davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-12
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: EQUIFAX, INC. (FL)

I opened a XXXX XXXX XXXX card by recommendation from credit building program called XXXX XXXX in XX/XX/XXXX. Shortly after opening the account I was hit with charges without using the card and without getting statement. I notified XXXX XXXX by phone to find out what happen. They explained when I open a card there is an annual fee upfront. So I paid it. However they reported me late on XX/XX/XXXX and this was a major hit on my credit that I have been rebuilding for 5 years. Then later in XX/XX/XXXX- {$49.00} was charged to my account again from XXXX . Again no statements and no notice XXXX XXXX kept charging late fees and I found this out when I pulled my credit in XX/XX/XXXX. Also to my surprise and Shock I had 3 derogatory late pymts from XXXX XXXX. I contacted XXXX XXXX in XX/XX/XXXX they demanded {$120.00} to discuss my account and enable me to put in a dispute. This was a clear evidence of Identity theft and fraud. I did not use this card. However I paid XXXX XXXX again {$120.00} to stop the bleeding of reporting more derogatory reports on my credit. Shortly after on XX/XX/XXXX XXXX XXXX finally responded to my dispute and AGREED I was not responsible for the identity fraud charges and all subsequent charges thereafter. I recontacted XXXX XXXX to inform them to please remove all these degratory actions dating all the way back to beginning XX/XX/XXXX. They agreed and also agreed to reimburse me the {$120.00} I paid them in XX/XX/XXXX. Unfortunately I did not get the next correspondancce until XX/XX/XXXX- again from XXXX XXXX supporting they reviewed my account and I WAS NOT RESPONSIBLE and they will report to all 3 credit agencies to remove my negative reports from XXXX XXXX. BUT I had to wait 60 more days. Unfortunately XXXX XXXX removed several negative reports but DID NOT remove the negative report from XX/XX/XXXX. and my credit continues to suffer almost 2 years later. I have been turned down for several car loans, house financing and much more. 












{$0.00} XX/XX/XXXX
Consumer complaint received 2021-04-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HSBC NORTH AMERICA HOLDINGS INC. (TN)

I purchased a Motorcycle In 2006 had in it Financed through HSBC. We had paid this loan off over a decade ago. I have recently sold this motorcycle but am not able to get the title to sign over to the new owner because HSBC still has a lien on the motorcycle. I have called the number that their customer service refereed to me as the department that deals with the lien and the number they provided to me just rings. I also was told to email the request with vehicle registration which I did and have not heard anything from them. Like I mentioned the motorcycle has been sold and new owner wants title asap
Consumer complaint received 2018-10-12
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. (MD)

Transunion and XXXX have failed to remove a fradulent account from my report after multiple complaints. The company that the account is from is suspicious as XXXX and wont answer my calls. The account is now " charged off '' but it hasnt been removed. Transunion and XXXX should protect the consumer instead they continue to make me deal with a XXXX company and refuse to remove it because the company claims its correct when its not. XXXX removed the account the first dispute. This is extremely anti-consumer from Transunion and XXXX.
Consumer complaint received 2018-04-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Recovery Solutions, LLC (TN)

Today I received a call at my place of employment, the collector that called never once said the call was being recorded or monitored but left a message with one of my employees for me to call back XXXX ext XXXX and to ask for XXXX XXXX. 

I called back the number left, XXXX XXXX XXXX wasn't available. I advised the woman that I spoke to that they are not allowed to make any contact by phone, and that I only wanted correspondence through the mail. The rep told me the only way I could make payment would be by phone. I told the rep I was sure I could go online and pay or send something through the mail. The rep told me at that point she will put my number on hold. Rep advised me they had the wrong address so I was never made aware that they had my account. The rep also stated that they received the account XX/XX/XXXX and asked for payment. If they received the account on the XX/XX/XXXXand knew that I had never received a letter from them because they had a wrong address then that was over shadowing.
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (VA)

XXXX XXXX of XXXX XXXX is working on behalf of the family ( widow ) of XXXX XXXX XXXX. XXXX XXXX is deceased. Citibank holds a judgment against the client 's property. 

Citibank was provided all requested documentation and submitted by fax to their probate department on XX/XX/XXXX. Told at that time that it could take 4-6 weeks, but was told to check in after 7 business days and that we can expedite. We have called each business day since then, asking for a manager/supervisor, only to be told they are severely back-logged and nothing can be done to expedite. 

Meanwhile the purchaser of the property is threatening to walk away unless their mortgage-rate-lock extension is paid for, for a month, which is an additional {$4000.00} because Citibank needs 4-6 weeks to process a full payoff statement. 

We went through the same process with XXXX on the same day. Received the payoff statement in 48 hours.

It is unconscionable that it takes 4-6 weeks.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX has reportedly car note late. It was not late and now my score has dropped almost one hundred points. Additionally, I would like the call pulled in which I made the payment and I was told because I was paying with my debit card.
Consumer complaint received 2023-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (FL)

I Made my Mortgage payoff on XXXX XXXX XXXX with crossCountry Mortgage, LLC.Three weeks later I was due to receive my escrow check, which has not happened despite having called several times abaut it.So far I ha e not recei ed a concrete answer, XXXX  XXXX evasions and justifications.
Consumer complaint received 2018-11-24
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. (WI)

XXXX has a XXXX XXXX XXXX # XXXX ( original creditor XXXX XXXX ) account on my credit report for {$740.00} and this account has been discharged in bankruptcy court # XXXX.
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

A joint bankruptcy which was filed in XXXX of 2013 still appears on my Equifax and other credit reports. Im asking that this now be removed as it was discharged and more than seven years have passed. This case was filed in XXXX. I now reside in XXXX. Thank you very much. 
XXXX XXXX XXXX
Consumer complaint received 2021-09-22
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. (MI)

Three months ago I received your correspondence on this alleged account stating your verified / updated, this account was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset.
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

trans union has posted on my credit that I have 3 late payments & delinquent on my credit score they dont have the right to post these negative very high impact with out signed documentation with my signature that i am in agreement with them .... its very wrong & very damaging. I'm trying to get loan for a home by end of year but with these wrong negative information brought my score down by law they have to take it off if they dont have an agreement with me & signed documentation please help
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2018-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

The following accounts are fraudulent, unauthorized and not mine : XXXX XXXX XXXX/XXXX XXXX credit card account : XXXX, and XXXX XXXX XXXX credit card account : XXXX. I never applied for the accounts, so the accounts are fraudulent, unauthorized and dont belong to me.
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

Experian is reporting incorrectly a payment amount on my XXXX XXXX XXXX XXXX  XXXX. I have provided a snap shot of what is currently being reported. The report is reflecting a payment amount of {$25.00} which is incorrect and needs to be {$0.00} as the other two bureaus are accurately reporting.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A close eye is being kept on my credit reports and I continue to see errors and inaccurate information. My concerns are constantly being ignored by the bureaus and it is causing me extreme XXXX and stress. It is clear that the bureau is not doing their job and ensuring the information that they are reporting is in fact 100 % accurate.
Consumer complaint received 2018-03-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. Collections West, Inc. (AZ)

I was never sent any documentation or validation notice of this debt. 
That is against the law. 
The creditor has broken the law and this DEBT needs to be REMOVED from my credit report ASAP. 
This DEBT is not mine and NO attempt has been made to validate this debt.
Consumer complaint received 2018-04-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (TX)

On XX/XX/XXXX, I made a contract with XXXX XXXX AT XXXX XXXX for 2 years. I left this apartments on XX/XX/XXXX with a clean record, they even return my deposit when i left. I got a derogatory remark on my 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 the immediately and either pay off the debt or get the negative remark removed from my report.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

bankruptcy being reported on credit report, I asked XXXX  and Equifax to verify how they obtained this information since the Wisconsin bankruptcy court does not provide court cases to 3rd parties, I do had that in writing. I then contacted pacer since it was a public record and pacer does not provide this information to credit reporting agencies. Equifax and XXXX  stated that XXXX XXXX provided them with this information I contacted XXXX  XXXX  and the rep told me that XXXX XXXX  does not share information with credit bureaus only insurance companies, but refused to provide me that information in writing, Their calls are recorded. I was not disputing the bankruptcy only that is should not be report to ANY credit bureaus and needed to be removed ASAP. at this point i am ready to take legal action against these companies for not providing me a proper means of verifying this information, who or how it got on my credit report.
Consumer complaint received 2022-06-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (PA)

I have a checking account with TD Bank. At some time prior to XX/XX/2022, someone attempted to open another checking account and a savings account under my name with TD. I received a letter in the mail saying " thank you for opening a new checking account. ) When I logged into my account online, I noticed that in addition to my existing account, that the two additional accounts appeared. 

I contacted TD. They connected me to their fraud department, who indicated that someone had stolen my identity. They directed me to contact a credit bureau as well as the FTC to report stolen identity. TD has since removed the two fraudulent accounts from their web portal.
Consumer complaint received 2022-06-11
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX this account is involved in litigation XXXX  XXXX XXXX this account is involved in litigation XXXX XXXX XXXXXXXX I have no knowledge of this account I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt nor therefore any such debt, in fact exists.
Consumer complaint received 2023-01-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BARCLAYS BANK DELAWARE (VA)

XXXX XXXX XXXX XXXX XXXX has tried to contact my mother and my daughter and have stated if the debt isn't paid that my credit would be damaged and they would send a summons for my arrest. And they pulled money from My account without authorization. All these actions started XX/XX/XXXX, and are still continuing today. XX/XX/23
Consumer complaint received 2021-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I have filed two previous complaints against this company. The first in XX/XX/2021, the second in XX/XX/2021. They have ignored my initial complaint and although they have responded to my second complaint and found the investigation in my favor. They have refused to give me the XXXX that is owed to me. On XX/XX/2021 I was sent 2 letters stating that I would receive 2 separate checks, 1 for XXXX, 1 for XXXX. I received a check for XXXX on XX/XX/2021, but as of today XX/XX/2021 I still have yet to receive the second check for XXXX. After going to a branch and speaking with a manager, the claims department admits that the second check for XXXX was not issued and that they would not be issuing it for up to 60 days. Not only has this bank inconvenienced me and illegally mishandled my credit file they are flat out complicit in theft of consumers funds.
Consumer complaint received 2022-06-11
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. (FL)

XXXX XXXX XXXX XXXX this account is involved in XXXX XXXX XXXX XXXX this account is involved in XXXX XXXX XXXX  XXXX I have no knowledge of this account I have not supplied proof under the doctrine of estoppel by silence, Engelhadt V. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt nor therefore any such debt, in fact exists.
Consumer complaint received 2021-12-06
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. (PA)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was XXXXXXXX XXXX. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX {$0.00}
Consumer complaint received 2021-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (CA)

On XX/XX/XXXX I reserved a golf set from XXXX. They sent me the wrong set twice ( XXXX clubs vs males ) and I had to know reruns them both twice. I printed the label and sent it to the ups drop off and a few months later they said I was delinquent when I have proof of requesting a return late and then dropping it off.
Consumer complaint received 2018-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

XXXX XXXX XXXX, XXXX sold an account to XXXX XXXX that was included in my bankruptcy discharge case # XXXX XXXX. The amount is approximately {$4100.00} and should not be on my credit report.
Consumer complaint received 2022-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have inquiries, i have no knowledge of. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX US SM Bus Admin XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm here to ask for your assistance with regards to my dispute XXXX days ago. I wasn't notified of any investigation taking place nor it's results. I hope that the accounts mentioned on my dispute will be deleted since all of them were misleading and falsely reported as being mine. Also, it's already past their investigation so everything must be deleted.
Consumer complaint received 2018-03-12
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: International Computer Systems, Inc. (CA)

i have been dealing XXXX XXXX and XXXX XXXX XXXX for almost 2 years with their threats and false credit reporting, i have no contracts with XXXX XXXX XXXX they have sold a debt in my name to XXXX XXXX XXXX and the collection agency is sending me intimidating mail, they refuse to hear my contest to this debt, this debt is not valid they allege i opened an account in XX/XX/XXXX. i had an account with XXXX XXXX XXXX and i closed the account in XX/XX/XXXX i paid off the account and closed the account.
Consumer complaint received 2018-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Inquiries Transunion company report 1 ] XXXX XXXX XXXX 2 ] XXXX XXXX  XXXX 3 ] XXXX XXXX 4 ] XXXX XXXX XXXX 5 ] XXXX XXXX  XXXX 6 ] XXXX XXXX  XXXX 7 ] XXXX XXXX XXXX 8 ] XXXX XXXX XXXX XXXX 9 ] XXXX XXXX XXXX 9 ] XXXX   XXXX 10 ] XXXX XXXX XXXX XXXX 11 ] XXXX XXXX  XXXX 12 ] XXXX XXXX  XXXX 13 ] XXXX XXXX XXXX Already I spook to customer service and send them letter to request remove this inquiries from my credit because never apply any about those companies and I am victim the inquiries issue