davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

Equifax ; XXXX  and XXXX  should not be reporting each Inquiry showing on my credit report as a separate line item. ( Please see pages attached from my credit report. ) These multiple inquiries are well within the ( 14 45 ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all of like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry for each. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2021-03-08
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. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''
Consumer complaint received 2021-03-08
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. (SC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Consumer complaint received 2024-02-28
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)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2021-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (AR)

I have a mortgage with U S Bank and went in to forbearance when covid hit. My wife and I were trying to be proactive instead of reactive. We were ready to come out after the three months that was agreed upon in XXXX but they extended it without permission for another three months. I called and asked how to cancel the forbearance and the story changes every time I called. First it was when you make a payment itll take you out, next it was we just need an email stating you want out, that was sent back in XXXX. Now I have over {$6000.00} in unallocated funds that obviously are not going toward my mortgage. They have just sent paperwork for me to sign and it was received by me in XXXX, but it states my first payment is due in XXXX of 2020! The amount owed for the forbearance is not accurate its off by about {$1000.00} and I do not understand how my payments have not been being applied to my account.
Consumer complaint received 2021-03-08
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 previously disputed a XXXX  XXXX XXXX  XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} from the first time I saw it on my report back in XXXX because it doesnt belong to me. Over the years, I have sent several certified dispute letters disputing the validity of this item. And I don't agree with your Experians claims that theyve investigation this item. On my last certified dispute letter to Experian dated XX/XX/XXXX, I requested that they mail me the proof of their investigation within 30 days. It has been more than 30 days and they have not mailed me the proof but theyve already closed the case and marked it as updated. Experians claim that the account is verified it's frivolous and unduly. I provided the reason for my dispute in simple language and they had 30 days to perform an investigation and mail me the proof of their investigation. Because this was not done, Experian should delete this negative information. It has been a terrible experience dealing with Experian. I have maintained a careful record of my communications with Experian for the purpose of filing a complaint with the FTC, the Attorney Generals office, and a local court in Texas should Experian not remove this account from my Experian credit reports. See Attached
Consumer complaint received 2023-05-11
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. (TN)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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, have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The Credit bureaus stated my accounts were properly investigated, but how is that possible if the open dates are inaccurate, account numbers are inaccurate, the date last active is inaccurate, and reported balances are inaccurate.

The Credit bureaus claimed accounts have been verified, but have not provided proof or sent me the original documentation with my signature on it. According to the FCRA, any information that can not be 100 % verified, must be removed.

The bureaus have violented cease and assist, and have also infringed on my right of primacy on multiple occasions, as well as taking more than 30 days to complete my investigations.

This ground for removal, they also violated my rights under : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PLANET HOME LENDING, LLC (WV)

In the year XXXX, I contacted my mortgage company planet home lending about a forebearance program they were giving clients at the time. I signed up for the months of XXXX, XXXX, XXXX and XXXX of XXXX and I sold my house in XXXX of XXXX, paying off the forbearance program on time and also my full mortgage loan. I then caught up on all my finances after a few months and went about to reapply for another home loan since rates were low. I was turned down telling me I had late payments for the months of XXXX, XXXX, XXXX and XXXX from the forebearance time. I called them on XXXX XXXX and they told me they would immediately take action to resolve this issue and remove false information. Well it is XXXX XXXX and they have not resolved this matter, what makes matters worse my credit report also has the month of XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX marked as being late on payments. Again I sold my house on XX/XX/XXXX and all those prior months listed on my credit report that are false and in accurate information from planet home lending. This is preventing me from getting a home!
Consumer complaint received 2021-03-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

On or about XX/XX/XXXX, I opened a checking and savings account at Citibank after seeing an incentive to open a new Citi Priority checking account and deposit {$50000.00} in new money. 

On XX/XX/XXXX, I transferred {$50000.00} from an external account into my newly opened checking account. I also requested to link all my accounts ( new and existing Savings ) so I can qualify for no monthly fees because my combined balance exceeded {$50000.00}. 

The terms of the promotion stated if the new money remained at Citi for 60 days in an eligible account, then Citi would pay me {$700.00} within 90 days following the 60-day mark. 

I was an existing client but only had an accelerated savings account, so I was eligible for the new checking/saving account promotion. 

On XX/XX/XXXX, I contacted Citi customer support and inquired if I could transfer my new money into my existing savings account now that it was linked. The representative told me it was okay but advised to leave {$50.00} in the new account, so they do not automatically close due to a low balance. So, I transferred the new money into my existing savings and left {$50.00} in the new account. 

In XX/XX/XXXX, I received a monthly fee and was deducted {$30.00} from my checking account. The bank did reimburse me and reassured me that my accounts were going to be linked correctly going forward. So, I assumed I would not have to pay fees again unless I lowered my balance below {$50000.00}. I also inquired about the {$700.00} promotion and was told it will be paid within 90 days of the XXXX day of depositing the new money. I expressed my concern that we were near the end of the 90-day period and the deposit has not been made. I was told to be patient. 

On or about XX/XX/XXXX, I reviewed my account and saw another $ 30 monthly fee from my checking account. I was told to call back once the fee was fully assessed against my account. I also inquired about the new account promotion and was told the 90-day period has not been fully met. 

My concern is the Citibank website has updated the terms and conditions of the new account promotion, effective XX/XX/XXXX. So, now I no longer have written proof to show them I was eligible at the time I opened my accounts. I also escalated my concern to a personal banker who submitted a complaint on my behalf. The result of my complaint was that it was denied because my funds were deposited in an eligible account despite being misled by a customer service representative.
Consumer complaint received 2017-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (WA)

I applied for a Discover card on XX/XX/2017. During the application process I was told to upload a copy of my driver license and SS card, which I did on their online portal. Then, a Discover representative called me to verify information. The application was declined. When I called into the reconsideration department I was told that they were unable to verify information I provided and the application was declined and the decision was final. If I wanted further consideration, I would need to reapply, resulting in another inquiry. 

I now have an inquiry on my credit report from Discover Card which they say they will not remove. This adversely affects my creditworthiness. 

They did not properly process my request for credit. I have a XXXX FICO score, so it is unusual that I would be declined with that score.
Consumer complaint received 2024-03-22
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. (FL)

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. These are the following accounts need to be removed : Account Name : XXXX Account Number : XXXX, Account Name : XXXX  XXXX  Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, and so on.
Consumer complaint received 2023-02-20
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: Experian Information Solutions Inc. (RI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX RE : Account # XXXX Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX RE : Account # XXXX Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX
Consumer complaint received 2021-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (GA)

Received a call from Transworld Systems XX/XX/XXXX about a XX/XX/XXXX charge from XXXX. Charge was for about {$3200.00}, but I had never used XXXX or even rented a car in my life. I contacted the police and XXXX for more information. After giving XXXX my name and driver 's license, representative was unable to locate any charges under my name whatsoever. Transworld Systems has already put in a validation request, but given the nature of the incident so far, I'm not entirely trusting their competence or honesty in this matter.
Consumer complaint received 2017-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC. (NC)

in XXXX I was persuade and pressure by XXXX XXXX XXXX of SunTrust bank in XXXX XXXX NC located on XXXX XXXX ...., to open up a checking account ... we spoke for about 45 minutes and I discussed with him the needs I had, and why I would only open up another checking account with any bank even SunTrust, and that was specifically the need to cash paper checks and have funds available immediately ... ... point blank ... we went over this point carefully, that. 1. can I cash a paper check at the atm, and withdraw money immediately, and that I needed over draft protection. Which he offered, and said he was setting up. Which I found out later that was a lie also, as well as the ability to cash checks immediately also and withdraw at the atm..and that I would not be charged a statement fee. If I use my atm card 10 times a month ... which I found out to be untrue also ... ..so I attempted to cash a check at the atm and withdraw money ... XXXX XXXX 2017 at XXXX while the bank was still open ... the atm machine prompted me that it had cashed my check and accepted it ..as I attempted to withdraw some cash it prompted me that would be allowed to withdraw cash as a one time courtesy but then later told me funds were not available ... so I entered the bank and inquire ... I spoke with XXXX XXXX..and explain why there were so many misconceptions with my account. He, ( XXXX  XXXX ) begin to explain them off ... .as if we never discussed these items when we open up the account ... .none were true..and it was just attempt to get me to open up an account to just generate addition fees for the this bank ... and attempt to have my social security and county benefits directly deposit to sun trust, ... all by informing me fraudlently at the initial account set up ... SO I CALLED THE XX/XX/XXXX POLICE, XXX, AND MADE AN OFFICIAL REPORT OF THIS TYPE OF FRAUD ... SO I WAS PROMPTED BY THE NC BANKING COMMISSION THAT YOUR AGENCY IS WHERE I SHOULD LOGDE MY COMPLAINT ... ... IF, SO, I AM DOING SO NOW ... I also feel that he discriminated against me simply because I was not a typical ( XXXX ) and because I was XXXX and my money is received from a public source ..mainly social security. And he lied to get me to open up this account be telling me he was offering these benefits. And setting them arm at the initial account set up. When in fact he was doing no such thing..in all hopes to generate fees towards the bank and ruin my credit ... FRAUD ALL OUT FRAUD ... WHEN XXXX OF XXXX ARE OFFERD THESE ACCOUNT SET UP IMMEDIATELY..BUT NOT THE GENERAL PUBLIC ...