davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello and thank you for your help. I'm exhausted. I ordered my credit report for the first time in years in XX/XX/2017 and discovered 8 accounts that were in question and unauthorized inquiries. I sent notarized and certified verification letters to the three major credit bureau Trans Union, XXXX, XXXX and also directly with those creditors. I've had success and down to 3 account still ignoring me and reporting negatively with no verification. XXXX XXXX, XXXX XXXX, and XXXX/XXXX. It has been 6 months now and they and the thee Bureaus have given no explanation or physical documentation just stating " verified '' on my credit reports and not removing the unauthorized inquiries. I've sent out 4 rounds of disputer letter over 6 months. Please Help Me.
Consumer complaint received 2018-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2018, I went on TransUnion 's website to get a free copy of my credit report. They requested my debit card information, which I thought was required for me to receive this report -- I thought perhaps this was how they could check some of my accounts. I was shocked to discover that for the past two months they have billed me {$21.00} for each month, a total of {$42.00} that I had no idea they would be taking for me by getting a free credit report. I never saw any information about the services they provided being anything but free. I really want this money back, the only service I had wanted was a free credit report, I have not used anything else besides this.
Consumer complaint received 2018-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (SC)

I am having problems with NATIONAL CREDIT ADJUSTERS , LLC. I had an account that had been late which I understand was my fault. Well it seems that National Credit Adjusters sold this account to XXXX XXXX. XXXX XXXX contacted me and I paid the account in full XX/XX/XXXX. Since then I have file a dispute with XXXX  credit bureau and letters have been written. They keep coming back and saying the file is correct, even with the documentation being attached. They sold this account to summit but they keep reporting it as unpaid. I was told by XXXX  to contact you because they see the payments are made but they can not change anything on my report. Since I brought a house and a car last month ( XX/XX/XXXX-house, XX/XX/XXXX-car ) my interest rates are higher due to National credit adjusters refusal to remove information that is wrong and really doesn't have anything to do with them. As i stated this has been going on since XX/XX/XXXX. XXXX  is sending in another dispute, but the lady told me they most likely will just state its valid and there is nothing I can do. As you will see in the attached documents one dated XX/XX/XXXX, the other dated XX/XX/XXXX that everything is paid completely.
Consumer complaint received 2018-05-28
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. (FL)

There are banks reporting that i owe money and i have never had an account with them such as XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. Also there are other banks th as t keep running my credit constantly and bringing my score down i do know aww hat else to do. Its the same facilities when i check it. I even put a flag so it can not be run without authorizations but that does not seem to matter
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (FL)

I followed an advertisement that Citi had for receiving XXXX to XXXX XXXX XXXX miles. I followed ever thing listed as a requirement. I have included the " Welcome letter '' showing what I had left to complete the requirements. I completed those requirements. Both parties agree that I fulfilled the steps required to receive the miles. The disagreement comes about the initial requirements. They say I did not complete the initial requirements necessary. They stated that I deposited the fund int o the wrong type of account to begin with. I told them that I did and that they even sent an Email welcoming me. 

If I received a welcoming letter... Then what did I do wrong?? They had no answer and that is the last I heard from them.
Consumer complaint received 2023-04-03
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)

Per previous submitted response from complaint XXXX Equifax has completed its investigation, including contacting the furnisher of the information, where applicable.However according to Investigative Consumer Reports . Section 606 contains specific requirements for use of an investigative consumer report. This type of consumer report contains information about a consumers character, general reputation, personal characteristics, or mode of living obtained in whole or in part through personal interviews with neighbors, friends, or associates of the consumer. If a user, such as a financial institution, procures an investigative consumer report, or causes the preparation of one, the user institution must meet the following requirements : 4. The user clearly and accurately discloses to the consumer that it may obtain an investigative consumer report. 
5. The disclosure contains a statement of the consumers right to request other information about the report and a summary of the consumers rights under the FCRA. 
6. The disclosure is in writing and is mailed or otherwise delivered to the consumer not later than three business days after the date on which the report was first requested. 
7. The user procuring the report certifies to the consumer reporting agency that it has complied with the disclosure requirements and will comply in the event that the consumer requests additional disclosures about the report. Equifax has neglected to perform any of the required investigating Requirements to properly perform a CONSUMER INVESTIGATION. As previoulsy stated in last complaint, accounts listed are innaccurate and have been reported on my credit report without my consent. COMPLETELY violating my privacy rights 15 U.S.C. 1681 Section 604 section 1 states that have a right to privacy and 5 U.S.C. 1681 Section 604 section 2 states written consent must be provided to do so.account number XXXX Date : XXXX, XXXX Amount : {$22000.00}, Account number XXXX Date : XXXX XXXX Amount : {$3000.00}, Account number XXXX Date : XX/XX/XXXX Amount : {$2400.00}, Account number : XXXX Date : XXXX Amount {$2100.00}. The listed accounts are affecting my character and illegally reporting derogatory inaccurate information. Per the FCA entities are subject to {$1000.00} per violation in fines for knowingly and recklessly reporting information. In addition to neglecting to perform an accurate FULL INVESTIGATION CONSUMER REPORT. I demand that these accounts be deleted immediately.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (NC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2023-04-03
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. (WA)

My husband, XXXX XXXX, and myself have tried several times to correct an issue over the phone and through their Dispute process for XXXX XXXX XXXX. XXXX XXXX XXXX placed the loan in Forbearance for my daughter after loosing a job from COVID. XXXX made a mistake of reporting the payment late when the loan for in Forbearence. They sent in a correction and XXXX and XXXX corrected it after much pressure. Transunion refuses and keeps making me supply more evidence that XXXX XXXX XXXX made a mistake. XXXX XXXX XXXX claims they have submitted several creations for all four names on the loan and there is nothing more they can do. So I turn to you to help me get Transunion to fix the issue.
Consumer complaint received 2022-11-14
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: EQUIFAX, INC. (SC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX {$66.00} ; XXXX XXXX XXXX  : {$73.00}.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-04-26
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit act reporting act XXXX Account # CAPITAL ONE XXXX, has violated my rights.

15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 166B : A creditor may not treat a payment on
a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-04-26
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: EQUIFAX, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXXXXXX XXXX XXXXXXXX Balance : {$21000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} & XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$86.00}.
Consumer complaint received 2023-04-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: M&T BANK CORPORATION (FL)

Closed account with XXXX XX/XX/XXXX which I did not know there was a line of credit balance until I received a letter XX/XX/XXXX stating my line of credit payment was past due. 
Received a statement XX/XX/XXXX with a balance of {$530.00} which I did get a {$25.00} late fee waived. After speaking with a representative from XXXX and they told me my balanced to pay in full would be {$530.00}. I sent a check for {$530.00} XX/XX/XXXX which was posted on XXXX 

I thought the Line of Credit was closed out as I didnt receive any statement for XXXX. XXXX I received a statement stating my new balance was {$86.00} which is Late Fees and Interest and states my previous balance was {$590.00}. Then XXXX I receive another statement stating my new balance was {$87.00}. 

I feel XXXX is taking advantage of the loan and charging interest and late fees and when the line of credit was paid off. 

This is unfair to my husband and I as we are seniors on a limited income and the banking industry is robbing their clients.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-26
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. (TX)

Experian is in violation of the FCRA, pursuant to 15 USC 1681a ( 2 ) ( I ) ; the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. Experian is in violation of this federal law by publicly reporting late payments and charge offs transactional activity between myself, the consumer, and the current or previous opposing transacting party. These transactions are listed as Exclusions under the FCRA and lawfully should not be included on my consumer report.
Consumer complaint received 2023-04-26
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. (TX)

TransUnion is in violation of the FCRA, pursuant to 15 USC 1681a ( 2 ) ( I ) ; the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. TransUnion is in violation of this federal law by publicly reporting late payments and charge offs transactional activity between myself, the consumer, and the current or previous opposing transacting party. These transactions are listed as Exclusions under the FCRA and lawfully should not be included on my consumer report.
Consumer complaint received 2023-04-26
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. (TX)

I recently requested an investigation to verify the accuracy of a two account on XX/XX/XXXX. XXXX investigated the account and found XXXX XXXX it to be inaccurate, unverifiable, or incomplete. The result was the removal of that account. XXXX XXXX has not provided any debt validation as required under the fcra. Under the FCRA, all information found to be on verifiable or incomplete, must be share with all three major credit bureaus, because they are supposed to be the same on each report. I have continuously sent a copy of the deleted item from XXXX to Experian, but they refused to remove the account, even though under the FCRA, they are supposed to. Please see The following account below. 

XXXX XXXX # XXXX DELETED BY XXXX XXXX XXXX # XXXX Debt validation never provided
Consumer complaint received 2023-04-26
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 is response to complaint XXXX. Equifax has been sending this same stall response for the last 2 months. I do not believe an investigation was done. Why have you sent me a statement that the creditors have verified my accounts? You've failed to send me any documentation that verifies this and I've also called and was told that there was never an investigation. Per the Fair Credit Reporting Act, a consumer may request a description of the procedure used to determine the accuracy and completeness of disputed information. It also states that the credit bureau shall provide a description of such investigations within 15 days of the consumers request. It has been well over 15 days which means that you are in violation of the FCRA. To avoid further action, please forward to me a description of the procedure taken in order to determine the accuracy of these accounts, including but limited to, the name of the creditor, along with their address and phone number. Also, I want to know who you spoke with and on what date. Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account XXXX XXXX XXXX is incorrect and the late payment in XX/XX/2022 should be deleted because I was never late.
Consumer complaint received 2023-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (NY)

I keep getting calls from Comenity bank, but I do not have any outstanding debts with comenity bank, or any missed payments. They call from multiple numbers including No Caller ID numbers, maybe 20-30 times a day.
Consumer complaint received 2018-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (NV)

I had a charge off account with Synchrony Bank I paid it in full and they agreed to removed that negative information from my credit report and they did but now I received a copy of my credit report and that charge off account is back. I called Synchrony Bank but they refuse to help me, please remove this negative information from my credit report.
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX has not contact number to dispute what they are reporting. TransUnion just removed 3 bankruptcies. which is about 50 points each, removed two inquiries which is about 10 points each and my score before the above was XXXX. Now that information such as bankruptcy plays a major role in my score has been removed, how is it that my score decrease 89 points.
Consumer complaint received 2021-02-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (VA)

We ask for Mortgage Forgearance11 months ago with Wellsfargo. 
They gave me the run around over and over until I finally got my Congressperson involved, then they granted 180 days, and I believe have extended it another 180 days as its a FHA loan. 
I have been out of work since XX/XX/XXXX no fault of my own due to the Pandemic, and do not get unemployment or any other assistance. 
I did sign up for social security as I am now XXXX, and had not other way to try and pay my bills. 
The money I get from SS does not even come close to what it takes to live on.

Now looking at my statements from Wellsfargo, it apears that they are tacking the full monthly payment on for each of the last 11 months onto my loan, and did not at any time decrease the total loan amount. 

I owed XXXX on my loan in XX/XX/XXXX, payments of XXXX per month. 
Now I owe XXXX A additional amt of XXXX, Wellsfargo only has to pay the loan investor, thats a small portion of the XXXX payment due each month. 
Wellsfargo recieved billions in PPP and Grants due to the pandemic. 
We impacted home owners are just being screwed ny the banks once again. 
XXXX, XXXX, My XXXX when are you going to stop XXXX the home owner? 

This program does nothing for the home owner, except to drive us into foreclosure and loose all of any equity we still have left after the XXXX scandal that the banks caused, due to there greed. 

If I was a renter, I would have not been evicted, and owed nothing. 
Why are home owners getting the shaft?????? 

This is discrimination, and another bank con game.
Consumer complaint received 2018-05-25
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: VEROS CREDIT, LLC. (CA)

they repossessed a car three years ago. I will not pay on it as there were issues with the car and their handling of the repossession. Now they are threatening me legally hinting at going to jail if I do not pay something, I will not be blackmailed
Consumer complaint received 2018-05-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: TRANSWORLD SYSTEMS INC (IN)

XXXX XXXX XXXX sure me for a loan made to XXXX XXXX in XX/XX/XXXX. Never paid because of hardship. They sued me ins XX/XX/XXXX and never received paperwork about the validity of debt. I owe XXXX to fed gov aatudent loans and XXXX for the private. I cant afford it at all. I also have a XXXX XXXX and pre XXXX and not sure how much longer i can afford anything
Consumer complaint received 2018-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am an international student with valid status and XXXX form my school. For unknown reasons ( probably being a citizen of those sanctioned countries ), Bank of America closed my credit line and blocked my checking and savings account. Bank of america already had my XXXX, passport, visa and drivers license documents on their file. Closure of my credit line has affected my credit score adversely.