davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NY)

Name : XXXX XXXX XXXX Account Number : XXXX Phone : XXXX XXXX XXXX Email : XXXX This is the second complaint I have had to make to CFPB about Citibank in the last number of months. It is ridiculous how incompetent your support function and your agents are that I need to do this to get simple things fixed. 

I am unable to make simple transfers from my checking to either my savings or any other external account. I get an error saying " Looks like something went wrong. Try resetting your account selection. '' ( see screenshot ) What is preventing me from moving my OWN MONEY to my own accounts? When I call the contact center, this is what happens : 1. I wait forever to get connected to a human 2. I complete all authentications ( multiple times.. via SMS, password, address etc. ) 3. You send me down a rabbit hole of re-explaining the issue over and over because I keep getting transferred and handed off to the next incompetent person 4. Get put on hold multiple times for 5+ mins - every call is an hour 5. AND WORST OF ALL, the last agent comes of hold and tells me " he can't continue the call and that someone will contact me '' and hangs up the phone I had a long running issue when there was fraud on my account from a criminal. That took Citibank 9 months to fix and return the funds to me. Perhaps this is why you put some sort of restrictions on my account? This is so bad if that is the case because that issue is resolved. Let me use my account or I will be taking my funds out and never returning to Citibank.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have XXXX inquiries on my transunion profile which i shouldnt have any inquiries I have not applied for any credit in the last 3 years and I should have a freeze in place As per 15 usc 1681 there is no permissible purpose for those inquiries and they are unknown and unauthorized These are the inquiries below : XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( Finance ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  XXXX. ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Consumer complaint received 2024-04-25
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. (NJ)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2023-10-31
Product: Credit reporting 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. (OH)

I am submitting to formally request the removal of four remaining fraudulent inquiries from my credit reports. These inquiries should be expeditiously addressed in accordance with the FCRA section 605b, which obligates Credit Bureaus to remove items listed on an identity theft report. The inquiries requiring removal within 15 days are as follows : EQUIFAX : XXXX, XXXX XX/XX/2023 XXXX, XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX : XXXX XX/XX/2023
Consumer complaint received 2024-04-25
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. (TN)

PLEASE BLOCKED AND REMOVED Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.
Consumer complaint received 2023-09-25
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: Experian Information Solutions 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 2023-11-09
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: EQUIFAX, INC. (CA)

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-05
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. (TX)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-04-21
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. (OH)

On XX/XX/23 my Acct : XXXX reported a late payment. According to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) transactions between the consumer and the person/Corporation making the report are not included on the consumer reports yet this information is being reported to my report.
Consumer complaint received 2023-08-25
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. (SC)

TRANS UNION IS IN VIOLATION OF BREAKING THE LAW, CONSUMER LAW AND RIGHTS, A SERIOUS BREACH OF TRUST. TRANS UNION YOU HAVE VIOLATED THE TRUTH AND LENDING ACT AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO TRANSUNION ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL XXXX BUREAUS ( TRANS UNION, XXXX, AND XXXX ) IS IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. REMOVE ANY PERSONAL INFORMATION THAT YOU DID NOT GET PERMISSION FROM ME OFF OF MY CREDIT REPORT AGAIN YOU HAVE VIOLATED 18 USC 1028 A AGGRAVATED IDENTITY THEFT. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND1DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
Consumer complaint received 2023-09-25
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. (WI)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (SC)

I have been trying to make my monthly mortgage payment since XX/XX/XXXX that is due on XX/XX/XXXX. I have called Lakeview Loan Services every day multiple times a day and unable to get through by phone. There is an automated recording saying that the network is down. Ive logged into the Homeowners portal and unsuccessful with logging in.
Consumer complaint received 2024-01-08
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. (GA)

In regards to credit cards that do not belong to be 1 being XXXX XXXX XXXX XXXX and the other being XXXX XXXX  in regards to these accounts I did not apply for these cards and do not wish to have theses accounts furnished on my consumer report also its 5 inquiries on my report that i did not authorize those being and by law all transactions regarding such activities are ILLEGAL under 15 U.S. Code 1681a ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2023-09-01
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. (TX)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2023-09-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (CT)

I checked my credit report, there was an XXXX bill in collections. My credit is close to perfect I do not use XXXX nor did I open this account. I called XXXX to try and see where this originated and they need a cell # or account number to search me. The rep said she was unable to search by name.
Consumer complaint received 2023-08-25
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: EQUIFAX, INC. (NY)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-01
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. (TX)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2024-04-24
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. (TX)

I've reached out to transuniom via phone, and mail to dispute XXXX XXXX XXXX XXXX. Their investigation was less than 30 days and even after submitting proff from the company transunion will not remove this I'm accurate information that is causing problems with obtaining credit.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I tried several times to obtain my credit report from both XXXX and Trans Union. Both of these credit reporting agencies make it impossible to get a free copy of my credit report. XXXX was easy and I was able to get approval on my first phone call. XXXX and Trans Union are trying to use the credit request system to sell additional services such as credit monitoring. This practice is absolutely shameful. Accordingly, I demand my credit report to be mailed out to me immediately.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I have diligently followed the established procedures for disputing inaccurate information on my credit report by submitting multiple dispute requests, each accompanied by the necessary documentation and evidence supporting the fraudulent nature of the listed items. Regrettably, despite these repeated efforts, the inaccuracies persist, posing a significant threat to my financial integrity and creditworthiness. 

I kindly request the following actions be taken promptly : Conduct an immediate and thorough investigation into the fraudulent items listed on my credit report. 
Provide a comprehensive explanation for the repeated failures to remove the fraudulent items despite multiple disputes. 
Take urgent corrective measures to rectify the inaccuracies and update my credit report accordingly. 
Furnish written confirmation of the resolution, including the expected timeframe for completion. 
Given the continued challenges and the impact on my financial standing, I expect this matter to be resolved within the specified timeframe from the date of this letter. The prolonged presence of these fraudulent items has caused undue stress and financial hardship, and further delays in resolution are unacceptable. 

Failure to address this complaint in a timely and satisfactory manner may necessitate escalation to regulatory authorities, and I may seek legal counsel to safeguard my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

From XX/XX/2023 through XX/XX/2023 my credit report has been accessed by XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX and several inquires from XXXX XXXX XXXX. I did not authorize any of these inquires. I have authorized XXXX XXXX to access my credit report only once and I now have ( XXXX ) inquires affecting my credit score. I want all these inquires removed immediately. I had a preauthorization/preapproval with XXXX XXXX XXXX only and authorized for my credit to be pulled once. Please see the attached documentation.
Consumer complaint received 2023-08-26
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (NV)

I have had issues with my banking accounts being compromised. I have addressed this and reported it to the credit reporting agencies. On XX/XX/2023, I received a letter from US Bank about an overdrawn account. I have no account with them, so I called to explain that this account is fraudulent and needs to be closed. " XXXX '' working out of XXXX  refused to close the account because I do not have the account number ( the notice I received only says " Account Number ending in XXXX '' ) and I would not give my social security number -- which I think they have no right to request since this is a fraudulent account. He claimed he could not access the account with my name and the address associated with it. Despite knowing that the account is fraudulent, he refused to close it. 

Please feel free to publish this account and let other people know that US Bank knowingly facilitates fraudulent activity.
Consumer complaint received 2024-01-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (FL)

Greetings, I am writing to lodge a formal complaint against Right Path Servicing regarding their handling of my mortgage escrow account. This issue concerns a significant change in my homeowner 's insurance and the subsequent lack of response and action from Right Path Servicing to adjust my escrow account accordingly. 

Initial Change Notification ( XX/XX/2023 ) : I informed Right Path Servicing of a change in my homeowner 's insurance provider, switching from XXXX XXXX XXXX XXXX XXXX. The new annual premium was substantially lower, {$1200.00} compared to the previous {$3400.00}. This change should have led to an adjustment in my monthly mortgage payment due to the reduced escrow requirement. 

Lack of Response and Action : Despite sending multiple emails ( the first on XX/XX/2023, followed by two subsequent follow-ups ), I received no acknowledgment or response from Right Path Servicing . My emails detailed the policy change and requested an updated escrow analysis. Additionally, attempts to contact the company via the provided telephone number were unsuccessful, with the phone system appearing to be designed to avoid direct customer interaction. 

Financial Implications : The failure of Right Path Servicing to respond and adjust my escrow account in light of the reduced insurance premium has placed me in a difficult financial position. As a customer, I am unable to afford the new payment amount and the delay in adjustment is causing financial strain.

Actions Taken : To resolve this issue, I have sent three detailed emails to Right Path Servicing, each outlining the situation and requesting an urgent escrow analysis update. I have also attempted to contact them through their customer service phone line, with no success in reaching a live representative. 

This situation reflects a lack of customer service and a disregard for the financial implications on a customer due to the company 's inaction. I seek the assistance of the CFPB in resolving this matter and ensuring that Right Path Servicing conducts the necessary escrow account adjustment in a timely manner, as per the change in the homeowner 's insurance policy. 

Thank you for your attention to this matter. 

Sincerely, Concerned Customer