davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled right away : 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 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 2020-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (NY)

In XX/XX/XXXX I booked a trip to XXXX using my American Express Platinum card. I was supposed to leave for XXXX on XX/XX/XXXX. On XX/XX/XXXX travel restrictions were announced to combat COVID-19. Between the announcement of the restrictions and my travel time I made at least 8 calls to American Express to cancel or change my flights. Five of the calls I waited an hour on hold and then was hung up on. Three of the calls a computer said I could enter my phone number and they would call back. I tried to change my flights through XXXX XXXX. XXXX said I had to contact the company where I booked the flight. The time for my outbound flight came and went with no answer from American Express. Between XX/XX/XXXX and XX/XX/XXXX I called 10 more times. Same result, either put on hold for an hour only to be hung up on or told to enter my number and I would receive a call back with no call back. Finally on XX/XX/XXXX someone called back!! I was told that because I didn't cancel or change my trip prior to my flight there was nothing they could do. I explained that I was unable to get through to Amex and XXXX wouldn't let me change it. They said they would open a case to look into it and get back to me within 72 hours. I received an email with an open case number. I received a generic email stating the change/cancelation policy which was useless. My return flight from XXXX is tomorrow. I still don't know if it's cancelled or if I can change it. I don't know the status of my original flight either. I've called Amex a bunch more times. I've been hung up on multiple times ( not by people but by phone trees ). Seems if a company is going to charge a premium for a Platinum card to have better customer service they should at least answer their phones. PS - I also tried Amex 's customer service chat feature. I was told that chat people could not help with on line travel bookings.
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i have an account with back of America, and i think they been increasing all fees on my 2 credit cards now I'm struggling to pay them off i would like to you guys check on my history
Consumer complaint received 2023-07-22
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. (NY)

XXXXHi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: D. SCOTT CARRUTHERS (CA)

There is a company on my credit report showing that I borrowed over {$20000.00} that Ive never had any dealings with. I dont even know anything about this company and have never had an account with them or never signed for or authorized anyone to open an account with this company at any time. It just showed up on my credit report recently showing that an account was opened in 2018. This is not mine. I tried disputing this to no avail. Can you help me?
Consumer complaint received 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-04-04
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)

In XXXX of XXXX I noticed an address in a state I never lived in on my credit report with Transunion. I requested to delete it and it still has not been deleted. I'm worried about fraud. I have never lived in XXXX Iowa. As of today the address is still on my account. I also get asked when any company wants to confirm it's me it states I have a mortgage I took out in XXXX. I rent and I do not have a mortgage. I have noticed inquiries that I dont believe belong to me. However my credit is not the greatest due to lack of credit since I don't use credit cards plus student loan debt so I'm unsure why anyone would want to steal my identity. I am still concerned about identity theft due to address being in another state and Transunion has not deleted it for some reason.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2022-12-28
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I have unauthorized inquiries on my credit report and I been a victim of identity theft. I sent several dispute letters by certified mail and they have failed to delete this. 
XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 I never lived at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX
Consumer complaint received 2020-03-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (MA)

I opened Citi Priority checking and savings account because of the Citi sign-on bonus promotion in XXXX. In XX/XX/XXXX I called Citi and they confirmed that I have met all the requirements for the bonus. 

Shortly after this call, the next time I checked my account online, my savings account no longer exists. Multiple calls ( about 15 of them ) led me to the fraud department with conflicting messages but ultimately told me that the account is blocked and that I can only " wit until the review is done '' for undetermined time. There is no supervisor or anyone with authority in any of the calls who can tell me the reason of the closure and a way to speed up the process because it is being processed by the " back office '' with no possible contact, even by the fraud department. During those calls, no one offered me to do any type of verification process which I believe is the only way to verify and unblock the account. 

At this point, not only I have lost access of my own money which I desperately need, I also have lost the opportunity to earn a higher interest on the money, not to mention the time I spent on the phone with Citi. In addition, because I am in need of the fund, the situation forced me to take a new loan which costs me interest/transaction fee. 

Other customers with similar complaints can be found here ( and also in XXXX  website ) : XXXX : XXXX? XXXX https : XXXX Update as of XX/XX/XXXX : I have made a complaint through XXXX  ( Complaint ID : XXXX ), and the responses from Citi have been very unprofessional and unsatisfactory : 1. The first response was to extend the response deadline for another 14 days.

2. The second response referred me to their original letter and instructions, which I clearly followed until I reached a dead end. This shows that they did not read the original complaint.

This seems like a fraud at two different levels : FALSE ADVERTISING and WRONGFUL ASSET FREEZING. Was the sign-on bonus jus
t a way for Citi to lure customers into putting money in their account, just to freeze it with no proper communication to the customers and with no proper process ( it has been 30+ days since the fund was blocked.
Consumer complaint received 2020-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Called XXXX XXXX XXXX XXXX several times to ask why did three accounts still show potentially negative on my credit when I pulled my eperian credit report after the three accounts were paid in full and never late. Shows account ic closed and paid in full but still says potentially negative.
Consumer complaint received 2020-03-28
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. (NV)

On XX/XX/2020 I sent a dispute letter to Equifax for validation of unverified accounts on my credit report to request an investigation. My letter was signed by notary public acknowledging my driver 's license, and address which affixed to my letter as true and correct. I sent letter certified mail which was received by Equifax on XX/XX/2020. I received a letter back from Equifax who stated that I did not send the correct documents to verify my identity or address. I did send a copy of my Social Security Card along with my valid driver 's license with a copy utility bill with stated address into which they updated my address on my credit file. Equifax did not honor my dispute letter and requested that I send two documents to verify my identity and my address. I wrote a second letter to Equifax on XX/XX/XXXX attaching two documents that they requested to investigate my dispute. The two documents that were sent was a copy of my driver 's license, and a copy of my employer check-stub that had my address on it. I also sent the original notarized letter with my Social Security Card attached. My second letter was also sent certified mail as well which Equifax received on XX/XX/2020. On XX/XX/XXXX, I received yet another letter that Equifax states that they need two documents to continue with my dispute which was the same letter they sent before. At this point not only has it now surpass 30 investigating days. Equifax has violated my right to dispute accounts on my credit report.
Consumer complaint received 2022-12-28
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. 
Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Consumer complaint received 2020-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OR)

With every monthly payment, I pay some extra payment and payment coupon clearly indicates the extra payment should be applied to extra principal. My contract allows me to pay off the loan without any penalty. As far as I can tell, NewRez is " unaplying '' any extra payment. In XX/XX/2020, I paid {$5000.00} toward my monthly payment of {$1300.00}. I had specified in the payment coupon that {$3600.00} to go toward extra principal, {$78.00} toward the escrow shortage NewRez collect. Instead of applying these payments, NewRez " partial payment unapplied '' all the amonths but {$78.00}. According to the XX/XX/2020 statement they reversed all the " unapplied payments '' and indicated I owe {$760.00} toward my XXXX payment. However, in XX/XX/2020, I sent NewRez {$2000.00}. They again " unapplied '' some portions of the payment and charged me {$54.00}. 
I seriously doubt the company is not practicing the proper financial standards and needs to be looked into.
Consumer complaint received 2020-04-04
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: BARCLAYS BANK DELAWARE (NJ)

i can not get thru to barclays this is on my upromise card i made a purchase never got it no response from XXXX i need to dispute it. no one answers emails phone and i understand people are busy but i never got this item. please dispute
Consumer complaint received 2020-04-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

i tried for almost 2 years to modify my mortgage with this bank, if you look up XXXX-XXXX  right now that is the only former complaint i put through cfpb but there were several and the only company that helped me, well on XX/XX/2020 i got a call from the bank telling me they finALLY MODIFIED ME I SAID WOW THAT IS GREAT HOW MUch and it was XXXX i said that is higher than i use to pay so where did you modify me? they kept asking me, WHAT YOU DONT WANT IT, i said i did not say that but i have to see it first another problem is i am stuck in tennesee i came out here and my return flight was cancelled, they only gave me to XX/XX/XXXX to pay, i asked them since this corona i am not getting paid and they should extend it till XXXX, I JUST CANT SEE ALL THIS TIME THEY COULDNT MODIFY IT AND ALL OF A SUDDEN THEY CAN, i also asked what my interest rate was and was told I WOULD NOT BE TOLD THAT UNTIL I PAY THE 3 MONTHS TRIAL RUN THEN I WOULD BE TOLD, i said heck no that is not how it works, i should be told what i will be paying on, and finally, i have a feeling they canceled my homeowners on my home that i have had for over 14 years and if they did that is illegal also, they asked me to raise the dwelling amount which i did within 24 hours and sent it to them showing it was raised and i have proof of it being email to bank and also when they received it,
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (CA)

Hi, I attempted to apply for insurance with XXXX and they mentioned that I had a consumer claim, so I went to investigate and it was a claim under Lexis Nexis company. I asked for my information so I can try to dispute it if its wrong. After searching the information, I found out that my dad signed my name as policy holder for insurance with XXXX XXXX, along with himself, my mom, and my younger sister XXXX. My sister had a car accident in the past, and under Lexis Nexis report, the claim for some reason, is under my name instead of her, so I went ahead and tried to dispute it. 

I sent them an email with screenshots of the claim info and the insurance info and stating that the claim is under my name but it is my sister and her car that are registered under the accident so I would like to dispute. Email was sent around XX/XX/2023. I got an auto reply back mentioning their site and that they have started the record and so on. I then noticed that it asked for other information like my driver license and car information so I went ahead and sent my info again on XX/XX/2023. 

Till today, XX/XX/2023, they still have not replied to me, all I get are auto replies from them when I submit anything and I urgently need them to reply and help me dispute it so I can move ahead and get my car insurance without delays or cancellations due to this claim.