davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments
Consumer complaint received 2022-12-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (CA)

Went to Citi Bank in XXXX XXXX with wife and {$500000.00}. dollar cashiers check from XXXX XXXX XXXX. Wanted to open two {$250000.00}. XXXX 's, After waiting for 45 minutes for paperwork it turns out they can not take one cashiers check to fund both accounts!!!!!! 

Next day got two {$250000.00} dollars cashiers from XXXX XXXX XXXX  and again they would not take checks because they were both in my name and they couldn't except my check to open my wife 's account. I am a senior citizen with years of banking and never heard of the above! I We were the only white people in the bank on both visits and maybe XXXX profiling! 

Went across the street to XXXX XXXX and they took our money for both accounts and gave us a better rate.
Consumer complaint received 2022-05-18
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2019-07-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (AZ)

In XX/XX/2018 I moved out of the apartment complex, " XXXX XXXX XXXX '' located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The address I vacated was XXXX XXXX XXXX XXXX XXXX   XXXX XXXX AZ XXXX. The unit was referred to as XXXX with the unit being the letter XXXX not the number XXXX. We gave our forwarding address to the management of XXXX XXXX   XXXX so that they could contact us if there were any problems. The management of XXXX XXXX XXXX never contacted any of the lease holders, XXXX XXXX, XXXX XXXX or myself XXXX XXXX XXXX. Months later I received a collection call from a company asking me to pay for damages. Our apartment was not damaged, and the XXXX XXXX XXXX was and is on my Renter 's Insurance through XXXX as a interested party. The complex could have filed a claim through Renter 's Insurance if there was a legitimate damage. XXXX confirmed that no claim had ever taken place. XXXX XXXX XXXX was non responsive to any attempts at communication. XXXX XXXX XXXX and their agent in debt recovery never took correct action after the debt was disputed. They never showed any record or proof of damages only that they had a bill from a company. I never agreed to nor did I ever see the alleged damage. Furthermore I never received an opportunity to pay damages before the debt was reported on credit. The debt collection company refused to pull the debt from my credit. 
XXXX XXXX  XXXX reported no forwarding address to the collection agency that was used, yet they had a forwarding address and never sent correspondence to that address or used any telecommunication or legitimate communications means to discuss the debt with any responsible party. 
My suggested resolution is to have the debt pulled from all credit reports and payment will be made with certified funds to XXXX XXXX XXXX within 30 days of receipt of credit correction.
Consumer complaint received 2019-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

Experian, XXXX, XXXX  Are reporting items that are old that were included in a chapter XXXX bankruptcy some accounts are closed with a XXXX XXXX5 years old.
Consumer complaint received 2015-11-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (NC)

Experian will not allow me to use their online services to temporary lift my security freeze. I wrote them, but they did not respond. Experian is forcing me to send my personal information threw the mail risking the theft of mu social security number, security freeze password and my date of birth. They do not provide a means to talk to a real person and they do not respond to written requests and questions.
Consumer complaint received 2019-07-28
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. (NV)

My credit report had an account listed that are not mine..I have no idea who this company is and why it ended up on my credit report.. I disputed the accounts with the credit bureau as " not mine '' but it recently came back as verified..I have never had an account with these companies..Please delete immediately before further harm is done.. This is not my account XXXX XXXX
Consumer complaint received 2019-01-27
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. (MO)

After disputing these inquiries the reporting agencies investigation came back verified. However, I'm requesting the Method Of Verification as my rights via the FCRA and if I'm not given all the methods of verification as I'm requesting then these inquiries shall be removed as they are unauthorized. The following inquiries are ( 1 ) XXXX ( XX/XX/XXXX ), ( 2 ) XXXX XXXX ( XX/XX/XXXX ), ( 3 ) XXXX XXXX ( XX/XX/XXXX ), ( 4 ) XXXX XXXX XXXX  ( XX/XX/XXXX ), ( 5 ) XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ), ( 6 ) XXXX XXXX ( XX/XX/XXXX ), ( 7 ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), ( 8 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2019-01-27
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: CITIBANK, N.A. (OH)

My problem is with CitiBank, I received a new card from them in XX/XX/2018, they offered a 0 % balance transfer which I took advantage of, I make all my payments on time I pay more than the minimum amount. I never received a statement from the bank until they sent me a collections notice in the mail, and during this time I was taking my husband to hospitals and numerous doctors as he is a XXXX XXXX   XXXX Veteran XXXX. I informed CitiBank that after my first bill, I always set up automatic payments, they informed me that they would remove this from my report but never did, my score dropped 60 points and it's the only derogatory item on my report and as I pay it down they keep lowering my credit limit to make it look like I'm always maxed out, which keeps lowering my credit score. This is unjustified. Thank you for any assistance.
Consumer complaint received 2019-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

XXXX XXXX XXXX do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply..
Consumer complaint received 2022-08-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (MD)

Hello, I received collection on my credit report. Before receiving derogatory on my account. Carpio partners never informed me of any debt, but instead sent me straight to collection. I sent mail but no response ; disputed using three agencies but always come back as verified. I dont remember owing any hospital cos I have insurance which covers 100 of my debt. I called today XX/XX/XXXX to request for debt validation to know when and how I got the debt. They informed me I wont be getting no debt validation which is crazy as even the so called hospital is unknown to me. I have no way of fighting this without involving the government to check this as consumer law rights was/had violated. I ask/plead with CFPB to request debt validation or how debt correlate to me in order to make a move on this account as my account already is on heavy identity theft and this could be one. I need a debt validation or have item removed from credit file as its messing up my credit report. Also I see XXXX law appear on credit report but different company called Capio partners. It becomes frustrating when you cant trace the cost of debt. If I own it why not prove it to me its mine? 
It was first sent XX/XX/XXXX and again repeated XX/XX/XXXX.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (CA)

I had an issue with a flight cancellation in early XXXX that qualified me for the trip protection insurance that is offered to all Chase XXXX XXXX credit card customers. It has been almost 3 months and I still have not received any response. I had followed up with Chase, they keep sending me to a 3rd party insurance provider, who told me that they still have not received any documentation regarding the trip, even though I have uploaded / sent these documents to them 4 times, emailed to follow up and still have heard nothing back. [ Ironically I had even received an email from eclaims, the 3rd party insurance provider, saying that all my documents have been updated. Similarly, when I logged into the claims website it also says that all documents have been uploaded. I asked Chase for help but they told me there is nothing they could do. This is clearly a violation of the contract - which Chase offers to customers that feature.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-11-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (OH)

I began working with AmeriSave on XX/XX/21, the initial conversations were prompt but they were quick to make me feel pressured to pay the {$500.00} application fee to begin this process. Any time they asked for documents I was responsive and gladly did whatever needed, but I don't feel I got the same in return. There was a distinct lack of communication internally with the company, it was a pretty regular occurrence where one person told me one thing and someone else said something entirely different. From amounts I owed for closing to what was getting paid off, I never got a clear answer from anyone. It wasn't until I read through my entire packet of closing documents that I realized things had really gotten out of control. I called AmeriSave the night before closing for clarity, and thought things were squared away, made the second wire transfer to the title company ( because at this point, three days earlier, I was told I owed less than the closing documents said, in addition to being told that all of my debtors were being paid off, which turned out they weren't ) Despite that, in my ignorance, I signed the paperwork. That afternoon, I realized that second wire transfer got returned back to me. I immediately reached out to AmeriSave assuming they would reach out to the title company, but I was made to feel as if it were my error and my problem to solve with no help from them. Turns out the amount they told me I needed to close was wrong by an additional $ XXXX, which is why the title company rejected my wire. After speaking with the title company, who confirmed they received the initial payment and that I did in fact still owe the extra money, I reached back to AmeriSave to see what caused such a difference and where things had fallen apart. They told me they were waiting to hear back from title to get clarity but when I spoke with the title company today ( XX/XX/21 ) they said they had in fact not heard from anyone at AmeriSave regarding the issue. I ultimately decided I wanted no part in doing business with AmeriSave and wrote them stating that I am cancelling the transaction. That prompted a call from someone I hadn't heard from since the beginning stages trying to man-splain their way out of losing my business, where I again told them I was cancelling the transaction and needed all of my money back.
Consumer complaint received 2019-07-28
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: Experian Information Solutions Inc. (ID)

This issue is an existing problem which XXXX, Experian and XXXX  weren't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX****
Consumer complaint received 2022-05-18
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. (NY)

In accordance with the Fair Credit Reporting Act, the below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

The following have violated my rights : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states consumer reporting agency can not furnish an account with my written concern.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-18
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. (OH)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number 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 2022-05-18
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. (FL)

Im complaining on experian XXXX and XXXX after they have told me to get a approved police repoRt that my identity has been stolen which took the detective 10 months to finall Approve my identity was stolen by an ex roommate and boyfriend of mines years ago they will not accept my documents i have been doing this for months and the detective did a thorough investigation for 10 months before he approved the police report i need XXXX XXXX  to get this off my credit report asap the email address they have on file is incorrect to mines telephone number and bank account that the payments were made from didnt match my bank account at all..the address they have on file is not affiliated with me..they even have a password on the account that i can not identify which i have the recording of several agents i spoke too.i even advised all three credit bureaus that i can not speak to XXXX XXXX because i can not identify the correct information on the account and they still refused my police report and also XXXX XXXX refused to send me a fraud affidavit packet to have the detective fill out as approved investigationjust because a company can verify first and last name and date of birth and social doesnt mean that they acknowledge the account or have any affliction with it..i never even had license for over 5 years to even get a vehchile i have a medical condition/disablity i have a fraud alert on my profile for over 5 years
Consumer complaint received 2019-07-28
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. (ID)

I do not owe XXXX/XXXX XXXX****.. I don't acknowledge the creditor. In relation to the debt, I do not own it, I've been denied credit because of this erroneous information. All I ask is that you delete this information from my credit report right away
Consumer complaint received 2021-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE (WA)

On XX/XX/XXXX. i purchased some auto parts from XXXX XXXX. I purchased some new seats and controls for my truck. The total charge was to be {$700.00}. The owner said i had to pay {$300.00} to hold the parts then he would charge me the remaining amount after they confirmed they had the parts. It made sense to me. I soon noticed they charged me the same amount of {$300.00} four times on that date and went on to charge me 29 times more. I Called Barclay Credit card and informed them i suspected fraud. By then there had be 7 or 8 charges. The rep told me it was obvious what was going on and that the fraud dept would deal with it but i did not need to cancel my card at this time. After about {$8000.00} in charges Barclay agreed that they should cancel the card and issue another. No parts were ever sent to me. They were supposed to show up as freight on XX/XX/XXXX, signature required. Initially Barclay reversed the charges then later re-billed them to me. I ask several times to talk to an investigator to explain the situation. In order to do this you have to wait on hold for about an hour. This alone is stressful, especially since i have very very XXXX XXXX XXXX. I have never talked to an investigator for fraud from barclay. The owner of XXXX openly joked to me that he got me. I have never received any parts and i have been bill nearly {$9000.00} This is wrong and needs to be addressed. It just seems as if no one is really looking into this. I am a retired XXXX XXXX and i called the auto parts store several times. I called so much he began refusing to talk to me. The owner thinks this is all a joke and mocked me by saying we got your $ XXXX and you aint getting it back. Barclay fraud investigators should be equally as upset as i am. I am insured by law against such charges. What surprises me the most is that no one from Barclay as ever called to ask my side of what happened. Very disgusted in their investigation.
Consumer complaint received 2019-07-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I was on the HAMP with XXXX and after 5 years of 2 % interest rates my mortgage was to increase after 5 years 1 % a year until it max at 4.25 then it would remain fixed. Then my mortgage was transferred to XXXX XXXX XXXX and my loan % rate increased..they said they would follow up ... and never received a call back nor could I get in touch with anyone.. Now my mortgage has been transferred again to Select Portfolio Servicing and now my fixed rate had gone up again to 4.875 %. Im XXXX years old and I feel that Im getting no where with these company and Im on XXXX and have to chose what gets paid and what I cant eat this month to pay this bill.
Consumer complaint received 2022-12-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Consumer complaint received 2019-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (FL)

I stopped using my american express card 4 months ago and american express actually you owed me money {$210.00} which paid back and they still owe me cash back money. Today I get a balance for {$3600.00} under " adjustments '' so I called amex and they could not give me an explanation of what those adjustments were coming from so they gave me a reference ID number XXXX and that it will take up to weeks to resolve this investigation. I have not used this card in 4 months, where are these adjustments coming from? 6 to 8 weeks to resolve what? unacceptable.