davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-20
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. (PA)

A collection debt was previously deleted and a year later reinstated on my credit report. I never received a reinstatement letter from any of the 3 major credit bureaus as required by law. I put in a dispute on XX/XX/2018 and still have not received a response and the item is still on my credit report.
Consumer complaint received 2023-03-20
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. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX Account Number : XXXX I have never been late with any payments for this account. Therefore, I request that you remove this inaccurate data from my credit file immediately as per the FCRA. 

XXXXXXXX XXXX XXXX  Account Number : XXXX There is no record in my possession that this account belongs to me. Therefore, I request that you remove this inaccurate information from my credit report without any delay as per the FCRA. 

XXXX XXXX Account XXXX : XXXX There is no record in my possession that this account belongs to me. Therefore, I request that you remove this inaccurate information from my credit report without any delay as per the FCRA. 

XXXX Account Number : XXXX There is no record in my possession that this account belongs to me. Therefore, I request that you remove this inaccurate information from my credit report without any delay as per the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Since the other credit bureaus were unable to verify this account, I request that you delete this inaccurate account from my credit report as per the FCRA XXXX 

XXXX XXXX XXXX Account Number : XXXX Since the other credit bureaus were unable to verify this account, I request that you delete this inaccurate account from my credit report as per the FCRA XXXX 

XXXX XXXX Account Number : XXXX There is no record in my possession that this account belongs to me. Therefore, I request that you remove this inaccurate information from my credit report without any delay as per the FCRA. 

XXXX Account Number : XXXX There is no record in my possession that this account belongs to me. Therefore, I request that you remove this inaccurate information from my credit report without any delay as per the FCRA. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX - This address belongs to someone else. Please delete it from my report immediately in compliance with the FCRA. 

The following personal information is incorrect Account Number : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY- This is not my employer. Please delete it immediately from my report in compliance with the FCRA. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX- This is not my employer. Please delete it immediately from my report in compliance with the FCRA. 

I request that you conduct an investigation into these items as per the FCRA and respond to me within 30 days with the results of the investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX {$5400.00} XXXX XXXX {$0.00} XXXX XXXXXXXX {$0.00}
Consumer complaint received 2018-10-20
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. (CO)

I have made repeated attempts/requests for XXXX XXXX XXXX XXXXXXXX XXXX, as well as major credit reporting bureaus to investigate billing errors and inaccurate reporting. I have submitted disputes, made clear to creditor and credit bureaus what the errors are ( which are quite obvious ) and I repeatedly get responses to my disputes that the information they are reporting is " accurate. '' The information on my reports are clearly not accurate, yet all I get are generic form letter  responses stating that info is being reported as accurate. I paid XXXX credit card online in full on XX/XX/2016, checking account/payment info was submitted and accepted in their system and the payment was processed. Later, I see that this payment was " rejected '' ( whatever that means - they have yet to explain this to me ) and that they were demanding payment for " unpaid, late balance. '' They continued charging late fees, interest charges, etc. XXXX XXXX repeatedly reported a number of different dates/months which they claim I was late and they currently state that I was 90 days late in XX/XX/2016 when my first bill/payment was not even due until XX/XX/2016. Please refer to additional documentation for a breakdown of this situation and proof that XXXX XXXX XXXX as well as the credit reporting bureaus have been neglectful in investigating my disputes and have been reporting a variety of inaccurate information. I have never had such a difficult time with a creditor and the credit reporting bureaus - this situation has been frustrating, distressing. I am hoping to receive some help for this issue - which has been going on for approximately 2 years now. Thank You.
Consumer complaint received 2018-10-20
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. (CO)

I have made repeated attempts/requests for XXXX XXXX XXXX XXXXXXXX XXXX, as well as major credit reporting bureaus to investigate billing errors and inaccurate reporting. I have submitted disputes, made clear to creditor and credit bureaus what the errors are ( which are quite obvious ) and I repeatedly get responses to my disputes that the information they are reporting is " accurate. '' The information on my reports are clearly not accurate, yet all I get are generic form letter  responses stating that info is being reported as accurate. I paid XXXX credit card online in full on XX/XX/2016, checking account/payment info was submitted and accepted in their system and the payment was processed. Later, I see that this payment was " rejected '' ( whatever that means - they have yet to explain this to me ) and that they were demanding payment for " unpaid, late balance. '' They continued charging late fees, interest charges, etc. XXXX XXXX repeatedly reported a number of different dates/months which they claim I was late and they currently state that I was 90 days late in XX/XX/2016 when my first bill/payment was not even due until XX/XX/2016. Please refer to additional documentation for a breakdown of this situation and proof that XXXX XXXXXXXX XXXX as well as the credit reporting bureaus have been neglectful in investigating my disputes and have been reporting a variety of inaccurate information. I have never had such a difficult time with a creditor and the credit reporting bureaus - this situation has been frustrating, distressing. I am hoping to receive some help for this issue - which has been going on for approximately 2 years now. Thank You.
Consumer complaint received 2018-10-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (NJ)

I was dismayed when I reviewed my XXXX, XXXX and XXXX credit reports and saw that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/2018 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time.
Consumer complaint received 2018-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

It has been over 60 days, since XX/XX/2018, where I have sent in my first round of dispute letters by certified mail ( i.d . theft affidavit and police report ) for Experian to remove the fraudulent information from my credit report in violation of 15 U.S.C. 1681.

This is my second time disputing these fraudulent accounts by certified mail ( affidavit of truth and facts ), since XX/XX/2018, on contacting the bureaus, and since then, I still havent had any results on the fraudulent information being deleted from my report. XXXXx is required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application. 
On XX/XX/2018 I certified mailed a second written request for Experian to remove the still remaining fraudulent accounts that are on my report. They have not provided me with a copy of the original documentation that they have on file. Under 609 and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to promptly delete all information which can not be verified.

Under section 617, the law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' Experian has had over 60 days to complete these actions.
Consumer complaint received 2022-03-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Synovus Bank (UT)

XXXX XXXX XXXX stated they were not a debt collection company. They were working to negotiate a resolution for a debt that was from 2004. The first woman was very rude and kept hanging up when I tried to get additional information. They have called my mother, wife, father, and one of my brothers ( at this point ). I did ask them to stop all contact. I still have no idea what the supposed debt is for. The representative also told me that they are going to do a review of my assets to determine what they will take to resolve this and that a public judgement will be issued against me that my neighbors can see. I believe this is a scam and not sure of this is a reputable company.
Consumer complaint received 2019-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIZENS FINANCIAL GROUP, INC. (NV)

On or about XX/XX/XXXX I submitted a credit application to Citizens Bank, N.A. Shortly thereafter, on about XX/XX/XXXX, Citizens Bank sent me a letter asking for a copy of my state driver license and proof of address. 

On about XX/XX/XXXX I faxed Citizens Bank the documents they requested. The same day Citizens Bank placed an additional hard inquiry on my credit bureau report. 

Subsequently I had to fax the documents several times because it seems Citizens Bank can not afford fax machines that work properly or that lose documents that they actually received. On about XX/XX/XXXX I phoned to ensure the documents were finally received and request information about my application. After 45 minutes on hold, a very abusive and condescending woman told me my application was denied because they are " unable to verify information provided on credit application. '' I believe this woman lied to me. 

The information I was asked to verify was easily substantiated with the driver license copy submitted as well as verification of address by my utility company and XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-05-07
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Around XX/XX/2019 - HomeDepot closed 2 personal and 1 business cards. No explanation was given -- I was told to contact them in writing over the phone and no further assistance was provided. I have paid my balances on time the entire length of my history with them. This is evident in my credit report and high credit score.
Consumer complaint received 2023-03-20
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. (NJ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I want to know why XXXX took 3 months to update my account balance from {$950.00} to {$0.00} and then turned around when I disputed their reporting to TransUnion and pulled a credit check on me to close my credit card which dropped me XXXX points despite paying off my full balance. 

My credit score dropped in one whole month from XXXX ( qualifying score for their card ) to XXXX as a result of them adding and removing remarks to my account on top of shady business practice. 

My score the day they closed it would have been a qualifying one had they properly reported for 3 months. They used a fraudulent score to cancel my credit card in the store as they DAMAGED my score for 3 months and my score went up XXXX points the day they CHANGED my information however my credit score surely would have been within range on the day they did a credit check if they properly reported my balance due. 

Nothing about my accounts has changed since they approved me, they have a full view of my credit history and should not have approved me if they seem me such a risk. 

Closing this account has caused further damage to my score as I sit at XXXX today and would surely be above XXXX if I had that open line of {$1000.00} credit with a {$0.00} balance. 

They must not have realized I make over {$66000.00} a year because there should be no reason for denial especially after I paid their balance in full. 

Attached in photos you will see my credit score as high as XXXX the day I disputed the negligent reporting of my credit score. 

You will see that XXXX and XXXX is still reported as unknown despite the date of account closing. There has been severe mishandling of this account.
Consumer complaint received 2018-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

on XX/XX/XXXX I did a promotional offer on my XXXX card for {$290.00} for deferred interest for 1.5 yrs. My minimum payment went up and I was assuming that XXXX like other lenders was applying my payments to the promotional balance in such a way as to ensure that balance would be paid off first. They weren't. I have 99 days left ( due on XX/XX/XXXX and I have a balance of {$250.00}. I do paperless billing. If I had not clicked on a link I would have never seen that I will shortly be incurring a {$100.00} charge in interest that would cause me to go overlimit and start incurring overlimit fees and potentially late fees as I struggle to bring my account current and not-overlimit. 

This is deceptive payment allocation practices and when today XX/XX/XXXX I contacted XXXX I was informed of their policy which is to apply only amount OVER the minimum due to promotional balance ( I didn't realize that so their disclosures if there we any, are not obvious enough ). This practice seems very deceptive and encourages their consumers to get into overlimit situations which can also impact their credit. Set up to fail!
Consumer complaint received 2018-10-20
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. (VA)

On XX/XX/2018, I discovered negative credit item, XXXX XXXX, Acct # XXXX, ( original creditor XXXX XXXX ) had been re-inserted into my credit file AFTER they were NOT able to validate it. CRAs are required by the FDCPA to notify me within 5 days of re-inserting a previously deleted account. No such notification was received. Please DELETE this item immediately.
Consumer complaint received 2018-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

I HAVE SPENT OVER A YEAR AND HUNDREDS OF DOLLARS TRYING TO HAVE MY CREDIT REPORTS UPDATED WITH ACCURATE INFORMATION. ALSO TO HAVE OLD ACCOUNTS ANDOR DISPUTED DEBTS REMOVED. XXXX HAS INCORRECT AND NOT UP TO DATE AVAILABLE ON MY CREDIT REPORT. THIS IS OUT OF HAND. I HAVE OPENED MY OWN BUSINESS AND HAVE SUFFERED THE RESULTS OF POOR CREDIT REPORTING BY THE THREE MAJOR CREDIT REPORTING AGENCIES.
Consumer complaint received 2022-07-25
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. (CA)

Upon reviewing my updates, there are several unauthorized inquiries and incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are unauthorized and the following personal information were inaccurate and needs to be deleted immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2018-10-22
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was informed my name would of came of on this Mortgage with Bank of America. I submit all proper form I don't reside at the XXXX, Florida that showing my name. It's 5 years my name is on Credit Bureau please help me get my name of the mortgage. Here 's my Email address XXXX XXXX, XXXX
Consumer complaint received 2022-03-11
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. (GA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX {$5400.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00}
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (CO)

I have been trying to resolve this issue with PNC in regards to my mortgage and they have been unable to assist me with the matter. I have been on time with my payments and the late payments are reporting inaccurately and should be removed from my credit report. 

PNC also has the payment status reporting inaccurately. They have me listed as Late 120 and Late 150 days when the balance is at {$0.00}. I have been educated about this and it is an infraction and is an FCRA violation!! This needs to be adjusted immediately.
Consumer complaint received 2018-10-20
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. (UT)

On XX/XX/XXXX I realized that I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXXXXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2018-10-20
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. (MA)

I receive paper statements every month for my credit card. We get so many emails that it's the only way i can be sure to see my statement, check it and pay it on time. We just received a late payment notice and realized that we never received our XX/XX/XXXX statement in the mail. Somehow, we were enrolled in paperless statements. The bank says they have a record of that selection from an online session on XX/XX/2018. If I was online that day ( who can remember? ), I never elected this service. I believe the bank erroneously ( if not fraudulently ) enrolled us without our permission. This caused us to miss a statement and a payment. The bank was nice about this and waived both the interest and late fee - for which we are grateful. But I am still concerned that others are being forced or tricked into selecting paperless if they do not want it.