davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-03
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. (GA)

XXXX, XXXX, AND TRANSUNION ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS : Accounts : XXXX XXXX  Account number XXXX Date Opened - XX/XX/2016 Account Type - Personal Loan   Balance - {$9300.00}. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX PLEASE REMOVE THE LISTED ACCOUNTS AND BLOCK FROM FROM CREDIT REPORT. ACCOUNTS ARE FRAUDULENT AND UNVERIFIABLE.
Consumer complaint received 2022-06-18
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. (GA)

I was informed that a Bankruptcy public record information was placed on my credit file. so I contacted the courts via US mail to verify that they had updated my credit report with this information the clerks response was that the courts DO NOT verify individuals case information and that third party companies also know as furnishers research consumers information and sells it to credit reporting data companies such as XXXX whom then supplies it to XXXX, XXXX, Experian. Also I contacted PACER ( Public Access to Court Electronic Records. The credit Bureaus investigated and stated that the courts verified information. This is not true and it needs to be removed from my credit file I never gave anyone written permission to place any of this information on my credit and according to the FAIR CREDIT ACT statutes and regulations it must be removed immediately from my credit Report
Consumer complaint received 2018-05-14
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (IN)

The company that owns our property has changed loan services multiple times over the past 5 years, and now with this new company named XXXX XXXX all of a sudden our payments are late or not posting on time to cause late fees in which those have increased as well, we are not getting our grace period and no one seems to know what it is. The late fee went from {$15.00} to {$30.00}. Our escrow has never been low, but now there is not enough to cover our state taxes in which has now caused our payments to rise. I XXXX faxed sales disclosure forms to the loan servicing office for someone to fill in the blanks for our homestead taxes which will lower the taxes and they have refused. The last guy named XXXX ( No last name ) that was in charge of our loan through this company, noticed the late charges that should not have been accumulated on our billing statements and he then was fired from the company. We feel this company is trying to make families in our position loose or take their homes because of these issues. My husband and I have tried to talk to the company and get nowhere. They first stated that they couldn't receive biweekly payments just to find out they told us wrong the first time, we also had to make changes to our bank account in order to deal with this XXXX   company. We are sending copies of the documents of payment history, current statement, and documents from the county office that shows the owner of the property for the homestead. I have never had problems with a company like this, if you look at all payment history from XX/XX/2009 to now, we may have had a few late fees, but my payments were ahead until XXXX took the loan. The last photo is of the letter we receive every month because the payment hasn't posted in their system and no one can tell us a correct grace time, and if this isn't enough I can provide bank statements as well. Prior payment history should be available to see our payments were no problem before XXXX. I feel this is discrimination and something needs to be done now!!
Consumer complaint received 2022-06-18
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. (GA)

I was informed that a Bankruptcy public record information was placed on my credit file. so I contacted the courts via US mail to verify that they had updated my credit report with this information the clerks response was that the courts DO NOT verify individuals case information and that third party companies also know as furnishers research consumers information and sells it to credit reporting data companies such as XXXX whom then supplies it to XXXX, Equifax, XXXX. Also I contacted PACER ( Public Access to Court Electronic Records. The credit Bureaus investigated and stated that the courts verified information. This is not true and it needs to be removed from my credit file I never gave anyone written permission to place any of this information on my credit and according to the FAIR CREDIT ACT statutes and regulations it must be removed immediately from my credit Report
Consumer complaint received 2022-03-04
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. (TX)

On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NY)

Ok so I made a {$140.00} tire purchase from the site XXXX  on XX/XX/XXXX. I tried to cancel my order maybe about 30 mins after cause of the name of the charge it was under. Looked up their cancelation policy and how to cancel on their site and i had 2 hours to cancel the order after putting it in. I had no luck with contacting the supposed company through email or phone. My email just kept getting kicked back and the phone number does not work. I called my bank after and tried filing a dispute but they said I had to wait til transaction cleared to do that. The transaction cleared and I filed my dispute on the XXXX of XXXX. I sent in the the screenshots of my purchase receipt and the site with all their info. It got denied the first time caused rhey saus they needed receipts or other unfo to be sent in. I tild them i already did send them in and they got to check their email. I called back and they put it in rebuttal. During rebuttal I got emails from XXXX stating the shipping info and tracking number and also an email asking g if I received my package that was supposed to be delivered on XX/XX/XXXX. I got these emails on the XXXX of XXXX saw no package and called ups on XXXX. They told me that the tracking number I received was not a package for me and to call my bank back and file a dispute again. Called my bank back told them I got emails stating I was to receive my tires but didn't. And that I called ups about where they were and they told me that I was basically scammed and to call them ( my bank ) back. They asked me to send the screenshots of the emails to them of the tracking info and it got denied again ... so I'm here contacting you guys cause I'm out {$140.00} and didn't receive the tires I ordered.
Consumer complaint received 2023-03-29
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (IN)

This complaint is for Global Client Solutions ( GCS ) /Global Holdings specifically as their being a party to collecting illegal fees for the debt resolution company XXXX XXXX XXXX ( formerly know as XXXX XXXX ) After terminating our program with XXXX we became aware of FTC and Consumer Protection and Telemarketing regulations that we did not know about before prohibiting the collection of advanced fees. The basis of the complaint stems from facts discovered for a formal complaint about XXXX engaged in the practice of collecting illegal upfront fees and other fees not associated with enrollment fees or settlement fees and GCS being a party to these transfers to them. 

Several documents were discovered that filed legal action and judgments against GCS in the past for such illegal business practices. Attached are ( 4 ) items, a formal complaint and judgment that were initiated by the CFPB in the past as an example that GCS has participated in this business practice in the past and a copy of their payment schedule from our XXXX program and a copy of the statement for the first 5 months showing the transfer of advanced fees being charged by XXXX. This complaint is because GCS is still participating ( with XXXX ) in this illegal business practice, knowingly and willfully aiding in the transfer of illegal funds to debt relief companies. 

As GCS was ordered to stop these kinds of business practices with debt resolution companies and with a detailed process for them to evaluate a debt resolution company, it is apparent that they have disregarded any legal order and are still knowingly and willfully engaged in the practice of assisting in the transfer of illegal fees as they were with our program from XXXX, XXXX to XXXX, XXXX. This statement being from the fact that XXXX has been shown ( by the Wyoming Supreme Court ) to be a debt resolution company and not exempt from any FTC, Telemarketing and Consumer Protection regulations as they are not a law firm or do business as such. As outlined in the ( attached ) previous complaint against GCS the activities associated with that case are identical to the activities we experienced with XXXX, XXXX.
Consumer complaint received 2022-06-18
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: TD BANK US HOLDING COMPANY (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I the consumer checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed that this unauthorized inquiry was made : XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX NJ XXXX Inaccurate information reported XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX Inaccurate information reported XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Inaccurate information reported XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inaccurate information reported I the consumer contacted XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX  and XXXX XXXX Card who were the ones who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I the consumer also asked them to stop their illegal activities according to 15 USC 1681b 604 ( 2 ) immediately, but there has been no change and no response from their office. Since I the consumer sent these letters more than 30 business days ago, they have not responded and they failed to honor my request. The inaccurate information being illegally reported has unfortunately caused me harm. 

I the consumer wasnt able to obtain credit, housing, or employment and my ability to obtain insurance because of this inaccurate and unverifiable information is being reported on my consumer report. I the consumer did not apply for this and had the ( credit bureau ) been in compliance with the FCRA 604 15 USC section 1681b and 15 USC 1681A ( 1 ) as well as 15 USC 1681A ( 4 ) of the FCRA fairness, respect for consumer rights, impartiality and my right to privacy as the consumer would not have been violated. The banking system, being dependent on accurate credit reporting which is an essential part of the bank 's function as well as the publics confidence would not have been violated. It is your duty as a consumer reporting agency to report accurate information which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevance, and proper utilization of such information in accordance with the requirements of the FCRA 15USC 1681B. 

I the consumer would appreciate your help in resolving this matter and removing this inaccurate information within 15 days required by the law. Please never ever report this inaccurate information on my report ever again. 


Thank you for your help and assistance. 

Sincerely, XXXX XXXX ____________________________ XXXX XXXX
Consumer complaint received 2024-02-07
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: Experian Information Solutions Inc. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-03-04
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX : Social, ID, Identity Theft report
Consumer complaint received 2021-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: INTERFIRST MORTGAGE COMPANY (MN)

We refinanced our home mortgage through Interfirst Lending in XXXX of XXXX. On XX/XX/XXXX, Interfirst deposited our check in the amount of {$6000.00}. As the payment coupon indicated, this represented our mortgage installment of {$1000.00} for XXXX as well as an additional {$5000.00} principal payment. Interfirst applied the XXXX installment of {$1000.00} but pocketed the {$5000.00} principal payment. 

Eventually, Interfirst admitted their error and the {$5000.00} principal payment deposited on XX/XX/XXXX was credited as of XX/XX/XXXX. It was pointed out that we were fraudulently charged interest on this {$5000.00} for almost four months but Interfirst has refused to reimburse the interest charged. Interfirst sold our mortgage to XXXX  XXXX XXXX late last year and had directed us to seek this interest from XXXX  XXXX. Interfirst made a significant error in pocketing our {$5000.00} and they are the ones that profited from their error. XXXX  XXXX XXXX will not respond and had nothing to do with the error.
Consumer complaint received 2018-05-14
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: Experian Information Solutions Inc. (IL)

I have attempted numerous times to get XXXX XXXX XXXX to remove the erroneous and illegal account ( ending XXXX ) from my credit file. I have asked for verification, I have shared with them that I was a victim of Identity Theft, I have requested to see the original instrument of indebtness in its original form, this account has been VERIFIED every time that I have disputed this file. 
The FCRA states the bureaus must verify all information that they get from banks, credit card companies, etc before it's put into my credit report. In the letter written to me from XXXX XXXX XXXX on XX/XX/2018 they CLEARLY state that they DO NOT have a signed contract with my signature affixed. This account can't be VERIFIED and I am requesting that it is REMOVED IMMEDIATELY.
Consumer complaint received 2022-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

The Bureaus did not properly investigate my account with CAPITAL ONE BANK USA N XXXX because incorrect information is reported on this account. A lot of errors in terms of the remarks. The payment history is incomplete. The date of the last activity does not reflect on the payment history too. Moreover, the account has an exact balance which is totally wrong if the account is in fact to be a charge-off. The entire remarks for this account do not concur with each of the information.
Consumer complaint received 2020-12-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (NJ)

I registered for the PayPal promotion at https : //www.paypal.com/us/webapps/mpp/cashback-25sh on XX/XX/XXXX. 

The promotion offers a {$25.00} cash reward after XXXX purchases of {$35.00} or more using PayPal at XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX. 

I made the 3 purchases at XXXX on XX/XX/XXXX, but did not receive the {$25.00} credit as promised from the promotion. The promotion fulfillment window of 5-7 business days has now passed, and PayPal has not credited the reward. 

I contacted PayPal support, who has been unable to resolve this issue. 

The promotion is still active and being advertised at the original link as of XX/XX/2020. 

I appreciate your help in resolving this issue and having the {$25.00} reward applied to my PayPal account.
Consumer complaint received 2020-02-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

Let me provide you the Address and Telephone of the person committed the Bank Fraud : XXXX XXXX, CEO of Citigroup : Address - XXXX XXXX XXXX, XXXX XXXX, NY XXXX Telephone : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX e-mail : XXXX Let us hope that you have no problems to contact him. Thanks, XXXX XXXX XXXX, ID No. XXXX, Home address : XXXX XXXX XXXX, XXXX, NY XXXX ; Tel : ( XXXX ) XXXX ; E-mail : XXXX XXXX
Consumer complaint received 2020-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (MN)

I married my husband in XX/XX/XXXX and during the course of our marriage, he did not permit the kids to get the mail and he was very adamant about getting the mail himself. He would hand me my bills, but he was quick to tear up everything. If I saw something with my name on it, I thought it was just some sort of advertisement to open a new card or transfer a card balance, junk mail. Two credit cards were opened in my name : one in XX/XX/XXXX and another inXX/XX/XXXX. We were living together in XXXX and I did not give him permission to open a Citibank card in my name. I did not know about or the one opened in XXXX. Of course, he had access to my personal information. He opened these cards and he had an automatic payment set up from his account to pay the card off monthly or with monthly payments. I was not on that account. I can not be traced to any account charge or receipt signatures. I only knew about these cards when we were getting divorced and a Citibank envelope came to my address in my name. I pulled a credit report and there they were. I called the company reported the above situation. I didn't even know the password and had to have my son 's help, " What was one of your dad 's old dog 's names? '' This was recorded on the call. If I opened the account, I would know something such as that. Of course, I know my social security card number. I now have a XXXX $ balance that is not mine. 
The explanations from Citibank : The card was mailed to your address : BECAUSE WE LIVED TOGETHER Your phone number activated the account : BECAUSE HE HAD ACCESS TO IT Regular payments were made on the account : FROM HIS SOLE CHECKING ACCOUNT THAT DID NOT HAVE MY NAME ON IT, WAS THIS TRACKED TO HIM? YES. 
Your verified contact information is on record with previous communications : THE ONLY TIME I CALLED WAS WHEN I FOUND OUT ABOUT THESE CARDS IN XX/XX/XXXX/XX/XX/XXXX. WHERE ARE THE RECORDINGS THAT I CALLED? WHO IS ON THE PHONE? NOT MY VOICE. 
I was aware of the account and permitted it to continue : I DID NOT KNOW ABOUT THIS ACCOUNT. 

I do not feel Citibank did a thorough ENOUGH investigation nor made an informed decision. It doesn't always have to be a thief on the streets taking your identity or using your GOOD CREDIT. I have never had more than my XXXX Visa credit card and my Credit Union credit card. I have a pattern of only ever having had these two cards for many many years. If his name was pulled, he will have plenty in his name opened and closed. This speaks for itself.
Consumer complaint received 2020-02-03
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: 3rd Generation, Inc. (OK)

California auto finance I repeatedly disputed this account. The account was open XXXX. It recently closed XXXX but still have a remaining balance and also shows on my credit report which is Hindering me from moving forward. I would like this account to be removed as its out of statue of limitations. Remained negative balance is XXXX. They got their vehicle back and still wants me to pay. I have sent dispute laters trying to resolve for years