davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-05
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. (AR)

Please be advised this is my 2nd attempt in trying to resolve this matter. Experian claimed my recent complaint was not specific enough in regards to the fraudulent accounts despite the fact they have received SEVERAL dispute letters listing the fraudulent related accounts. Accounts related from identity theft are 1.  XXXX # XXXX, 2. XXXX XXXX # XXXX, 3. XXXX XXXX XXXX # XXXX, 4. XXXX XXXX # XXXX, 5. # XXXX XXXX # XXXX # 6. XXXX, XXXX  # XXXX. Over the past several months I have been going back and forth with all three of the major consumer reporting agencies through direct mail and via phone regarding items appearing on my credit file. I have sent dispute letters along with other correspondence in regards to my identity being compromised which ultimately has lead to fraudulent accounts being created under my name. It has been over 30 days of my most recent dispute which included an identity theft report from the Federal Trade Commission. The FTC Report included some of the accounts in question due to being established through identity theft. I also requested that several fraudulent addresses or other personal information to be removed from my credit file which neither has been updated. I am aware the Credit Bureaus have 30 Days to investigate and most remove disputed fraudulent items if accurate verification can not be completed. At this point my consumer rights have been violated under the Fair Credit Reporting Act Section 605b, 609, and 611 and Experian has not provided me with any type of documentation supporting anything. I am also aware of the automated data furnisher or e-Oscar verification pacer system which is not considered accurate verification when it comes to identity theft.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Recently I looked at a copy of my credit report and noticed XXXX  inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account info Account name XXXX XXXX Account number XXXX
Consumer complaint received 2020-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, I placed an order to redeem my Citi Thankyou points for cash rewards. I redeemed {$1000.00} total. The Order ID for Citi is XXXX ( {$1000.00} ) and XXXX ( {$50.00} ). On XX/XX/XXXX, I received email from Citi that the reward has been shipped via USPS. However, it has been 9 days and there has been no information regarding its whereabouts. There is no tracking, no updates, nothing. USPS should have delivered the package well within 9 days. I tried calling Citi in its posted customer service number for Thank you points - XXXX XXXX XXXX XXXX. However, despite calling multiple times during business hours, the automated system says that they are closed and hung up the calls. I am very frustrated I need this money desperately during these hard times and there is absolutely no response from Citi. I fear that someone may have already intercepted the mail and cashed the checks and there is nothing Citi is doing to help.
Consumer complaint received 2020-04-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

XX/XX/XXXX : Attend a physician Due to a billing inconsistency {$250.00} Correct that issue on multiple occasions with both the supplier and insurer.

Believe corrected. 
XX/XX/XXXX get multiple credit alerts, credit scored has dropped from XXXX to XXXX with a collection against my credit reporting. 
XX/XX/XXXX online protest to XXXX  dispute file # XXXX XX/XX/XXXX online protest to XXXX   dispute # XXXX Equifax unable to contact online or by phone. 
XX/XX/XXXX Original biller issues another letter stating {$0.00} balance. 
Unable to go online to XXXX  or XXXX  to add letter to dispute. Unable to contact by phone. 
Still unable to get anyone at Equifax. 

How can the credit agencies have zero control measures to ensure collections reported are correct and then provide zero opportunity for the consumer to correct.
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MA)

We are business owners, we bought AMEX Pre Paid Gift Cards and had been buying for a few years. 
This is from a batch we bought in XX/XX/XXXX, at least XXXX of the cards were used before being given out to employees or clients. 
One example is card # XXXX for {$100.00} was in our possession till the first week of XX/XX/XXXX, when a client tried to use it only had {$10.00} left and had a couple of transactions from XX/XX/XXXX in California, we are based in MA. 
There is no number to call AMEX XXXX department, we have to call the number on the back of the card and that takes us to call ctr in the XXXX and they don't understand that it is fraud and they go by the script, I have tried to talk to a XXXX but with no luck. 
We still have some cards from that batch and we are embarrassed to give it out.
Consumer complaint received 2022-12-28
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (IL)

The referenced lease was obtained using the attached fraudulently signed document. The signatures on the attached document ARE NOT my own. Ally is abundantly aware that this lease was obtained by the dealership submitting fraudulent documents. To be 100 % clear, this complaint is in no way related to any previous complaint and requires a response other than " we already looked into it - nothing to see here ''.
Consumer complaint received 2024-08-15
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. (NY)

I am filing this complaint due to inaccurate late payment records for account XXXX  ( XXXX  ) on my credit report, despite my consistent fulfillment of obligations. My multiple disputes have only led to the account being 'validated ' without any certified proof of default. This situation clearly violates several laws : the company has failed to conduct a reasonable investigation into disputed information, as required by 15 USC 1681i ( 5 ) ; the misleading and inaccurate data breaches the FCRAs requirement for fair and accurate reporting under 15 USC 1681 ( a ) ; the company has furnished information to a credit reporting agency without my written consent, violating 15 USC 1681s-2 ( a ) ( 2 ) ; and the creditor has treated payments as late without ensuring that each periodic statement is mailed or delivered within the 14-day timeframe mandated by 15 USC 1666b. I demand immediate correction of these inaccuracies and strict compliance with the legal requirements.
Consumer complaint received 2020-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (NC)

Like most consumers we are impacted by Covid 19. On XX/XX/XXXX I contacted American Express regarding our three accounts. I was assured that we would not be counted late and did not have to make a payment. 

On XX/XX/XXXX I received notice that a charge had declined BECAUSE WE WERE LATE. On XX/XX/XXXX at XXXX I contacted Amex via their online chat feature and over the course of four reps via chat and three more on the phone, I was told that a ) we aren't late b ) we are late c ) we're only INTERNALLY late d ) the protection plan was only added to one of our cards e ) the protection plan was added to all of our cards f ) we can't use our cards while under the protection program g ) we CAN use our cards, but only if they approve h ) there's nothing wrong with our cards i ) " it's not my problem, credit should have fixed this for you '' ( I was literally just told that by someone in customer service ) The truth is, they totally dropped the ball. We had to make our regular payment in order to use the cards ( our recurring business software subscriptions are all on those cards ). 

The treatment at the hands of the CS reps was so egregious I'm on the phone holding for the escalation department because several need to be FIRED. 

There's apparently zero consumer protection during a crisis.
Consumer complaint received 2020-03-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (VA)

In XXXX of XXXX my wife and I contacted Bayview Loan Servicing for a loan modification to our loan payments. That request was denied in XXXX of XXXX stating that our debt to income ratio was to high. 

However Bayview instituted a repayment plan that went into affect in XXXX of XXXX which increased our monthly payment from {$1500.00} per month to {$1900.00} Due to my wife 's illness and diagnosis which began in XXXX and stills continues to now I contacted them in XXXX of XXXX to get some relief with our mortgage payment and they agreed to a one-time payment of {$1700.00}. 

I contacted them today, XX/XX/XXXX for some help and was told that there was nothing that they could do. If we had a COVID 19 situation, they would consider a ( 3 ) month forebarence but after the ( 3 ) months all payments would need to be caught up. 

This company represents investors only and as far I've expericiend they have not done anything to help me and my wife,
Consumer complaint received 2020-03-26
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. (NV)

Trans Union/XXXX  is reporting incorrect information on my credit profile, I have attempted several times to have the information updated and removed and have not been able to be successful. 
There is a collections account XXXX XXXX XXXX showing a open date of XX/XX/2020. This is fraudulent and needs to be removed. 
There is a incorrect Bankruptcy reporting in my public record section that is incorrect. I have reached out to the court and I am unsuccessful with assistance due to them not having any information for me. Trans Union keeps advising they verified the information but is not providing me with proof of the verified information. This needs to be remove from my file. 

XXXX  is reporting the following incorrect information : There is a incorrect Bankruptcy reporting in my public record section that is incorrect. I have reached out to the court and I am unsuccessful with assistance due to them not having any information for me. Trans Union keeps advising they verified the information but is not providing me with proof of the verified information. This needs to be remove from my file. 

XXXX is also reporting an incorrect collection that previously was advised was removed but is still reporting for XXXX XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LCI Acquisition Inc. (TX)

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against XXXX concerning the inaccurate reporting of negative claims on my consumer credit profile. I am deeply concerned about the accuracy and integrity of their reporting practices, as certain claims have been inadequately or un-demonstratedly asserted. 

My primary concerns are as follows : XXXX. Bankruptcy Reporting Discrepancy : After disputing the bankruptcy appearing on my credit report, LCI asserted that the information is accurate. I find this assertion questionable, as the court, the source of this information, explicitly stated in a letter ( attached herewith ) that they do not report any information to credit reporting agencies. The failure of LCI to validate this information with the source compromises the integrity of their reporting. 

XXXX. Privacy Act Violation : In accordance with the Privacy Act of 1974 XXXX ( XXXX ), no agency, including LCI, is allowed to disclose any record, such as bankruptcy information, contained in a system of records to any person or another agency ( XXXX, XXXX, or XXXX ) without the written request or prior written consent of the individual to whom the record pertains. I, XXXX XXXX, did not provide consent to LCI or any other agency to collect or share my personal information with XXXX, XXXX, or XXXX. I request the immediate deletion of this erroneous information from XXXX XXXX 's system and from all associated credit reporting agencies. 

I kindly request the Consumer Financial Protection Bureau to investigate these matters thoroughly and take appropriate action to ensure that LCI adheres to fair and accurate reporting practices. I believe that a resolution to these issues will not only rectify the inaccuracies in my credit profile but will also contribute to maintaining the integrity of the credit reporting system. 

Enclosed with this complaint, please find supporting documentation, including the letter from the court explicitly stating their non-reporting policy. 

Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will handle this complaint with the diligence and seriousness it deserves. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name : XXXX XXXX Account XXXX XXXX
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Today, XX/XX/2023 I was denied insurance based on information from XXXX, Transunion, and XXXX. When I called the insurance underwriting division, I spoke to XXXX at XXXX XXXX XXXX. He refused to give me specific information they used against me. I began to contact the Three listed companies. XXXX helped me rapidly and I was able to obtain my score and report. Transunion refused to offer me my free credit report. I spoke with XXXX. See attached conversation. She refused to respond after I demanded the free report. I have not given Transunion permission to obtain my credit information and I would like all of my information removed from their platform
Consumer complaint received 2024-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I just obtained a copy of my credit reports and it shows unauthorized and fraudulent inquiries. 

Please see the copy of my dispute letters attached on this complaint The said inquiries are still showing on my credit report and it seems Bureau is ignoring my concern
Consumer complaint received 2020-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc. (NY)

I requested my annual credit report from SageStream via their own website and uploaded my valid New York State driver 's license that has all of my current information on it as instructed. Instead of my credit report, I received a letter from SageStream dated XX/XX/2020 advising that my valid New York State driver 's license with my current information was not acceptable as SageStream was unable to verify my identity. This same letter requests that I forward my valid New York State driver 's license with my current information. I am filing this complaint because I have already submitted all required information and documentation and want a copy of my credit report to ensure there isn't fraudulent activity occurring.
Consumer complaint received 2024-02-29
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (MD)

I am behind on my truck payment due to other issues. When I called them for payment arrangement they advised me of a deferment. When I check my account days went by and nothing ever changed. I messaged them they said due to Im going through XXXX XXXX XXXX I can not have a Deferment or any payment arrangement assistance. XXXX XXXX XXXX was for my credit card and has nothing to do with my truck payment so Im not sure why it is effecting assistance on that and why they never notified me that my request was denied.
Consumer complaint received 2020-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ID Analytics, Inc. (OR)

I went to buy a car on XX/XX/2020 and the dealership ran a credit check with XXXX XXXX. XXXX XXXX ran my credit score and XXXX  had me at XXXX and Sage Stream, LLC. had me at XXXX. 

I researched and read reviews online and I found that Sage Stream, LLC. wants personal information to dispute and I don't want to give it to them if they are a fraud company, so I figured I would file a complaint with the Consumer Financial Protection Bureau to protect myself first. 

There is no way they can be on an island of their own over 300 points away from the other reporting agencies, I don't understand how they can be a reporting agency if this is what they are doing. Regardless, please look into this company because several others on XXXX XXXX at the link I have provided ( XXXX XXXX XXXXXXXX ) seem to have the exact same scores, so Sage Stream, LLC. just gives the same score to everyone.
Consumer complaint received 2020-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc. (NJ)

To whom it may concern, In XX/XX/2020, the NJ XXXX toll collection system sent two tolls to the collection company, Professional Account Management. I provided the proof that the infractions were paid that same month via the XXXX payment system. These tolls were in my wifes name. 

On XX/XX/2020, they sent another collection notice to me, in my name, for the exact same toll violations, same number, same date, etc. The fact that I proved they were paid, and then they tried to go after me, who is not even on the account, but lives at the same address, is complete fraud. Never mind the tolls were paid from day 1 and should never been sent to collections. These tolls have been resolved by the original debtor as well. XXXX shows my account in good order with no late payments. 

Attached is the collection letter addressed to my wife, proof of previous payment and the recent collection attempt in my name.
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: LEXISNEXIS (PA)

In response to the letter I received on XX/XX/2020, Case # XXXX, Consumer # XXXX. I requested a description of the procedure used to determine the accuracy and completeness of a disputed bankruptcy on my consumer report. I have not gotten a response from Lexis Nexis. I was told over the phone that they get the information directly from the courts. I have received a letter from the bankruptcy court confirming they do not give out personal information to 3rd parties. I asked that they verify that it is in fact my bankruptcy and they failed to do so. The bankruptcy remains on my consumer report as incomplete and inaccurate information. They failed to verify my full name, full social security number, amount of debt in the bankruptcy and my full address associated with this bankruptcy. Because of this inaccurate and incomplete information being reported the credit bureaus are reporting it because they get this information from Lexis Nexis. I am attaching a letter from Bankruptcy court supporting my issue.
Consumer complaint received 2020-04-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have tried to get my old information removed to it being over the time limit to stay on my report. This is the only thing from holding me up on getting a home loan. I have tried on several occasions to have it removed with no success. The account Number is XXXX
Consumer complaint received 2022-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (NV)

This account is now listed on my consumer reports as a charge off. It is illegal to post income on my consumer report, and a charge off is considered income by the IRS, and an institution can not report something as both income and debt..so why is income being reported on my consumer report? I know that a 1099-C had to be filed, and I never received a copy of it. 

Violations noted in my letter ( see attachment that was mailed XX/XX/2022 without response from the company ) : 15 USC 1601 ( a ) 15 USC 1602 ( k ).

15 USC 1602 ( p ).

15 USC 1681b ( a ) ( 2 ).
Consumer complaint received 2020-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

Discover closed my credit card account XX/XX/20. They stated that I hadn't used the account in 6 months. I called and emailed Discover and asked them to reconsider their decision. Haven't gotten a reply. I have used this card in the past and was never late on payment.This closing of my account will most likely effect my credit score. Which is something that may effect other accounts.