davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-24
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 XXXX
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (NC)

Flagstar will not remove PMI when my current LTV is at 72 % without getting a {$750.00} appraisal done by them, on a home that was bought below current market value. they stated its a XXXX XXXX requirement. XXXX XXXX said its flagstar and the loan orginators reqsponsiblity. Either way a simple lookup at comps in the area will show its worth more. they do not disclose the appraisal requirement and per the attached letter it says the PMI is removed automatically at 78 %- it is not.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I received my state of Michigan tax refund on XX/XX/XXXX for the amount of {$1600.00}. I went to my bank Huntington to deposit it on XX/XX/XXXX. Well I just discovered that they are holding it 5 days before the funds are available. I have outstanding checks out there and this bank is playing games. This is unacceptable and unethical. Their reason is they want to make sure it clears. So they are telling me a check from the state of Michigan is bad? I am also filing a complaint with my states attorney general as well.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. Please see attached file for these items I am complaining.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2018-08-18
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: JPMORGAN CHASE & CO. (FL)

XXXX has inquires on following dates that I dont recognize and didnt authorize. These are on my XXXX, XXXX  and XXXX credit report. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Chase credit has inquired on the following dates that I dont recognize and didnt authorize. These are on my XXXX, XXXX and XXXX credit report. 
XX/XX/XXXX XX/XX/XXXX XXXX has inquiry on the following date that I dont recognize and didnt authorize. These are on my XXXX, XXXX and XXXX credit report. 
XX/XX/XXXX
Consumer complaint received 2018-08-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

Insurance has paid 2 XXXX XXXX XXXX XXXX and they refuse to XXXX refuses to remove them. they keep calling XXXX not the Drs. XXXX and XXXX have it paid XXXX wont fix it
Consumer complaint received 2024-01-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC. (TX)

Santander sold my debt to another company. This was then paid off to XXXX XXXX who purchased the account. Santander continues to report and update as verified debt on my credit report. I do not owe them anything at all. I would like to have them removed. They can not even find me in their system. I paid my debt and they refuse to help or provide any information because they can not even verify me with my social or anything because the account has been closed and paid. They were notified by XXXX XXXX with a letter which I received as well that the account has been paid.
Consumer complaint received 2018-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACS Education Services (GA)

Conduent, formerly ACS, continues to misreport late payments on my credit reports for a paid and closed account. These late payments purportedly occurred in XXXX. However, this account was in an approved forbearance status and should not reflect late payments. As a result, I am requesting original signed documentation of all forbearance records from Conduent for the duration of time that they serviced this account ( XX/XX/XXXX- XX/XX/XXXX ).
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo allowed us to withdrawal an amount of almost {$300.00} when we do NOT have the overdraft protection service. A transfer that we made from savings account probably didn't go throught We contacted them but their representatives told us that they made a decision to make the money available to us, which doesn't make sense. We wouldn't like to use the cash if the money was not actually there, and now we have a debt that we didn't ask for.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm following up on my previous complaint with reference number XXXX. Although the credit bureau responded by deleting some inquiries from my credit file, none of the items I specifically complained about were addressed. The companies I listed, which legally accessed my credit under the provisions of 15 USC 1661B, include : XXXX XXXX XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX XXXXXXXX on XX/XX/XXXX and XXXX, XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX I provided this list to TransUnion as instances of unauthorized credit inquiries not authorized by me. However, TransUnion technically sidestepped my initial request. I kindly request that my complaint be forwarded, and that the appropriate investigation be conducted.
Consumer complaint received 2023-02-21
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. (WI)

I took out a consumer loan with XXXX Bank. I was set up on auto pay using my credit card. At some point there was fraud on my credit card and a new card number was issued. However, I forgot that the old number was being used on my auto pay for the XXXX loan. When XXXX attempted to process the the monthly payment using the old number it of course failed. Instead of alerting me to this issue as every other credit granting company, such as either by phone, letter in the mail, email, text, or even an alert on the customer portal saying I was past due, XXXX did none of those things and just sat on their hands and after 30 days reported me to the credit bureaus as 30 days late. 
I have tried filing a complaint with the credit bureaus and XXXX with no success. 

I would have updated my payment method and brought my account current if I had just known about the issue sooner. 

XXXX failed in its legally responsibilities.
Consumer complaint received 2024-04-11
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 have recently obtained a copy of my consumer credit report from your bureau and I am disputing the completeness and accuracy of the following information. This information is adversely affecting my consumer report, and I request that you promptly correct it. 

XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX USAXXXX, XXXX XXXX XXXX and XXXX XXXX  XXXX. 

I trust that XXXX days is a reasonable timeframe for your investigation. Following your investigation, please furnish me with an updated credit report along with the names, addresses, and telephone numbers of the individuals who have been contacted.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2023-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: ADP Inc. (AL)

Received a VISA card via USPS from Wisely, which I never applied for, and the mailing stated it was a REPLACEMENT CARD. ( I have never had this card. ) When I called to inquire why I was receiving, I was asked for my name and DOB. As my name was listed on the mailing, I gave it to them ( I spoke with 2 different people on 2 attempts to call ), but I advised that I was not providing my DOB as I had not determined them to be legitimate and only wanted to know why I was receiving the card. I offered the card number, but was advised that they could give me absolutely NO information unless I provided my DOB. I insisted that I was not interested in anything other than to know why I had received the card, but they still refused to tell me anything unless I provided them my DOB.
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/2023, I deposited a government check ( IRS tax refund ) for the amount of {$59000.00}. I was advised by the teller that it could take 7-10 days to clear the check. 

Knowing I have bills coming out automatically, I deposited {$800.00} in cash to cover my bills. The next day I could not access my account. Truait blocked my entire account. I was told to wait until everything clears. 

After several attempts to try to have truist release my funds, I was told that they can't do anything until and just have to wait. 

How long can the bank put my account on hold?
Consumer complaint received 2024-04-12
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. (HI)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

This is the refilling of my complaint to EQUIFAX. I accept that my data is being abused and detailed as wrong. In my credit report I discovered some slanderous things that I didn't know about. I found late payments which never occurred and accounts with mistaken data, like payment history, status, balances, and date of last activity. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my written instructions. I have attached the FTC report to support my complaint with the FTC report number XXXX
Consumer complaint received 2018-08-18
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. (FL)

Experian Credit Bureau incorrectly lists my name on my Experian credit report as : XXXX XXXX. I do not spell my name that way and have never legally gone by that name. They need to delete this name from my credit report. The last name is correct, but the first name is spelled incorrectly. It should only be listed as XXXX, not XXXX.
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NC)

I paid out the account on XX/XX/24. 
XXXX gave a refund of {$31.00} on a few days later. 
I can not get my credit refunded of {$31.00}. 
Nor can I get a gift card for the XXXX, XXXX points that I had earned. 
Representatives kept hanging up the phone. 
Very nasty staff.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've consistently made sure payments on this account are prompt, avoiding any instances of lateness. I find myself uncertain regarding the basis for late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AZ)

I already submitted a complaint in which LVNV FUNDING LLC said they would remove the debt from my credit report in which they did for a week and then put it right back in the amount of {$1100.00}. Please remove this from my credit report. Thank you
Consumer complaint received 2018-08-18
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: Experian Information Solutions Inc. (FL)

Experian credit bureau has 3 " soft '' credit inquiries listed on my Experian credit report, which are outdated and need to be deleted. One is from XXXX XXXX and is dated XX/XX/2016 The other two are from XXXX XXXX and are dated XX/XX/2016. Under the provisions of the Fair Credit Reporting Act, passed by Congress, any credit inquiries over 2 years old must be deleted from a consumer 's credit report immediately.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included in the screenshots inside this complaint in on dates of [ XX/XX/24 ]. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided I demand these payments be updated to ''Paid as agreed on time '' as they should be due to the fact I was NEVER late. Thanks! 

Please see screenshots attached :
Consumer complaint received 2018-08-18
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. (GA)

Equifax has been non-compliant with removing the unverified account Bankruptcy XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that Bankruptcy was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.