davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (OH)

I have an old account with Citi Bank that is a charge off account on my credit report. They told me that if I wanted the balance to be reported as a XXXX balance that I had to mail in a check to them at their company XXXX XXXX XXXX wait XXXX business days for them to update the balance on the account. I mailed Citi Bank {$1000.00} on XX/XX/2024 and I paid the post office additional money to have them sign for the check, and for a tracking number so I can see when it was delivered. The check was delivered to their XXXX XXXX XXXX XX/XX/XXXX. It has now been XXXX business days and they are reporting that they received the check, but they don't know where the check is. This is extremely confusing. They have a team that is unorganized and unprofessional, there is a communication barrier and just a lack of concern for my situation. I have submitted an overwhelming amount of proof that I sent the payment in, they admitted it was delivered to their XXXX XXXX but they are still not updating the balance to XXXX dollars. I am in the process of buying a home and they are holding up the process and they have no sense of urgency to handle my concern no matter how many times I call. I have disputed this with XXXX multiple times and they have not addressed the situation correctly either and they are not considering the evidence I have presented to them. Citi Bank or XXXX as it shows up on my credit report has the money I sent for my past due balance but they are not updating my balance to XXXX and now they are saying the money is lost and I have to contact their money investigation department via fax instead of letting me speak to them on the phone or just letting me cancel the check and pay over the phone to get this over with. Citi bank has an outsourced customer service team that are in another country and the customer service experience is terrible. They are cold, harsh and unprofessional. I haven't seen any compassion or concern each time I called. It's like they know they are keeping my credit score from rising and intentionally stringing me along even though I paid the account.
Consumer complaint received 2021-10-01
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. (TN)

Upon return from Military XXXX, I was made aware of an outstanding debt with XXXX XXXX, a cable service provider I had service with, in XXXX TN. I contacted them and made payment in full on XXXX XX/XX/2021. Receipt provided showing the correct date. The following month I noticed XXXX XXXX XXXX ( XXXX  ), a collection agency for XXXX XXXX, was erroneously reporting incorrect information to my personal credit file. I have disputed this account multiple times with all three credit bureaus and XXXX has failed in correcting the erroneous information. Since XXXX continues to tarnish my financial reputation with erroneous data and cant seem to get it right after multiple investigations resulting in them stating data is validated, I demand deletion of this account and request your assistance in ensuring this action takes place. Thanks.
Consumer complaint received 2019-09-06
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 — Problem with personal statement of dispute
Company: GREAT LAKES (IN)

XX/XX/2019 I received in the mail my background check documents and it says I was denied access to the Great Lakes facility XXXX mi but I didnt get any explanation too why. I have 1 XXXX   XXXX on my record and its over 10 years old. From my understanding they only hold u accountable for 7 years back on your record I have no other XXXX XXXX on my record i have 1 open operating case which is a XXXX but its not closed I never been convicted.I just need a explanation as to why I got denied I have XXXX   card I have passport Ive passed disa background check so Im able too get into 95 % of the facilities in the country Ive been all over for the pass 10 years this the first time Ive been denied thats why Im confused but Id appreciate it if I could get some answers soon thanks. My name : XXXX XXXX XXXX
Consumer complaint received 2021-10-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (WA)

I purchased the prepaid maintenance package along with my brand new car. I was told it would include all types of maintenance including brake pads, timing belt etc by the finance manager XXXX. He declined to provide a pamphlet detailing the package when I requested it. Since I had been waiting for over 3 hours at the dealership, I fell for his sales tactic and bought it ~ {$1900.00}. I went home the same night and researched the package and found out XXXX misrepresented the package to make a sale, it only includes oil change & tire rotation. Anyway I went back to the dealership on XX/XX/2021 and canceled the purchase and requested a refund. I was told by XXXX the purchase amount ~ {$1900.00} would be removed from My loan principal but its been 2 months and its accruing interests and they still wont remove it from my loan. Contacted both Hyundai finance ( 4 emails, calls directly to Hyundai finance ) and the dealership ( over 5 emails and in person visit ) and no one would help. Please help me to get my refund and interests accrued removed from my loan
Consumer complaint received 2021-10-01
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. (TX)

Equifax is showing a collection account listed with the comment MEDICAL, status paid without any real identifying information to allow contact with the agency to request removal or dispute. The inclusion of this " medical '' debt is causing undue harm to my credit report score and profile to lenders. I had insurance in XXXX  so I am unsure how this medical collection came to be on my credit report without giving me the opportunity to dispute. 

As a goodwill due to the sensitive nature of healthcare costs, I believe once a " medical '' account is listed as paid it should be deleted from the credit report to remove any discrimination in credit lending due to the medical collection.
Consumer complaint received 2021-10-01
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. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX
Consumer complaint received 2021-10-01
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: EQUIFAX, INC. (MS)

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is effecting my chances of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The inquiry date is ] XX/XX/2020. The bureau reporting is Equifax. Thank you!
Consumer complaint received 2021-10-01
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. (TN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-11-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Equifax ; XXXX and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$24000.00} on XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and needs to report a {$0.00} balance. I have attached a copy of the settlement letter dated XX/XX/2019 from XXXX. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

Bank 's response of XX/XX/XXXX, did not address the issue of my complaint but fraudulently claimed that information was not " eligible '' which questions then why their fax can not get proper quality of documents faxed???
Consumer complaint received 2021-10-01
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. (TN)

On XX/XX/XXXX, I XXXX XXXX notified TransUnion on the violation on my consumer report. On XX/XX/XXXX Transunion responded, and they have failed to answer any and all questions that was present to them. TransUnion have avoided the whole Affidavit of Truth. This is a Notice f Default and Opportunity to cure. You are hereby again put on Notice of my standing and the lawful facts. If you fail to respond to the aforesaid Notices in substance or within the reasonable time frame provided herein, without first legally rebutting the points of law claimed herein or within previous Notice ( s ) served, it shall be taken to mean by all interested parties that all claims and assertions stated by me herein/therein are true and indisputable lawful facts and, that you agree to them entirely and without exception. It will also be taken to mean that any further action taken against myself as a living nature person and or, against the fraudulently created 'legal fiction ', shall be taken to mean by all interested parties to be harassment, demanding monies with menaces and coercion to aid and abet crime at common law.
Consumer complaint received 2021-10-01
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. (NY)

On XX/XX/XXXX I sent a certified letter, tracking # XXXX XXXX XXXX XXXX XXXX ), a notarized affidavit and a copy of my photo ID to Transunion that was received by them on XX/XX/XXXX. I notified them letting them know that these accounts were not mine but they never responded. Because Transunion did not respond. I later sent another certified letter, notarized affidavit, FTC Report XXXX, copy of my credit report and my photo id by certified mail XXXX XXXX XXXX XXXX XXXX that was delivered, XX/XX/XXXX, XXXX XXXX in XXXX, XXXX On both occasions Transunion was notified and sent all the documents they needed, and they still ignored me. Therefore, TransUnion violated the FCRA in pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft I did make this FTC report XXXX I did not receive goods and services, so the FTC and identity block is valid. I sent them everything and it's be more than 30 days now.
Consumer complaint received 2019-12-12
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)

To: Whom It May concern:I am writing to dispute a fraudulent charge on my account in the amount of $XXXXI am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Act’s amendments to the Truth in Lending Act, 15 U.S.C. §§ 1666-1666b, 12 C.F.R §226.13. See Also 12 C.F.R § 226.12(b)-- COLLECTION ACCOUNT –1. XXXX XXXX XXXX with ACCT #XXXXXXXXXXXXXXX opened on XX/XX/2015 with a credit limit of $XXXX-This is not my account.
Consumer complaint received 2019-09-06
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. (GA)

I am a victim of identity theft. I have been getting calls and letters for credit accounts that I did not authorize. Some criminal has used my personal information to open credit accounts that I did not authorize. To open these fraudulent accounts banks accessed my credit profile and created unauthorized inquiries on my credit report that further defiles my credit profile. This criminal activity has caused me and my family extreme anguish as we try to rectify this situation.
Consumer complaint received 2019-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I entered into my bill pay at Bank of America the following payments : XXXX XXXX, TX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Bank of America misdirected the payments to XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-10-01
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: Vanguard Financial Services, Inc. (WV)

Vanguard Financial Services continues to attempt to collect a debt that was accrued in XX/XX/2013. I was a college student at the time and did not have medical coverage. I ended up in the emergency room with XXXX XXXX XXXX, and I was not able to pay the debt. It has since passed 7 years, and XXXX XXXX will not remove it because Vanguard keeps refreshing the date of submission to make the account look newer than it is.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
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 2021-10-01
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. (NV)

This will make my third time having to file a complaint on all three bureaus they report back to the CFPB that its being worked on and its not actually being worked on a follow up with phone calls I keep getting people from overseas dont understand English and then when I do get a hold of them then they take me through like Im not the one here being exiled for someone using my identity, So as I have spoken with a supervisor at all three credit bureaus XXXX , Equifax , XXXX and they all have ask that the FTC affidavit be attached with the email from the police report saying that it was approved as well as my drivers license and my social and proof of residence I have attach these items to this after sending it in for the third time I hope this is what youre looking for. Most of the items of The items have been removed America first closed account is on a police report it needs to be removed immediately as well as a XXXX XXXX for {$1100.00} that is to be removed immediately this is what was discussed it all three are documented in my account but this is all that they were waiting on to have these items removed blocked delete it thank you for your time. I have attached all of the items that were sent to each individual credit bureau three days ago will sign confirmation cards that they have been delivered.
Consumer complaint received 2019-09-06
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 are incorrectly reporting a collection of {$5000.00} on XXXX XXXX XXXX partial account number XXXX. ( Please see page 12 of the attached credit reports. ) In XXXX, XXXX my fathers basement flooded. I have attached copies of the revised claim dated XXXX. I had power of attorney and when the basement of his home flooded I signed the documents on his behalf. ( Please see attached. ) This account belongs to my now deceased father, who has since passed away. XXXX XXXX XXXX XXXX XXXX Colorado sent Invoice Number XXXX, dated XXXX in the amount of {$5900.00}. ( Please see attached. ) XXXX distributed several checks via electronic funds in the amount of {$600.00} on XXXX ; {$2500.00} on XXXX ; {$2800.00} on XXXX, and {$99000.00} on XXXX. ( Please see attached. ) The total dollar amount of checks that were distributed from XXXX was {$7000.00}. These insurance reimbursement checks covered more than the balance due and therefore there is no outstanding balance to collect. In addition, as I stated above, this account does not belong to me. This incorrect reporting of a collection on my credit report is harming my credit score.  These line items need to be removed from my credit report.
Consumer complaint received 2021-10-01
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. (OR)

Equifax continues to put a credit card, XXXX XXXX XXXX, used by my father on my credit report. We have the same name, but he is a Sr and I am a Jr. I do not use this card and am not on the account in any way. 

I have requested via their one process that they make this correction and remove it from my profile, since our date of birth and social security numbers are different, but they refuse. I am not a user or on this account in any form. 

As a result of their inaccurate information, my credit score with them is lower.
Consumer complaint received 2019-07-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (KY)

I have received 5 calls today from Synchrony Bank, the credit card comply for Gap. XXXX and 3 calls from the number XXXX called me three times yesterday. They do not leave voicemails, just call again and again. This has got to stop!
Consumer complaint received 2021-10-01
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. (MN)

On XXXX I sent a letter regarding unfamiliar and wrong information on my credit profile, I still over 45 days later have NOT received a response yet! Im obviously being taken advantage of and my disputes are being ignored. According to SECTION 611 ( a ), a failure to investigate these items within 30 days give legitimate reason to immediately remove those items from my credit profile it has been well over 45 days so they should be deleted right away. I demand these accounts be deleted immediately or I will file for litigation due to the frustration, confusion, and stress you caused me. My information was also impacted by the equifax data breach and someone may have gained access to my information.
Consumer complaint received 2021-10-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Dates : A few dates I cant see because I cant access my account. 
Bank Amounts : Should be totaling $ XXXX {$14000.00} Actions : My bank locked me out of my account because two friends of mine who even offered to come into the branch to clarify the situation sent me bank transfers regarding clothing business matters and rent since we all live together and they refuse to release the money to me so I can take cause of my bills. They are trying to also tell me I have to wait till XX/XX/XXXX to see any of my money when I dont have any right now at the moment. 
Company in Question : Bank of America, N.A.