davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-11
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. (TN)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 
The following inquiry is unauthorized : XXXX XXXX, Inqury Date : XXXX XXXX, XXXX ; XXXX  XXXX XXXX XXXX, Inqury Date : XXXX XXXX, XXXX ; XXXX XXXX XXXX, Inqury Date : XXXX XXXX, XXXX.
Consumer complaint received 2024-03-22
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. (FL)

while looking into my credit credit report XXXX XXXX I noticed some accounts weren't accurate nd incomplete. According to the FCRA when a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the person who the report relates this account : XXXX XXXX XXXX XXXX # XXXX I never had an account with this company, also the dates and amounts are different on my credit reports. 

XXXX XXXX XXXX Account # XXXX The dates and amounts reporting are incorrect XXXX XXXX XXXX  ACT # XXXX the dates and amounts are incorrect. 

XXXX acct # XXXX dates and payments are incorrect and this is too old to be on my credit report. 

I've sent letters to these companies asking them to reinvestigate these accounts. I got response back but notice nothing was modified which is a violation of 15 USC 1681i ( 7 ).

They also violated 15 USC 1681i ( 5 ). 

I also have incorrect personal information like my home address and last name attached is my ID with my correct address and name.
Consumer complaint received 2021-01-11
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: Experian Information Solutions Inc. (CA)

There is an auto loan opened under my brother 's name that is appearing on my report. Despite numerous attempts to amend this, XXXX  XXXX XXXX has not fixed the issue and continues to report it to my account.
Consumer complaint received 2021-01-11
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. (OH)

On XX/XX/XXXX, I've sent out a certified letter disputing items in which I felt I was a victim of identity theft. I've listed all items that were not mined. As of XX/XX/XXXX, I have not received any correspondence regarding my request. I haven't gotten anything stating they were opening an investigation. I believe the credit reporting agencies have violated my FCRA and I need some help.
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (OH)

I opened a checking account online at CititBank ( last 4 of account number are XXXX ) and deposited {$30000.00} on XX/XX/XXXX in order to earn a {$500.00} bonus. The flyer that was sent in the mail about the bonus stated Its simple to earn your cash bonus. Open a new Citi checking account between XXXX  and XX/XX/XXXX. Within 20 days of opening your account, deposit the required balance in new-to-Citibank funds into the new checking account. Maintain the required minimum balance for an additional 60 consecutive calendar days. I did all of those steps and maintained the required funds until XXXX which was 70 days, 10 days longer than the required 60 days. I was supposed to receive the {$500.00} bonus 30 days after meeting the requirements. When I didnt receive the bonus, I chatted online with CitiBank with XXXX. She told me that she agrees that I met the requirements but she would have to put in a request to find out why my bonus wasnt applied to my account and she would email me the findings. In the meantime, my husband was dealing with the same issue on the phone and found out there is actually a maintenance period of 20 days before the 60 days is counted. My husband and I both read the flyer multiple times and there was no mention of the maintenance period on the front of the flyer. There were no footnotes or asterisk or anything about a maintenance period. We finally found that information on the back of the flyer in tiny print. I obviously would have held my funds there the additional few days had I been aware of the maintenance period but that requirement was so hidden most normal people would not be aware of it. Even their own employees arent aware of the maintenance period when you talk to them. They could have easily mentioned the maintenance period on the front of the flyer under the 3 simple steps listed but they didnt. I think this is deceptive advertising and almost fraudulent. Because of their deception, they enticed me into providing them with {$30000.00} of my money for over 60 days with no interest. So not only did I not receive the {$500.00} bonus but I also lost the interest on the {$30000.00} that I could have kept in my interest bearing savings account earning over 4 % interest. If there is anything that can be done to either get the {$500.00} bonus or recoup my lost interest, I would greatly appreciate your help. I would also like CitiBank to be held accountable for misleading customers about the requirements necessary to earn bonuses. ALL requirements should be listed on the front of the flyer so customers know exactly what they have to do to earn the bonuses. Burying one of the requirements on the back of the flyer in tiny print should not be acceptable. Thank you.
Consumer complaint received 2021-01-11
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. (AL)

Six months ago I began disputing a XXXX XXXX XXXX  credit card that appears inaccurately on my Experian credit report. I sent 2 disputes months apart asking for the inaccurate account to be removed and it is still on my credit file. Im not getting any feedback from Experian and have been monitoring my file closely.
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I have XXXX issue with XXXX XXXX XXXX  inquiry account.First at all I always pay my credit card on time but unfortunately I got XXXX delinquent account I dont recognize at all its made my credit score down since XXXX months I tried too many time to call them I mean XXXX XXXX XXXX but nothing resolved for remove it The item appears on my credit report since XXXX  and the balance is XXXX $
Consumer complaint received 2023-08-14
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I noticed that Capital One has reported a charge-off status for an account that I believe has been inaccurately reflected. I have diligently maintained my financial obligations and made efforts to address any outstanding balances. 

They started reporting this on XX/XX/XXXX. The last reporting was on XX/XX/XXXX. The balance on this is XXXX dollars. It is to my understanding that they have sold my account to a collection agency in the beginning but now they got a credit from the IRS when filing my account.
Consumer complaint received 2021-01-11
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: CORELOGIC INC (KY)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2019 CREDCO add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2023-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-08-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Strategic Alliances, Inc. (CA)

1FAM IS ILLEGALLY COLLECTING ON BANKRUPTCY DEBT USING AN XXXX CALL CENTER BECAUSE IT IS SO CLEARLY ILLEGAL TO DO SO IN XXXX. XXXX XXXX IS THE EXECUTIVE RESPONSIBLE AND NEEDS TO BE ARRESTED IMMEDIATELY! HE IS THE CHIEF CREDIT OFFICER AT DESERVE AND IS BASED OUT OF XXXX HE IS CONSPIRING WITH A SALES EXECUTIVE AT 1FAM WHO ANSWERS THE SALES PHONE NUMBER! THEY HAVE REMOVED THE PHONE NUMBER FROM THEIR WEBSITE SINCE THEY PANICKED WHEN I CALLED THEM TO GATHER INFORMATION ON THE FRAUD! XXXX XXXX XXXX
Consumer complaint received 2021-01-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (MO)

On XX/XX/XXXX, my fiance had a student stipend of {$5700.00} deposited into my card BlueBird American Express Account. Not knowing this would be a breach of contract. That same day the money was deposited, the card was suspended, and we were told the funds were returned to the originator. Funds were never sent back to the originator. On XX/XX/XXXX a complaint was filed with the Consumer Financial Protection Bureau. With the aid of the Consumer Financial Protection Bureau, Bluebird by American Express agreed to return the funds within 10 business days of receiving a Letter of Indemnity from the originator 's bank. On Thursday XX/XX/XXXX, at XXXX XXXX XXXX a representative for American Express 's Fraud Department, and his supervisor XXXX both reported that American Express 's Fraud Department had received the Letter of Indemnity from the originator 's bank on XX/XX/XXXX. In a follow-up call with American Express 's Fraud Department on XX/XX/XXXX, at XXXX XXXX., XXXX a supervisor for American Express 's Fraud Department reported that the payment investigation team had received the Letter of Indemnity on XX/XX/XXXX and the situation could take up to 10 business days for funds to be forwarded back to the originator and due to the holidays, the funds should be returned no later than XX/XX/XXXX. On XX/XX/XXXX I contacted the originator to see if the funds had been returned and it had not. Then again, I contacted the originator on XX/XX/XXXX and the funds still have not been returned. Currently, Bluebird by American Express, Customer Service, and Fraud department can no longer be accessed through the XXXX ( XXXX ) XXXX nor the XXXX ( XXXX ) XXXX, both numbers refer to the online site for help which I can not access because my account is frozen. I still presently, receive emails weekly from BlueBird stating my balance is {$5700.00}. The last email sent was Wed, XX/XX/XXXX at XXXX XXXX stating my balance is {$5700.00}. Again, I am requesting the funds be returned to the originator. I strongly feel Bluebird by American Express is attempting to steal these funds and none of their actions suggest otherwise.
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Act Reliant Cap my rights has been violated. The name XXXX XXXX is reporting on my consumer falsely. 15 U.S.C 1681e Section ( b ). States wherever a consumer report agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individuals about who the report relates.
Consumer complaint received 2021-01-11
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. (VA)

Experian a credit reporting company has said a medical bill is allowed to be placed on there credit report if the medical company sells the debt to a collection agent. 
Is this legal? A medical debt does not change! if this is a loop-hole in the legal language written in ( The Fair Credit Act ) it needs to be corrected., But if a debt has been sold why would the medical company who invoiced me take my money? they no longer have any right to it because they sold it. I have a receipt showing I paid it with the medical company and a conformation number. That would be a quid pro quo of some sort.
Consumer complaint received 2023-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-01-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Brokers Inc. (MS)

THIS IS MY 2ND ATTEMPT TO CONTACT ACCOUNT BROKERS DEALING WITH THESE ALLEGED DEBTS OF ( {$2300.00}, AND XXXX ), THAT I DO NOT OWE.I SENT THE FIRST LETTERS OFF ON XX/XX/2020 AND THEY DIDN'T RESPOND, AND I RECENTLY SENT THE LAST LETTERS OFF ON XX/XX/2020, WITH NO RESPONSE TO THOSE EITHER.IT IS A VIOLATION OF THE CREDIT LAWS BY NOT RESPONDING WITHIN 30 DAYS AND THIS IS DAMAGING MY CREDIT WITH THESE INACCURATE ACCOUNTS.I HAVE ATTACH COPIES BELOW FOR YOU TO SEE.
Consumer complaint received 2021-01-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (VA)

When I first filed a complaint with Ally Financial a few months ago, I was told that there is a program for people who are 45 days past due. I do not qualify for an extension. The woman who represents Ally is rude and disrespectful and was almost making fun of me for having a hard time with income loss. She did manage to tell me about a program I could qualify for when I am 45 days past due ( in between being condescending about asking for an extension ). She did say that if I got another extension, I would never get the car paid off, which is none of her business. 
I have called Ally three tines today and been cut off twice and am now on hold ( again ) for 45 minutes trying to get help. I HAVE NOW BEEN HUNG UP ON FOR THE FOURTH TIME TODAY! this is absolutely a nightmare and UNACCEPTABLE. I AM NOW CALLING IN FOR THE FIFTH TIME TODAY. I got a threatening letter from Ally but have no way to talk to someone from Ally because I am hung up on every time I call in. I hope the CFPB takes this seriously as the woman who handles these complaints only wants to make fun of people who can't pay and be condescending
Consumer complaint received 2021-01-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

I applied for an FHA streamline refinance with my current Mortgagor, PennyMac, in XX/XX/2020. I was assigned XXXX XXXX as my loan XXXX working with my loan officer XXXX XXXX. 

XX/XX/2020, I received notification that my credit had been reviewed and my mortgage application was conditionally approved and was informed my loan would likely close the second week of XXXX. 

On XX/XX/2020, I received notification indicating there are liens on my property which the m.a.c. team will discuss with me the options for the liens to be paid off or subordinated. I later spoke to my loan specialist and confirmed that I would like to subordinate both liens. 

By XX/XX/2020 I had not received an update so I follow up with my loan officer who asked if I had requested the subordination agreement for the two liens. I informed her it was my understanding that PennyMac requests the subordination agreements, however, I was happy to reach out to those companies which I did and was told that PennyMac had not initiated a subordination request. That same day I provided the loan specialist, via email, with the information necessary to request the subordination agreements. The loan specialist also indicated there was a judgement showing on my title for a company that I had no previous relationship with. I informed her of this and also contacted that company which stated they did not have any record of a judgement in my name. 

The following day, XX/XX/XXXX, my loan XXXX called me stating we had a " clear to close ''. I asked her what came of the subordination agreements and the proposed judgements and she backed peddled saying she need to research and to disregard her phone call. She later confirmed that the judgement was an error but that they still needed to obtain the subordination agreement before getting a " clear to close ''. 

On XX/XX/XXXX, I received a notification indicating they needed a signed W-9 for the subordination which I provided. 

On XX/XX/XXXX, I received another notification indicating they needed an " ink signed borrower 's authorization '' and a copy of the note for my home equity line which was to be subordinated. I provided both. 

Although I have provided all documentation requested of me, on XX/XX/2020, I received a credit decision of declined with the reason stated as " credit application incomplete '' with no other explanation. I have emailed and left voicemails for my loan specialist and loan officer requesting a explanation of why my mortgage application was denied and have not received a response.
Consumer complaint received 2023-01-30
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: LEXISNEXIS (GA)

XXXX XXXX I contacted LexisNexis due to a tax lien from the XXXX XXXX XXXX for {$500.00} is reporting from LexisNexis. Upon speaking with a representative I informed I spoke with XXXX XXXX with XXXX XXXX XXXX whom stated no taxes were withheld year XXXX  ; in order to resolve immediately I would need to pay the balance and once requested documents were reviewed that would show no taxes were withheld I would be reimbursed. Due to it was going to be 90 days I paid the balance. 
LexisNexis never contacted me informing that they were reporting nor did LexisNexis have a valid address for me. 
I requested to speak with a manager due to the representative being rude & disrespectful. A manager by the name of XXXX return my call on XXXX XXXX ; he was also being rude until I mention about the lawsuit against LexisNexis and would be complaint with FTC. 
XXXX stated a dispute was entered XXXX XXXX and would take up to 30 days to remove due to he would need to verify. I informed XXXX XXXX XXXX XXXX XXXX XXXX did not and does not report to LexisNexis and that I am requesting for this matter to be resolved immediately due to LexisNexis robotically searched public records to gain assess for this debt that I don't owe that was done in error.
Consumer complaint received 2021-01-11
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. (TX)

On XX/XX/XXXX I submitted a complaint to CFB complaint # XXXX-XXXX. Equifax responded that my identification did not match there records, However Equifax did confirm my information when I made a Complaint to the XXXX XXXX XXXX on XX/XX/2020 case # XXXX ( see Attached document from XXXX ). In the response to my complaint they reviewed my file and would respond no later than 10 days. Todays date is XX/XX/2020 and I have not received a written response yet. I would like to provide a copy of my Texas Drivers License as to provide the information needed to take the inaccurate and false data on my credit report. In my complaint on XX/XX/2020 I provided documents showing proof that account numbers don't match on any correspondence from the Department of Education/XXXX/XXXX, However the did not investigate a inaccurate and false data on my credit report was because Equifax could not locate my file with the information provided. Please forward my Texas Drivers License ( see attachment ) to provide proof of identification to investigate that they a currently violating FCRA by reporting The Department of Education/XXXX XXXX as being closed on my credit report. the account numbers don't match on 2 different Equifax credit reports ( see attached documents. I provide documentation were the Dept of Education Offset Unit has a different account numbers. The are 6 different numbers however none of the account numbers match.