davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my FURTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$14000.00} ; XXXX XXXXXXXX Balance : XXXX ; XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2021-10-28
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. (CA)

I'm a consumer in fact as defined under 12 CFR 1006.2 ( e ) I need validation and demand that the consumer reporting agencies abide by the federal law ( FCRA ). As a consumer, pursuant to 15 USC 1681 ( a ) ( 4 ) I have a right to privacy, Im being denied credit due to the reporting agency 's invalidated report, and pursuant to 15 USC 1681b ( a ) ( 2 ) reporting agencies must have my written instructions and consent to furnish my report.

Every time I filed a dispute, the reporting agencies keep telling that they are working on it and no result. I am submitting a " NOTICE OF FAULT '', before filing my lawsuit.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

After the account was closed, I provided images of all the mail I received, which indicates that my mailbox address is correct since I received all their correspondence. I find it strange that I didn't receive the previous check, but now I have filled out the form again requesting you to send a new one. I hope you will send me the new check as soon as possible instead of delaying it. I have my own living expenses to cover with this money, so please don't make it impossible for me to live. It's really upsetting. 
After my account was closed, I haven't been receiving the checks, and there have been continuous delays. When I requested a resend and inquired with customer service about the timeframe, they said it would be XXXX XXXX  later. I'm truly furious. I needed it urgently, and this delay is seriously affecting my life. Why do they keep lying to me, saying it would take just over XXXX business days, and then repeatedly giving me new problems to wait for?
Consumer complaint received 2022-03-21
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: Experian Information Solutions Inc. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days. I filed a 30 days demand to comply with the credit bureaus and still have yet to receive a responds.
Consumer complaint received 2022-05-17
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. (MD)

I had a XXXX ( labeled as XXXX  in the credit report ) account that was closed on XX/XX/XXXX. My Equifax credit report showed that it was closed on that date. However, the payments on that account were registered for XXXX ( after the account had been closed ) instead of XXXX. Because there were late payments, this made me unable to be approved for a mortgage because the lender stated that those payments were still within a year of my application. To be clear, the late payments ( and all payments for that matter ) occurred in XXXX before the account was closed, and not in XXXX. This error only occurred in the Equifax report. 
I reached out to the lender and tried to resolve the error and they informed me that they had sent information to Equifax to fix the problem. When I saw no changes, I raised a dispute on Equifax three times and each time they would contact me and let me know the dispute had been completed, but each time, the error remained on the report. I kept trying to inform the Equifax representatives of what was going on and how frustrating this was given I was in the middle of a mortgage application, but they kept reciting the same generic information and advising me to raise another dispute.
Consumer complaint received 2022-05-17
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. (NJ)

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 2015-07-17
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I lost my bank account card one day, and did n't know I did for a few days. I then saw my account was going in to negatives that I did n't know about I then reported to the bank that I lost my card. And when that happened I asked that my account be closed. The issue is I tried to open another bank account recently and was told that there is some issues going on with my account with fraud that I had no part in. I believe someone found my card and hacked into it and used it for illegal purposes. Please help me.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Credit Bureau is showing me a score of XXXX after I provided documents ( receipts ) to show an old collection account had been settled. Applied for a refinance and Equifax reported a XXXX score to the lender. This is deceptive. 
I am aware that a mortgage score is calculated differently but my scores from XXXX and XXXX are in line with what shows when I log in. Why is Equifax different?
Consumer complaint received 2022-05-17
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 Acct # XXXX, XXXX Acct # XXXX, XXXX  Acct # XXXX and XXXX XXXX Acct # 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 2022-12-09
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. (FL)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items will be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-17
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: Bread Financial Holdings, Inc. (FL)

There appears to be several actions of fraud on my credit history report over the last couple months. The specific actions that are incorrect and fraudulent include : XX/XX/XXXX : New Inquiry XXXX XXXX XX/XX/XXXX XXXX New Account ( opened as of XX/XX/XXXX with an initial balance of {$780.00} ) XXXX XXXX XX/XX/XXXX : New Address Updated address to : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XX/XX/XXXX : New Inquiry COMENITYBANKXXXX  None of these actions were taken by myself and all are fraudulent. My credit score has since dropped by XXXX points from XXXX as of XX/XX/XXXX to XXXX as of XX/XX/XXXX.
Consumer complaint received 2022-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (WA)

On or about XXXX XX/XX/2022 Goldman Sachs received a cashiers check XXXX from XXXX XXXX on behalf of Myself, XXXX XXXX XXXX and my Spouse XXXX XXXX XXXX for payment on are Apple XXXX accounts XXXX and XXXX. On XXXX XX/XX/2022 Goldman Sachs processed the check. As of today XXXX XX/XX/2022, the proceeds from that payment have not been applied to either of our accounts. I have spoken with Goldman Sachs on at least 4 different occasions regarding this issue. I have been told they are elevating this concern. In the interim I and my spouse have to continue making payments on accounts we have already paid in full.
Consumer complaint received 2022-05-17
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. (LA)

Right now I am bothered! This is my last and final attempt to file a complaint in the XXXX BUREAUS. I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX BUREAU the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The following accounts are listed below : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$29000.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2021-10-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

I was attempting to do a loan modification with XXXX XXXX XXXX XXXX XXXX on XXXX XXXX they mailed a letter stating that they received my workout package although the was dated XXXX it was not received until XXXX. I called and they informed that would not be completing the process with me. They sold the loan to RUSHMORE and they would be continuing the loan modification with me, but instead the where in the foreclosure process at same time. I advised both rushmore and XX/XX/XXXX that this was unlawful. I am victim of dual tracking.
Consumer complaint received 2019-07-18
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. (TX)

As of XX/XX/XXXX XXXX XXXX XXXX updated my credit report by continuing to report a 90 day late for XX/XX/XXXX. The issue here is that all of my loans were placed in forbearance during the time that the 90 day was reported. 

Facts : XXXX ID # XXXX completed a forbearance on my account that started XX/XX/XXXX and ended on XX/XX/XXXX. 

XXXX ID # XXXX completed another forbearance on my account that started on XX/XX/XXXX. 

A forbearance is a LEGAL AGREEMENT that allows the account holder to temporarily stop making federal student loan payments. 

Later on XX/XX/XXXX a 12 month IDR plan was placed on my account. 

In accordance with The Fair Credit Reporting Act ( The law intended to protect consumers from misinformation being used against them ) XXXX  XXXX XXXX is not in adherence due to reporting a 90 day late on my credit file and continuing to keep reporting it even though they are fully aware that my account was under the XX/XX/XXXX - XX/XX/XXXX forbearance completed by employee ID # XXXX. 

XXXX XXXX XXXX has not provided any information that states that they will report negatively to the credit bureaus while under an approved forbearance. I have faxed in documents, called in, and emailed regarding this issue.
Consumer complaint received 2021-07-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (TX)

I had gotten behind on my XXXX XXXX Credit card through Commenity bank. I was contacted by them in XXXX and had set up a payment plan of {$20.00} per month until I could get caught up. I later found out that they had changed the payment plan to {$47.00} per month without my permission and then terminated the payment plan and proceeded to charge me outrageous over balance and late fees. When I accessed my account online I learned that not only had they done this but that someone had changed my contact/security number to that of my ex-wife who they would have no way of knowing or reason for contacting since this account was established several months after our final decree of divorce was issued. I changed the number back to mine. Funny thing is that they were able to contact me by phone prior to this time which was the same number I provided as my security number. When I attempted to report the mishandling of the account I was bounced back and forth between departments each time sent back to the payment collections department without any regard for the mishandling of my account or the consequences thereof. When I attempted to speak with someone in the fraud department she told me that no such payment plan of {$20.00} per month was done by them and when she promptly forwarded me to the payment collections department they subsequently offered to start a new payment plan of {$20.00} up to which point I had not mentioned to the woman I was speaking to. They were misrepresenting the facts and to add further insult the woman was gossiping to an associate about my irritated state when she thought that I could not here her and they were laughing. Please help me to remedy this situation. Thank you for your time and consideration in this matter, XXXX XXXX XXXX
Consumer complaint received 2021-07-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I signed up for a Citi XXXX Promotion through my Citi XXXX XXXX, promising {$700.00} if I added {$50000.00} or more ( new to Citi ) to a new Citi Priority Checking and/or Savings combined and hold them for 60 days. By XX/XX/XXXX, I deposited {$57000.00} into the Checking and Savings from non-Citi Banks, and maintained at least {$50000.00} combined since that date. I was supposed to qualify after 60 days from XX/XX/XXXX, however I did not get notified about my qualification, so I called and asked and they created an inquiry for me on XX/XX/XXXX. On XXXX/XXXX/XXXX they notified me that I did not qualify for the promotion because I did not maintain the {$50000.00} minimum balance, which was untrue. I called back on XX/XX/XXXX and the Supervisor agreed with me, and created a note to reopen the investigation due to his review that I qualified. I called back on XX/XX/XXXX because I had not heard back, and they had no record of the call that I had on XX/XX/XXXX and that all they could do was open another inquiry for me. Another inquiry was made on XX/XX/XXXX and on XX/XX/XXXX I was rejected again saying that I did not maintain the minimum balance, which was again untrue. On XX/XX/XXXX I called to submit a complaint and was promptly hung up on, and once I was finally able to connect with someone again, all they were able to do was submit another inquiry that would take another 5-10 Business Days. I still do not have a record of them even creating this inquiry, so I have come to the CFPB since Citi refuses to cooperate with me. I have the letters stating the terms of the promotion, all of which I complied with but they refuse to honor the promotion.
Consumer complaint received 2022-03-25
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. (AL)

XXXX hasnt deleted hard inquiries off my XXXX report yet. Eleven inquiries should be deleted as of the XXXX of XXXX. XXXX is not reporting information correctly. They are to slow to do anything. My credit score is never accurate. Im so tired of having to correct information they are required to report accurately.
Consumer complaint received 2019-07-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I received a Pre-Qualification letter in the amount of {$450000.00} from XXXX XXXX at Santander Bank on XXXX XXXX. I told XXXX that I didn't have 2yrs income, but XXXX said I would still be approved. I then went searching for properties in Connecticut. I found a property and my offer was accepted on XX/XX/XXXX, I sent XXXX the contract to start processing right away. Throughout the process XXXX has been misleading and didn't inform me on anything that was going. My Realtor called XXXX on XX/XX/XXXX to get an update on the process she asked why haven't I started my Loan application and XXXX told her I did my loan application a long time ago which was incorrect. She then told him that I never signed anything so how was the mortgage application completed with my knowing and without a property in place. She asked XXXX if he explained the process to me and he told her he did, but he can't always be available because he is over 3 different branches and is busy.she asked if there was someone else she could speak with regarding this loan and he told her no. XXXX then called me to process the mortgage application on XX/XX/XXXX. My Attorney, My Realtor and myself called XXXX to get an update on XXXX and XXXX stated he should hear something by XX/XX/XXXX. He never told us he just processed the application. I didn't hear anything back from him so my Realtor called him on XX/XX/XXXX for status update but XXXX didn't answer her call. He then called me telling me the loan was denied. He didn't give me any paperwork or anything. My realtor called the branch located in the XXXX and the staff wouldn't connect her to a manager. The Sellers are holding {$7500.00} of my money and I can't get it back without a denial letter. Also, XXXX knew I only earned {$15000.00} in XXXX and my XXXX XXXX  was XXXX for my new business that has been opened for 1yr. Instead of telling me the truth he lied and dragged this whole process out. He also switched my loan fromFHA to Conventional without my knowledge but told my Realtor he didn't know Connecticut FHA guidelines were different from NEW Yorks.
Consumer complaint received 2022-10-26
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: EQUIFAX, INC. (FL)

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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-26
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. (FL)

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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-04-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (AZ)

On XX/XX/year> I called Citibank to ask why my savings account was locked and I couldn't access functions such as transferring, withdrawing, deposits, account statements, and tax documents. In the past I didn't care about Citibanks lack of information/communication until I had to make a large purchase this past month for a vehicle. 

It was then when I found out through technical support that they had sent me a debit card to the wrong address/not sent it at all and seeing I never confirmed it placed me in an account hold since XXXX. This resulted in them locking my account without any confirmation or email that this had happened. 

There was no email correspondence or updates that a new card was being mailed out or to confirm the card unlike the messaging I got from XXXX XXXX and XXXX. This was a very frustrating experience that they choose to communicate like this especially with no physical branches in Arizona to discover why my account was locked. 

Calling customer service was quite good because the CSR and technical CSR found out the issue right away ( they were very professional even though I was very frustrated which I apologize about ) but the lack of communication through email or mail was very lacking. 

I'm glad I discovered this on my own as there was no message or notification that this had happened and I just assumed this was a site bug. ( There are many glitches with their UI/UX experience such as hard-to-find statements and tax information especially compared with XXXX  or XXXXl XXXX ) If I hadn't saved my tax document from XXXX I would have been stuck even longer in a locked-out limbo as there would have been no way to view my account number or information to validate.