davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-11
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. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. 15 U.S code 1681n Infamis of pulls XXXX Account Number : XXXX 2. 15 U.S code 1681n Infamis of pulls XXXX XXXXXXXX Account Number : XXXX 3. 15 U.S code 1681n Infamis of pulls XXXX Account Number : XXXX 4. 15 U.S code 1681n Infamis of pulls XXXX XXXX Account Number : XXXX 5. 15 U.S code 1681n Infamis of pulls XXXX XXXX. 
Account Number : XXXX
Consumer complaint received 2022-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OH)

Credit card was paid off years ago and made sure to lock card online so no charges would go through. Citi is unable to explain to me what the " lock card '' feature actually does or the farud alert does for that matter. XXXX XXXX a red flag when a random charge for a service you do not have and never had appears on the LOCKED card. 

Called to file fraud dispute for unauthorized charge and they told me to contact the vendor while also charging me a late fee and reporting me late on my credit report. I tried to explain to them that not only does XXXX have a 0 fraud liability but regulation E has protections in it as well. They refused to even investigate.
Consumer complaint received 2022-01-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mountain Run Solutions, LLC (TX)

During XX/XX/XXXX, I received a derogatory letter from the company regarding a debt that should be paid off. I requested validation of the debt in XX/XX/XXXX, which the company responded promptly, but did not properly validate the debt. The company only sent a letter that they had purchased the debt and provided a contract, but no itemized payments and other pertinent information to help me determine the validity of the debt especially during an environment of increased scams. In my initial request for proper validation, I requested that the company only communicate with me in writing via U.S. Postal Mail, which they violated my right by sending me a text message in an attempt to collect the debt. 

I again, sent them a second letter in XX/XX/XXXX, requesting proper validation, outlining that what was received did not properly validate that the debt is actually owed and if they could not, they were bound by federal statutes under the FDCPA, FCBA, FCRA to cease and desist in their attempt and remove any negative reporting to the Credit Reporting Agencies. Again, my second request asked the company to only communicate with me in writing via U.S. Postal Mail, which the company sent me another text message in an attempt to collect the debt. I have attempted to secure the necessary information to determine the validity of this debt including proof of payments, but the company continues to not properly validate the debt. 

I have attached the following to this complaint : 1 ) My 1st validation request letter. 
2 ) My 2nd validation request letter. 
3 ) The companies 2nd response to my 2nd validation request, which mimics their 1st response to my 1st validation request. 
4 ) Images of the text messages received showing day time stamp of receipt.
Consumer complaint received 2022-10-12
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: EQUIFAX, INC. (TX)

Upon reviewing my reports, the incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX credit Bureaus was XX/XX/XXXX, but no response was ever received from you to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXXccount Number : XXXX ; XXXX XXXX XXXXccount Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account XXXX : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number XXXX XXXX ; XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX ; XXXX  Account Number : XXXX ; XXXX Account Number XXXX XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account XXXX XXXX XXXX
Consumer complaint received 2022-03-28
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. (MD)

In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX XXXX / XXXX / {$0.00} XXXX XXXX  / XXXX / {$0.00} XXXX XXXX  / XXXX / {$0.00} XXXX / XXXX XXXX {$0.00}
Consumer complaint received 2020-11-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2020, Paypal took {$4300.00} from my account with an untrue reason. I sent the Error Resolution Notice to Paypal on XX/XX/2020. It's been a few months since I've sent the letter, I still haven't received a refund from Paypal. Please see the attached documents.
Consumer complaint received 2019-06-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (FL)

On XX/XX/2019 I applied for a loan in the amount of {$1200.00}. I did not realize the interest amount would be so high. I'm paying 773.26 % interest. The amount is {$340.00} every pay period and can't manage it.
Consumer complaint received 2022-01-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (VA)

We asked Caliber Home Loans to change our auto pay from bi-weekly to monthly, We were current on our loan. They agreed and sent us a letter stating our next payment would be withdrawn on XX/XX/XXXX. It was not withdrawn. We called 2x, telling them it was not withdrawing. They assured us that we would not be charged a late fee. They did not attempt to fix the problem. When we called next and found out they had not even attempted to fix the problem, we asked to speak to a manager and were told they would call us back by the XXXX of XXXX. They did not, and they charged us a late fee. We called on the XXXX, spoke to XXXX, who reversed the late fee, and tried to connect us to a manger, but said they would call us back the same day. They did not. Today, the XXXX, we made a payment through the web portal, because I am sure they would be reporting us to the credit agencies soon. Caliber Home loans need to fix this problem.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TX)

I have received a letter from Citibank rejecting an application for obtaining an account. I did not apply for the line of credit. I called Citibank but they are not interested in helping me unless I provide my SSN #. I do not want to supply info to Citibank because I have no known accounts and don't even do business with them. There is a reference number on the letter but they will not pursue unless I divulge my SSN #. I am afraid this activity will adversely affect my credit information negatively. Please advise. I enclose a copy of the letter from Citi. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2019-08-07
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. (VA)

Hi my name is XXXX XXXX I have several items on my credit report that are not mine. I noticed it because I recently applied for an apartment and I was denied so it prompt me to check my credit report. I have reached out to the FTC and to my local police department. These items listed are not mine and need to be deleted from my credit report. I am doing this on my own behalf. XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, Inquiries : XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX AND 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, XXXX
Consumer complaint received 2022-09-27
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. (NC)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-28
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-01-21
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: EQUIFAX, INC. (CA)

I have previously disputed with XXXX, XXXX and Equifax on XXXX/XXXX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2019-08-07
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. (VA)

Hi my name is XXXX XXXX I have several items on my credit report that are not mine. I noticed it because I recently applied for an apartment and I was denied so it prompt me to check my credit report. I have reached out to the FTC and to my local police department. These items listed are not mine and need to be deleted from my credit report. I am doing this on my own behalf. XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX, XXXX, Inquiries : XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  AND 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 XXXX XXXX, XXXX
Consumer complaint received 2024-02-14
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. (WV)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2022-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (KS)

My mother, in XX/XX/XXXX took out a 30 year loan with XXXX XXXX XXXX Bank for XXXX with a 6 % interest rate. In XXXX, 32 years later, when I sold the property, the payoff on the loan was XXXX ; not even half of the loan was paid off. Included in the payoff was an inferred interest of XXXX. This was the reason for the initial inquiry requesting the loan history transcript ( LHT ). As the administrator of the estate and successor of interest to the property I felt obligated to find out the reason for the remaining payoff and inferred interest. 
The loan originated with XXXX XXXX XXXX Bank in XX/XX/XXXX. In XXXX XXXX XXXX XXXX Bank merged with XXXX XXXX XXXX. In XXXX XXXX merged with Sterling National Bank. XXXX, Sterling National Bank is the custodian of records and should be able to provide the requested LHT and any other documents related to the loan. 
My first request for the LHT was in XX/XX/XXXX. Sterling National Bank acknowledged the receipt of my request and further stated that the inquiry was being referred to the appropriate area for review. Sale of the property was pending closure so I tendered the requested payoff amount not to hold up the sale of the property. My intent, was once I received the requested LHT, it would either prove up the accuracy or inaccuracy of the payoff balance as quoted by Sterling National Bank. Thru the following months, I made 8 different requests for the LHT. Each time, I was sent some sort of document : the satisfaction of the mortgage, the payoff statement, 2 years of the loan history transcript, the deed, etc. Never, was I sent the full LHT as requested. 
Frustrated, I asked my estate attorney for help. In response to my attorneys demand for the LHT, a written response was received from Sterling National Bank XXXX Department. The Escalation Analyst provided the LHT from XXXX thru the payoff date of XXXX. In addition, the response stated that Sterling National Bank does not have payment history copies prior to XXXX. Unfortunately, the LHT that was provided does not tell me what happened to this loan. It doesnt explain neither the large payoff amount nor the inferred interest. What it does tell me is that my mother paid her mortgage each month. It does not explain the discrepancy which was the impetus for my initial inquiry. 
I believe Sterling National Bank does indeed have the previous 15 years but chooses to withhold because there has been an egregious error. 
As previously stated, the loan originated with XXXX XXXX XXXX Bank. In XXXX, XXXX XXXX XXXX acquired XXXX XXXX XXXX Bank. In XXXX, Sterling National Bank acquired XXXX XXXX XXXX That said, Sterling National Bank is the custodian of records of the loan from its inception date of XXXX thru the payoff date of XXXX. According to Federal Regulation Z, Truth in Lending, Sterling National Bank should have all documents relating to the loan and should have the LHT for 36 months after the payoff.
Consumer complaint received 2022-01-21
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: Experian Information Solutions Inc. (GA)

Hello, I noticed inaccurate accounts and information on my credit report and contacted the XXXX credit bureaus about it ( XXXX, Experian, and XXXX ). I sent letters asking them to validate these accounts and never received anything in the mail or email from this. It has been well over 30 days and I never received any information and the accounts are still on the report. I also sent letters to these XXXX companies to validate this debt or remove them and they still have not been removed. I know that according to the law they have 30 days to validate or delete it. I have not heard from any of the companies. I sent certified letters and copies of my Identification to show that this is me inquiring about my report but nothing. Can you please help with this issue?
Consumer complaint received 2020-11-10
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. (OR)

Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.
Consumer complaint received 2022-01-21
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bridgecrest Acceptance Corporation (IL)

*****BRIDGECREST IS IN NONCOMPLIANC OF REGULATION P, THE GRAMM-LEACH-BLILEY ACT, 15 USC 6801-6809***** I AM THE CONSUMER. This is my official notice to opt out of my nonpublic personal information, which means my personally identifiable financial information, from being disclosed to any and all nonaffiliated third parties of Bridgecrest. This includes disclosing my nonpublic personal information to any and all consumer reporting agencies. Bridgecrest did not provide me with a reasonable means of subsequent notice that clearly and conspicuously explained my right to opt out of Bridgecrest disclosing my nonpublic personal information to nonaffiliated third parties. I am now forced to Bridgecrests unreasonable opt out means, by only being able to exercise my right to opt out through a letter. After viewing this opt out notice Bridgecrest or any of its affiliates should not continue to disclose my non public information to any consumer reporting agency or any other nonaffiliated third party. Examples of my nonpublic personal information and personally identifiable financial information that should no longer be disclosed to consumer reporting agencies and any nonaffiliated third parties include but are not limited to 12 CFR 1016.3 ( q ) ( 2 ) ( i ) A-G : ( A ) Information I, the consumer, provided to you on an application to obtain a financial product or service; ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information ; ( C ) The fact that I, the individual, is or has been one of your customers or has obtained a financial product or service from you ; ( D ) Any information about me, the consumer, if it is disclosed in a manner that indicates that I, the individual, is or has been your consumer ; ( E ) Any information that I, the consumer, provided to you or that you or your agent otherwise obtain in connection with collecting on, or servicing, a loan or a credit account ; ( F ) Any information you collect through an internet cookie ( an information collecting device from a Web server ) ; and ( G ) Information from a consumer report. I expect Bridgecrest to adhere to Regulation P, The Gramm-Leach-Bliley Act, 15 USC 6801-6809 and any other federal regulation that is applicable. I expect Bridgecrest to adhere to my opt out notice of disclosing my nonpublic personal information and personally identifiable financial information immediately. Bridgecrest can no longer disclose any of my nonpublic personal information and personally identifiable financial information to any nonaffiliated third party.
Consumer complaint received 2019-08-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Apothaker & Associates, PC (PA)

Apothaker Scian knowingly continues to threaten legal action against me for the credit card debt in question, though according to the debt validation they provided, the statute of limitations to enforce collection through the court system has passed. Arbitration documents were recently mailed to me with court stamps from a year ago however, these documents were not served to me at the time they were stamped. The documents also state that I consented to act as my own attorney during the arbitration process which is false. 


Below are reference numbers for previous complaints submitted for this continuing issue. 



XXXX XXXX XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (VA)

I have had my credit report " unfrozen '' without my knowledge several times, most recently on XX/XX/year>. This causes unauthorized hard inquires. I have been told that my online account login information was changed by a bad actor gives them access to my credit report. XXXX has consistently told me that the security questions they ask are enough security, but since this person has stolen my identity, they have access to all the answers for the questions they ask.
Consumer complaint received 2022-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act 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