davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-16
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: Experian Information Solutions Inc. (IN)

These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2019-06-12
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. (RI)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX , XXXX/DEPTOFED XXXX
Consumer complaint received 2015-06-02
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: INTERNATIONAL CITY MORTGAGE (TX)

I am a XXXX and I sent a client to iCity Mortgage in the beginning of XXXX 2015. 
On XXXX XXXX, 2015, we executed a contract for a typical 30 day closing. On XXXX XXXX, 2015 they finally closed it. However, the entire staff that worked on this file, did not work with a " Time is of the Essence '' sense of urgency throughout the entire process. 
At the end of a closing extension for 2 weeks, XXXX XXXX was to be the latest the seller could close, as they had plane tickets and were going out of the country for a month. We were in and out of underwriting because they kept coming up with items that needed to be corrected. Instead of telling us all at XXXX. This took several days. XXXX XXXX XXXX XXXX VP of the company, XXXX XXXX, text me he got the ok from quality assurance and sent email with the docs. The file had been in quality assurance XXXX times because they could n't seem to ask for the correct items that was needed. Underwriting failed to let title know they needed a preliminary HUD for the XXXX lien. It was approx XXXX XXXX when title was informed. Way past closing time. XXXX XXXX after XXXX, quality assurance finally approves the file and releases it to docs out. It was about XXXX before title received notice. Again way past closing time. XXXX XXXX title is does not have instructions from the lender and does n't receive them by end of day. XXXX XXXX XXXX am title receives instructions for only the XXXX lien but not the XXXX lien, no Deed of Trust and the lender did n't put the verbiage on the buyer docs that the buyer will be signing with a POA. XXXX XXXX emails that she was not made aware there would be a XXXX, when it was sent to them several days ago. Another copy is provided to her. XXXX asks XXXX XXXX, if they are going to draw up the DOT and if so to put the sellers wife on it and include a minerals reservation clause in it per the contract. Also to include the vendor'e lien information in the deed. XXXX says they 'll draw up the Deed. XXXX XXXX title still does not have docs for the XXXX lien. XXXX asks for it again. Lender provides DOT with errors. Lender did not have any of the items on the Deed that was requested by title. XXXX XXXX, title orders DOT on a rush from her attorney. Title has the DOT from their attorney within 10 minutes. 
Thankfully, the sellers had barely enough time to sign before catching their flight. 
I have all the texts and emails between all the parties who have been involved in this file. I can send you what you need. Please let me know.
Consumer complaint received 2020-09-16
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)

I contracted Tran-union customer service center about errors on my credit report about unknown hard inquires i never seen before.They refused to help with the issue so im forced to file a complaint. Im a victim of there previous " inquire issue '' i would like these unknown hard inquires deleted report as soon as possible because its effecting my credit. 

List of hard inquires : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Consumer complaint received 2019-10-09
Product: Credit card or prepaid card — Store credit 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. (MD)

Dear Madam or Sir, Here is my problem in few bullet points : 1. I have a CITI VISA credit card ( obtained through Costco ). 
2. I am a XXXX XXXX employee stationed in XXXX, MD with the XXXX/XXXX 3. Our travel policy requires that we make our own hotel arrangements to be reimbursed later after travel 4. I have made a hotel reservation in XX/XX/XXXX to attend a scientific conference end of XX/XX/XXXX as part of my official duties. Check-in XX/XX/XXXX and Checkout XX/XX/XXXX, XXXX XXXX MA. I got to purchase from " XXXX XXXX XXXX '' from the link provided by XXXX. I paid {$1000.00} with my CITI Visa Costco card 5. In the week preceding my travel, I learned from the hotel that my reservation was cancelled by the Travel agency - because of bankruptcy. 
" XXXX XXXX XXXX '' has toll-free and non toll-free numbers that now do not answer. 
XXXX now answers as a voucher company, aways with a message " you have reached us after hours '', even if you call all day hours on a business day. Same for XXXX 6. I filed a complaint by phone with CITI in early XX/XX/XXXX, and they reimbursed the {$1000.00} in XX/XX/XXXX 7. Upon checking my CITI Visa Costco card statement this XXXX, the charge has been re-instated. When I called, I was told that I did not respond to their request for more paperwork. I asked whether it was sent by mail, email, They told me that it was online as I opted for paperless statements. 
8. I always check my account online. The website design and they communication is to blame for me not seeing their message : 9. With all other banks, when they communicate paperless with their customers, they have two options CITI paperless does not have : a. when you log-in to other banks, if they send you a message, you will see an alert ( usually on top of the pages alerting you that you have 1, 2 or  several messages you need to attend to. CITI does not display any alert on the webpage once you log-in b. when other banks send you a message, not only they have an alert with the number of messages you need to attend to, they also send you an electronic communication in the form of an email. CITI did not do that. 

10. The two points a & b made me miss their request for more information 11.  Other banks, have also a third option ( That CITI did not also use ), which is simply to send a paper mail, because of the unusual transaction that would need attention by the consumer. 
12. I called Costco, they referred me to CITI for complaint. 
13. I called CITI, they referred me to VISA for complaint 14. I called VISA, they referred me back to the Bankrupt travel agency .... 

15. I need your help Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, MD
Consumer complaint received 2019-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019, I deposited a check from XXXX XXXX  XXXX XXXX and XXXX XXXX, in the amount of {$470.00} into my local bank at the ATM ( bank of America ). Then when I received my monthly bank statement., that deposit was not listed, so I called the bank and they credited my account for the above amount. I was notified on XX/XX/XXXX by mail that they had indeed credited my account, but were investigating the issue. On XX/XX/XXXX they said in a letter that they had found the original transaction that was referenced, but they were unable to find my check. As a result they reversed the credit to my account, and stated that the dispute was resolved. My next step was to contact the business that issued me the check ( XXXX XXXX XXXX ) and they sent me a copy of the cashed check on XXXX so I provided a copy to Bof A claim department in Arizona. I heard nothing from them so I called on XXXX and they said the issue has been resolved and to contact some fraud company. Obviously that is unfair to just say that it's my loss when the bank is responsible. Here is the claim number for the bank XXXX from Bank of America There is no local branch office to go inside to make transactions in the city where I live, and that is why I use the ATM in the first place.
Consumer complaint received 2023-03-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2019-06-12
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: Experian Information Solutions Inc. (RI)

I have disputed the late payments on XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2019-06-12
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. (IL)

I have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Equifax, XXXX, and XXXX keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

*According to 15 USC 1681 ( 5 ) Equifax XXXX XXXX XXXX and XXXX have to modify or delete accounts that are not reporting accurately *According to 15 USC 1681b ( 1 ) Equifax, XXXX, and XXXX don't have no written premission *According to 15 USC 1681 I have the right to privacy *According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( it ) the information is, in fact, inaccurate. 

I can go on and on Equifax, XXXX, and XXXX have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-02-07
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-16
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. (LA)

In accordance with the fair credit reporting act XXXX U.S Dept of EdXXXX Account # XXXX AND ACCOUNT # 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 Depted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And Account # 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 an account without my written instructions.
Consumer complaint received 2020-09-16
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AES/PHEAA (CA)

I was in administrative forbearance from XX/XX/XXXX to XX/XX/XXXX. Fedloans forgot to apply it and then when I called in XXXX they put it retroactive But they submitted a late payment En XX/XX/XXXX and damage my credit. I send letters and they state we reported you before we apply the forbearance. And even when u forbearance was approved previously in XXXX, we cant fix the credit report. 

XXXX XXXX
Consumer complaint received 2019-06-12
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. (RI)

I have disputed the late payments on XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX,  accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2019-06-12
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. (GA)

I applied for a car loan once and I have to hard inquires on my credit that is affecting my credit score. please remove one of the inquires a credit report is good for 45 days. As I was declined anyway.
Consumer complaint received 2019-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

After watching several videos of XXXX XXXX disagreements with the credit reporting agencies I started reviewing my credit reports. I noticed an inaccurate reporting in a repossession ive been disputing these XXXX XXXX XXXX account with all three credit bureaus for months. All three of them are saying the company has verified the account and it is accurate!!! I have SOLID proof that the credit bureaus are not investigating my concerns, in fact they are constantly bouncing the balance around from {$5700.00} and {$5600.00}. XXXX XXXX says sent me a print out that said the balance was {$6000.00}. What is the correct balance? 
If I am not mistaken the FCRA says you have a duty to investigate. The XXXX Circuit has clarified that the Fair Credit Reporting Act ( FCRA ) requires furnishers of credit informationlike their credit reporting agency ( CRA ) counterpartsto conduct " reasonable '' investigations of consumer disputes. The decision also identifies various factors that determine whether a furnishers investigation is " reasonable. '' The reasonableness of an investigation also depends on " what the furnisher knows about the dispute. '' The XXXX Circuit explicitly rejected the argument that a furnisher may reduce its investigation simply because the CRA failed to exhaustively describe the dispute in its Automated Consumer Dispute Verification ( ACDV ) form. " When a furnisher has access to dispute-related information beyond the information provided by the CRA, it will often be reasonable for the furnisher to review that additional information and conduct its investigation accordingly. 

This account is INACCURATE, not in compliance and a CLEAR violation of my rights!!! Please see screenshots attached!!!!
Consumer complaint received 2019-10-09
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 — Problem with personal statement of dispute
Company: Santander Consumer USA Holdings Inc. (RI)

An account is still showing derogetory when its not, and theres 2 account in that name. The one showing derogatory is ruining my life. Ive settled with that company and negotiated that it be off. I cant get anything done with that on my credit. Its 1 year away from being off but Im trying to get a house. And other stuff. Please get this off or update the derogetory to closed and paid.