davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-08
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: Experian Information Solutions Inc. (TX)

On  XXXX ,  XXXX   XXXX  I contacted Experian in regards to several inquiries on my credit report that I did not authorize. I contacted them after first submitting a dispute online for the accounts. The results returned showing none of these accounts removed from my report. On  Sunday ,  XXXX   XXXX , I received a notification from  XXXX   XXXX , the company that is working on my behalf to help restore credit, stating my credit report had changed. Upon logging into my account it reflected  6  new inquiries to my report as of  XXXX   XXXX ,   XXXX   in addition to those inquiries already on my report prior to the dispute. I contacted Experian again on  XXXX   XXXX  in regards to this and was advised that there are no new inquiries and any inquiries on my report would remain there for 2 years.     The accounts that updated showing negative hard inquiries as of  XXXX   XXXX  were  XXXX   XXXX ,  XXXX   XXXX ,  XXXX  Card, and  XXXX .
Consumer complaint received 2024-03-15
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: Experian Information Solutions Inc. (VA)

I am writing to dispute the inclusion of an erroneous XXXX account on my credit reports, which is currently in litigation because the account does not and has never belonged to me. Despite my multiple requests and submission of supporting documentation, the inaccurate information has not been rectified. I have diligently asked the credit reporting agency to remove this inaccurate account on multiple occasions without success. I now invoke the estoppel by silence method, a legal doctrine which posits that silence in the face of a duty to speak may give rise to an estoppela legal bar that precludes any entity from asserting facts that are inconsistent with their failure to correct this inaccuracy. By neglecting to remove the XXXX account, the responsible party is effectively complicit in perpetuating false information on my credit reports. I kindly request your intervention to ensure that the appropriate entity adheres to its obligation to accurately report information. The continued presence of this account not only harms my creditworthiness but also violates the principles of fair and accurate reporting mandated by the Fair Credit Reporting Act ( FCRA ). I trust that, through your oversight, the responsible entity will promptly remove the inaccurate information from my credit reports, rectifying the harm caused to my credit standing. Thank you for your attention to this matter.
Consumer complaint received 2023-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (PA)

On XX/XX/2023, I contact the bank to open a dispute fo rmerchandize not received. They provided provitional credit. The bank never sent me any letter or information about the case and I noticed that they reversed the provitional credit given. I called the bank and they said that they sent some letter requesting more information, I said I never get it and checking the address the bank sent those letter to an address is not on file as my mailling address, they made a mistake and sent to an address ooutside of the US. 
I called to the bank and they said I will have a call back in 48 hours, nobody called me. 
I need to have this fixed asap, dont want to have my acount closed. 
This issue was caused for a bank negligence sending mail to an address that is not my mailling address. 

Dispute details : XXXX ) XX/XX/2023 {$1000.00} XXXX XXXX XXXX XXXX XXXX ) XX/XX/2023 {$1000.00} XXXX XXXX XXXX XXXX XXXX ) XX/XX/2023 {$1000.00} XXXX XXXX XXXXXXXX XXXX  XXXX ) XX/XX/2023 {$1000.00} XXXX XXXX XXXX XXXX At the moment of the purchase on the store I was adviced that they didnt have on stock the smartphones at that time in the same store, so they will send it to my address using XXXX XXXX and the delivery date given was no later XX/XX/2023. I never get the items and I tried to reach the merchant several times without success, nobody answer, I tried to call them to request shipping information tracking number or delivery confirmation. 
Attached goes the invoices and receipts.
Consumer complaint received 2023-08-31
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. (NV)

I have reached out to the following accounts below and talked to them about the issue with my accounts as reported by the TRANSUNION. They have advised me that they will remove the late status on my accounts however, as I reviewed my recent report, the late status are still reported. I am not sure how the TRANSUNION came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
Consumer complaint received 2017-05-19
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (MI)

I wanted to recieve my free yearly credit report with Equifax and I could n't do it on the website. They asked me to send them a copy of my driver 's license and social security card. I did that and they sent me a letter stating that I did not send them to proper identification needed to get the credit report. I tried to call and could n't get a person. Instead, I got some kind of voice prompt that never sent me to a person. That was my attempt to get the situation settled with them.
Consumer complaint received 2017-04-06
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I bought my home through an FHA loan in XX/XX/XXXX and we heard all of the good things about refinancing and finally did it in XX/XX/XXXX. Our loan was held by XXXX and we refinanced through them, as well with another FHA loan. In XX/XX/XXXX our paperwork was finalized to refinance our home. However, we were not aware and not told that FHA regulations had changed and that Private Mortgage Insurance would now be part of the loan for the entirety of the loan. The payment quote that the XXXX representative originally told me over the phone was considerably lower than the final one I began to see in the paperwork. When I asked about this discrepency he said FHA rules had changed and the insurance cost had gone up. He did not explain that we would have PMI for the life of the loan. We are now locked into a loan with PMI and our monthly payment has now surpassed our original monthly payments as we deal with increasing property taxes, as well. I hold XXXX responsible for not thoroughly explaining this - as they would be benefiting from the extra Mortgage insurance they would receive from us. Looking back I can see the terms are in writing in the contract, but we did not receive full explanation and only had a notary present at the signing the closing documents. XXXX did not do their due dilligence to make sure we understood we would have PMI or MIP ( whichever you call it ) for the life of the loan. I am not sure we had even seen it in paperwork before the day of signing. It was also not disclosed to us than a small down payment would have removed MIP from this loan. In the paperwork the Present Market value in XX/XX/XXXX was recorded as {$100000.00} and the amount of our mortgage was recorded as {$93000.00}. This is an LTV of 90.4 %. This to me means we should not have MIP on this loan. 
I also hold HUD responsible as I see this as another burden they have placed on homeowners. There is no reason homeowners who have never missed a payment should be stuck with this extra fee for the life of a loan! This is just extra money into the pocket of the lender on top of the interest they already receive! We now own more than 20 % equity in our home and have never missed a payment, yet we are strapped with the added burden of this mortgage insurance. I can not believe we had the horrible luck of refinancing one month after the rules regarding PMI had changed.
Consumer complaint received 2023-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2017-05-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Adjustment Corp. of S.W. FL., Inc. (FL)

I checked my online report recently and discovered that there is a  Professional Adjustmen  XXXX  collection that is incorrectly being reported to my credit. It seems they are asking for {$1300.00} and the account number is "  XXXX  ''. I did not receive any notice with a right to dispute before this was reported to my credit. This is concerning because I do not know who this company is or why they want me to pay them such a large sum of money. I 've done some research online and this company has been involved in several scam stories for many consumers. Considering their history, I am not about to reach out to this suspicious company when I do n't even know what this debt is for. They need to explain who they are and why they want me to pay them {$1300.00}.
Consumer complaint received 2023-05-02
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: Atlanticus Services Corporation (GA)

it was reported I had a late payment on XXXX account. I was never late on the paid off account listed above, please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged late payment from my credit report.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NJ)

My home depot credit card has been reporting payments from XX/XX/XXXX to XX/XX/XXXX. 1st they said my missed payments were XXXX and XXXX and then when I prove them wrong by showing that my bank statement and now they changed it to XX/XX/XXXX saying I was late sent them proof of my bank statement showing that I did pay I didn't make a payment. I've disputed it probably about 20 times in the writing and every time they come back saying that I missed the payments when I didn't. My bank statement is not lying, I have a 98 % payment history so the only two that's preventing me from 100 % are these miscellaneous payments that I know I did not mess because I have the bank statements to prove it. I have been trying so hard to build my credit, and they keep holding me back as well as a collection agency that keeps opening and closing and I know I don't owe them a dime because I paid it off in XXXX beginning of XXXX. I can't get them to fix issue. I've emailed them and disputed the late payment, and even though I sent bank XX/XX/XXXX to XX/XX/XXXX they refuse to change it they just switch months and say I was late different months when I would be off on one credit report it says XXXX and XXXX the other one it says XXXX and XX/XX/XXXX it's already been over two years and they still continued to say I was late, but I know I was not Im over it my credit score finally was up to XXXX and because I use the fee was my credit cards my credit score went down drastically to XXXX and XXXX and even though I have paid off most of the balances already a week later, they decided to lower my score anyway and it's really getting ridiculous because they drop it so dramatically and it's taken me two years to get to XXXX and now I'm back at the bottom again
Consumer complaint received 2023-11-25
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NV)

My husband had a bad biking accident in XX/XX/2023. Doctor ordered XXXX. We used the debit card provided by my employer to those with high deductible plans to pay for the XXXX  at point of service. 

In early XXXX, the XXXX  started saying they needed documents re the charge never happened before with service paid at facility, in 7+ years with the card. I could not login to their system without account number. 

I called the company, they refused to give me account number. On XX/XX/XXXX I emailed the documents to the company, including various cc receipients ( President of XXXX  Bank, business relations, etc ). 

Last week ( XXXX XXXX ), got a letter from XXXX  threatening me with the IRS. That letter actually had the account number I asked for months earlier, but they had refused to provide. 

I snail-mailed all the documents again ( XXXX XXXX ), with a cover letter calling it harassment. 

Today ( XXXX XXXX ), got an email to login, then found a letter titled charge was denied. The message center does not allow my computer to open this letter ( I get a message about a missing plugin ), so I can not attach it here. I attach all the earlier documentation.
Consumer complaint received 2022-12-20
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. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-02
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. (NJ)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

On XX/XX/XXXX Cardmember Service issued a balance transfer check to my account at Comenity Bank in the amount of {$340.00}. The check was cashed on XX/XX/XXXX by Comenity. When I checked my Comenity Bank credit card account on XX/XX/XXXX to see if the payment was posted it had not been posted yet. I contacted Comenity and they said they never received it. So, on XX/XX/XXXX I made on online payment of {$340.00} to pay my balance so I wouldn't get any fees. The payment was made directly from my checking account. I then contacted Cardmember Services and they mailed me a letter with a copy of the front and bank of the cashed transfer check which showed Comentiy cashed the check on XX/XX/XXXX. I mailed a letter and a copy of the front and back of the check to Comenity. By XX/XX/XXXX the cash transfer check payment was still not posted to my account. I contacted Comenity in XX/XX/XXXX and they said they received the copy of the cashed check and it should take about 6 weeks to post to my account. XX/XX/XXXX the payment was still not posted, I called XXXX they said they see the information and told me the payment was pending but they didn't know why it should be posted on my account within 2 weeks. Again, XX/XX/XXXX came still not posted, called Comentiy, was told they were very sorry it should be posted on my account within 72 hours. XX/XX/XXXX came still not posted, contacted Comentiy again they didn't know why it wasn't posted they will work on it. As of XX/XX/XXXX it still has not been posted online. Comentiy tells me all my calls and the letter show on my account record, but the payment never gets posted even though they say it will be posted.
Consumer complaint received 2023-11-25
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

I have had two major issues with my Citi double cash card.

1 ) In the span of 2 weeks my card was blocked N times and I have spent hours on the phone trying to resolve it. I was doing regular transactions with merchants I have always used with this card ( XXXX, XXXX, XXXX, XXXX XXXX, ... ). 
This makes using this card pretty challenging and it is my primary card for purchases. Citi has not given me a response on why this is happening and how are they going to prevent it from happening again. Their agents just say they have made complaints in their internal department but given how long this is going on and how frequent it is happening it is pretty clear to me that these internal complaints are not being heard, thus why I am filing this complaint now. 

Some of my call log : - Talked with supervisor XXXX on ( XXXX ) XXXX at XXXX XXXX PST XX/XX/XXXX : According to them blocked because of XXXX transaction - XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : According to them blocked because of XXXX transaction - XXXX XXXX  PST XX/XX/XXXX : According to them blocked because of XXXX transaction - XXXXXXXX XXXX PST XX/XX/XXXX : I don't remember which transaction it was but I had just cleared the card XXXX hour before and it got blocked again. Seemly no new transactions. 
- XXXXXXXX XXXX PST XX/XX/XXXX : Don't remember the transactions involved but I had to redo this XXXX hour after, Citi never gave me an explanation of why - XXXXXXXX XXXX XXXX XX/XX/XXXX : Card present transaction at XXXX XXXX XXXX To make matters worse, they are not able to send SMS to my primary phone number ( a XXXX XXXX  XXXX and they won't accept my secondary phone number ( a XXXX XXXX  because the Caller ID name they get from some third party tool doesn't match my name. Both numbers are used to send me alerts about my account, have been properly registered on citi.com as my phone numbers but I still am not able to use them. I have had both numbers for XXXX and they are mine. 

The Caller ID part is particularly frustrating because I have a really long name that doesn't fit on the card or on the caller ID and the reason they don't match is simply that different parts of my name are used. This ends up being discriminatory to people from XXXX XXXX  countries because our names tend to be very long. 
I would like Citi to provide a way for me to properly register my secondary phone number to receive SMSs. Just give me the instructions. The fraud department agents just say it can't be used because of information from third party providers which is truly maddening.
Consumer complaint received 2023-05-02
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. (TN)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX  XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$650.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Creditor : XXXX  ) XXXX Balance : {$650.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-08-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc. (CA)

I have several medical collections that have been posted to all of my 3 credit bureaus which are not in compliance with the No Surprises Act. I have contacted XXXX, XXXX, and XXXX to remove the following collections : Progressive Management accounts : XXXX, XXXX, XXXX Progressive Management and the 3 credit bureaus have not answered and or removed these items. I provided medical documentation to confirm my treatments.