davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NE)

Hello, I am XXXX XXXX. I repeatedly sent Equifax my proof of identity and proof of birthday yet they continuously report my name incorrectly and my birthday incorrectly. I am not sure who they verified any of this information when I am who this credit file is on and have provided several forms of verification to prove that. Equifax willful noncompliance by continuously reporting inaccurate information shows a violation of federal law. 

I have attached proof of inaccurate information reporting along with proof of identity and birthdate.
Consumer complaint received 2022-01-23
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: EQUIFAX, INC. (NJ)

Someone stole my identity and opened a fraudulent account with XXXXXXXX XXXX without my consent. Inquiry date was XXXX, XXXX, 2022. 

This account is fraudulent and it has affected my credit negatively. Please help
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , DE XXXX To Whom It May Concern ; The reason for this letter is to dispute an unauthorized inquiry on my credit report. 

Made by your company XXXX XXXX on XXXX. 

Made by your company XXXX XXXX on XXXX. 

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 ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 

For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-08-28
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: Conduent Incorporated (VA)

I have made numerous phone calls to way2go starting back in XXXX of his year XXXX. I have money over {$4500.00} sitting in my account that I can not access because of my birthdate not being in the system. I have sent in ID information to verify my identity. Conduent card services in return sent me a letter telling me my information was approved but I can not to this day activate my card and obtain my funds. I have had the phone hung up on me multiple times and I have asked for corporate office information which is never giving to me. multiple agents have been on the phone with me through the activation and there is still an issue. One agent even told me there was no way I could get my money even knowing that there is a problem with the system. I have talked with my unemployment office they tell me the issue is not with them but with way2go and way to go tells me its the unemployment office. All correspondence is attached. However I can not attach the many phone calls because an agent said i could not record the call and hung up on me. But they can record my calls? Hopefully they have every call I made to them recorded. This is unemployment money from XXXX of XXXX that I have yet to access.
Consumer complaint received 2022-10-12
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX TXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX  XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 XXXX  Date of inquiry : XX/XX/2021
Consumer complaint received 2022-04-08
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. (GA)

The CARES Act and Credit Reports states ...... If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX and 120 days after XX/XX/XXXX or 120 days after the COVID-19 national emergency ends. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting a late payment to my credit report however I made payments during that time frame of the payment arrangement. I had follow all steps of making a valid payment arrangement via the cares act with this company during the con reed periods however the company is still reporting inaccurately to all XXXX of the national credit agencies I was current before and after that time also. you are current on payments and make special arrangements, creditors must report the account as current. Late and missed payments CAN NOT be reported if you have already made arrangements.
Consumer complaint received 2022-01-23
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: SYNCHRONY FINANCIAL (CT)

This is a follow up of complaint XXXX which was not resolved. 

A credit card was fraudulently opened in my name on XXXX XXXX with Synchrony Bank for a Care Credit account. This investigation concluded on XX/XX/XXXX with Synchrony Bank concluding it was a fraudulent account and notifying the credit bureaus ( see attached documentation ). 

XXXX is refusing to remove the account from my record and is causing issues with my mortgage.
Consumer complaint received 2021-05-11
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. (ND)

I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.
Consumer complaint received 2023-06-29
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: Continental Finance Company, LLC (TX)

I am checking on the status of Complaint ID : XXXX. Vice President XXXX XXXXXXXX of Continental Finance sent a letter back stating that the late payment reporting in XX/XX/2020 would be removed from my credit report within XXXX days. This was back in XXXX and we are now going into XXXX. I even tried to submit the letter to the credit bureaus to have them remove it and still nothing. I am hoping that this is resolved, and that the deletion can be honored.
Consumer complaint received 2022-01-24
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. (TX)

My credit score on XX/XX/2022 was XXXX. 
My credit score currently has been dropped by XXXX points to XXXX. 
Nothing material has changed on my credit report to cause this action. 
For example, due to COVID-19, all loans in forbearance, deferred to the end of the loan upon exiting forbearance, resuming regular payments, with all payments continuing to be current, under the CARES act should not cause this action as informed to me by the banks. 
I have asked the company to restore my credit score back to XXXX. 
This is yet to be done.
Consumer complaint received 2023-06-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (NJ)

purchase vehicle in XXXX 2023 the car transmission had to be replace in the first 30days the company fix problem but car continue to have issues accelarating it would not move at stop light and was very unsafe I report problem to finance company and car warrant dept. no one could fix car. I did not feel safe in car and in XXXX asked company to take car back and work with me to resolve matter. Car was repos but never sold because it is not functionable. Now company reporting negative on my credit report.
Consumer complaint received 2020-12-16
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

Applied for a HAMP loan modification with Nationstar in XXXX of XXXX. After one year of resending documents was approved in XXXX of XXXX. Was not notified by mail, found out by following up almost lost my opportunity due to limited time frame for acceptance. We were not approved for the HAMP XXXX XXXX which we were qualified for ( in mortgage business for 30 years, I knew how to calculate qualification ), was approved for XXXX XXXX which made a modification payment much higher than should have been, also took away qualification for a better modification on second mortgage with XXXX XXXX  XXXX. 

I had asked for an escalation with agency that monitored modifications, they could not help as the problem with my qualifying had to do with escrows being adjusted the day before modification and underwriter from XXXX included escrows ( past due 60 days ) in monthly payment. I had called customer service and was informed my modification was sourced out to XXXX as with others. 

I then filed a complaint to Consumer Financial Protection bureau twice, no response. 

I had not been notified that such a suite was pending, if I would have know, I could have submitted proof via documents saved. I did not file a lawsuit as I did not know if an Attorney would accept on contingency, since this was so unusual and unprecedented. 
Now I believe I may not be able to as Statute of Limitations may have passed.

Since modification, my mortgage note did not disclose borrower incentives that I would receive. It has now been 5 years and I still can't get an answer or anything in writing describing incentives, reading guidelines I think after 5 years of payments, I should receive my XXXX towards principal in the XXXX year, but I'm not sure. 

Recently I am having an issue with escrow collection, I paid XXXX in escrow last year when my taxes were only XXXX. This years escrow analysis has me short XXXX each month, with no accounting for extra tax escrow payment I made. 

So, I know that restitution is required by Nationstar in fines and to affected borrowers as of this months Court case in the District of Columbia. Since I filed complaints am I eligible for restitution or a proper modification? I have all correspondence, several boxes. Including proof of complaints to CFP. 

Second, I need help getting answers to borrower incentives that I may becoming entitled to. 

Third, I have sent XXXX, who is now apparently doing Nationstar ( Mr. Coopers ) escrow analysis all documents. I have little faith that this issue will be resolved in a timely matter or at all. 

Please Advise.
Consumer complaint received 2022-04-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

on XX/XX/XXXX, I started a complaint with CFPB case no. XXXX and it was closed to continue the case with the bank. I am starting all over again with the same complaint. my problem was from the very beginning that Citibank refuse to solve my problem by playing a game with the statute of limitations. i received a letter from the Citibank stating that due to the XXXX statute of limitations on checks and one-year statute for not reporting, they no longer help me with this case. 
The Citibank is not telling the true, my account was illegally closed, never received my money, and I have been trying to get an answer to my account since early XXXX but they weren't able to give me any answer until XX/XX/XXXX.
Consumer complaint received 2022-01-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

hello i had a citi bank personal account for XXXX years no problem working with them. i have a small business due to covid i applied for SBA loan with all my documents social and taxes i was aproved for the loan. they deposit my funds into my citi bank account in XX/XX/2021 XXXX dollars next day the bank froze my account ask me for proof of my business and for the loan which i totally understood next day i went to the bank with all my documents and fax all the documents to the fraud department from the bank. literally 2 hours later after citi bank fraud department received my business documentation and approved everything told me i was totally gave me access again to my funds with no problem. after that one month later sba approved my business for more money another loan of XXXX dollars same documents same bank same business after a weekk of receiving the money the second time citi bank called and ask me for the documents again which i thought will be like the first time. i went next day to the branch and summitted all the documents again but this time they didnt re open my account or gave me an explanation why for the next 4 months after the second loan my acccount and all my money funds were frozen i had no way to pay rent my car or my business citi bank never gave me a reason on why this time they closed my account for so many months their customer service its the worst CLOSING THE PHONE on me like i was some type of criminals and not giving reasons on what happened. 4 and a half months later i callled one more time which this time i was told my account was totally closed finally they answered me something i ask them to send the funds back to the sba. the loan money after 2 months of my account being closed has not being sent back to the sba loan office they refuse to answer on when this will happen or to tell me the reason why my accont was closed when the first loan they had no problem reopening my account. 



my account number on citi bank was XXXX routing number XXXX name on the account XXXX XXXX phone number XXXX sba loan number application # XXXX i have all my taxes and documents for my business. thanks for the help. 
email XXXX XXXX
Consumer complaint received 2018-07-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALCHRO INC. (FL)

XXXX XXXX XXXX XXXX XXXX is reporting a medical debt for {$75.00} which is not mine. I contact them to let them know yet they refuse to comply by sending me proof of this debt or removing it. I filed a complaint with the XXXX and they responded by saying they will not discuss this matter because of HIPPA regulations. They are choosing to hide behind loop wholes instead of handling this matter. When I call them they treathen me and are very rude. I explained to them that I never visited this medical office and did not have any services provided.
Consumer complaint received 2022-04-08
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have disputed this account more than once with the credit bureau. I have never been late on this account. I have a late 30 day late for XX/XX/2019. I have been a valued customer for a long time and I have never been late
Consumer complaint received 2022-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (WA)

I was charged for an XXXX XXXX membership on a yearly basis via my XXXX XXXX XXXX and also charged on a monthly basis via Synchrony Bank XXXX store card at {$14.00} per month for the same 2 year period. I have provided proof to Synchrony of the yearly charges and they refunded 1 year but have still not refunded the second year. I started my original dispute about XX/XX/2021 so it is now more than 90 days and they keep sending me emails that they are refunding the amount but nothing every happens for the second year.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing a complaint against TransUnion with the Consumer Financial Protection Bureau ( CFPB ) due to their failure to respond to my dispute. 
On XXXX, I mailed a dispute letter to TransUnion via USPS with tracking number XXXX XXXX XXXX XXXX XXXX XXXX. The letter was picked up on XX/XX/XXXX. However, despite the confirmation of pickup, I have not received any response from TransUnion regarding my dispute. 
Under the Fair Credit Reporting Act ( FCRA ), credit bureaus like TransUnion are obligated to investigate consumer disputes within 30 days and provide a response. TransUnion 's failure to respond to my dispute within the mandated timeframe constitutes a violation of the FCRA.
Consumer complaint received 2022-01-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants and Medical Credit Corporation, Inc. (MI)

MERCHANTS & MEDICAL CREDIT CORPORATION INC AT XXXX XXXX XXXX XXXX, MI XXXX HAS BEEN SENDING ME COLLECTIONS NOTICES IN THE AMOUNT OF {$98.00} THE COLLECTION HAS BEEN REPORTED AS A PASTDUE BALANCE.I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSSINESS WITH THIS COMPANY, THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE ....
Consumer complaint received 2022-01-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Social Finance, Inc. (VA)

I am in possession of a check that purports to indemnify Sofi Lending Corp in an amount of {$250000.00} against prior claims of the Internal Revenue Service ( " IRS '' ). 
It also contains an undertaking to provide information to the IRS. 


Offer ends XX/XX/2022 2022
Consumer complaint received 2022-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (MN)

We misplaced our Synchrony Bank PayPal Cashback Credit card and reported it missing on XX/XX/XXXX. The initial report of a lost card was apparently not recorded, as a follow-up call two weeks later revealed that the card had not been deactivated as we requested. Replacing the card took over a month. 

On XX/XX/XXXX, while we were still waiting for the replacement card, I attempted to transfer {$170.00} in rewards from the Synchrony account to my PayPal account, but the transfer never appeared in PayPal. 

Two online payment attempts for the XXXX statement were rejected. I spent hours on the phone with both PayPal and Synchrony customer service trying to resolve these issues and to make a phone payment for the XXXX statement. I was told by Synchrony that PayPal would be able to resolve the rewards transfer issue, but the PayPal representative ultimately transferred me back to Synchrony. 

I wrote to Synchrony on XX/XX/XXXX and again on XX/XX/XXXX explaining the issues that I had experienced but have still not heard anything back from them. The {$170.00} in rewards has still not been transferred to PayPal as attempted on XX/XX/XXXX.
Consumer complaint received 2022-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I had several accounts with XXXX XXXX back from XXXX to XXXX. Unfortunately, I became ill in XXXX and was unable to meet my credit obligations. I did inform XXXX XXXX of this. Ultimately my accounts were closed and charged off. When I was able to return to work and in the process of repaying my credit obligations I made contact with XXXX XXXX and informed them I would like to repay any outstanding balances owed on my accounts. They were all too happy to hear this. All the accounts were repaid in full to their internal collection department. When I was setting up the repayments I made it crystal clear that once the obligations had been repaid ; the accounts would report to the credit agencies as paid in full and closed. No, write off, no charge off. Well in true XXXX XXXX fashion they did not do what they agreed to and on all three credit reporting agencies, it reports as negative and continues to report as a negative month. I view this as a punitive action on the part of XXXX XXXX, they had been repaid and didn't suffer any loss on these credit cards yet they have a long-standing history of sticking it to a consumer who falls behind. I have disputed these accounts with Experian, XXXX, and XXXX XXXX several times to no avail and now seek help from the CFPB to correct the misgivings of this large and powerful company.