davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-27
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. (NC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XXXX  XXXX, XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : DEPTEDXXXX-XXXX-Balance XXXX XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXX-Balance XXXX XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXXXXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXXXXXX-XXXX-Balance XXXX XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXXXXXX-Balance XXXX XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXX-XXXX-Balance XXXX XXXX Opened : XX/XX/XXXX DEPTEDXXXX-XXXX-Balance XXXX XXXX Opened : XX/XX/XXXX DEPTEDXXXXXXXXBalance XXXX XXXX-Date Opened : XX/XX/XXXX
Consumer complaint received 2021-09-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Viking Client Services (TX)

On XX/XX/2021 I received correspondence from VIKING CLIENT SERVICES , LLC about a debt allegedly owed to them in the amount of {$310.00}. First and foremost, who does these people think they are to not only demand that I pay them but to report this alleged debt to the credit bureaus and ruing my reputation as a consumer? Who gave these people to report anything on me in the first place? I don't owe these people a damn thing and I've never done business with them a day in my life. I want this XXXX handled immediately!
Consumer complaint received 2019-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX, DOB:XXXX, Last 4 SSN : XXXX. 

To whom this may concern, I went to check my credit report and I noticed that XXXX XXXX  XXXX has not been reporting properly. As shown on the attached file, it shows they haven't reported the account current since XX/XX/XXXX. We are in XX/XX/XXXX. This is unacceptable and seeing how this is not the first time I have had to deal with this company in the past on improper reporting I don't want to play any games or play it safe. Please update my account to XX/XX/XXXX and current.

It also shows that on XX/XX/XXXX they also have reported incorrectly and shows no info. I have disputed that inquiry with them before and as shown it still shows incorrectly. Please show current on XX/XX/XXXX month with a check mark and current. 
Thank you for your time and have a wonderful day.
Consumer complaint received 2023-01-05
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. (SC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate This account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below. 
XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-09-27
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. (FL)

603. Definitions ; rules of construction [ 15 U.S.C. 1681b ] Exclusions. ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; It also defines what a credit card is " ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' My Nine digit Social Security card number that was used to extend credit in the below account is prohibited by law to publish on any credit reporting agency. 

On XX/XX/XXXX I sent a second dispute to Equifax regarding an inaccurate/ fraudulent Medical bill that they are reporting on my credit. I was never in the hospital when the bill stated that I was, and my insurance has no records for any request for payment for the bill in question. 
Equifax sent me a statement report on XX/XX/2021 report # XXXX The report states that they have investigated item account # XXXX and that the item belongs to me. 

Equifax did not provide any details as to how that Item was found to belongs to me, Per the dispute, I requested for the second time that Equifax furnished proof that such an item belongs to me and a copy of the HIPPA release form that I signed by me authorizing my medical data to share with these above-mentioned third parties. This is a clear violation of my rights according to HIPAA. XXXX XXXX XXXX and Equifax for the second time failed to furnish the requested proof yet, the negative item continues to reports on my social security credit device.
Consumer complaint received 2019-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I want XXXX account and collection removed from my credit reports. Ordered products from XXXX all the way back in 2013, never received my order as it was sent to an incorrect address I no longer lived at in a different state. I dont know how they got that address as that's not what I put. When I saw it was being shipped to incorrect address I contacted right away to inform to change address as it hadnt actually shipped yet. They refused to change to correct address. After they shipped, I contacted fedex and they said the shipper could change the address with them for delivery. They would not. Was delivered to my old address in different state. I even contacted apt office at that address and they said my package was delivered there but they gave it back to fedex to return to sender since I didn't live there anymore. XXXX should have received package back but still kept my bill for order as is. They would not reship to me. Obviously I was not going to keep paying for an order and goods I never received. No one would help me with this and ended up getting bill sent to collections with collection account and closed/charged off XXXX account show on my credit report which is not fair again for goods I never even got. Collection company would not remove when I disputed. I have screenshots from 2013 of all the emails I sent to XXXX informing about the address and trying to get them to do something.
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (CT)

I started a balance transfer from Citicards to new XXXX XXXX card. Requested {$13000.00} to be transferred on XXXX XXXX electronic app. I called 4 days later asking status. 

XXXX XXXX made 2 requests-paid Citi XXXX and 4 days later XXXX for total of XXXX transferred over to new unused XXXX XXXX card . I dont have XXXX of debt in Citicards XXXX XXXX onlyso 1. Error making 2 payments for balance transfer ( only one authorized with me ) 2. Transferred someone elses debt to my account. 

Now, I am over limit on XXXX XXXX ( so interest being charged ), I was told by XXXX XXXX that Citi has to refund money for me to pay XXXX XXXX. Citi said refund would go to my checking account. Its all a lie. My credit card for Citi has been refunded. Now Citi shows I have a XXXX credit. How can I pay XXXX  when my credit card was refunded for the error. You cant pay a credit card wjth another credit card. 

I need Citicards to pay XXXX. And then for all interest and additional transfer fees to be refunded. And credit is down over XXXX points because of this error. I really need help! Thank you! Also, I did this balance transfer to take advantage of XXXX XXXX XXXX mos 0 % APR. and cant even take advantage of this bc double was transferred over.
Consumer complaint received 2019-02-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (DC)

On XX/XX/XXXX, I opened a XXXX XXXX XXXX credit card ( which is run by Synchrony Bank ) and  made a purchase of {$4700.00}. There was a promotion to earn 20 % back in " reward points. '' When I received my statement, they had only given me 10 % in rewards. I called and they acknowledged the problem but said it would take 1-2 billing cycles to resolve. When I received the next bill, I had been issued a " rewards certificate '' for the remaining number of points that were owed to me. However, when I went to use the certificate at XXXX XXXX XXXX, the certificate number did not work. When I called Synchrony Bank, they didn't know why it wasn't working and said it would, again, take 1-2 billing cycles to resolve. When I complained that I had already waited an additional billing cycle to get points that were owed to me, they said that there was nothing they could do. When I asked how they would be fixing this problem, they said they didn't know. 

This bank clearly has an issue with their rewards points system- it should not be that hard to get things right.
Consumer complaint received 2024-02-22
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. (TN)

I did not apply for credit nor give consent for my information to be used, therefore these are fraudulent opened by someone using my identity and reporting it is a violation of the FCRA. I didnt enroll or apply for this. This is a violation of my consumer rights under XXXX XXXX XXXX. I never gave consent to this being reported, therefore it is identity theft and under XXXX XXXX XXXX and per XXXX XXXX XXXX XXXX item identified as identity theft must be deleted and blocked. 

SEE ATTACHMENTS
Consumer complaint received 2022-09-29
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: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I send this complain to inform the XXXX credit bureau that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, CA XXXX, XXXX  XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Consumer complaint received 2021-09-27
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: Bread Financial Holdings, Inc. (NJ)

These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft CCB/CHLDPLCE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2021-09-27
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)

XXXX and Transunion are in violation of my consumer rights by reporting fraudulent inquiries/address on my credit report. Below are the fraudulent inquiries and address that are being finished on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXInquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-02-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/XXXX I got an {$12000.00} personal/home improvement loan from Navy Federal Credit Union ( NFCU ) with monthly payments around {$380.00} a month for 48 months. On XX/XX/XXXX I received a two month extension on the loan and NFCU extended my loan 2 months with last payment on XX/XX/XXXX. After I paid my last payment there was a balance of {$1200.00} remaining on the loan even though the loan should be paid in full. NFCU loan management first told me that was accrued interest from the two month extension but I ask for an explanation on the excessive interest. The second time I spoke with someone from NFCU loan department in the branch. They told me {$350.00} was for late fees, {$130.00} for accrued interest for the two months extension, and the rest for the two months I missed on XXXX and XX/XX/XXXX. The problem I have with NFCU is that they extended my loan from 48 months to 50 months and making me pay the two months the loan was extended in XXXX even though I paid two extra months. I paid the loan off with the exception of {$350.00} dollars in late fees and {$130.00} in accrued interest during the two months extension. I've contact NFCU several times about the issue on ways to dispute the problem with no resolve. NFCU is telling me I have to pay them for the two months I extended the loan even though they added two extra months to my loan agreement.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian XXXX XXXX is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' I have attached copies of my credit reports highlighting the specific XXXX XXXX XXXX  account that is reporting ( 2 ) Separate accounts ( 1 ) for {$16000.00} & another reporting {$10000.00} on both XXXX XXXX EXPERIAN. I have attached supporting documentation that reflects the ONLY account open with XXXX XXXX XXXX  which is for {$16000.00}. Despite my persistent efforts, the inaccuracies continue to adversely affect my credit report, causing unwarranted financial stress, Denial of Credit Approval, Fraudulent Debt to income ratio reporting, & more. I am well aware of the importance of accurate reporting for both consumers and creditors and I am disappointed that my concerns have not been appropriately addressed. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ''
Consumer complaint received 2023-02-03
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. (NV)

no knowledge of these accounts. no contract with these companies. please remove, they reposted this account. reporting innacuretly across the bureaus, no account info, this is violationg consumer law.
Consumer complaint received 2021-09-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

After updating insurance information with PHH Mortgage I was informed via a letter that I would be charged {$860.00} for forced placed insurance for the period of time that there was no insurance on the property. This time frame was XXXX to XXXX. This gap was less than 3 months due to the prior insurance company never sending a payment letter. That company also never informed PHH of the cancellation. There were no claims during this period. PHH Mortgage makes it next to impossible to contact someone at the insurance servicing center. It took over an hour to contact someone and when I finally did, the call center informed me they were in XXXX and not XXXX. XXXX from the insurance department informed me PHH Mortgage just last month they reached out to the old insurance company and found that the policy had expired. We are now in XXXX of 2021 and PHH is just now getting around to updating their insurance records. 
PHH Mortgage sent copies of papers after my initial complaint which were irrelevant to the issue. The paper did not address the fact that they did not know at the time that there was no insurance in place. Secondly, the mortgage contract clearly states that forced place insurance can only be put in place if there is no insurance currently on the home. Prior case law shows that lenders can not force place insurance on prior gaps of insurance, only hwne there is no insurance currently.
Consumer complaint received 2023-02-03
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. (MI)

regarding payment of XX/XX/2022 mortgage payment. XXXX XXXX is reporting it late although the payment was made my first servicing company. The mortgage was sold to another servicer. So payments were made and forwarded but they first servicer returned the mortgage payment instead of forwarding. attached is proof that payment was sent... then credited back to me... 
I need the negative late payment reported removed. 
XXXX XXXX Regarding XXXX. XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2021-09-27
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. (NC)

In XX/XX/2020 i received a check to pay the balance for the debt that i sent to the company, they sent a 1099c and refunded me the funds i had sent as they cancelled the debt and promised to remove. I have reported them to the FTC as well as called several times with no letter or 2nd copy of my 1099c for my mortgage company and was hung up when I requested them to honor the FDCPA and remove the debt as it was forgiven, which under the FCRA then they aren't allowed to be reporting this debt, I have 2 other debts with them that were also forgiven but no 1099c provided and are still on my report from the same company.
Consumer complaint received 2021-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (GA)

Received a letter on XXXX from XXXX XXXX XXXX XXXX claiming I owe PayPal, Inc. {$9400.00}. This is not my account and paypalXXXX shows a XXXX balance for my account.
Consumer complaint received 2022-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc. (VA)

XXXX  XXXX : Cornerstone Home Lending , Inc. 
XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX We purchased the home in XX/XX/XXXX. 
The home requires flood insurance. 
At closing everything was presented as in order with the escrow. 
Within a few months, Cornerstone was sending us letters saying we did not have flood insurance and that they would purchase a policy. It took a several months and many emails to get that straightened out. Around XX/XX/XXXX, we received a bill from XXXX ( flood insurance company ) for the renewal of the policy. The bill should have been sent to Cornerstone. I paid the bill to ensure we did not have a lapse in coverage ( I was aware of the chaos of Cornerstone and XXXX ). Around XXXX XXXX Cornerstone started their threatening letters again about not having coverage. Cornerstone and XXXX went around and around as to policy numbers, payments and coverage amounts, and correct mailing addresses. I filed a complaint with the NC Department of Insurance. XXXX recommended I file a complaint to this department. I received several more threatening mailings ( USPS ) from Cornerstone about not having coverage or adequate coverage. 

I received reimbursement for my payment from XXXX last week. I have heard nothing from Cornerstone ( by USPS ) that the escrow issues have been resolved or that coverage is paid and adequate.
Consumer complaint received 2022-09-15
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 have accounts on my credit report that i have filed a police report for gave you the report number nothing was done. gave you identity theft affidavit signed by the deputy, but nothing was done. I told you someone made a fake id, and my information was stolen while i was in jail nothing was done. Next, I'm going to file a lawsuit against you for failure to do proper investigation to see I'm telling truth if it's it not permanently deleted off my report immediately. THE CASE NUMBER is XXXX with the XXXX XXXX XXXX XXXX XXXX THEIR NUMBER IS XXXX. THE ACCOUNTS ARE ( XXXX ON XXXX CREDIT LIMIT IS {$600.00} ) ( XXXX XXXXXXXX XXXX XXXX OPENED XXXX XXXX CREDIT LIMIT IS {$5000.00} ) ( XXXXXXXX XXXX-OPENED ON XXXX CREDIT LIMIT IS {$500.00} ) ( XXXX-OPENED ON XXXX CREDIT LIMIT IS {$5000.00} ) along with all the inquiries