for or proof of it being sent. The most recent conversation I had with a representative at my local citibank, suggested that instead of mailing me a check, they would add me to my mother 's recently opened account so that the {$50000.00} could be transferred to our joint account. After promising us that this transaction would be cleared on Thursday ( XX/XX/2020 ), the money has still not been transferred. The representative from my local bank spoke with a corporate representative, who stated today ( XX/XX/2020 ) that the back office needed to clear the money to be transferred, but this is the exact same back office that has not sent us the money in the past, and are now saying that the money is in a ledger. 

I do not understand why Citibank is holding onto my {$50000.00}. This issue has gone on for far too long and my family needs the money to survive in these dark times. Their negligence to our needs is irresponsible, effortless, and morally reprehensible. We need the FDIC now more than ever to bring this situation to light. 

I hope to hear from you soon.