davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-22
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. (TX)

XXXX XXXX XXXX company has not reported my two paid off auto loans to Experian credit bureau They have reported them to XXXX and XXXX but not Experian. 

It has been one year of me emailing XXXX XXXX management employees XXXX XXXX ( XXXX ) I have been told over and over the next month the two paid off auto loan account numbers XXXX and XXXX will report to my Experian but they still have not. 

It is unfair that I paid off 2 cars 100 % on time payments but am not getting credit for it by Experian.
Consumer complaint received 2021-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To whom it may concern, my name is XXXX XXXX with SSN # : XXXX reaching out to request for you to look at my report and remove the inaccurate information that are damaging my credit. I have been sending you disputes but you never respond to it, I was advised that failure to respond is a violation of FCRA law. i hope you resolve this soon so i wont have to take this to the next level and take legal action against you. Thank you so much!
Consumer complaint received 2021-03-09
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: CORELOGIC INC (MT)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  - XXXX XXXX - XXXX XXXX XXXX ( Original Creditor : 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-05
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

I've called multiple times to get the incorrect information resolved. They told me they would investigate it but nothing has changed. I personally DO NOT OWE ANY STUDENT DEBT! It's causing me a hardship. Also, there's different names and addresses that I've NEVER been associated with. I've reached out to all three credit agencies in XXXX and XXXX, XXXX and just recently in XXXX of XXXX with no avail. I can't get a place of residence because of it. 
I want to seek damages from all three agencies due to causing me such a hardship!
Consumer complaint received 2021-07-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 Equifax received my documents disputing several accounts and inquires on my credit report. Equifax failed to remove all of the accounts and inquiries in it's initial investigation into my dispute. I have sent Equifax documents notifying them of their default. I will attach all documents pertaining to this issue below.
Consumer complaint received 2021-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Flagstar Bank, N.A. (MI)

Around XXXX of 2020 Flagstar utilized a 3rd party bill pay for their checking bill pay options for consumers. 
This bill pay system paid out transactions without sufficient funds in the consumers account and did not reconcile current balance prior to charging fees and returning payments. 
Funds should not have NSF fees on bill pay and this is currently a option disabled withing the Flagstar banking system on my account due to bank error. 
Fee continued to attempt to charge from bill pay without sufficient funds creating an error and I was locked out of the bill pay system so could not start/stop any type of payments that were creating this fee. 
Also {$2.00} fee charged for " Right to offset ''. This should be disclosed before bank offsets with clear definition as to the charge.
Consumer complaint received 2022-10-14
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)

In accordance with the Fair Credit Reporting act. Transunion ( Inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please validate this information and provide with me the copies of any documentation associated with these accounts, bearing my signature. 
In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 






CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau via XXXX XXXX XXXX ) XXXX CC : XXXX XXXX XXXX Director of Enforcement Consumer Financial Protection BureauXXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Attorney Generals Office CC : XXXX XXXX XXXX  XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission XXXX : State Regulatory agency CC : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-05
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)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXXXXXX 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 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 an account without my written instructions.
Consumer complaint received 2021-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I HAVE 2NDING XXXX CREDIT CARDS PAST DUE AND I NEED TO SETTLE BOTH ACCOUNT ENDING XXXX AND XXXX, ONE ACCOUNT HAD SINCE XX/XX/2009. 
THE TOTAL OWED ARE $ XXXX SEE ATTACHED.
Consumer complaint received 2021-09-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (MD)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the 3 credit bureaus and found that this I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX XXXX ) was reporting to be negative on XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-07-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have yet to receive an answer from Experian. Why was the attached INCOMPLETE fraudulent application processed by XXXX XXXX on behalf of XXXX XXXX XXXX XXXX loan when the application clearly states incomplete applications will not be processed? Processing the application led to a fraudulent loan. XXXX XXXX ignores, XXXX XXXX XXXX XXXX requests more of my personal information, and Experian is not thoroughly investigating.
Consumer complaint received 2018-08-28
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. (NC)

Equifax has been reporting negative remarks on my credit report. I spoke to my original loan Servicer XXXX XXXX XXXX on XX/XX/XXXX and they informed that they have not reported any on my credit files since XXXX so to take the negative remarks up with Equifax well Equifax reported onXX/XX/XXXX that my loans was in collections which is not turn my loans was paid in full on XX/XX/XXXX. Since equifax is reporting falsely it has caused my score to dropped 42 points which is affecting me in applying for a mortgage.
Consumer complaint received 2021-03-09
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: CORELOGIC INC (MT)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-07-21
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: Experian Information Solutions Inc. (FL)

I am a victim of fraud and have since put a fraud alert on my file..I recently took a look at my credit reports and saw a overwhelming amount of inquiries that I do not recognize nor do I recall authorizing..I stated my concern to all three credit bureau 's through a complaint with the BBB to no avail in regards to having the inquiries removed.
Consumer complaint received 2021-03-09
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. (MT)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (TN)

While checking two existing citi bank cards that have a XXXX balance, citi bank interrupted this session with a advertisement to apply for a citi XXXX card. This stated that they will not pull any credit reports this event happened on XX/XX/17. The morning of XX/XX/17 my credit monitoring XXXX sent me a email stating that Citi bank struck my credit file. Email dated XX/XX/17
Consumer complaint received 2021-09-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current (GA)

This complaint is directed to Current Bank FinCo Services Inc. and XXXX XXXX XXXX. I had an account with Current. I direct deposited my Social Security Disability check in this account. On XX/XX/2021 I found out my account was suspended. I tried to call customer support and a recorded message told me their phone service was down and to email customer support on my online account and chat with a live team member but I couldn't because my online account was suspended and to email customer support. I emailed them and asked why it was suspended I got a form email saying they had received my email and a support member would contact me shortly usually within 24hrs. I was never contacted by anyone even though I emailed them daily just that form email. About a month later I received a letter saying they had closed my account and sent me a check for the remaining balance in my account of {$930.00}. When I tried to deposit this check from FinCo Services Inc. " ieCurrent bank '' in my new account they would not except it when I tried to cash it at XXXX XXXX  they said they couldn't cash it because they couldn't verify it. I have been emailing them for four months trying to get them to resolve this matter and got no response just that form email. I know they aren't reading my emails because immediately after I send my email they send that form email. About 2 weeks ago I got an email from their support team saying they finished investigating my account and closed it??? They did this after closing my account and sending me the check. I don't know but I thought once they closed my account and sent me the check it was done but they reopened my account without informing me or asking me I thought that constituted Frau or at least it would be if I did that yes?? They investigated my account for depositing my Social Security XXXX check as fraudulent suspicious criminal XXXX acts I didn't know they made depositing a XXXX check would be considered any of those things. I'm still trying too get a response from them on this so far I just get that form email no contact by anyone team member no one. I talked too the SSA and asked if they could hold my XXXX check and they said not unless they had a garnishment order or a court order signed by a federal Judge so holding my check for four months is an illegal act by them this caused serious hardship on me monetarily and health risk as I am XXXXyrs.oldand have had XXXX XXXX XXXX and XXXX XXXX XXXX and I couldn't get my XXXX XXXX  and I have XXXX XXXX and couldn't get those medication for the month of XXXX. Thanks I hope you can help me with this.
Consumer complaint received 2021-09-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc. (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that THE BUREAUS would verify the debt. So I took it upon myself to ask THE BUREAUS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I reached out to the credit bureau 's ( XXXX, XXXX, and Equifax ) to update my personal information on my consumer file I was told that all my information was verified and correct. I am not sure as to who they have verified my information with but it was not me.
Consumer complaint received 2017-07-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (NY)

CitiMortgage continues to deny my application for loan modification despite the fact that I have sufficient income for modification. Citi refuses to consider me for a loss mitigation option deriving from the National Mortgage Settlement Agreement. With my income I have the ability to repay approximately {$720000.00} in Principal and Interest over a 30 year term. Citi, however, will not consider me for a principal or interest rate reduction and they deny me because they say that I can not repay my arrears within a " 3 to 6 month term ''. That is a ridiculous requirement and in clear violation of the terms of the National Mortgage Settlement Agreement. Citi is moving my foreclosure forward and intends to sell my property at foreclosure auction. Citi has been dual tracking my loan in violation of 12 C.F.R. 1024.41 ( g ).