davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
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: LEXISNEXIS (IL)

In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions I have not given anyone permission to buy, sell, share my personal credit information with anyone. I want these account deleted immediately. My right to privacy is being violated and the law has been provided to you. 
Only my credit card was agreed to and my bill payment with XXXX XXXX
Consumer complaint received 2022-03-12
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: TD BANK US HOLDING COMPANY (TX)

I ask all three credit bureaus XXXX to remove the following accounts/inquiries due to identity theft. 
Accounts 1. Nordstrom 2. XXXX XXXX  3. XXXX XXXX XXXX XXXX  4. XXXX  XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX Inquiries 1. XXXX XXXX 2. XXXX 3XXXX XXXXt 4. XXXXt 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX 9. XXXX 10. XXXX XXXX 11. XXXX XXXX I have written multiple letters/ftc reports demand proof that accounts/inquiries were authorized by me. But so far, the three credit bureaus have not sent me proof of authorization of credit of my behalf but merely state that account have been verified without showing proof. I demand these fraud accounts be removed from all three credit bureaus reports of mine due identity theft.
Consumer complaint received 2022-10-15
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)

On XX/XX/2022, I disputed an account reported by XXXX XXXX XXXX in the file you maintain under my Social Security number for the. first time. I was informed on XX/XX/2022 that the item was deleted from my credit report. Now I have discovered that the item has been inserted on my credit report on XX/XX/2022 for the second time after it was removed yet again on XX/XX/2022. Then it was removed on XX/XX/XXXX and was recently inserted back on XXXX XXXX. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.
Consumer complaint received 2022-03-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The lending company on my mortgage was assumed by a new company and name. My mortgage payment was on automatic bill payment and went to what apparently was an old account number from before the lender changed. I spent months with the company trying to track down multiple payments. Once we finally found the payments and they applied them to my account, they still reported a late payment. The company mailed me a physical letter stating it was their mistake. I submitted this to the credit bureau, they investigated it, and it still show a late payment even though they have documentation from the lender.
Consumer complaint received 2022-03-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (OR)

I am from XXXX but had a fire in XXXX XXXX emergency health coverage  the XXXX health plan XXXXXXXX. All other creditors filed there claims but these guys. They placed it on my credit report. Like every other collection agency i have ever talked to they do not care to hear that they are wrong about anything. In XXXX they are particularly immune from falling any laws. They hung upon me and of course are on a power trip. Welcome to 2022.
Consumer complaint received 2018-11-26
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (IA)

I opened a checking and savings account package in response to Citibank 's bonus promotion. The promotion was open a checking and saving accounts package, deposit at least {$15000.00} into the combined accounts, keep it for at least 60 days. Then within 90 days after meeting requirements, {$400.00} bonus will post to my account. 

I opened the accounts and deposit XXXX on XX/XX/18. The XXXX had to remain for 60 days until XX/XX/18 but I kept it there until now. Now 90 days after XX/XX/18 and I've not received the bonus as promised. I chatted with the Citibank agent and he didn't know about the promotion. I told him to XXXX it since the promotion is still on going until XX/XX/2018. I then called a different agent and he said he will investigate. 

Checking online, many people are having this problem that Citibank promised the bonus but doesn't deliver until customers filed complaints with the CFPB.
Consumer complaint received 2021-05-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Halsted Financial Services, LLC. (VA)

On XX/XX/2021, I received a phone call from Halsted Fin. Svc. at XXXX. 
I have gotten frequent calls from them throughout the day for the last 3-4 weeks or more and when I answer the call, no one responds.
Consumer complaint received 2021-05-12
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (FL)

I have attached my call logs from my cell phone from the last few months. I blocked one number so they started to use another. I have asked them to stop calling. I asked over the phone AND I mailed a letter to their office. Below each number is a list of the dates they called me XXXX XX/XX/XXXX, twice XX/XX/XXXX, twice XX/XX/XXXX, once XX/XX/XXXX, twice XX/XX/XXXX, once XX/XX/XXXX, twice XX/XX/XXXX, twice XX/XX/XXXX, once XX/XX/XXXX, twice XX/XX/XXXX, twice XX/XX/XXXX, once XX/XX/XXXX, once XX/XX/XXXX, once XX/XX/XXXX, once XX/XX/XXXX, once inXX/XX/XXXX XX/XX/XXXX, twice XX/XX/XXXX, twice XX/XX/XXXX, twice XX/XX/XXXX, once There is more seen in the call records for that number but I think those are sufficient for you to see the harassment from the one number alone The second number they started to use after I asked them to stop calling and blocked the first number is XXXX XX/XX/XXXX, so far once but its in the early afternoon so who knows if they will call again XX/XX/XXXX, once XX/XX/XXXX, once XX/XX/XXXX, twice XX/XX/XXXX, once XX/XX/XXXX, once I have now blocked this second number as well.
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

I am applying for a parent plus loan for my daughters college tuition and Experian is telling me that I have to send a WRITTEN REQUEST TO HAVE MY CREDIT FREEZE LIFTED!! 

I don't have that time for snail mail! My college students college needs to pull credit to determine eligibility and it needs to happen and get approved by next week!! 

I called customer service and it WILL NOT CONNECT ME TO A LIVE PERSON!!!! I called within business hours. I am FURIOUS!!!! 

This is unacceptable and could ruin everything. 

EXPERIANXXXX XXXX XXXX
Consumer complaint received 2022-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE (TN)

Our house has been sold and we requested a payoff statement from AIM Loan for XX/XX/2022. Our payoff statement was issued as good through XX/XX/2022. We had an issue with the sale and the new closing date became XX/XX/2022. On XX/XX/2022, I sent a message stating that our mortgage would be paid off, and making sure I did not need to make any payments since a payoff statement had been requested. AIM responded in the affirmative, that it is policy I did not need to make any payments once a payoff had been requested. On XX/XX/2022 I received a letter that we were late on our payment and had been assessed a late fee. My husband called AIM to tell them that we had already checked about not paying this month since there was a payoff coming. The AIM customer service person was obstinate that if they did not receive payment by XX/XX/XXXX, they would be reporting to our credit and they had already assessed a late fee. Now AIM wants to report to our credit that their payment is 30 days late and assess us a late fee and charge us an extra {$500.00} or so. They have refused to hold to their previous statements or their own policies and are simply trying to steal even more money from us.
Consumer complaint received 2022-03-28
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. (WI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2021-05-11
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. (FL)

I started to dispute a bankruptcy back XX/XX/XXXX with all three Credit Bureau 's i provided them with the court doc 's showing the bankruptcy was dismissed and no account where filed under the bankruptcy. After a second letter on XX/XX/XXXX XXXX XXXX removed the bankruptcy with the provided documents from the courts showing that is was dismissed with no filing. The same letter and information was sent to Equifax  & XXXX  and they didn't removed it but states they where able to verify it. On XX/XX/XXXX i sent another letter to Equifax & XXXX  showing them that XXXX XXXX removed the bankruptcy back in XXXX. A month or so later they responded again with a letter stating it was verified. After even calling them i still got no where. This is really hendering me and my life. I know by law all three bureau 's must report the same information. I need something to be done.
Consumer complaint received 2015-07-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (CT)

Caliber Loans keeps paying the wrong property parcel ID to my town so effectively my taxes are unpaid and I now have a lien threat or actual lien on my home. I 've been calling them and faxed them the tax notices at least XXXX time since the issue began in XXXX of 2014. I can only reach the customer service dept and they ca n't do anything and I ca n't call the tax research dept who is responsible for fixing the error. The parcel ID needs to changed, I provided the information and nothing has ever been done to my knowledge.
Consumer complaint received 2023-12-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MN)

I am not liable for this debt of {$260.00}. With XXXX XXXX XXXX Account number XXXX. I never had a contract with this debt collector for any debt. They did not provide me proof of the original contract as I requested and proof of my wet signature and ID verification and also did not provide me proof of purchase agreement as I requested. To show full ownership is such account and also other documents so I may review to see if this is actually an account that belongs to me.
Consumer complaint received 2022-10-12
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: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Date Opened XXXX XX/XX/2017 Balance : {$0.00}
Consumer complaint received 2024-03-07
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-26
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 fair credit reporting act XXXX Accounts, Account Name XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Has violated my rights. 

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 2022-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-03-12
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. (MD)

I am becoming extremely frustrated with the companies in question in this complaint. I have sent them a multitude of complaints on the alleged accounts and have failed to receive the proper responses on any of them. I am attaching all documents necessary to have these accounts listed on my credit report removed and I would like that to be done so immediately. These accounts are causing harm to my ability to sustain proper employment and housing. Please remove immediately
Consumer complaint received 2022-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/XXXX I visited the XXXX CT Bank of America branch to close a joint checking account with myself and my father XXXX XXXX XXXX, who passed away on XX/XX/XXXX on it. Estate Services of BOA has all the required paperwork to allow me to close this account as it was needed for me to access the safe deposit box ( i.e. the death certificate ). A note was on the XXXX door to visit the XXXX location which I did, to find XXXX closed as well and note stating to visit XXXX XXXX which was also physically closed as was the XXXX location. I then called Estate Services and they agreed to close the account but said a check would be cut on XX/XX/XXXX and be mailed on that date and to allow 7 days for it to arrive at my home in XXXX. I have not received the check as of today XX/XX/XXXX. 

I called today ( XX/XX/XXXX ) and waited XXXX minutes before speaking with XXXX in Estate Services who went to research what was happening on the account before we got disconnected. He never called me back as I learned that BOA does not have the ability to have their customer service representatives to call out. What type of customer service it that? They expect their customers to call them back hence the incredible long wait times! I called back to learn this and waited longer than XXXX minutes the 2nd time and also tried on-line chat! I can prove this to you if needed. There has not been one time when my wait time is less than XXXX minutes - not one! This time the representative, XXXX was rude and insensitive. She refused to look to see if the check was cut and told me I misunderstood what I was told, that it was a solo account and that Estate Services would not have handled it and that I needed Customer Services and she transferred me somewhere where I got stuck in a phone loop for mobile banking! I got out where I left my phone number for a return call and about an hour later I got a return call and believe it or not the representative that called told me to close the account I needed Estate Services!!!! I knew this as Estate Services on XX/XX/XXXX told me they were going to cut the check and would have it done on XXXX. Where is my check!!!!! I told this representative not to send me back to Estate Services based on the fact that XXXX was rude and had sent me to a phone loop and I had already tried twice today, wasted too much time and that they do not call someone back when they are disconnected. The representative agreed they do not have the ability to call a customer back, they only can receive calls and agreed this is not the best customer service they can provide and expressed sympathy for my loss. I give up with BOA, they have my money and don't seem to want to give it to me. I need your help.
Consumer complaint received 2022-09-26
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: EQUIFAX, INC. (NY)

I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 


XXXX XXXX XXXX, 2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2021
Consumer complaint received 2023-09-11
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: Experian Information Solutions Inc. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : 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