davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-07
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. (MD)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-01
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. (FL)

Please be advised, Im currently on XXXX XXXX and my payments are current. But for some reason Florida Department of Revenue is reporting the account as a charge off. This is wrong. Account number XXXX
Consumer complaint received 2020-02-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (IL)

I called CitiMortgage today to try to get them to fix the Form 1098 issued to me for XXXX ( this is the same issue for which I filed a complaint last week, however, Citi switched servicing during XXXX, so I now have two incorrect Forms 1098 for the same mortgage ). 

My specific complaint is that I was told that my request to correct the error on my Form 1098 could not be submitted today, rather, that the request could be submitted only starting on XX/XX/XXXX. I would have to call back on that day, go through the 20+ minutes of prompts and three different representatives before I can even begin relaying the issue, and then report the same issue that I reported today.

Frankly, this is abusive. I see no reason why my request for a corrected Form 1098 could not be taken by CitiMortgage today, even though CitiMortgage is unable to process the request until XX/XX/XXXX. Even if Citi is so woefully understaffed that they can not take calls asking for corrections of tax forms, CitiMortgage should have told me that when they sent the Form 1098, not when I call in to ask for a correction.
Consumer complaint received 2016-02-27
Product: Credit card — 
Issue: Billing statement — 
Company: DISCOVER BANK (FL)

My discover card statement was automatically deducted from XXXX checking, in the amount of {$380.00}. I downloaded the statement and when i calculated the numbers i came to a different amount of {$350.00}. 
these are the amounts from statement. 
XXXX {$37.00} XXXX XXXX {$10.00} XXXX gas XXXX XXXX XXXX this is a credit to acct. I returned merchandise. 
XXXX {$8.00} XXXX gas XXXX {$290.00} XXXX tires XXXX {$380.00} direct pay full balance. 
If you want I can e-mail the.
Consumer complaint received 2021-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (MT)

A credit alert popped up on my credit file from XXXX Credit card services XXXX weeks ago, I contacted them and they said that, the account and social security, address etc didnt match what they had. Yet today tin my XXXX XXXX account a new account was opened. I have a twin brother whom we share the same birthday late and we live next door. I keep being mistake for my twin brother his name is XXXX XXXX and I am XXXX XXXX. Under my profile it had me having a alias of XXXX XXXX thats not my alias, I have XXXX living family members that share the name XXXX XXXX. This has been very stressful trying to clear up.
Consumer complaint received 2022-03-07
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. (TX)

its been over 4 months now and I thought I would get a response from your company after 30 days but it seems my letter is being ignored. I sent the letter on XXXX XXXX but I sill haveng hot any response. I joined an online forum that discusses consumer rights and credit bureau violations and I was told that I could file complaints on CFPB since you are not doing what you're supposed to be doing. I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted. Please reinvestigate and send me proof that you validated everything. I will wait for another month before i take my next steps.
Consumer complaint received 2018-05-24
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. (FL)

I filed an FTC Identity Theft Report on XX/XX/XXXX stating that there is a bankruptcy on my file that I do not recognize and am not sure it is mine. The FTC Report number is XXXX. I faxed a copy of this report to XXXX, XXXX, and EquiFax. I invoked FCRA 605B ( 15 U.S.C. 1681c-2 ) with XXXX, XXXX, and Equifax Both XXXX and XXXX removed the bankruptcy from my credit report with the time required by this statue.

I contacted Equifax on XX/XX/XXXX to find out the status of my dispute. The female representative when on to say, Even though its an identity theft claim, a 30 day re-investigation process is required. '' I requested to speak to a Supervisor, and I asked him about the status of my dispute. Supervisor XXXX repeated the same statement the female representative told me. I mentioned FCRA 605B ( 15 U.S.C. 1681c-2 ) and informed Supervisor XXXX  they had 4 days to remove this from my credit file. Again, he stated they have 30 days to verify the claim. I informed supervisor XXXX   that FCRA 605B ( 15 U.S.C. 1681c-2 ) superceds the 30 day dispute timeframe.

As of the writing of this letter on XX/XX/XXXX Equifax has still not removed the bankruptcy from my credit file. Their delay is impacting my real estate business from securing a loan to run my business.

How can Equifax violate US Federal law and do what they want when the statue is very clear as to what they must do to comply with the law.

I also sent Equifax an Intent to sue letter for failure to comply with FCRA 605B ( 15 U.S.C. 1681c-2 )
Consumer complaint received 2018-05-24
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: Experian Information Solutions Inc. (FL)

After paying off a car loan my credit score went down 11 points. No late payments, no additional debt, no negative information was added. I contacted Experian to get an explanation but they said under the law, they can't give me advise. I argued that I wasn't looking for advise but an explanation since they are they ones that lowered my score. They are hiding behind a law to avoid given consumers reasons why their score has changed, this is unacceptable. It is hard enough trying to correct an error, now they don't even have to explain their actions. They told me to hire a financial adviser to tell me why. So I need to hire someone to tell my why they lower my score? does that make sense? 

The credit bureaus are a monopoly and they know it. People 's lives are in their hands but they seen to cater to the financial institutions more than the consumers.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my 9th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3800.00}
Consumer complaint received 2022-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HIGHLANDS RESIDENTIAL MORTGAGE (TX)

I have given Highlands residential mortgage servicing both verbal and written instruction to remove escrow from my loan. They continue to use delay tactics asking me to send in signed physical documents. I did not agree to a requirement of sending a signed physical copy to remove escrow during the signing of my loan origination documents. I've already given them written notice and instruction to remove the escrow. 

Every month delayed is a month denied.
Consumer complaint received 2020-12-16
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: SYNCHRONY FINANCIAL (FL)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, 2019 and XXXX. XXXX, 2019, SYNCB/PAYPAL, on XXXX XXXX, 2019, SYNCB/AMAZON add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-02-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (RI)

I opened a checking and savings account with Citi bank with promotional offer that if I deposit XXXX on to savings and if I have direct deposit for 3 months on to my checking account I get bonus of XXXX $ within 90 days of opening and maintaining balance..I called customer care after 90 days and their representative told me it will be 120 days..I waited till 120 days then called again..this time the person told I have to wait for 150 days to get the money ..after 6 months nothing happened and i closed the account..citibank are the real cheaters
Consumer complaint received 2018-05-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Not showing how they verified any standing deputes. Never receive a letter on whom they spoke with or how they conducted there investigation. Only stating it was verified but not how. Never received credit report with credit scores. And this from Equifax and XXXX. For a bankruptcy. That should have been removed. It has been removed from my XXXX  credit reporting. Because they have not done there job properly nor fairly I would like all items that I disputed be removed. Thank you.
Consumer complaint received 2022-07-24
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. (TX)

XXXX ACCOUNT # XXXX delete account for multiply inaccuracies. 

DATE OPENED - TRANSUNION XXXX XXXX XXXX HIGH CREDIT - TRANSUNION {$2400.00} XXXX {$0.00} LAST REPORTED -TRANSUNION XX/XX/XXXX XXXX XX/XX/XXXX DATE OF LAST ACTIVE -TRANSUNION- XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-03-07
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. (FL)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2018-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. ()

Good Day, I received the attached letter from the XXXX XXXX XXXX, informing me of a credit score. I am not aware of any credit issues, and I would like to receive a copy of the Credit Report. 

I have tried on line, as well as via telephone, however, i am unable to process my request, as I do not live in the US, and therefore do not have a Social Security #. 

Is there another method for me to obtain the Credit Report, without having a Social Security #? 

Thank you. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MO)

My mother died in XXXX. I found out in XXXX that my bank declared me deceased and froze all my accounts. In XXXX I was able to finally use my credit card, but my autopay was still frozen. All my autopay bills and checks bounced. After many phone calls and complaints I ended up having to close all accounts and open new ones. I lost all my credit which was in the 800s. Yesterday I found out that two of my XXXX siblings have also been declared as deceased, and they do not use the same bank. Yesterday, I spent 45 minutes at the bank trying to figure out how this could happen. My siblings and I each shared a CD with my mom. I think that someone at US Bank marked the three of us deceased when they processed the CDs. The banker told me to have my siblings go to a US Bank to prove they are alive and have the bank call life events. I am still clearing up my accounts and now my two siblings are going to have to spend months trying to prove they are alive, fix bounced payments and credit cards, and try to fix their credit scores. Someone needs to find out where this major error occurred and correct it.
Consumer complaint received 2018-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NM)

While booking a flight on XX/XX/XXXX on XXXX XXXX a popup offered a {$200.00}. discount off the ticket price if I applied and was approved for the Citibank AAadvantage Plantinum Select Card. I  applied for the card and was approved the same day but in trying to use the card to pay for the ticket, which payment had to be made within 24 hours the payment was denied for lack of a cvv number. Citibank gave me the card number of the approved card but said they could not give me the cvv number or a temporary number. They advised me to call XXXX to try to get the payment approved. XXXX   said they could only approve the card with a cvv number and referred me back to Citibank. Citibank again said they would not give me any sort of temporary authorization, thereby making it impossible to use this card to obtain the promotion on this ticked even though it sent me email saying the card was open. I can not use the card until I get the actual card with cvv in about a week, thereby making this promotion false advertising.
Consumer complaint received 2018-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I received a pre-approved auto loan from XXXX XXXX XXXX XXXX in mid-XX/XX/XXXX to be used only with XXXX XXXX. I contacted XXXX XXXX and selected a vehicle I was interested in. They proceeded to solicit financing without my consent from 9 financial institutions. All 9 made hard inquiries on my credit reports on XX/XX/XXXX.
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

On XX/XX/XXXX a total loss payment was received by Santander Consumer USA on behalf of a vehicle loan. The amount received was {$16.00}, XXXX. Santander states that there was a balance of {$370.00} that remained on the account after receiving the payout. This amount was not communicated until after 90 days. Currently on my XXXX credit report it shows a late payment of 60 days beginning on XX/XX/XXXX and 90 days on XX/XX/XXXX while on my XXXX report it shows a late payment of 60 days beginning on XX/XX/XXXX and 90 days on XXXX of XXXX. When asked why there was a discrepancy in the reporting I was told my a Santander representative I spoke to on XX/XX/XXXX that they " do there best to report accurately ''. This is affecting my credit scores tremendously.
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have requested my free report online from Transunion and XXXX and they say that my report is undeliverable online. I then wrote letters to both credit reporting agencies requesting my free annual report and have not received it. I included copies of my drivers license, passport, several documents documenting my current address.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

Upon checking my credit report I have noticed some addresses that do not belong to me. 
I've never resided at these addresses provided below. This will be my second time attempting to have these addresses removed from my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-07
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. (DE)

Despite the multiple previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

LATE OPEN ACCOUNT : XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-12-16
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: Convergent Resources, Inc. (GA)

on XX/XX/2020 Convergent outsourcing collection added a derogatory mark on my credit report per Credit XXXX, XXXX, and XXXX. Upon further research, this account was transferred/sold to XXXX and I am no longer responsible for the account. Debtors Creditor did not verify this collection, Also there was NO form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its Mines. According to the FCRA Convergent Outsourcing collectionhas violated my rights as a consumer and I'm requesting legal action to remove this account immediately.