davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (OK)

The original creditor was Citibank ( this is to amend an earlier report that inaccurately listed the original creditor ). Due to financial hardship ( loss of jobs ) in approximately XXXX, I could not continue the payment on the account. It was sent to XXXX and XXXX in XXXX  XXXX. I was repeatedly harrassed, the debt inflated quickly, but I eventually reached a settlement agreement with XXXX XXXX XXXX that I repeattedly told them was beyond what I could pay. They still insisted and set up an automatic bank withdrawal via post-dated checks. I called after every payment to indicate that I could not make the next payment. When the last payment was due, I did not have the funds and could not come up with the funds. I called to let them know, they drafted anyway, and it bounced. When I tried calling to set up some way to make the last payment, they told me I was out of luck and that I would be responsible for the entire debt before the settlement because I failed to make the payment. I didn't hear from them for quite a while until I became aware of a default judgment against me in XXXX. They had served the renter of our property, and I never received the summons. Earlier this year, I received a call indicating they would like to discuss the matter. With over a decade since the original conversations, I asked that they send me documentation in writing instead of an inflated value over the phone of an amount that is quite larger than the original debt and the judgment. I have yet to receive anything. It has been months. I would like this matter settled in a fair and accurate way as soon as possible.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MN)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2018-04-10
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. (OH)

XXXX had my address recorded incorrectly. They had it recorded in XXXX XXXX and that address was not associated with me after XX/XX/2017.

I never got my statements. I didnt know I owed XXXX   money.

Also, I hAve attached documentation that I was attending school in XXXX.
Consumer complaint received 2022-08-12
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)

In accordance with Fair Credit Reporting Act, the following Accounts Have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Complete Credit Solutions, Inc. (GA)

XXXX  report number : XXXX XXXX has violated my rights under the FCRA. 
I filed a dispute with XXXX  to dispute an erroneous entry by Complete Credit Solutions in XX/XX/XXXX. I was not notified of this debt or my right to dispute. I became aware of the entry to my credit report added in XXXX XXXX by reviewing my credit report. 
Please note that this debt was initially reported by a company called XXXX XXXX. I disputed the validity of this debt and XXXX   removed it in XX/XX/XXXX. 
It was then purchased by Complete Credit Solutions. 

I received electronic notification yesterday from XXXX  that the dispute was rejected. 
XXXX failed to adequately investigate this dispute and failed to notify me in writing of why this dispute was rejected. Important to note, but not at all surprising, I was also not notified by Complete Credit Solutions detailing why this dispute was was rejected. 

XXXX  advertises a site to upload additional information supporting a dispute. It doe not allow XXXX   or JPEG uploads. After entering the requested demographic information, I pasted my statement only to receive an error message. 

If this matter is not handled lawfully, I will have no other option than to escalate to legal options Below is the Original dispute sent to XXXX : Complete Credit Solutions has violated my rights under the FCRA by : -Reporting erroneous information to credit reporting agency. 
-Failing to notify me in writing of the debt and of my right to dispute the debt. I learned of this debt after seeing it on my credit report. 
-This erroneous debt and negative entry on my credit report has impacted a decision resulting in a higher than expected interest rate. 
*This debt was purchased from XXXX XXXX after it was disputed and removed from my XXXX  report in XX/XX/XXXX. 
Verify this debt as legitimate including the original contract, otherwise remove it from my credit report.
Consumer complaint received 2022-10-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stephen L. Bruce, P.C. (LA)

It has come to my attention that a company by the name of XXXX XXXX XXXX XXXX, XXXX, XXXX is attempting to have my wages garnished on a debt that does not exist on my credit report or any other places that I can find. If the debt really does or did exist it must be at least 12 to 15 years and far exceed XXXX 's statue of limitations credit card debt collections. Furthermore, there was no written or verbal contact made to me regarding to gravity of the matter, nor was I served ( There is No affidavit of service for XXXX XXXX XXXX XXXX. XXXX ) to be made aware that this step was being taken by this firm. I was totally blinded sided. It is hard for me to believe that this is even legal. They have put my longtime career in jeopardy and I may be terminated as result of their inappropriate actions. Please note, I also called this company on XX/XX/2022 and they refused to speak with me. Wouldn't let me go past my name and date of birth, which I am certain is just ploy. Here is a list of FDCPA violations I believe they have made, I will only use codes for lack of space. 1692 e ( 2 ), 1692 e ( 7 ), 1692 e ( 14 ), 1692 f, 1692 f ( 1 ), 1692 g, 1692 i ( a ) ( 2 ). These are just a few.
Consumer complaint received 2022-07-21
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. (FL)

Upon checking my Credit Report, I noticed that there are accounts that are completely unknown to me. As I further researched my Credit Report, I realized that these accounts are fraudulently reporting on my Credit File. Right now, Im submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. XXXX XXXX XXXX, IN XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$63.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$74.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$60.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$110.00}. I have read that that under the FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-10-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (TX)

On XX/XX/2015 I opened an account with XXXX. The account was supposed to be closed. I got a derogatory remark on XXXX credit report stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my reports.
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I filed a complaint with TransUnion ( TU ). TU did not correct the report received from XXXX ( XXXX ). XXXX is TU third party provider. I have enclosed a letter from XXXX  stating the status on on the date of the bankruptcy. 

TU is reporting supplemental information that is inaccurate. I am requesting that the information to be updated and deleted. 

I am requesting the Method of verification.
Consumer complaint received 2023-03-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CO)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been reported on my credit report. Upon reviewing my credit report, I have noticed several unauthorized inquiries that I believe to be fraudulent. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request that these inquiries be removed from my credit report immediately. 

The unauthorized inquiries are as follows : XXXX - Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXXT - Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX  XXXX - Date of Inquiry : XX/XX/XXXXXXXX XXXX - Date of Inquiry : XX/XX/XXXX As per the FCRA, I have the right to dispute any information on my credit report that I believe to be inaccurate or fraudulent. I do not recall authorizing any of these inquiries and suspect that they may be fraudulent. I am concerned that these inquiries have negatively impacted my credit score and ability to secure loans and other financial services. 

I kindly request that you investigate these inquiries and remove them from my credit report. According to the FCRA, you are required to conduct a reasonable investigation into any dispute and respond within 30 days of receipt of the dispute. I request that you provide me with written confirmation of the removal of these items from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OR)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681i ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681i ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USX 1681 s-2 A person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate. 

This is violation after violation after violation. This is causing me stress because I have no hope with this system.
Consumer complaint received 2022-10-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

XX/XX/XXXX Credit Limit was {$50000.00} and unauthorized Banking Transfer of {$49000.00} was added to account. Homeowner was confused so stopped making payments. On XX/XX/XXXX, homeowner and I called lender and were told the XXXX Department would research and put a hold on foreclosure, XXXX. On XX/XX/XXXX and XX/XX/XXXX, the homeowner was contacted by the lender 's Fraud Department but they would not allow the HUD certified housing counselor to join the call and would only speak to the homeowner. Difficulty reaching the Fraud Department through many transfers and no answers about investigation given. On XX/XX/XXXX, told there was no person handling the account and there was a charge off, but the homeowner 's monthly statements continued to include the extra {$49000.00} plus interest and late fees. Homeowner submitted a Request for Mortgage Assistance and her Point of Contact noted the Fraud investigation and said he would try to get the balance down to {$50000.00}. On XX/XX/XXXX, the Fraud Department stopped communicating with the homeowner. A 3-month trial payment plan was offered including the entire disputed amount.
Consumer complaint received 2023-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CULLEN/FROST BANKERS, INC. (TX)

Roughly around the first of XXXX I had a payroll deposit of around {$5000.00} come to Frost bank and they instantly froze my account even after I informed them of the amounts that would be going to this account when I open it. Since then I have tried to deal with them 4 times and the account is still frozen and I cant even get my money out that I put in it. It had been more than 10 business days with no response or resolution. I was told I have to wait until they decide to contact me.
Consumer complaint received 2019-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc. (FL)

Money ( {$2400.00} ) was sent to the Google Wallet of my father ( who is deceased ) on XX/XX/XXXX. Google has  locked this account and will not allow deposit into the linked bank account. As personal representative of the estate, I have provided documentation showing my authorization to act on behalf of the estate and deposit the money into the account. Despite numerous emails requesting a status update on the disbursement of the funds and closing of the Google Wallet account, I have yet to receive confirmation that the funds have or will be disbursed or a timeline for disbursement. 

Response to prior complaint of XX/XX/XXXX was not adequate. A support person named XXXX sent an email indicating " we're working diligently to determine the appropriate resolution for your situation '' but I have not been able to get any update or response in over a month. Google has now been holding these funds since XX/XX/XXXX with no solution provided. 

**Please note, I am unable to upload documents via this interface. Please see documents uploaded in prior complaint.
Consumer complaint received 2023-03-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (VA)

I purchased a vehicle from a dealer in XXXX XXXX. I traded in my old vehicle and the dealer made arrangements to pay the lein holder Wells Fargo the balance due on the loan, which was {$11000.00}. However, Wells Fargo made an unauthorized withdrawal from my checking account, held by XXXX  XXXX XXXX, in the amount of {$11000.00}. This overdrew my checking account, which triggered my overdraft protection and erased everything I had in savings, leaving me virtually penniless. 

I have spent considerable time on the phone with both Wells Fargo and XXXX  XXXX XXXX and each entity suggests that I contact the other. I can not get either to return my funds and I can not get satisfaction.
Consumer complaint received 2022-07-21
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. (GA)

This is another continuation for original complaint XXXX filed on XXXX and other open complaints on Transunion. It has been well over 30 days.The same accounts have been in dispute since. If the accounts are " verified '' why is the proof of verification so hard to receive as I have requested numerous times? According to the FCRA these account must be deleted. Transunion is in violation! My disputes and complaints have been ignored.I am sick and tired of this game Transunion is playing with my credit profile. It's almost XXXX month # XXXX  and they are still playing games! Transunion you illegally reporting unverified items monthly on my credit file.I DEMAND this to be removed immediately! It is Transunion 's job to make sure they are reporting ACCURATE information.I can understand a mistake this is no mistake. Just to flat out lie and ignore requests from a consumer that has rights you continue to ignore and not obey they law. It's absurd that your company would put something like this on my credit file.
Consumer complaint received 2024-02-29
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. (TX)

Under the stipulations of 15 US Code 1681 I ( 6 ) ( B ) ( iii ), it is mandated that consumer reporting agencies ( namely XXXX, Equifax, and XXXX ) Arte required to furnish a written notification to a consumer ( in this case, myself ), upon request, detailing the methodology employed to verify the accuracy and completeness of the information on record. This includes providing the name and address of any information provider contacted during the verification process, along with their contact number. Over 30 days ago, I solicited documentation to substantiate this account, yet I have received no such documentation. Without legitimate proof backing this account, it has no basis to be included in my credit report.
Consumer complaint received 2022-06-13
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: SUNRISE CREDIT SERVICES, INC (TX)

Originally filed a complaint # XXXX when XXXX XXXX XXXX placed a delinquent account on our credit report in the amount of {$2800.00}. Again it shows it is collecting foXXXX XXXX  XXXX & XXXX XXXX, which by the way we never had. We did have XXXX XXXX XXXX for internet and confirmed with them our account was in good standing, in fact had a {$18.00} credit. After this original complaint ( which was verified to be fraud ) and the complaint deleted. Now another company using the name Sunrise Credit Service in the same amount {$2800.00} has placed a derogatory non payment on our credit report on XX/XX/2022. Shows account XXXX... 

The last time we filed a police report and started with XXXX. Not sure if we need to file another report or not. 

Thanks for your time, XXXX XXXX XXXX
Consumer complaint received 2020-11-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

I initiated the process to refinance my mortgage with the existing servicer, Pennymac. They have not communicated with me in many days -- weeks, even -- and my repeated email inquiries requesting an update, such as information about closing on the loan, have gone unanswered. I fear they are trying some sort of trick to delay my closing in order to exceed the lock period and thereby deny me the promised rate.
Consumer complaint received 2022-06-13
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. (FL)

I want to report, errors, fraudulent, incorrect accounts, unauthorized inquiries, miss spelled, personal information, address that's are in my credit reports ...... 
I have more than ninety-eight unauthorized inquiries twenty six different names in my credit report, I contacted XXXX, Transunion, and XXXX FOR THE FRADULENT INFORMATION I HAVE IN MY CREDIT THE DONT WANT TO HELP ME. 
I need hep to get those incorrect information 's and account of my credit please.
Consumer complaint received 2018-10-17
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I applied for a savings account on XX/XX/18 through a {$400.00} promotion listed publicly on their website. The same promo terms can be found here : XXXX XXXX   XXXX? XXXX &   XXXX I deposited {$15000.00} as the terms stated, and left that deposited for 60 days. I waited over 90 days for the bonus to post, as noted in the terms. It has been well over 5 months since signing up for the promotion. 

I recently contacted their help center for the above issue and after being shuffled around to three different reps, I had one who helped me open a case. 

That case number is : XXXX. 

I was told that I could expect a call and a letter by today, and I have heard nothing from Citi. It appears that Citi does not honor the terms of promotions.
Consumer complaint received 2018-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Neon Newco Corporation (IN)

My direct deposit is and still is delayed as of this moment. My bills are past due and I can be put out any moment and have no money for food or to pay my phone bill. This is disgusting and so inconvient!