davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-13
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. (MS)

I applied for the Citi XXXX card on XX/XX/2021 due to the XXXX opening bonus. Unfortunately, the card routinely declines charges and the bank freezes the account regularly. I have spent hours on the phone with them. I also submitted a CFPB complaint regarding this issue a month ago. At that time a Citi representative assured me the problem was fixed. This morning the card declined 3 of my attempted charges and now the account appears to be frozen again. I pay my bill as agreed. The charges are not unusual. There is no reason for the bank to behave this way towards me.
Consumer complaint received 2022-08-28
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: Experian Information Solutions Inc. (WA)

This not a DUPLICATE report and this is not filed by a 3rd Party. 

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 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. Account Name : U S DEPT OF EDXXXX Account XXXX XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Account # XXXX
Consumer complaint received 2019-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL (NY)

XX/XX/2018, I applied for a credit card with XXXX XXXX XXXX and was denied because of the following Credit Reporting Agency : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX formerly known XXXX XXXX? 

I received a letter from Synchrony Bank XXXX XXXX XXXX Fl XXXX denying me credit because of XXXX XXXX. 

I contacted XXXX XXXX and was connected to a automated line. I don't understand how the Federal Government can allow any company claiming to be a reporting agency access to our personal information? Is there any accountability for Reporting Agencies? This is very unfair and critical. Where is our protection? 

They must answer or be stopped from reporting " defamatory '' reports. 
I have excellent credit and want answers, not an automated line.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

A ftc report was submitted to all 3 CRA 's in regard to con appliances. As a result of the investigation, XXXX determined the account was fraud and it was deleted from my XXXX report. Although I sent the same information to XXXX and Equifax, the item was not deleted. I am submitting the same information as I will like this item to be reinvestigated and remove from all 3 CRA 's.

I have attached an FTC complaint, a copy of the XXXX results from their investigation and a copy of the XXXX report that shows the item was deleted.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I have been a victim of identity theft. 

In accordance with the Fair Credit Reporting Act, Experian, XXXX and XXXX has violated my rights. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.SC 1681 section 602 A. States I have the right to privacy. 15 U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681a 5 Section States : no consumer reporting agency may make any of the following items of information or any other adverse item of information, other than records of crimes or convictions which antedates the report by more than seven years. 15 U.S.C 1681s : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2019-07-16
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, my mother died and left an IRA in the hands of XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX, ( XXXX ) XXXX. I was contacted by XXXX XXXX and informed as to what documents I needed to provide to obtain the account as executor of the will and trust on XX/XX/XXXX. Om XX/XX/XXXX I emailed the documents using the XXXX secure server. I called back 2 days later and was told by the woman answering the phone that she didn't see them and sent them again using the XXXX secure server and she acknowledged receipt and would pass them on to Mr. XXXX. Due to a quadruple bypass I was unable to follow up. On XX/XX/XXXX, 44 days after receipt, Mr. XXXX called and said I needed to submit the documents to get the money. I told him I had submitted them 44 days prior through XXXX 's secure server. He suggested that I send them to an unsecure email. I demanded to know where the documents I sent were if they did not go to XXXX 's secure server. Mr. XXXX finally decided to search their system and did locate the documents that had been in his possession for 44 days. He then told me that I failed to have the California notary use XXXX 's wording on the Affidavit of Domicile but had the notary attached a California compliant notary acknowledgement. Mr. XXXX told me that was no good and he had dealt with many Californians and they filled it out and I should do the same. Being a notary, I told him that it was illegal ( although did not cite CA Penal Code 470 ) and that it would be a criminal act to do so. After back and forth arguing and in which Mr. XXXX admitted that he did not know the notary law or procedure. He finally said he would check with his managers whether he could accept a LEGAL AND CALIFORNIA COMPLIANT notary certificate of acknowledgement. He never responded but then claimed that I had supposedly signed in the wrong area. Again none of these complaints by Mr. XXXX were made until 44 days after he was in possession of the documents. 

Right now because Mr. XXXX and XXXX have the documents they required and they know that they are to issue a check to the trust or estate to me they are guilty of conversion by wrongfully withholding the money. Presumably, Mr. XXXX will receiving a sizeable bonus by withholding the funds and boosting XXXX 's assets illegally. 

In addition, Mr. XXXX taped the phone call of XX/XX/XXXX and that tape has been destroyed it should be deemed and attempt to destroy evidence.
Consumer complaint received 2018-02-23
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. (MS)

I have send several letters out to XXXX about hard inquiries I have 43 hard inquiries on my credit report I have disputed them but have not heard anything from XXXX, XXXX, Experian I have 18 hard inquiries on XXXX 43 on XXXX and 16 on Experian it has been over five months and I have not heard for any one
Consumer complaint received 2023-07-24
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: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/1987 I am writing to dispute the negative items on my credit report associated with my account with your company. The late payment and charge off reports have significantly impacted my credit score, and I believe that the information is not accurate. 

XXXX XXXX Late Payment Account XXXX XXXX BA XXXX Late Payment Account XXXX XXXXXXXX Late Payment Account XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX Off Account XXXX XXXX XXXX Charge off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX I XXXX Collection Account. 



I would like to request that you provide me with proof that the reported information is accurate, complete, and up-to-date, as required by law. I also request that you investigate this matter and correct any inaccuracies on my credit report. 



As per the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am also entitled to receive a free copy of my credit report once a year from each of the three credit bureaus, which I have already done. 



I am requesting that you remove the negative items from my credit report, as they are harming my credit score and making it difficult for me to obtain credit in the future. Please be aware that failure to comply with this request may result in legal action. 



Thank you for your attention to this matter. I look forward to hearing from you soon. 



Sincerely, XXXX XXXX
Consumer complaint received 2019-07-16
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. (NE)

XXXX did not perform their due diligence in verifying the identity of the individual who opened an account with them using my personal information. The account ultimately went to collections and is reporting on my credit. I have requested validation of the debt from XXXX, they sent quite a bit of information which was helpful in proving the debt exists. However ; since they did not provide a copy of the instrument used to verify the person 's identity I have no idea who actually opened the account. All I do know is they opened the account in my former name.
Consumer complaint received 2023-07-20
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

UNKNOWN ACCOUNTS : XXXX XXXX XXXX  # XXXX XXXX XXXX- # XXXX DEPT OF ED/XXXX- # XXXX XXXX # XXXX XXXX XXXX # : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-18
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (GA)

XX/XX/2019, I contacted Chase Credit to ask for a goodwill removal of a 30-day late payment. I explained to them that the late payment was not incurred due to my inability to pay. It was incurred due to problems with mail forwarding and dealing with my sick father. 

I've attached a copy of my bank statement as evidence of sufficient funds in my bank account to make the payment that is due, despite being impacted by the government shutdown. 

Also attached is a copy of an email sent to my employer to update my address. My team leader notified me that mail was returned as undeliverable. 

Despite the reasonable case that I've made, Chase Credit is acting unreasonably in assisting me correcting this mistake.
Consumer complaint received 2019-01-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - 30 Day Late XX/XX/XXXX - 30 Day Late ; XXXX/XX/XX/XXXX XX/XX/XXXX 60 day late I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-01-18
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. (GA)

On XX/XX/2019, I received my credit report and notice multiple hard inquires on my report. I called the companies for letter of deletion but they told me to dispute with credit bureaus is my only option. So I called Transunion to dispute them and they told me to call the companies again and get a letter of deletion and an authorize letter. I feel that they both are giving me the run around. Below I am attaching an attachment of all inquires that I wish to be removed.
Consumer complaint received 2019-01-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

Opened a HELOC with Ditech in 2007- set payment {$200.00}. Somewhere down the line it ended up with XXXX which was fine, then sold off to Greentree which was a constant problem so I started paying $ 1000-2000 a month just to get it over with but they refused to accept any more payments once I got 12 months ahead of the curve. Say what? You don't want my money? Anyways, Greentree apparently changed the terms of the loan and now I have an escrow account. Two years later I realized it wasn't going away because I was paying homeowners insurance and property taxes twice which ripped me off for over {$6000.00} cuz I wasn't looking. This is when I heard of Greentree / XXXX XXXX Class Action Lawsuit and suddenly I'm back with Ditech ( but with altered terms- escrow ). For the last 3 years I have tried to get Ditech to remove the escrow requirements since they are not my primary mortgage lender. Ditech finally did after some " legal intervention '' but now charge me a {$6.00} monthly " servicing '' fee and every year they force place insurance policies on my account and the phone calls start all over again. Hello year # 4. A simple XXXX search revealed a lot I did not know regarding how XXXX  suddenly disappeared during the Class Action and is now Ditech. Thus why I join the ranks of the growing dis-contentment in a public forum. I just want my original terms which I have in writing from 2007 honored and stop all the shenanigans to score a few extra $ $ $ from people who thought they could trust a contract. -XXXX
Consumer complaint received 2023-07-20
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. (TX)

This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX  ( Original Creditor XXXX  ) XXXX and XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. Also, please remove these inquiries : XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX - XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2019-07-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OK)

I obtained student loans for medical school from XXXX with Navient ( then Sallie Mae ). My loans were in forbearance/deferment during residency secondary to financial need. I was unaware of income based repayment options during that time. 
In XXXX, I entered into repayment under an income based repayment plan with the goal of using PSLF ( public student loan forgiveness ) since I employed in a federally funded university. I had spoken to Navient many times about confirmation that my loans would qualify, which each time I was reassured that I was on the right track. 
Yearly I continued to keep up with the yearly recertification of the income based repayment plan from XX/XX/XXXX to XX/XX/XXXX ( a total of 60 months of income based payments to Navient ). Each year I discussed the desire for PSLF to make sure I was on track and each year I was reassured that I was doing what needed to be done to qualify after the 120 payments. 
In XXXX of XXXX, I found out that my loans through Navient did not qualify under the PSLF program. In order to qualify I would need to consolidate my federal student loans ( {$340000.00} ) through the Department of Education ( XXXX XXXX XXXX ) and restart my 120 qualifying payments. I tried in multiple time to see if any of the previous years of payments could qualify and each time I was told no. I contacted Navient about the situation and they confirmed that I did not qualify with they types of loans that I had for PSLF, despite their reassurance over the previous years. 
Currently I have my federal loans consolidated with XXXX XXXX XXXX and I am making payments monthly to reach the 120 payments under a incomed based repayment plan. 
Had I been given good information from my lender about my loans not qualifying for PSLF, I could have easily consolidated my loans in XXXX.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I was taken advantaged of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me finical injury, along with defamation of character I am unable to obtain my dream job due to these actions, I am completely unable to receive any lines of credit, these actions has also cost me any hope of receiving any SBA loans to help me through this crisis
Consumer complaint received 2022-08-15
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX, has violated my rights. 

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 2023-07-20
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. (TX)

I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been contacting TransUnion and XXXX  several time to correct their internal data. They are recording " No record found '' for my credit report because they do not have my first name in their system. If they corrected their data, my name would be reflected accurately : XXXX XXXX
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Credit Reporting Agency ( XXXX, XXXX XXXX, or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX Collection Agency, account number XXXX, NEVER HAD THIS ACCOUNT XXXX -XXXX  XXXX XXXX, account number XXXX, NEVER HAD THIS ACCOUNT PLEASE HAVE THIS INACCORATE INFORMATION REMOVED AT ONCE. 
XXXX CHILD SUPPORT COLLECTION AGENCY, ACCOUNT # XXXX IS ON MY CREDIT 2X WITH A XXXX AND A XXXX THIS IS NOT MINE, XXXX CHILD SUPPORT COLLECTION AGENCY ACCOUNT # XXXX IS ON MY CREDIT REPORT 2XFOR THE SUM XXXX THIS IS ALSO NOT MINE BOTH ACCOUNTS WERE OPEN ON THE SAME DAY, PLEASE HAVE THE inaccurate INFO REMOVED FROM MY CREDIT FILE.As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : Date of Birth : XX/XX/XXXX XXXX : XXXX As proof of my identity, I have included copies of my, Social Security card, drivers license, I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX