davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information. Due to your lack of response, or response which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please correct the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXXXXXX Late Date XX/XX/22
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CO)

I received this XXXX XXXX Purchase Alert today : XXXX $ XXXX Wed, XX/XX/2022 I discovered I am being charged {$24.00} by Experian for services I was not aware I had signed up for. I did create an account at Experian years ago when I signed up for their free credit reports. At no time did I receive a billing alert or copy of a purchase receipt or contract informing me that I had signed up for a paid membership and would be charged this amount on a monthly basis. This is the first and only month that I am being charged. 

I have contacted Experian to request a refund and downgraded my membership back to " free. ' I noticed online that XXXX has already been involved in FTC filings and had to pay fines previously. I am afraid many consumers could find themselves being charged without being aware of this 'membership ' participation. 

Thank you for any help in shutting down this practice at Experian.com
Consumer complaint received 2022-07-21
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. (CA)

The following accounts listed on both my Equifax and XXXX credit reports are in violation of my rights. 
XXXX XXXX XXXX XXXX BANK XXXX XXXX BANK XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor ) XXXX XXXX XXXXXXXX The following inquiries are also a violation XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX this one has a ludicrous amount of dates ) XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX via XXXX ( too many dates to be anything but fraud ) XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX There are a number of other inquiries on my credit reports and I kindly ask that they all be removed as the majority of them are fraudulent and in violation of the following laws... 
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 Upon completion of this I would like to have an updated credit report mailed to the address on file. Thank you for your time and consideration.
Consumer complaint received 2023-03-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

Since XXXX of XXXX I have been trying to get my XXXX Mortgage Interest Statement from Citizens Bank. Automatic phone service states, Statement were mailed on XX/XX/XXXX. Unable to log into my online account. When placing a call, the automatic phone service will ask for every information imaginable- all I get is the run around. I've written XXXX letters to the company asking for my statement. 

On XX/XX/XXXX, I received a letter from Citizens saying they would look into my request. 
and get back to me in 30 days. What is there to look into?? They have all of my personal information. I need my Mortgage Interest Statement to have my taxes completed. 

Taxes are soon due. I'm going to be late sending in my tax forms because of these imbeciles. I'm XXXX XXXX XXXX and have been dealing with mortgage companies most of my adult life. Never any problems until dealing with Citizens.
Consumer complaint received 2021-11-22
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. (AZ)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-11-30
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. (WI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  : # 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 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 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I was a victim of ID theft someone has used my my name and information to file taxes and open up accounts for credit in my name. I am in the process of fixing the mess caused by this fraudulent activities. There is a ton of addresses and numbers that are not mine that I need removed. MyLegal name is XXXX XXXX XXXX ( Not XXXX ) DOB XXXX SS XXXX my current and only address XXXX XXXX XXXX XXXX, XXXX, OH XXXX, please remove any other variation of my name they are not accurate. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX
Consumer complaint received 2022-07-21
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. (FL)

I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2021-11-22
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. (TX)

I have learned that TransUnion gave out my credit information fraudulently in response to two " hard '' credit inquiries, to an entity called " XXXX via XXXX XXXX, '' on XX/XX/2020 and XX/XX/2020. I do not know who or what this entity is. I have never dealt with it. I have never authorized anyone to give this entity. I have attempted to get TransUnion to remove these inquiries from my credit report via its website, but the TransUnion website doesn't permit anyone to contest false and fraudulent credit inquiries online When I tried to get TransUnion to remove these inquiries via their on-line chat, I was told I had to file a complaint with the police first and mail ( via U.S. mail , no online equivalent ) a police report first. That's ridiculous and contrary to law ; it's THEIR burden ( TransUnion 's ) to prove that they were authorized by me to respond to the credit inquiry. I have attempted to file a complaint with the FTC online but it directed me here.
Consumer complaint received 2018-10-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I opened a savings account with Union Bank of California on XX/XX/2018. The branch address where I opened the account is : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

After opening the account I waited for my ATM card to arrive in the mail. While I was waiting for my card someone somehow stole my card information and began withdrawing the money from my account. I have the envelope that the card arrived in. It was postmarked in XXXX XXXX on XX/XX/XXXX and would not arrive to XXXX XXXX until some time after that date. The first stolen withdrawal was for {$100.00} on XX/XX/2018 at my branch. The second stolen withdrawal was for {$40.00} on XX/XX/2018 at a branch across town. The last stolen withdrawal was for {$200.00} on XX/XX/2018 at my branch again. Upon seeing the fraudulent withdrawals I immediately went to my bank with my ATM card that was still attached to the paper that it arrived on and opened a claim and had the branch assistant manager destroy my ATM card. The card never left my apartment. No one knows my pin. It was still attached to the paper that it came on! 

My claim to get my money back was denied. The bank told me that they would be in contact with me up to 30 days after the claim was filed. No one bothered to contact me to tell me that my claim was denied. I'm filing a dispute with their ruling because the card was not even in my possession when the first transaction happened.
Consumer complaint received 2020-11-05
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: Amsher Collection Services, Inc. (CA)

I called and spoke with XXXX, he said XXXX do not allow credit deletion. I try to explain to him that this was sent to collections by mistake. XXXX confirm that they sent the bill to the wrong address. I then ask to speak to a supervisor and he disconnected the call. 

I call back making this call number 2. Spoke with another representative that told me they try calling me and got " wrong number " this is XXXX my phone number is not wrong and is still working. When I asked to speak to supervisor again they disconnected the call for a second time. 

I find this to be rude and very unprofessional. Should not be hung up on just because I want to settle a debt.
Consumer complaint received 2022-07-21
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-06-10
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. (FL)

My credit score shows that it has not been updated since XX/XX/2022. There is no option to refresh and get an updated score. On the screen it showed that the score would updated in 1 day but the 1 day has passed and the score has not updated. I still see the score hasn't been updated since XX/XX/2022. I filed a case on XX/XX/XXXX and there have been no updates or changes for the case since then. I have called to check the status or get an update and had 2 reps hang up on me before I could get further information.
Consumer complaint received 2019-03-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION (NY)

I have been banking with M & T bank, and have been using the same account, for almost 25 years. On Tuesday XX/XX/2019, I received a letter stating that M & T bank will no longer be able to conduct business with me and they would be closing my debit card on XX/XX/XXXX, and my account on XX/XX/XXXX without any explaination.I have another joint account with my wife, and that account has been already closed. Ive been to my current branch as well as another branch, been given 4 different numbers to call, and spoke with at least 10 different people, and no one knows a XXXX XXXX thing. No one can even answer a simple question : " WHY ''. Its incompetance at its best. NOBODY from M & T cares and after 25 years, now i have to close my accounts and bank with one of their competitors. I have requested total activity paperwork on my account from many years back so i can at least start my own investigation on why this happened and i will do it with out no help from M & T bank. Fine, They just kick loyal customers to the curb because some XXXX that sits and watches a monitor all day suppossedly saw something that " didnt look right ''. Okay, so instead of working with bank manager to figure out, M & T would rather say see you later and dont come back! UNBELIEVABLE!!! Can not believe this is happening. So UNPROFESSIONAL!!!
Consumer complaint received 2018-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

After graduating from XXXX in 2013, I refinanced my loan with Nelnet. In XXXX of 2013, I called Nelnet and they gave me an incorrect payoff amount for one of my loans. I subsequently payed off the loans on XX/XX/2013. 5 years later, i discovered that I had a {$110.00} balance on my loan ( ~ {$50.00} of principal and the remainder interest that accumulated over he 5 years ), which Nelnet said was 180 days past due. I only discovered this balance when I found it on my credit report.

When I called to resolve, they said that paying off the loan deferred the payment for 5 years, and that they attempted to contact me about it even though they had the incorrect email address on file.

I have paid off the loan in full now, but I want the late payment taken off my credit report since they gave me the incorrect payoff amount on the loan and subsequent emails said my payment was {$0.00} for 5 years. Could you please help me to resolve?
Consumer complaint received 2019-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had paid my account in full because one of the representatives told me that it would be deleted off my credit after I paid it off. The money I paid got taken out of my bank account on XX/XX/2019 of {$660.00} I contacted Capital One asking them to resend the deletion letter because I never received it. But now the lady I spoke to is saying they won't delete it off.
Consumer complaint received 2019-08-20
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. (LA)

Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX XXXX XXXX XXXX XXXX XXXX , DPT EDXXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX (Original Creditor: XXXX XXXX XXXX XXXX XXXX (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX(Original Creditor: ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-10
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. (NY)

on XX/XX/XXXX2022 The credit bureaus stated Account : XXXX  XXXX ( acc # : XXXX ) was properly investigated but how is that possible if the last payment is inaccurate, the date last reported is inaccurate, last payment inaccurate, date closed is inaccurate and times 30/60/90 days late is inaccurate. Payment status is inaccurate. This ground for Removal. 

They also violated my rights under 15 U.S.C 1681 Section 604A Section 2 : The law Clearly states a consumer reporting agency can not furnish a account without my written instructions They also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : The Law Clearly states the credit bureaus have 5 days to notify me from when they receives my disputes. 

They also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( l ) ( ii ) : The Law clearly states if the item are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I went to pay my monthly bill last month XX/XX/2024. ( the bill included the annual fee which I was unable to pay the month prior because I had not received my physical card which you need to unlock your account ). I went in the mobile website on my phone. When I went to pay I entered all my information as usual. There is a prompt that says do not refresh. After submitting the payment my screen didnt display the full webpage. I didnt refresh the page because I didn't want to get double charged. I went about paying all of my other bills as I dont normally see the withdrawal from XXXXXXXX XXXX post for 2-3 days. In that time I figured that my bill was paid and that the websites issues had been resolved. 30 days later I receive a late payment delinquency on my credit report from XXXX XXXX despite my payment attempt. The account has a XXXX balance and nothing is owed. Its insane that my score was dropped due to XXXX XXXX technical issues. I made the payment on time their website was just having technical issues. I need for them to fix their mistake.