davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-13
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. (VA)

The credit bureaus never did a proper investigation according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews 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 item of information. 

They did not do this. 

In accordance with the Fair Credit Reporting everything must be 100 % accurate on my report. 

The credit bureaus stated my account was properly investigated, but how is that so when the bureaus nor the collection agency provided me with the necessary information I requested proofing to me that I owe the alleged debt. 

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

15 U.S.C 1681 section 602 A. Section 2. States that a consumer reporting agency can not furnish an account without my written instructions I have not given my written or verbal instructions.
Consumer complaint received 2020-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I found out that there are accounts and credit inquiries on my credit report that do not belong to me ; I found out today XX/XX/20 because I was denied from getting a XXXX  XXXX credit card. The accounts and inquiries that do not belong to me were opened without my permission. I do not have any contract or relationship with any of those companies and I never gave them permission to run my credit. I did not benefit anything from these accounts and inquiries that were opened in my name nor did I ever make any payments towards any of those accounts. I still don't know who opened those accounts in my name but I have filed a police report to the best of my knowledge regarding all of these suspicious accounts and inquiries.
Consumer complaint received 2020-04-10
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. (OH)

I opened 2 disputes with Citi Card on XX/XX/2020. A hotel reservation was made for 2 rooms on XX/XX/2020 for an arrival date of XX/XX/2020. On XX/XX/2020 I inquired about canceling the reservation with XXXX. XXXX reached out to the hotel directly and told me that they agreed to refund the money without conditions. I realize that this is odd wording, but the official policy was that the merchant would keep the first night 's charge. I asked clarifying questions and the XXXX agent told me that the merchant had already started processing the refund and I'd receive it back in 48-72 hours. On XXXX, after XXXX told me I should, I opened a dispute with Citi Card. When I opened my dispute with Citi Card, I conferenced in a supervisor from XXXX who told the agent that the hotel had agreed to refund the full amount without conditions. Citi Card has this recorded call and has refused to provide it to me ( after agreeing to on XX/XX/2020 ) for a small claims case against XXXX. On XX/XX/2020 I was notified on Citi 's app that they found in favor of the merchant without any supporting documentation. On XX/XX/2020 Citi agreed to request an audio copy of my recording when I opened the case and the agent told me that I'd receive a call back from the investigator in 7-10 business days. This did not happen. I provided ample evidence ; all that could reasonably be available considering the case. All calls from XX/XX/2020 forward have been done on our business line due to built in call recording. The call from Citi on XX/XX/2020 is attached. Relevant information begins at XXXX. The agent agreed that the recording from XXXX exists and that they agreed that I would be issued a refund and that I could be provided a copy of that recording. On XXXX I received 2 letters from Citi explaining why they found in favor of the merchant. It said we were a no-show. I provided proof that we cancelled 3 days prior to the date of the reservation ( proof attached ). On XX/XX/2020 I was first made aware that Citi found in the merchants favor for a second time. I called and spoke to a representative that would not tell me why the 2 disputes had different statuses. He told me investigators do not have access to recordings. I asked to speak to a supervisor and said none were available and disconnected the call. I am disgusted at Citi 's handling of the entire process. Citi did not make a good faith effort to accurately or fairly resolve my complaint.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (GA)

On or about XX/XX/year>, my wife and I noticed several charges we did not immediately recognize on my American Express Green and Gold cards, which coincided with the timeframe of me losing my wallet. We were very concerned, and proceed to contact Amex support by phone, who advised cancelling the cards and that we would be able to reinstate shortly after. However, upon trying to reinstate, I am now being told that there is no option to reinstate whatsoever. I have achieved XXXX reward points on one card, and was on track to receive XXXX reward points on the other, that I am now being told are permanently lost and there is no recourse available to me.
Consumer complaint received 2022-12-29
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. (TX)

I submitted a letter to the 3 Credit Bureaus to remove this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-09-05
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: OneMain Finance Corporation (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX a subsidiary of XXXX XXXX mishandling of customer account XXXX XXXX has done damage to my credit that resulted in drastic decrease of my credit score in time when I need to refinance my home. It was done under sketchy circumstances, yet they will still not honor their agreement to help rectify the situation. 

Sequence of events that transpired during this event Below are  files that speak to the facts. 

In late XXXX I made a two-month payment on XXXX account, and the following weekend decided to trade up for XXXX. The amount was {$2100.00} paid on XX/XX/XXXX. 
Payoff quote that customers can generate in XXXX XXXX portal did not reflect this payment even weeks later. XXXX manager and I worked with the assumption that the payoff is as stated in XXXX portal : {$49000.00} On XX/XX/XXXX the deal with XXXX was finalized, and the manager told me the great news ; as XXXX was working with XXXX on balance, they discovered the pay-off was lower {$47000.00} as reflected in the purchase agreement. Something to the fact that dealer pay-off is typically less than customer pay-off, but the difference above considers with my XXXX payment. 
In mid-XXXX I did receive a check for the difference : {$49000.00} ( XXXX balance ) - {$2100.00} ( my XXXX payment ) = {$47000.00} ( Payoff amount confirmed via dealer payoff ) XXXX contract due to XXXX {$47000.00} ( Trade-in balance on XXXX purchase order ) - {$47000.00} ( paid to XXXX ) = {$100.00} ( overpayment for which I received a check for ) Subsequently XXXX XXXX account was closed Between XX/XX/XXXX and XX/XX/XXXX Equifax, XXXX. 
In XX/XX/XXXX and XX/XX/XXXX, I kept getting calls from XXXX about late payment, but considered it to be out of sync systems, and took no action until the late payment was reported to me via mortgage lender, I was negotiating home refinance with. 
Somehow XXXX has reopened my account : Between XX/XX/XXXX and XX/XX/XXXX, your XXXX XXXX XXXX automotive account balance increased by {$2100.00} from {$0.00} to {$2100.00}. 
This resulted in even more negative effect on my credit score as the amount I owe increased during the time I was refinancing my home, and the lender of my choice pulled out. 
I reached out to XXXX via XXXX XXXX portal messaging, then talked to their rep, they told me there was discrepancy in pay off amount and that I need to work with XXXX to provide additional payment and when done they will remove derogatory remarks from my credit report. 
I did all this ; XXXX provided the additional payment XXXX had requested and when I reached out to XXXX again asking for the removal of derogatory remarks, they responded with a canned reply that I should send in a written request to them for rectify the issue. 
I grew tired of dealing with this and decided to pursue other actions to raise awareness of misconduct on XXXX XXXX part and what they do to their once loyal customers.
Consumer complaint received 2021-09-05
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: National Credit Adjusters, LLC (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.
Consumer complaint received 2020-04-10
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. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OR)

i have disputed this error for almost a year. 
The account is being reported incorrectly. They state they got the information from XXXX which is frozen and can not release any information without my approval. 

The courts also stated they did not release this information to the bureaus so theyre stating they verified this. but they could not have verified anything.
Consumer complaint received 2021-03-17
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. (CA)

There are three accounts on my credit report that are not mine I have reached out to the bureaus regarding this but have received nothing back I need these gone from my account they are not mine I have not signed for them and have not used these. 

Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX/XXXX  XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2020-04-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

XXXX  and Experian should not be reporting a collection in the amount of {$7000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This collection is totally unsubstantiated and there is no documentation to show this account belongs to me. I spoke directly with the manager of XXXX XXXX XXXX several times and we discussed the fact that I do not have an outstanding balance due. The manager said that my file has been locked up for the past ( 3 ) years and that he has no access to the file. I have repeatedly requested they  provide me with documentation to support their claim that I owe this sum of money. They are unwilling to provide me any further information because there is no information to provide. It is against the law to falsely claim someone owes money when the company requesting the money has no documentation and/or evidence to prove who the account actually belongs to. This false reporting of a collection/chargeoff, that does not belong to me, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-12-29
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high- risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-31
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (MI)

During the Covid19 epidemic, my loan company caliber home loans ( https : //caliberhomeloans.com ) is offering what they call a forbearance plan. ( https : //caliberhomeloans.com/tools-resources/faqs ). 

They are allowing a temporary deferment on your payments for a couple months, but then the whole sum payment of what was deferred is due in full at the end of the forbearance. 
If we are being mandated not to work this helps us in no way but driving us further into debt and ruin. I know other mortgage companies out there are allowing the life of the loan to be extended without penalty because of the crisis we are facing. 

I am issuing this complaint in hopes that your organization has a higher authority to help bring a sensible justice for us locked into a bad situation.
Consumer complaint received 2020-03-31
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: Experian Information Solutions Inc. (GA)

On XX/XX/2020, I sent a letter certified to XXXX, Experian, and XXXX  disputing similar incorrect and unverified item on my report. I requested the signed application that the creditor is saying I signed. I clearly have a message on my credit report that states new accounts can not be opened without a phone call to me to verify that I submitted the application. It has been over 30 days and XXXX, Experian, and XXXX  have violated the FCRA by : Failing to notify a creditor that I disputed the inquiry that it has been reported Failing to notify a creditor that I disputed the validity of the account Failing to conduct a reasonable investigation of my pending disputes Failing to correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your dispute.
Consumer complaint received 2024-03-18
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. (IL)

I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt
Consumer complaint received 2021-10-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (IA)

HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH CREDIT COLLECTION SERVICES. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Dear Experian, XX/XX/1920 After looking at my credit report, I noticed errors with my personal information. Listed below are the problems with my personal data : Incorrect Address XXXX XXXX XXXX XXXX, FL XXXX Please delete it Incorrect Address XXXX XXXX XXXX XXXX, FL XXXX please delete it Please correct my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Incorrect name XXXX XXXX Please delete it Please update my correct name XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-31
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Angel Oak Mortgage Solutions LLC (CA)

I have a loan estimate and my rate lock expires on XX/XX/2020. I qualify for the loan and have been approved by the lender. There were two conditions, both of which have been satisfied and documented with the lender. I have incurred {$700.00} in costs related to applying for this loan ( appraisal and follow up appraisal ). The lender even went so far as to make itself the beneficiary of my homeowner 's policy. 

The lender is now refusing to set a closing date and says they will not fund this loan, because of the Coronavirus. I want to know if the loan estimate is binding, provided that I still qualify based on the same criteria upon which I qualified when I originally applied. 

Furthermore, I want a refund of my fees if the lender is now refusing to fund the loan. Yes, the appraisals were done, but of course I would not pay for an appraisal unless I had already been approved by the lender and it was a requirement for closing the loan. Are they responsible for those costs?