davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have never been late in any of my payments for the past 11 years. I made a payment but for some reason it did not reflect suddenly I get a 120 days late on my credit report. I paid off the entire loans. We are in COVID and working with a lender to save a minority owned business and this incorrect information is ruining the chances of saving my company. I went ahead and paid them off so that I don't have to deal with this. It is COVID there is a pandemic and these predators are doing anything necessary to prevent you from moving ahead. I am 100 % sure that I made a payment in the beginning of XXXX yet it is not reflecting. Just please be a decent human being and don't destroy my life.
Consumer complaint received 2021-06-24
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. (NY)

I've contacted the credit report agencies through multiple platforms via mail or telephone. Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave the consumer reporting agencies any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached. In regards to the accounts listed below, as a consumer Im demanding a deletion. 

1. XXXX XXXX XXXX. 

2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX  Original creditor : XXXX 5. XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX. 

6. XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 

7. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX These accounts are individual actions, they must be delete immediately.
Consumer complaint received 2021-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NC)

I have tried several communication with Citibank to add my spouse as co-signer or joint account holder but Citibank has failed to do the same. 

After multiple communications over the customer service phone call, I have been told that the application for adding my spouse has been rejected Considering, I live in the state of XXXX XXXX where Citibank branches do not exist the paperwork has to be sent through postal mails. 


My Citi priority checking - XXXX. 
Name - XXXX XXXX Address - XXXX XXXX XXXX XXXX NC XXXX I would like to complaint about the bad services - > 3 months to come to the conclusion of the application No communication on the rejection of application Citibank has quality issues when it comes to providing customer services to the resident of the state where Citibank does not exist. 

If Citibank provides bad quality of service to the residents of the sate where they do not exist, they should not be allowed to operate in such states or put a disclaimer that they would discriminate their customer from customer experience perspective based on the geography they reside in.
Consumer complaint received 2021-04-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Claimant, XXXX XXXX, requested a new New York XXXX XXXX Debit Card from Bank of America and the scheduled delivery dated to XXXX XXXX 's XXXX. Box XXXX, XXXX, New York XXXX is XXXX thru XXXX day of XX/XX/XXXX via United States Postal Service. As of XXXX day of XX/XX/XXXX, XXXX XXXX have yet to receive new New York State XXXX XXXX  Debit Card via United States Postal Service from Bank of America. XXXX XXXX 's previous New York State XXXX XXXX Debit Card [ XXXX ] was good thru- ( XX/XX/XXXX ). Therefore, XXXX XXXX had to request another New York State XXXX XXXX Debit Card. XXXX XXXX is requesting an investigation. XXXX
Consumer complaint received 2021-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/XXXX, I initiated a Balance Transfer from Comenity to XXXX XXXX ( moving my balance from XXXX XXXX to Comenity ). The amount was {$10000.00}. 

I contacted Comenity around the XX/XX/XXXX, asking them if there was a problem because the money hadnt been received by XXXX XXXX. They said I had to wait 30 days. 

I called them again on the XX/XX/XXXX. I was told there was nothing I could do until the XX/XX/XXXXas that would be 30 days from the date of the actual check date. But, the transfer would automatically fall off if not cashed by that date. 

I called again ( and I had sent secure messages in between, too ). On the XX/XX/XXXX, they said they would file the stop payment, and Id see a credit in 72 hours. 

On the XX/XX/XXXX, still nothing. So, I contacted them again. At that point, I was informed that the check was an electronic check and it showed XXXX XXXX had received the money on XX/XX/XXXX. They asked me to submit the XXXX statements showing no credit and suggested I file a dispute with XXXX XXXX. I did so right away, but the only information Comenity could provide was the electronic check number. A dispute was reopened, and I stupidly thought that these 2 banks would talk to each other and figure out where the money went. 

I submitted the dispute to XXXX XXXX the same day and they came back on XX/XX/XXXX saying they wanted a Routing Number and which account the money was sent TO. 

To be clear, every time I called in, I was told I had to wait to receive Comenitys letter in the mail - I was not allowed to talk to Comenitys dispute Dept and neither were their frontline agents. I sent a request to Comenity by Secure Message - asking for the transaction information XXXX XXXX said they needed : Routing Number Check Number XXXX XXXX account the payment was made TO I received a reply that I would have to wait for their letter. 

When XXXX XXXX closed the dispute for lack of information, I called Comenity again. Approximately XX/XX/XXXX. I finally got a supervising agent that understood : oh, I needed what they would need to verify the payment. She filed the request with XXXX Dispute department and I had to wait. 

I sent a secure message to the Fraud Dept. 

On XX/XX/XXXX, I called again because I received a document in the mail, but it had, again, only the electronic check number. No routing number, no information about what XXXX XXXX account it went to. 

I sent a written dispute by certified mail. And re-opened my dispute with XXXX XXXX using the document I received. 

To date, XXXX XXXX still treats this like I have a canceled check I can provide them and wants proof. And Comenity doesnt think theres a problem.
Consumer complaint received 2018-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (FL)

Ive explained that I have been out of the country for 10 years to NCB Management services and that the account they have is fraudulent. With proof. They have refused to take this debt off of my credit report and will not remedy this situation. This is affecting my livelihood and preventing me from creating a better life for my family as a man. My name is damaged. My credit is destroyed because of this and their tactics. If I owned this debt I would pay it. I have integrity but this is not my debt and is fraudulent.
Consumer complaint received 2021-04-20
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)

was recently pulling my consumer report, and I am very upset that my federal rights are currently being violated Under 15 USC code 1681 b Permissible purposes of consumer reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 
I demand that transunion stop reporting XXXX on my consumer report. I XXXX XXXX do not give Transunion any written consent to report this information
Consumer complaint received 2021-06-24
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: EQUIFAX, INC. (TX)

An account from XXXX XXXX appears on my credit report and I have never had an account with them or done any business with that person. Due to this inaccuracy on my consumer report the credit reporting agencies are not in compliance with 15 U.S.C 1681e 607. ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2021-04-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (IL)

I have checked my XXXX credit score and saw a significant drop due to an unrecognized amount of debt collection. 

LAW OFFICES MBA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX XXXX XXXX Due to an unrecognized bill come from XXXX XXXX XXXX XXXX XXXX ''. 

I have never been to this place and when I called the " Law Office '' the woman took my SSN and told me I owe the amount of {$1300.00} and hang up the phone without any more information. 

I am afraid of a general identity theft by this Office and in general.
Consumer complaint received 2021-04-19
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. (LA)

Ive sent disputes last XXXX regarding those unknown and inaccurate accounts Ive found on my credit report. It's almost 30 days now but I haven't received any response yet. I demand to DELETE ASAP those accounts or I will file litigation.
Consumer complaint received 2023-03-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2021-06-24
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. (TX)

An account from XXXX XXXX appears on my credit report and I have never had an account with them or done any business with that person. Due to this inaccuracy on my consumer report the credit reporting agencies are not in compliance with 15 U.S.C 1681e 607. ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2022-09-29
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. (NC)

n accordance with The Fair Credot Reporting XXXX Account # XXXX has violated my rights to 15 U.S.C. 1681 section 602A states I have the right to privacy 15 U.S.C 1681 section 604A states section 2 : it also states a consumer reporting agency can not furnish a Account without my written instructions
Consumer complaint received 2021-06-24
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I requested a statement I placed at all 3credit bureaus to be removed on XX/XX/2021. XXXX  and XXXX  removed the statement immediately. Equifax was difficult to get in touch with a human without going through a computerized verification. Then you have to supply the human the same data before they will speak with you. Instead of removing the statement, they opened an investigation. I called today XXXX XX/XX/2021 XXXX to have this investigation closed as it is a red flag to the mortgage lender I am using to purchase a home. I had to enter my personal information twice into the computerized system then again to a human who then also sent me a link to take pictures of my DL and a selfie but the system did not work. Then they refused to speak to me because they are stating I have a minimum monthly credit card payment, which I do not have a minimum monthly credit card charge. I was transferred to a " supervisor '' who again asked for all the same information. Then she told me the statement was removed but the system has not closed the investigation and she could not tell me when the investigation would be closed. She kept insisting that there is no open investigation, yet there clearly is an open investigation when I log into my Equifax account. This process is holding me back from purchasing a home. The other XXXX bureaus removed the statement the same day. I do not understand why Equifax needs 30 days to close out completed work assignments. I additionally feel that they are the reason for many of my data breaches and having to cancel my debt card for fraudulent activity.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One Bank N.A. has pulled my credit once per month for 9 months from XX/XX/XXXX to XX/XX/XXXX. I have not applied for a credit card with this company. I contacted their customer service, the agent was able to locate an application for someone with the same first name, last name and date of birth as me. However, when I gave my Social Security Number the representative stated it does not match what is on the application. Their frauds department suggested I put a freeze on my account but they are responsible for making sure they are pulling credit for the correct person.
Consumer complaint received 2021-04-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021, I filed a dispute on with Equifax in regards to an inaccurate debt on my credit report by XXXX XXXX. The dispute number is # XXXX. I did this through the Equifax website. ( Picture will be include from their website. ) On XX/XX/XXXX, I emailed Equifax requesting a response, since I never heard from them. ( Letter will be included ) This letter included a statement sighting that the Federal Trade Commission requires a response in 30 days and I will file a complaint if no response is made. Still today XX/XX/2021, I have not received a response from Equifax. This is over 90 days. On their website, under my login, it still states under investigation for dispute # XXXX. 

Today, I called Equifax. I have tried to call in the past, but I either had insane hold times or was disconnected. Today, I had the unfortunate experience of actually talking to a customer service member and her supervisor XXXX for an hour and fifty minutes. I am sorry I did not get the first representative 's name. 

According to both the Equifax representatives, the dispute was solved on XX/XX/2021. I explained to both of them, I never received any response. I did not hear from them by phone, email or mail. Also, their own system still shows under investigation. XXXX said I know we have an issue with our website not updating. I told him, that they have to show me a response within 30 days. XXXX stated he will try to send me an email showing the investigation was completed on XX/XX/XXXX. I explained it does not matter, you did not tell me within 30 days. Equifax still shows under investigation on their website. We finally ended the conversation with XXXX informing me, he is unable to even send me an email now to show investigation results. " I keep getting an error message. '' XXXX  said it may take 72 hours, to resolve this issue and I can see Equifax 's investigation results. Again, I explained to him that the FTC requires a response within 30 days, and Equifax still can't show me this and it's been over 90 days. XXXX would not remove the items off my credit report. XXXX insisted there is nothing he can do. XXXX also said that they have been aware of the website not updating for some time. So even with this information, he would not remove the complaint even though the knows their website is not working. He did not have a reason on why they did not response to my email on XX/XX/2021. 

Any help you can offer to fix this investigation would help. This credit company has single handedly ruined my credit.
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (KS)

I have tried to unfreeze my credit report from equifax on multiple occasions, both through their automated system and through their customer service representatives. Today ( XX/XX/2021 ) was my final attempt at getting my credit report unfrozen. First I tried their automated system which after verifying my name, address, social security number, phone number, and zip code in addition to 9 personal identifying questions, they mentioned that I need to fax them my driver 's license number and social security number. I thought this was odd since I had spent 10 minutes going through identity verification so I contacted a representative over the phone. She did the same process, verified all my information and yet still mentioned they can not verify that I am who I say I am and that I need to fax pictures of my personal identification. I'm not going to show pictures of my social security number and license for the world to see. This is ridiculous. Just unfreeze my credit report. You already have all the information you need to verify me.
Consumer complaint received 2021-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CO)

We refinanced our loan in the spring of XXXX. Our original loan was with XXXX and was sold to ShellPoint Mortgage Services. Our loan was paid for through XXXX of XXXX with XXXX. My first bill from ShellPoint came on XX/XX/XXXX with a due date of XX/XX/XXXX. I was told that I would not have a XXXX payment when I called initially on the purchase of the loan, but still received this bill. We paid this bill on XX/XX/XXXX and then paid again on XX/XX/XXXX for an additional 2 months of loans. We also paid in XXXX. I have talked now to 4 different representatives of this company and I get a different story everytime I speak with them. They keep telling me that I am a month behind in payments, but I have paid 4 monthly amounts and received 4 bills, so there is no possible way that I am behind. I thought I made some progress with the last person that I spoke with, but she called me the next day to tell me that I owed for XXXX because they didnt get paid by XXXX. I just need to talk with someone that is competent so that we can get this accounting system error resolved. When the person called me back, I requested to speak with her supervisor in which she transfered me a a voice mail that was not set up and I could not reach anyone live.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX
Consumer complaint received 2021-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent letters to the bureaus about some inaccurate items showing on my credit report. It has been over 60 days and I have not received a response. I have done what I am told am capable of doing as a consumer, but it seems like my concerns are overlooked and go unanswered. I demand that my concerns be addressed and that these items reflect instructions included in the attached letters. Please delete the items that have been requested to be deleted, and update the items that have been requested to be updated immediately. 

I have attached my drivers license and a utility bill for verification of ID