davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I have a fraud alert placed on my credit report at all three credit bureaus. I called all three companies to have it removed, as " I did not initiate the alert ''. After two days of speaking with multipul representatives. I still am no closer to a reasonable resolution. XXXX directed me to their website to upload my drivers license and a utilities bill to verify my identity which is great as it is hard to get around. SURPRICE!!!!! the website does not work. XXXX claims they recieved the alert from Equifax, who claims XXXX initiated the fraud alert back on XX/XX/2019 When I inquired as to how these fraud alerts were initiated I was told only I personally could intiate the alert. SURPRICE!!!!!! 
" I did not intiate the alert! ", Hmmm?, I must be sleep walking. I keep my credit reports locked unless I am apply for something. this whole thing seems like a scheme to get you to buy one of their credit monitoring packages. whatever help you can offer is appriciated.
Consumer complaint received 2019-09-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (GA)

Complaint : Citimortgage : negligence in processing of my mortgage application and then changing their reasons for a denial of credit. 

Filed mortgage application XXXX, which was to close on a property at XXXX XXXX XXXX, XXXX XXXX, on XX/XX/XXXX. 

On XX/XX/XXXX, at XXXX XXXX XXXX, I received a call from XXXX XXXX advising me that credit was denied. He stated that it was not me, but that the HMO   apparently was having financial problems. I had been denied access to the financial documents by the HMO because I was not, at that time, an owner of one of their properties. Now I am not disputing the fact that Citimortgage had reason to deny the mortgage application for that reason, but that they charged me {$670.00} for an appraisal when they had documents in their possession from the HMO which indicated that the credit application would be denied. 

The other reason for the denial of credit was that they were unable to verify residence or occupancy. At no time did Citimortgage ask me to verify my address. I could easily have provided them with copies of my lease, and/or utility bills with my address on them. Credit reporting agencies also accept bank statements as proof of address, and they had in their possession multiple bank statements from XXXX XXXX and XXXX XXXX XXXX with my address on them. In addition, they had a copy of my GA XXXX, which also has my address on it. 

I received two letters from Citimortgage regarding this situation. The first, dated XX/XX/2019, mentioned the reasons stated above. The second, dated XX/XX/2019 mentioned only that they were unable to verify my address, which is a lie. They never asked me to verify my address, which I could easily have done.
Consumer complaint received 2024-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

I had my normal student loan payment of {$130.00} due on XX/XX/XXXX. I made my payment in the late evening on XX/XX/XXXX. The next day on XX/XX/XXXX I got my next bill saying I have a past due amount of {$130.00} and my current amount of {$130.00} due on XX/XX/XXXX. I tried to call Mohela on XX/XX/XXXX to discuss this and I could not get through to someone. The automated response said I was 4 days delinquent when my payment is pending. I'm not sure if there's anything you can do but this doesn't seem fair. I made my payment on time.
Consumer complaint received 2022-10-29
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 value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX XXXXXXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 2022-10-29
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. (MO)

My credit lines with XXXXXXXX XXXX have been incorrect since XXXX. The billing history and amounts are not reporting correctly. I made 3 formal complaints for resolution. On my last attempt the agent made a mistake trying to correct the issue and ran 4 new credit inquiries negatively impacting my score. They promised to correct this and it has been more than 30 days with no action taken. This cost me my refinance and has caused undo hardship,
Consumer complaint received 2023-03-08
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. (CA)

This is my follow-up complaint to tell you to verify the misleading report of this account : XXXX XXXX  XXXX .... Balance : {$56.00} The account should be verified since I sent a complaint last XXXX XXXX This time verify the aforementioned account for its errors in reporting.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

When I went to apply to go get my new car they told me I was denied because of credit When I asked to see my credit report I saw things on there that I didn't know anything about. XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, DPT ED/XXXX, XXXX XXXX. These items are still on my report and I need help with this. I have already contacted the FTC and the police.
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 — Information belongs to someone else
Company: DISCOVER BANK (CA)

Some one open an account with information that was stolen. XXXX   was notified on several occasions and it was deleted. XX/XX/XXXX the collection agency resubmitted the same information and it was posted to my credit file. I have sent them this information over and over again I have even submitted the police reports that supports my claim. 


Results Report Number : XXXX Date Generated : XX/XX/XXXX XXXX XXXX XXXX XXXX Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains
Consumer complaint received 2023-02-09
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. (IL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2022-10-30
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. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX DOB : XX/XX/1995 Transunion XXXX XXXX : Arbitration Opt-Out XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , CA XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX I recently purchased a copy of my Transunion credit report through the Transunion online , please use this letter as confirmation that I herby Opt-Out and do not wish to resolve disputes with Transunion through arbitration. 
Again, I reject the arbitration clause in the Transunion interactive service agreement. 

Thank you again for you speedy help with to this matter and noting my account. 

Enclosed is a Copy Of Photo ID for proof of my identity and a piece if mail, bill for proof of my address Please kindly reply to in writing to the Affidavit, as I wish to know by mail that Transunion has received my request and that my demand for Arbitration Opt-Out has been processed and honored. 

I declare under penalty of perjury that this Arbitration Opt-Out demand to Transunion has been prepared for Presentment to Transunion, by me, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-08
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. (TX)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$610.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-20
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: Bridgecrest Acceptance Corporation (GA)

Bridgecrest is not assisting me with several disputes I have emailed and sent via mail. regarding a removal of the late payments on dates of XX/XX/XXXX, XXXX XXXX and XXXX XXXX
Consumer complaint received 2020-06-19
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

I paid off my accounts with USAA bank since XX/XX/2019. They have updated all bureaus still show charge off and but that is incorrect. They had agreed to change the status to " Paid and Satisfied ''. 

I need this resolved to proceed with my federal government security clearance. 

Thanks In Advance XXXX XXXX
Consumer complaint received 2023-03-08
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. (TX)

My credit report contains a significant number of unauthorized requests, as well as some reporting of fraudulent accounts and information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I am requesting you to please remove the following accounts and inroamtion that resulted due to identity theft : XXXX 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 XXXXXXXX, NY XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$3300.00} XXXX XXXXXXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXX XXXX Owed : {$13000.00} XXXX XX/XX/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 XXXXXX/XX/XXXX. I have read that under the Fair Credit Reporting Act section 605, and have the fraudulent accounts and inforamtion removed completely from my Credit File as soon as possible.
Consumer complaint received 2021-12-23
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: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Also, I would like to request your verification of the aforementioned item. If you can not prove the account information to be 100 % precise.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, SC XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2019-09-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

Account was frozen because of fraudulent activity. I filed a claim and was told the funds would be available to transfer or withdraw while we wait on the investigation. Once funds were available I continued to call and get sent to different departments only to tell me we could not remove the funds. Another claim was made because the investigation is causing a financial burden and then I was told I was denied. It has been a month since the investigation claim has been made and we still can not access the funds that are deposited to the account. It is causing a significant financial burden on myself and my family.
Consumer complaint received 2023-02-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (MO)

XX/XX/3 tried to settle a XXXX debt with an attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collecting for Midland Credit managment XXXX who was collecting for XXXX XXXX  I am not working nor do i have savings, my husband offered an settlement on the account and they would not settle prior to a court date of XXXX my hardship is due to XXXX and we offered what we could reasonably afford. they are deliberately trying to sabotage my credit by refusing to negotiate in good faith. I pray you help me get them to accept a reasonable settlement offer on such a low amount owed.
Consumer complaint received 2023-02-08
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: AMERICAN EXPRESS COMPANY (MA)

Dear AMERICAN EXPRESS ; XXXX ; XXXX ; XXXX ; I was shocked when I reviewed my credit report and I still found multiple inaccuracies on the credit report from the XXXX major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I'm quite not what's going on, but I can tell you that this account doesn't belong to me, and also it continues to report incomplete, and multiple inaccuracies on my credit report. It's my understanding that once an account is in charge-off status, it can not continue to report any more payment activity as XXXX days late or a C/O. For example, the dates of XXXX delinquency, dates of last active, etc are all incorrect, and with multiple inaccuracies. Still continue to report multiple inaccuracies and incomplete, unverifiable info! Different dates of XXXX, XXXX, XXXX, questionable balance, and inconsistent payment history and payment status. Delete for still multiple inaccuracies. DELETE!!! 

" CFPB Released a recent report detailing deficiencies of the XXXX major credit reporting agencies : XXXX, XXXX, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to XXXX calendar days to respond. ''
Consumer complaint received 2022-10-30
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)

In XXXX of XXXX, XXXX of XXXX, XXXX of XXXX and XXXX of XXXX I sent certified letters to Experian them that they were in violation of the FCRA and of requisite METRO 2 Complaint reporting standards. I have the right to a fair and accurate report, but Experian is illegally reporting inaccurate false information about me. They have been reporting an alleged account with XXXX XXXX, account # XXXX, on my credit report as a charge off with a past due balance of {$7500.00} and recently changed it to {$16000.00}. As of XX/XX/XXXX, XXXX and XXXX have since DELETED the account after their investigations showed that this account in fact did NOT belong to me and the information was not correct. 
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This false reporting is financially impacting me in the worst way possible and I am prepared to move forward with filing the applicable legal paperwork. I cant proceed with securing financing for XXXX treatment because of this erroneous, inaccurate reporting that I have been fighting for far too long. My attorneys are prepped and ready pending the final outcome of this submittal.