davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-03
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TRANSUNION was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-07-24
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. (CA)

I never received notices from the credit bureaus. I disputed an account and sent my letters out on XX/XX/XXXX. It is now XX/XX/XXXX and I have received NOTHING as of today. It's nearly been 2 months and I do not know what is happening at the bureaus but they are not doing their job. I am including my original letters with this dispute.
Consumer complaint received 2020-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST HERITAGE CREDIT LLC (TN)

I have been receiving several calls and letters in the mail from a company called 1st Heritage Credit. They stated that they sent a live check in the mail and that I have cashed it or gotten a loan from them. However, I have NOT received any sort check in the mail neither have ever cashed one. I do know that all mail that looks like junk mail to me I just throw away. I never opened any mail I received from this company until one day when I got a nasty phone call from 1st Heritage Credit. I told them that I have not received a check from them, I have not cashed a check from them, I have never taken a loan out from them, have never did business with them and furthermore don't need too. However, they kept calling and continued sending me nasty letters in the mail and they are still doing so to this present day. I called the none emergency police agency twice and talked to an officer and had them look up the company. The police told me it sounded like a scam and the other person at the police office who looked up the company told me that 1st Heritage Credit has a scam alert. This company is still sending me these bogus letter, nasty letters at that about a debt I don't owe.
Consumer complaint received 2018-10-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (GA)

I have had a title pawn with XXXX  XXXX for 2 years and I pay XXXX a month..but if I'm late I pay XXXX per day that I am late. For the last 3 months I have really struggled..the payment has went from XXXX to as much as XXXX per month. Last month I informed the store manager that I would be late and she said well XXXX you are always late and this is an ongoing problem. I said yes I am late but i always pay all fees associated with the account. So the store manager say come in on Friday but I can't extend your loan. And that was on XXXX the XXXX..and I asked for another extension..but it was denied. This is a trap for a person to never get his or her title back.
Consumer complaint received 2020-01-31
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. (DC)

Good morning, I am writing because my credit report is showing my credit history to be four months old. It does not show any past mortgage payments or home equity loan payments or accounts. Both are close now, but should be represented on my account for ten years. I have called repeatedly, only to be transferred from one associate to another, none of whom have spoken to each other, causing me to restart the process each time I have asked for a supervisor, with seemingly no greater knowledge or access to the information or remedy than the associate. This has caused me to be denied by creditors, despite them acknowledging my credit worthiness. Additional documents, and email correspondences to be forwarded at the convenience of the CFPB.
Consumer complaint received 2019-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (FL)

The DOFD is inaccurate and is a violation of FCRA section 609 ( a ) ( 1 ). The DOFD does not match the OC 's DOFD. The DOFD was in XX/XX/XXXX not in XX/XX/XXXX and XXXX customer service gave me verbal confirmation today that the last payment was received in XX/XX/XXXX. I am attaching an email from XXXX showing when my account was first delinquent and a copy of my CR showing a different date and I believe the debt to be reaged.
Consumer complaint received 2020-01-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Self Lender Inc (PA)

This is a formal complaint about a 30 to 59 -day late payment appearing on my credit report. I am aware that being 30 to 59 days late is significantly worse than being 60 days late, and I was careful not to let that happen. This inaccurate reporting is penalizing me unfairly and illegally ; and this is causing me distress as it is damaging my credit score.  For the month of XXXX I Have Paid As Agreed In Full.
Consumer complaint received 2020-01-30
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. (FL)

equifax, XXXX and XXXX  have inquiries on my credit report. that are not mine. 
INQUIRES : 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 not mine
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX XXXX XXXX  or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2021-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge 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. (VT)

Noticed suspicious activity ( {$9800.00}, excluding international fees, late fees and interest charged by Citi ) on XX/XX/21. The suspicious activity was mostly large fees in XXXX. My wife and I were shocked that fees from so far away from our home were even allowed to be made in the first place. Our kids have cards with other major banks who would never allow such a circumstance without prior notification by them. Period. 

Received notice by mail from Citi XX/XX/21 about the suspicious activity. 

On XX/XX/21, attempted to call Citi again after noticing the issues. Citi sent a letter confirming we no longer dispute the charges, which is unequivocally incorrect. Reopened dispute. 

Received suspicious activity notice XX/XX/21 from Citi. 

Unbeknownst to my family, Citi and/or the fraudulent party opened a Checking Account in our name and {$2500.00} debited from our principal ( only ) checking account. Somehow, another phone number ( not in our area code ) was somehow added to out account. 

Made contact with Citi Identity Theft Department XX/XX/21. Theft dept stated they would investigate. 
Notified XXXX XX/XX/21. 

Completed Affidavit of Fraud, signed, notarized XX/XX/21, specifically identifying the fees not charged by myself. 

Numerous calls and other communications with Citi through this time, in which Citi did not offer solutions, did not treat us with respect while working through this terribly stressful situation ( including apparently muting me on the phone while trying to find a solution ). 

Sent Addendum email to Citi on XX/XX/21 attempting to seek a resolution. 

We have gone back and forth more than the above. Citi has told us that these charges ( and accrued fees, interest, etc. that is not our responsibility ) will be settled in a couple billing cycles. We still have not reached a resolution. 

This has been one of the most troubling and interrupting experiences we have ever had. We feel powerless and that our credit card company is not listening to us, does not have our interests in mind, and is in fact disregarding entirely the impact that has had to our family. They are blocking most or all of our card purchases, which has been just another stressful experience. 

There are more aggrievances than can be written here that we have carefully documented and communicated with Citi. They are not listening, do not care to, and we need help.
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX A ) XXXX Balance : {$540.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX CT ) XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX : {$1200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-03
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to EXPERIAN was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX  ; XXXX  and Transunion are failing to review and/or research any of my dispute letters that have been sent to XXXX XXXX  partial account number XXXX ; XXXX partial account number XXXX and XXXX/XXXX  partial account number XXXX. XXXX  is failing to review and/or research any of my dispute letters that have been sent out to XXXX XXXX XXXX partial account number XXXX. XXXX  is failing to review and/or research any of my dispute letters that have been sent to XXXX XXXX partial account number XXXX and XXXX XXXX partial account number XXXX. Transunion is failing to review and/or research any of my dispute letters that have been sent to XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) My current credit report stills shows these accounts as Accounts not Dispute. I have not received any communication from the bureaus regarding the status of my dispute letters. It is very disappointing that the bureaus are not taking the time to actually research the issues outlined in my dispute letters and as a result of this lack of due diligence, negative items from the bureaus still continue to appear on my credit report. Pursuant to the F.C.R.A. 
You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 
I respectfully request that the ( 3 ) bureaus review and update my credit report to display correct information. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2022-05-02
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)

I sent my letter off XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also attached is the letter I sent out and here is the certify tracking # XXXX XXXX XXXX. 

According to the FRCA the term " investigated consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is it verified but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % accurate, according to the FRCA 15 USC 1681 everything must be 100 % Accurate. 

XXXX XXXX BANK account # XXXX NOT MINE XXXX XXXX XXXX Accounts # XXXX NOT MINE XXXX XXXX Account # XXXX NOT MINE
Consumer complaint received 2021-12-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was scammed by someone who posted an ad on XXXX acting like a real estate agent. They said i could secure the unit with a non-binding lease agreement and a deposit of XXXX. I agreed and the day we were supposed to meet they said their mother died but have been unresponsive and I can not reach them now. The persons email also had a XXXX at the end which didnt match her real email. They post was eventually flagged on XXXX and taken down as well.
Consumer complaint received 2021-12-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

This company sued me at the address of my former wife in a State I no longer reside. They keep updating the lawsuit and they purchased a debt and continue to report it to the credit bureaus when it is older than 7 years. They purchased this debt only a few years ago.
Consumer complaint received 2022-05-02
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)

I sent my letter off XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also attached is the letter I sent out and here is the certify tracking # XXXX XXXX XXXX. 

According to the FRCA the term " investigated consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is it verified but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % accurate, according to the FRCA 15 USC 1681 everything must be 100 % Accurate. 

XXXX XXXX XXXX  account # XXXX NOT MINE XXXX XXXX XXXX Accounts # XXXX NOT MINE XXXX XXXX Account # XXXX NOT MINE
Consumer complaint received 2018-10-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

This is for Equifax, XXXX and XXXX. I am on hold and hung up on all the time when trying to dispute itmes on my report. I go on Equifax website and it ask me questions about accounts I know nothing of having or ever having and I answer them correctly and they still deny me the ability to file a dispute acting like I answered the questions wrong when I did not This has been going on over a month, this is the worst credit reporting company ever. I call XXXX nd they hang up on me, XXXX could care less abiut consumers. I ahve not been able to get a copy of my report since being denied a job or credit. I have things on my report that should not be on there. I missed out on two jobs because of this system, company and their mistakes and not having the ability to dispute anything also with XXXX..The three items that should NOT be on my report as they have been paid in FULL are - '' XXXX is with XXXX XXXX balance is showing {$1100.00}, XXXX XXXX XXXX with XXXX XXXX XXXX {$28.00} XXXX XXXX XXXX showing {$150.00} owed, which was Paid in full by insurance company XXXX. Then also XXXX XXXX balance was PAID IN full amount $ XXXX..I should not have to call in or try to every month to egt these off that should not be on there..I have been fighting these items for over one to two years.
Consumer complaint received 2018-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (OH)

USED XXXX ON MY CHASE ACCT TO SEND MONEY TO MAKE A PURCHASE TO ANOTHER XXXX USER AND DID NOT RECIEVE THE GOODS. CHASE NOR XXXX WILL DO ANYTHING TO HELP GET MY MONEY BACK FOR GOODS NOT RECEIVED.
Consumer complaint received 2022-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MI)

My loan was transferred from XXXX to SunTrust Mortgage ( now Truist ) effective XX/XX/XXXX. My loan has escrow for taxes and insurance as confirmed on my closing disclosure as well as my escorw analysis received from XXXX on XX/XX/XXXX. However, SunTrust failed to pay my Summer Taxes due and payable in XXXX and it appears they have no plans to pay my winter taxes either due and payable by mid XXXX. It appears they have a loan boarding issue as you can see from the screenshots as the system shows my next Summer tax is due in XX/XX/XXXX ( its past due for XX/XX/XXXX ) and my next winter tax is due in XX/XX/XXXX by it indicates ( mock ) and amount due as XXXX ( taxes are over XXXX ). Now there are outstanding fees and penalties for the late taxes from XX/XX/XXXX. As indicated in XXXX ( k ) of XXXX XXXX, the servicer is responsible to pay escrow items on time to avoid a penalty as long as I am current. I've been current the whole time and they did not pay my taxes ( XXXX failed to pay my insurance timely in XX/XX/XXXX and I let that slide ). As a regulatory myself, I can't help but think how many other consumers are also affected by this error and have no idea how to make sure this gets corrected without fee 's being assessed to them. I am sure XXXX and Suntrust will point fingers at each other meanwhile the consumer who does what they are supposed to is harmed.