davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-13
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXXXXXX XXXX XXXXXXXX {$600.00} XX/XX/2016
Consumer complaint received 2022-08-17
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)

XXXX XXXX XXXX has reported 3 accounts in my name which I have never owned. I don't have anything else fraudulent that could indicate identity theft. I have never lived in Texas or had direct family living there. 

I have disputed the information twice with Experian and they say they have verified the validity of the account, I don't see how they can if I have never opened these accounts. Do they just go by the world of the creditor? The creditor should have to prove that I really did open the account. I have never even lived in Texas!
Consumer complaint received 2022-08-17
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: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-08-30
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 XXXX Account XXXX : XXXX
Consumer complaint received 2022-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (OK)

I emailed clientcare@cardinalfinancial.com the first time on XX/XX/XXXX at XXXX XXXX explaining the situation being that my property taxes were paid at closing but they had not been paid to the county yet and I paid the first half taxes to the county myself in error because I forgot they were in escrow. I explained that the second half is due at the end of this month XX/XX/XXXX and that I need the {$760.00} which is held in escrow for the first half tax refunded to me. 

XXXX XXXX XXXX XXXX XXXX and Virginia XXXX XXXX of Servicing | Operations both emailed me and confirmed the error and submitted payment to the county for the second half tax but neglected to address my multiple requests for a refund for the amount of tax that I paid and never provided telephonic contact info that I requested or called me as requested at the telephone number I provided. thank you for looking into this matter.
Consumer complaint received 2022-03-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (MA)

On XX/XX/XXXX, I opened a Citi XXXX Account with a deposit amount of {$50000.00} based on a 60-Day promotional offer to earn {$700.00}. After 60 days passed, I contacted Citi to ask the status of the bonus deposit and was told that the bonus would be deposited within 90 days. In XXXX I was also told that I had met the requirements for the bonus on XX/XX/XXXX. Additionally, Citi told me that the bonus would be deposited by XX/XX/XXXX, at the latest - taking the full 90 days after qualifying for the initial 60 days. 

Still by XX/XX/XXXX, Citi did not deposit the bonus. I called Citi on XX/XX/XXXX and it was confirmed a second time that I had met the requirements of the bonus offer and was instructed to file a promotional dispute, which I did. I was told Citi would reply in XXXX business days. They did not. On XX/XX/XXXX, I called again and was told a letter had been mailed to my home address, saying " wait for the letter. '' On XX/XX/XXXX, I called Citi to request the entire account funds be transferred to another bank and instructed Citi to close the account. I still have not received a letter from Citi. 

Where is the {$700.00} bonus?
Consumer complaint received 2022-03-24
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. (IL)

There is a late payment with XXXX that shows late payment and I was not late I have disputed and sent in proof of payment history and sent in an email from the creditor that says it was not reported as delinquent. Experian keeps updating and saying debt was verified and how could it be when it is not correct and I have the proof.
Consumer complaint received 2022-03-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION (CT)

I applied for a refi with M & T bank. They sent closing documents which we signed committing to the new loan with the new loan rate and mortgage amount. They had the appraisal done. They called today XX/XX/22 and said they would not put the loan thru ( after we signed paperwork ) and that the garage was having work done and so it did not qualify. I would understand if they were not already on the loan, or if the garage was not being fixed, but this makes no sense. I worked with a man named XXXX who did not speak XXXX very well, and he seemed to have some issues with me being a XXXX  mother with XXXX children. I think I am being discriminated against, as this issue of the garage should not affect the appraisal or the loan being issued as like I said, they are already on this property. They also refused to send me the appraisal. They are saying they will not put through the refinance, or refund the money spent to do this refi of {$600.00}.
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Upgrade, Inc. (ID)

XX/XX/XXXX Upgrade used automatic withdraw to take out my monthly payment and interest. I waited until the next day once i saw what the remaining balance was and payed it off. Now i have a {$28.00} balance for interest. I had just gone through this with XXXX ; XXXX so i made sure the monthly payment was accepted, then selected Payoff Balance.
Consumer complaint received 2022-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX Account XXXXXXXX XXXX Account XXXX, XXXXXXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX  Account XXXX, XXXX Account XXXXXXXX XXXX XXXXXXXX Account XXXX, XXXX  XXXX Account XXXX, XXXX XXXX XXXX Docket Number XXXX has violated my rights. 

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
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (FL)

My compliant is regarding American Express and XXXX XXXX. I received an email invite on XX/XX/XXXX for a American XXXX XXXX Credit Card. I have been receiving this offer for sometime as my family flies XXXX a lot. It offered 12 months introductory period at 0 % APR on purchases and so I applied after some delays i was approved on XX/XX/XXXX. The account was opened XX/XX/XXXX. ( I still possess all the invitation email stating clearly 0 % APR for 12 months and it is attached ). I got the card in the mail and the was no interest on my statement for XXXX the first month, so i thought everything was fine, i notice late XXXX that America Express had charged me interest for XXXX and XX/XX/XXXX, so i called the customer service immediately and i was told they would look into immediately and have everything fixed. American Express and XXXX have not looked into it as i was still charged interest in XXXX of XXXX. This is wrong and I would like American Express and XXXX XXXX to Honor the terms of the Card i applied and approved for, 0 % APR on Purchases for 12 months.
Consumer complaint received 2022-03-24
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: EQUIFAX, INC. (NY)

I was a victim of identity theft these companies reported inquiries on my credit report that are not mine. Ive contacted them multiple times to have them removed and they didnt. This is a violation. This is a violation of 605b of the FCRA and it must be deleted within 4 business days because I am a victim of identity theft BY LAW. Here is my identity theft report along with the accounts that need to be removed asap. DELETE THIS NOW. 

Equifax reporting : XXXX XXXX, XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Reporting : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX & XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Upon reviewing of my records, the following account is erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 



XXXX  / XXXX / {$5400.00}
Consumer complaint received 2022-06-22
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX 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
Consumer complaint received 2022-03-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-03-24
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. (CA)

The credit reports are wrong. I have complained to the FTC and XXXX were suppose to remove the loan from my credit because it is not mine The signature looked like a child signed it because it was printed.
Consumer complaint received 2022-03-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CT)

Due to loss of income in XXXX, I took advantage of the forbearance program with my lender ( Mr. Cooper ) in XX/XX/XXXX. Once the forbearance period ended in XX/XX/XXXX, I contacted Mr. Cooper for a resolution. I have applied for the pandemic modification via phone call with Mr. Cooper CSR and online through the lender 's website. I was denied each time, upwards of 5 times with no real reason. Then on XX/XX/XXXX, I received a phone call from XXXX XXXX at Mr. Cooper, offering and confirming that I qualify for a deference. She advised that she will adjust my account within 5 days to reflect this plan and I will resume payments XX/XX/XXXX. I asked her to confirm that my account will be all set following this agreement and she put me on hold to check with her supervisor and got back to me that this will bring my account current and back to paying my monthly payments as I did pre-COVID. I kept checking online to see the changes reflected on my account and as time passed by with change, I contacted Mr. Cooper. I am now being told that I did not qualify for the deference as I am beyond the XXXX mark and now if I want to be CONSIDERED, not approved, for deference I will need to pay back payments of about {$12000.00} to be at that XXXX mark. At this point it would be a struggle to come up with all those funds at once and furthermore had Mr. Cooper provided this option back in XXXX this would be a non-issue. I am concerned that these tactics are deliberate and a way for them to justify beginning foreclosure on my house. This property a significant source of income that I can not afford to lose.
Consumer complaint received 2022-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

On Monday, XX/XX/2022, I was checking my checking account and noticed that the account was much lower than I thought. When I checked the history, I noticed 2 checks were deposited on Friday, XX/XX/2022 for the same amount each, with check numbers I have not reached in my account. When I looked at the checks deposited, it had my business information and my signature, with recipient information to someone I do not know. I addressed it with my bank immediately, as well as, I addressed it on my online banking security portal to " block '' the payments. I blocked both checks and my bank was able to receive the request in time to reverse the withdrawals and return the funds to my account by XX/XX/2022.
Consumer complaint received 2022-03-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Phoenix Recovery Group (TX)

Phoenix Recovery Group purposely reported inaccurate information on my credit report back in 2016. I have contacted them in attempts to try to get this resolved back on 2016. I've disputed this with the credit bearul and got no success and have documentation to support what I owe via court order. They reported I owe {$1500.00} originally and have ballooned it to over {$3000.00}. This could have been resolved in 2016 but they refused to collect the true and exact amount of {$920.00}
Consumer complaint received 2022-03-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

My name is XXXX XXXX and I am a consumer by the law and my information was misused and now I have some false and no XXXX XXXX accurate accounts on my credit report.
Consumer complaint received 2022-03-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Ascent Holding Co (TN)

1. I dont know dates but I took up thinkful in 2020 the company was extremely unprofessional and didnt provide the mentorship as was needed 2. I withdrew because the mentor lied to his company about my attendance when he was never present for them 3. The company handling never sent me info on how to pay online although that is my preferred method 4. I never received anything via mail 5. I have not heard from the company since last year 6. I will be paying the principal balance only I will not be paying interest since they did not give me the opportunity to pay and this will be removed from my credit immediately
Consumer complaint received 2022-03-24
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. (PA)

This company is reporting to my personal credit report when the loan was sold to me as a company vehicle loan being reported to the companys report not showing up on my XXXX credit report.
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (AL)

I received an email from Citi Bank on XX/XX/2022 that my account will be closed, after further investigation a customer service representative by the name of XXXX on a recorded line stated that my account is being closed due to being in collections. However she spoke with a colleague and the colleague stated that they did not see a history or current information that my account has ever been in collections and this account has always been in good standing. It has always reflected from the Credit Bureaus as paid on time and there is currently no accounts that I have that are in collections. If this account closes this will affect my credit adversely and lower my credit score and I have never been delinquent. I just spoke to another representative XXXX on today and she asked for the expiration on my card and that they will apply for it to be opened when it expires. However, I am a concerned citizen if I have never missed a payment and I am responsible with my credit on this card why is it being closed like this and will thus affect my credit score that I value. This has the potential to cause a difficulty in my life if I have to apply for other credit due to this closing and it affects my credit and lowers my score. I would like a valid reason as to why this is being done. If you check my credit none of my credit cards are delinquent or in collections in anyway.
Consumer complaint received 2022-03-24
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: Continental Finance Company, LLC (CA)

This was with my XXXX XXXX Account ending in XXXX XXXX XXXX. I had fradulant charges in this amount of {$440.00} on the statement ending XX/XX/XXXX and {$130.00} on the statement ending on XX/XX/XXXX. 

I was issued a credit of {$230.00} on XX/XX/XXXX and {$210.00} on the XX/XX/XXXX statement. 

This leaves a balance of {$120.00} of fradlant charges on my account. I have written them twice about this matter and they reply " we consider your claim resolved and we are closing out file '' I have written them many times regarding this matter.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-24
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: RS Clark and Associates, Inc. (TX)

The account in quesiton is bogus/fraudulent. I tried disputing thru XXXX XXXX and XXXX XXXX to receive a response of " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated ''. I then disputed with a certified letter in XXXX of 2021. Only to receive the same response. I was in XXXX when this account was opened fraudulently. I've requested the company send me proof I opened the account by providing my signature on original loan or contract documents. Which goes unanswered. This is my last step in having this REMOVED from my credit report via the Fair Credit Reporting Act. If you do not comply with my final request then I will be forced to file a law suit against the Firm. I'm clearly persistent and only want done what is right. Please comply and advise so we do not have to go to such drastic measures. Afterall, its not that much money. I just need it gone so my wife and I can purchase a home, hopefully before our little girl XXXX 

Thank you in advance, XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-03-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (SC)

XXXX XXXX {$1000.00} Collection account from Wakefield & Associates was on my credit profile resulting in a identity theft action that was not made by me. I tried working to sort out the debt and have it removed or verified with my signature to prove that I am the rightful owner of the account they claim I owe.