davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I received my credit report from Transunion. It included the following incorrect information : XXXX XXXX XXXX collection balance of {$900.00} date opened XX/XX/XXXX This item has already been disputed and taken off my credit report. However on, XX/XX/XXXX, I received notifications from XXXX XXXX, that you have put this same account back on to my credit report after the disputing and investigation process was completed. 

If an item is deleted, the credit reporting agency can not put the disputed information back onto the credit profile. There was no re-investigation sent to me to notify me that this was investigated after the results were sent to me to confirm deletion. Also, this item was deleted over 30 days ago, which falls out of the limits to put back onto the credit report. 

FCRA regulations specifically state, in rare circumstances if the credit reporting agency accepts a reinsertion by the furnisher, they are required to provide a notice of reinsertion to the consumer within five business days of such reinsertion. I have no received anything and it is XX/XX/XXXX. 

transunion must delete this account off my record
Consumer complaint received 2019-10-14
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (OH)

I am a XXXX Veteran and President Trump gave  forebearance on my Student Loan. Nelnet has negligently left the student loan on my Credit Report. 
I attempted to contact them with no response. 
XXXX XXXX
Consumer complaint received 2023-05-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 30 days, so they should be deleted immediately or I will file for litigation due to the stressed you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

It's XX/XX/XXXX. I received a fraud through phone call and transferred XXXX dollars and XXXX dollars to someone unknown through my bank of America XXXX account. I called the bank and they filed a report for me but can not guarantee they can stop the account for the scammers or stop the transitions. And I also called polices. But they can not give me a solution so far.
Consumer complaint received 2020-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (FL)

This company has an account on my credit profile that is not mine, inaccurate or belongs to someone else. They are in violation of the fcra and have no written contract with my wet ink signuture I agree or willing to pay them.
Consumer complaint received 2023-01-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Harmon Law Offices, P.C. (MA)

On XX/XX/XXXX there was an illegal foreclosure sale on my home and the claiming to be purchaser XXXX XXXX supposedly paid $ XXXX for my property at XXXX XXXX XXXX. XXXX, MA XXXX. Today at the XXXX XXXX XXXX XXXX filed an " Unopposed property affidavit of entry '' which NEVER happened, the auction was held start to finish, on the XXXX XXXX near XXXX feet away, with witnesses and I RECORDED it onto a dvd disk from my phone, proving this affidavit is False under oath for perjury pains on this fake document ( attached ) on this day today XX/XX/XXXX. ( I have all of her text messages ) Also, this foreclosure is Ignoring my newest deed and Trust ( Bk XXXX pg XXXX ) DATED XX/XX/XXXX XXXX and because it can not be foreclosed on. I am asking this CFPB look into this illegal action of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX whom is working together to commit banking and mortgage crimes for profit. My last complaint on this site was regarding XXXX 's text to me on Thursday XXXX XXXX at XXXX stating she is going to " XXXX '' on my property and " Deed '' to to someone else and that she does not want any litigation I told her to expect from me. Instead today she files in the Reg Deeds claiming to be the owner of my home. I have no notice or any contact of her Closing date or any record anywhere of a Closing especially when she said last Thursday that she was : '' going to close ( over a year past the demanded time window to XXXX ''. I will be again contacting the IRS, FBI, and many other agencies to notify them of this fraud and terrorism on me, knowing that I am XXXX yrs old, XXXX, including XXXX XXXX etc.. This supposed closing took place this past week according to XXXX XXXX past legal limits for this action. Please see attached the auction was on XX/XX/XXXX and this fake foreclosure deed filed in Reg Deeds supposedly took place this past Monday OVER A YEAR LATER. If these criminals entered my property recently with my no trespass signs posted all around my home I will press trespassing charges. To weeks ago XXXX of my signs in the back of my property was torn off of my fence while I was unaware of the trespass or not home. I NEVER allowed any of these criminals on my property at any time ANYWHERE on my property. I would have chased them the XXXX off of my property Fully Opposed and is why the auction was held on the XXXX XXXX near XXXX ft from my property. Because I NEVER allowed them on my property ; so if they entered my property any time after the sale I will use their fake proof of allowed entry, to file a trespassing complaint in the courts for prosecution.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

My citi card was charge {$7.00} by XXXX on XX/XX/XXXX and {$220.00} by XXXX XXXX transfer and {$360.00} by XXXX XXXX XXXX both on XX/XX/XXXX. I was on a Airline flight to XXXX on XX/XX/XXXX. I called the credit card from XXXX on XXXX and disputed the charges. The dispute did not show up on my account so I called again on XX/XX/XXXX and was told I did not dispute the charges so I then disputed the charges again. On XX/XX/XXXX I again called citi card fraud to ask why they had not opened a dispute and the told me again I had to call fraud and dispute the charges. They now show that they will not overturn the charges online and whenever I call I get the runaround from one phone number to another with no resolution. I have had this credit card for 25 years and have never transferred money in any way and these are not my charges.
Consumer complaint received 2023-03-21
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: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or immediate update of the following erroneous information on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( s ) : XX/XX/2023 XXXX
Consumer complaint received 2016-12-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MD)

Spoke with mortgage compamy and they stated my mortgage payment would jump from {$1000.00} to {$1400.00} an increase of {$350.00}. which would have a financial impact on my life that I can not afford. When I spoke with them they stated my taxes had went from XXXX a year to XXXX a year. I spoke with the county tax office and they said that was not the case it olnlu increased a couple hundred dollars. Can you please help me resolve this issue?
Consumer complaint received 2023-05-29
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. (MD)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4700.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXXXXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX : {$0.00}
Consumer complaint received 2020-12-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a dispute dated XX/XX/2020 to TransUnion as I was a victim of ID Theft and noticed Inquiries on my report that were not authorized by me. I sent along with the dispute my DL, SSN, and copy of police report I filed all together certified mail. I received a notice of confirmation from the USPS dated on XX/XX/2020 at XXXX XXXX. On XX/XX/2020 I called TransUnion questioning why the items were not deleted off my report and the agent told me that they saw the document in my records but it needed to be unlocked by a supervisor so I was transferred to XXXX XXXX who was suppose to be a supervisor. in taking to her she told me that my documents were not able to be located and was refusing to look for them with the tracing number i was trying to provide her. She kept saying that I needed to re mail the documents to them. I then told her that I didn't need to because I had confirmation that my documents were received by one of their agents and that she needed to track them down. all she kept saying was that she cant do it and kept saying I needed to resubmit documents. I hung up with her after back n forth conversation as I t wasn't getting anywhere. I then called back to speak to another agent who verified they received my documents on XX/XX/2020 but he also said the same thing the first agent to me and transferred me to his supervisor. I was then transferred and the supervisor that said the same thing the other supervisor said, I then hung up with him and just decided that i needed to take more drastic measures as they seem to be very irresponsible and not organized at all with peoples personal identity.
Consumer complaint received 2023-05-21
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Account # 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. 




I sent dispute letter on XX/XX/2023, pertaining to discrepancies reported incorrectly and XXXX, XXXX and Experian have yet to correct the following issues. Please I need help as this is affecting and holding me back from purchasing a new home. report # XXXX XXXX XXXX XXXX I have also sent them letters asking how the validated the information was correct and have yet to receive a response. I asked them to remove any names and addresses that are not associated with the documents I have attached for reference
Consumer complaint received 2020-12-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST CITIZENS BANCSHARES, INC. (TX)

On XX/XX/2019, 3 unauthorized ACH transactions occurred in our checking account in the amounts of {$2100.00}, {$6100.00} and {$5200.00} We reported the unauthorized transactions to First Citizens bank on XX/XX/2019. 

The bank refused to refund our money insisting that we didn't report the error the next business day. 

The online banking doesn't show up until the day after, so we wouldn't have the ability to see the transaction until XX/XX/XXXX. The bank was closed on XX/XX/XXXX. So we did in fact report the error the next business day - XX/XX/XXXX. 

The bank is not refunding our money that they allowed to be withdrawn without our consent. 

Even if we had waited an extra day - the bank 's policy is absurd. How can we be expected to check our account daily for fraud? Especially over a holiday.
Consumer complaint received 2020-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc. (GA)

This is my second complaint in an attempt to remedy the situation. 

My Revolut Business Account has been temporarily blocked for the last 15 weeks. I can not access the account via the app or online. 

I have attempted to contact Revolut Business via the online chat system and have not received a satisfactory response as to why my account is blocked and when I can get access to my account funds over the last 15 weeks.. my last chatRevolut requested a copy of my passport and a picture holding the passport and new banking information where the funds could be forwarded. This was provided. I have not heard from Revolut in that time. I can no longer access Revolut support using my standard credentials The customer service is extremely poor with no ability to call and speak to a bank representative. All communication is done via chat through the application. Very often responses takes several hours during a chat. 

I would just like to access my money and close the account.
Consumer complaint received 2023-05-31
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. (TX)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are [ XXXX, XXXX XXXX XXXX, XXXX ] I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it [ 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 2020-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I purchased tickets for a trip that was supposed to happen XXXX 2020. XXXX cancelled my tickets due to the pandemic. I request a refund from XXXX but I never received it. I asked my bank to intervene. I opened a claim and sent information several times. They still haven't resolved my dispute.
Consumer complaint received 2020-12-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX XXXX DEPTEDXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, US dept Ed. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you can help me with this as well I appreciate it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.
Consumer complaint received 2020-12-18
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. (CA)

I was in deferrance and on XXXX and not supposed to be making payments and it says I missed payments. 

Also its going back reporting passed 7 years I feel and it never goes down in the amount I owe even though Ive paid on it for years and years
Consumer complaint received 2020-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CO)

Over one year ago on XX/XX/2019 I purchased a flight from a travel agency for a very specific flight from XXXX, AZ to XXXX, XXXX. Upon receiving my flight I looked in the terms and conditions of XXXX.XXXX  which explicitly states I am not obligated to purchase flights not agreed upon. Well 16 hours later I got a flight confirmation for a ticketed flight not agreed and paid for. I filed a dispute with Citi Bank as they were the ones I purchased the flight with. I also called the travel agency and was rest assured since I called 24 hours before hand that I was eligible for a refund after completing a form and receiving future email correspondence. Well that never happened, I never received my and proceeded with my credit dispute. The charge was reversed and Citi found me of no wrongdoing for 6 months. Then in XXXX, even after Citi finding me of no wrongdoing, reversed the charge, a {$1000.00} charge and blamed me for the transaction. Their reasoning was " they couldn't get the travel agencies bank to comply with the reversal ''. So now, 30 days before losing my job from Covid, Citi refused to help me. They wouldn't even defer late fees or interest because the charge happened before Covid became a pandemic. So now its XXXX, Citi is ready to settle and we settle for basically the amount due minus the late fees, interest, and payments already made upon a very clear condition ; I tell them I want the late fees reversed or the account deleted from my credit. The settlement manager from Citi agrees. But now I'm finding out their reporting my account as 'settled for less than amount due ' which made my credit even worse. I've asked them to review the recorded phone call multiple times, I even have a copy of the settlement phone call I made myself. Every dispute I've made with the credit bureaus I get a letter from Citi stating they can not find the account nor the information requested from the credit bureaus even though I can find this information in less than 5 minutes on my account, including a letter from Citi that explicitly states the account is to be deleted. Citi is ruining my credit, they are making it impossible to move on with my life and purchase a home or obtain an auto loan. For what? I've paid them what they asked and they can't nor have ever decided to help me. I'm sick of this