davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX  XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$470.00}
Consumer complaint received 2022-11-17
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 — Problem with personal statement of dispute
Company: Affirm Holdings, Inc (MD)

My credit score was decreasing so I had to ask an XXXX representative what's caused it, so they checked and told me there's a loan I'm not paying which is from affirm Inc. And I don't know anything about the Affirm Inc . I googled there phone number and called the number wasn't going through. 
Affirm Inc . 
XX/XX/2021 {$800.00}
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received notification from XXXX that the following item has been deleted from my credit report and bylaw under the Under the Fair Credit Reporting Act ( FCRA ), credit bureaus and lenders must ensure that the information they report is accurate and truthful.
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

Citi bank credit card : I've been paying XXXX XXXX XXXX ( the collection company hired by Citi to collect payment ) regularly for over 1 year. They set up reoccurring payments and told me that they would notify me when it was time to set up the next set of reoccurring payments. Come XX/XX/XXXX I get a call telling me that I haven't played since XX/XX/XXXX. When I ask them why they didn't call me to set up the next set of payments like last time they told me that they were not allowed to call me since my payments were up to date. I told them that it wasn't fair to lead me to believe that they would call me to set up the additional payments and then not do it. On top of this I told them that I was in a FEMA declared disaster zone ( I was out of work and dealing with flooding in my house ) and asked them if they could put a hold on my account like all the other credit card companies were doing, they told me to call Citi bank. I called Citi bank and they told me to call XXXX XXXX which I did and they told me that only Citi could authorize this ; they did tell me that they were offering a temporary hold for their current Customers due to the hurricane but that I would have to call XXXX to ask them ; XXXX again told me that only CITI could do that. I started paying immediately after finding out that the payments that were set up were over and Citi is still reporting the payments as late on my credit report. I think it's really unfair that they could do report whatever they want without offering their former customers who are paying of their debt a reasonable method to address any issues. I've called Citi numerous times and all they tell me is to call XXXXXXXX XXXX   and when I do call XXXX they tell me to call citi, there is no accountability anywhere and no way for me to address these issues.
Consumer complaint received 2017-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc (WA)

ABC Financial Services Inc. comm itted credit card fraud by charging my credit card for services not authorized by me. This company uses unethical collection practices and abuses customers by charging small amounts over time that typically go unnoticed. This company should be shut down.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CO)

someone I know has taken my social security number and is trying to open bank accounts, and credit cards as me. she has also take cards i already have and called the credit card companies saying the card has been stolen and they are changing the addresses to her address and sending the new cards. i realized this when i went to use a card and it was declined and i called the company and they said we are sending a new card to a new address. the phone number was also changed on the account so all notifications go to her cell phone. i have frozen my credit on all 3 places but there are still accounts open that are in my name that aren't mine and it's a little overwhelming to call them all and get this straightened out. the fact she keeps doing it is even more frustrating, the police have been notified but there wasn't enough information for them to do anything, at least that's what they said. she tried opening a bunch of accounts in XX/XX/2022 and i have a list on my XXXX  account that they couldnt flag as fraud and close because accounts were active with those addresses. she has also tried to open accounts in my son 's name and im worried she may have also tried to get my mother, and might go after my other son and husband, also who knows who else she has been doing this to...
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (IL)

I want to make complain about JP Morgan Chase bank. I received a late payment fee for not making payment on time back in XX/XX/XXXX. My due date was on XX/XX/XXXX which was a XXXX. The next following day was XXXX XXXX so the branch was closed because its XXXX XXXX  So the first following business day was XX/XX/XXXX. I did make my payment at a branch on the XX/XX/XXXX, XXXX. 

According to the Credit Card Accountability Responsibility and Disclosure Act of XXXX, the payment due date should be extended to the next following business date if the due date is on holiday or weekend. In my case, I wasnt able to make payment over the phone or online. 
Because I had to made payment by using a physical check from another person. I must deposit the check at branch. However, the branch did not open on both day of XXXX and XXXX. 

I tried several times to talk to customer service agent at Chase. But all of them insisted that Chase bank do not have grace period ; payment must be made on or before the due date regardless whether the due dates fall on weekends or holidays. This is contradicted with credit CARD Act of XXXX. I dont care about if they will refund me the late fee, but this is about whether the corporation is practicing their business under the Law and integrity.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report.

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX  Account Number : XXXX Please remove it from my credit report.

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX  Account Number : XXXX Please remove it from my credit report.

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report.

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

7. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2023-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NY)

I requested a {$10000.00} refund on my last loan payment. That submission was on XX/XX/2022. I have since never recieved the refund nor my balance has been updated on the loan servicer website. My loan servicer within the recent years has been transferred from XXXX  to XXXX to Aidvantage and have never been notified of any transfers. I was told from Aidvantage that my loan info would update in their system in mid XXXX so I can inquire about why its taking so long for the refund. I called around XX/XX/2022 and no one has an update for me and I have since seen no refund or movement on my refund request.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (SC)

I noticed on my credit report that someone has tried to open an account in my name multiple times. 

COMENITYCAPITALXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CT)

I owed Best Buy retail services ( Citibank ) {$53.00} due XX/XX/XXXX. They received my payment XX/XX/XXXX. 

They charged me a {$60.00} late fee! I called and tried to have it waived as I have been a long time customer. The first person- said it was against policy and there was nothing she or anyone else could do about it. 

She finally sent me to a supervisor ( after I held for 10 minutes ). This person kept reading from a a script- was obviously in another country due to the 5 second delay in the conversation and she read from a script too- she waived {$30.00} of the {$60.00} but failed to see the inherent unfairness of a {$60.00} late charge on a {$53.00} invoice being 1 day late. 

If in the process of paying the bill- I overpaid- it would take 3 MONTHS for me to get my refund! 
Process and policy were the answers. Worst customer service Ive experienced in 45 years of having credit cards.
Consumer complaint received 2023-02-11
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX, XXXX, XXXX, XXXX, 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 an account without written instructions.
Consumer complaint received 2018-03-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation (WA)

On XX/XX/XXXXwhen my agent called the bank to check on our offer, we received a counter. The foreclosure sale date was on HOLD per XXXX XXXX  who is the file owner at XXXX. On Monday my agent sent in a new offer that was a FULL PRICE offer that met the banks net, and XXXX XXXX said she wouldn't be the person assigned. When my agent called TODAY she was told XXXX WAS INDEED still supposed to work it, but when my agent emailed her the documents she continued to write that she wouldn't work it. My agent called AGAIN today and was told that XXXX  was supposed to return my agent's call, but hasn't. I'm told it has to be postponed TODAY or else there is no chance of getting the foreclosure placed on hold, how can this be okay when we have a full price offer?
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. The following items should be corrected immediately : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$7500.00} ; XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-06-06
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. (GA)

I have a fraudulent account listed on my credit report, called XXXX XXXX XXXX XXXX XXXX XXXX which date was opened on XX/XX/2021. I have disputed this fraudulent account with TransUnion and they have not removed this account from my credit report and TransUnion and XXXX XXXX XXXX XXXX XXXX XXXX is violating the fair credit reporting act by reporting inaccurate information on my credit report. Please remove this fraudulent item immediately and if it is not removed, then I will be filing a lawsuit against TransUnion and XXXX XXXX XXXX XXXX XXXX XXXX for not removing this fraudulent item from my credit report. I have attached a police report and affidavit for further review.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I found out that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX AUTO XXXX Balance : {$26000.00}.
Consumer complaint received 2024-03-27
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: EQUIFAX, INC. (MD)

Equifax has failed to conduct a timely investigation, as required by the Fair Credit Reporting Act ( FCRA ), regarding my dispute. Despite multiple requests and attempts, Equifax has not fulfilled its obligation to conduct a thorough investigation into the inaccuracies on my consumer report. Instead, they have repeatedly restarted the investigation process without providing the method of verification or the results of their inquiries. This prolonged delay and disregard for FCRA guidelines constitute fraudulent behavior and demonstrate non-compliance with consumer protection laws. Additionally, Equifaxs unauthorized furnishing of my consumer report to third parties without my consent and without permissible purposes further exacerbates the situation. I demand immediate action to rectify these violations and ensure compliance with FCRA regulations.
Consumer complaint received 2023-01-10
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: EQUIFAX, INC. (AL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2018-03-06
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: Clarity Services (AL)

XXXX XXXX XXXX XXXXXXXX has about 3 different hard inquiries on my credit report, but they should be soft inquiries. Tried calling this company, and no one answers -- just leave you on the phone stating you can wait but they are extremely busy at the time.
Consumer complaint received 2023-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Multiple fraudulent inquiries are reporting on my credit report. 

XXXX XXXX XXXX XXXX  -TransUnion XXXX XXXX XXXX XXXX TransUnion
Consumer complaint received 2023-05-09
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: Experian Information Solutions Inc. (IN)

I have consistently paid this account on time, and the presence of an inaccurate late payment is causing me significant anxiety. I am unable to sleep properly due to this issue. Please promptly update my account and remove any incorrect information to alleviate this stress. I am begging you to take action as soon as possible.
Consumer complaint received 2022-11-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: GLOBAL SOLUTION BIZ LLC. (GA)

For 2 days Ive been contacted repeatedly. Its causing my XXXX to spiral out of control and dont want to XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-01-10
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. (TX)

After checking my XXXX and Experian reports, it shows that i have a XXXX XXXX. This violates the GBLA federally enacted law that requires Financial Institutions to Not disclose non public personal information to non affiliated third parties, unless the consumer receives sufficient notice. 
Give customers the opportunity to opt out from having their information shared in certain situations. 
Protect the personal and financial information of their customers against unauthorized access or use. 
Not only have I never been given the option to opt out of having my personal information shared across 2 different credit bureaus, but this has also caused detriment to my overall score and report to drop drastically. This would in turn negatively affect any attempts to receive a loan or to be granted a home. I would need this error removed expeditiously as I am a federally protected consumer per the Privacy Act of 1974 and the Right to Financial Privacy Act of 1978.