davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-10
Product: Credit reporting 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. (GA)

Requested a free credit report from XXXX, as well as, ALL information based on the credit account ( transactions, affiliates, non-affiliates, processes, etc. ) Have not received any information upon request.
Consumer complaint received 2023-07-20
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have tried on several accounts since being notified of this on my credit to have this corrected through disputes and through here. I have spoken with XXXX at XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX she stated that there was no outstanding balance owed from XX/XX/XXXX.
Consumer complaint received 2022-04-11
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Rapid Auto Loans LLC (FL)

Almost one year ago, I got a {$300.00} loan from rapid auto loan. I sm paying {$150.00}. XXXX per month, but being on a fixed income, I have to get extensions. When I call, all they give are 5 day extensions, then threaten repossession. I have explained to them that all I get are my late husband 's disability check and I have rent and bills to pay. They don't want to hear it, even though I have asked for the payment date to be changed or possibly reduced, all I hear is that they can't do it.
Consumer complaint received 2021-05-14
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 just check my credit through experian 's website and i noticed a few fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, XXXX  and transunion, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX  stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I filed a complaint because incorrect information, including incorrect names and addresses, was appearing on my credit report. 
My birthdate is XXXX XXXX XXXX and my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My legal name is XXXX XXXX XXXX. My phone numbers are XXXX XXXX XXXX I have been residing at my address for the past 18 months. XXXX XXXX XXXX XXXX XXXX XXXX XXXX is where I used to live.
Consumer complaint received 2021-05-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (IL)

We have tried for a full month plus to refinance our home loan. After signing all documents and supplying required documents we did not hear back from our lender XXXX XXXX XXXX # XXXX. We had left several message and sent several emails asking for updates and a few questions. Each time we were told that the message has been sent up to her management team and still nothing. I would not work with XXXX XXXX for lack of communication as well as lack of organization during a loan process.
Consumer complaint received 2022-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: ATLANTIC UNION BANKSHARES CORPORATION (OR)

On approximately XX/XX/2020 I opened a secured VISA credit card with Atlantic Union Bank after sending the Bank {$300.00}. 

I believe there were false charges on my account because the bill increased. The Bank told me that my account was closed but I do not recall receiving a refund check from the collaterialized savings account. I would like for Atlantic Union Bank to mail me a copy of any refund check, if a refund check was mailed to me. Because of the lapse in time I am doubtful that any false charge can be corrected. But I am hopeful that any remaining funds in the secured savings account could be mailed to me. If it is the Bank 's contention that the savings account was applied to outstanding VISA card charges, I would request that the Bank mail me documentation. Account # XXXX ( VISA ). 
Respectfully, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2022-01-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CO)

I had taken out a payday loan with ace cash express and they put a hold on my social security number and I am wondering if they are able to do that and I got a email from them and the loan happened over 7 years ago and other guy that called my brother home phone number was so rude and didn't even leave a number for me to contact him and I don't what else to do. I can be reached by email at XXXX. Thank you for your time and have a good day
Consumer complaint received 2022-04-11
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. (AL)

in accordance with the Fair Credit Reporting Act XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXXr # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BROKER SOLUTIONS, INC. (TX)

I previously had a mortgage with this company that was paid in full and closed in XX/XX/XXXX. They are reporting that the loan is late in at least 8 months in XXXX. 8 months is as much as I can see on the report provided by XXXX ( attached ). I disputed this with the credit bureaus and this company has reported validated these marks as being accurate. This has significantly affected my credit score. Id like this corrected or the account removed from my credit reports completely.
Consumer complaint received 2021-05-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-18
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. (OH)

In the past, I had subscribed to the local news paper. I cancelled this subscription in writing, via email, pursuant to the requirements laid out in the card holder agreement in early XX/XX/XXXX but the merchant never stopped charging my Citi Bank credit card every month. 

I've filed disputes each month, have called the bank over 10x, and provided the emails I sent the merchant to cancel at least 15x via email to the bank. There are now 6 disputed transactions ( XXXX through XX/XX/XXXX ), and 3 have been resolved in my favor, but the bank somehow found against me- in conflict with the facts proven by my supporting documentation AND 3 other findings in absolutely identical situations on one of the other months and are STILL investigating 2 others. 

On the XXXX, XXXX, and XXXX charges that I'm disputing from this merchant for cancelled services, Citi has closed the disputes, and refunded the money. Somehow for XXXX, they found in favor of the merchant ( in contradiction of their findings in the other months which contained the exact same facts ) and they are still somehow investigating XXXX ( by have closed XXXX? Makes no sense ) and now XXXX as of another charge that Citi let go through, which I disputed today. 

I've called 2x to have a new card issued as well, and was told it " was not necessary. '' Please help! I'm tired of doing everything I'm suppose to do in this situation and the bank refusing to process the identical disputes properly, apply credits, stop the merchant from making the charges, and reissue the card.
Consumer complaint received 2021-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

NEW REZ XXXX DBA Shellpoint Mortgage ) has committed fraud in refusing to process our loan payoff. We paid off our loan on XX/XX/2021. They stated that processing would be completed within 30 days. I contacted Customer Service department on XX/XX/XXXX XXXX 30 days XXXX. XXXX XXXX said that the loan processing would take up to 90 days, not 30 days. He would not allow me to talk with the Loan Servicing department which had send the email with the assurance of 30 day processing. I was alarmed by this tactic and after many attempts to find out how to proceed, he finally gave me an email address to contact the Loan Processing department. I then sent email ( attached ) asking the the loan payoff be processed according to the agreed upon 30 days. I have not received any response to my request. NEW REZ is failing to completed processing our loan payoff and committing fraud in so doing. 

Further, note that XXXX XXXX provided me an unrecorded letter notarized on XX/XX/2021 showing satisfaction of security instrument. NEW REZ is committing fraud in failing to process our loan payoff.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

The information that has been on my credit report doesn't belong to me and has been hindering me from gaining a better credit file going forward. The account listed is fraudulent and I don't have a hand written signature with the reporting company, therefore it needs to be remove immediately from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX XXXX XXXX account is reporting 30 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process. The late payment dates are as follows : XX/XX/2020 and XX/XX/2020
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Citizens Bank recently XXXX XX/XX/XXXX XXXX reported a charge-off to my XXXX and XXXX credit reports. I dispute ownership of this account. I disputed with XXXX  and it was removed the next day. XXXX refuses to remove it despite me pointing out that it's a duplicate of a charge-off that is reported already on my account. I also dispute ownership of that account. The same account is being reported as two separate charge-offs. 

I disputed a second time with XXXX because Citizens Bank is re-aging this account so that it will appear on my credit longer. The duplicate account shows date of last payment as XX/XX/XXXX, but Citizens Bank is reporting it as XX/XX/XXXX. XXXX will not correct this date.
Consumer complaint received 2017-08-25
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Gold Star Finance, Inc. (TX)

X/XX/2017 Thursday @ XXXX, {$620.00}, the store manager XXXX from XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX Ph : XXXX right off the bat during the welcoming into the office displayed by the Manager XXXX actions of hatred towards myself in front of my wife, all while she harassed me, with a hostile, tone by disrespecting my wife and I used all while using Abusive Misconduct Language being very rude, ill minded, demonstrating poor Unprofessional MisBehavior in public on office site grounds. 
All in the event of my wife and I walking in to open a new loan under her name. 
XXXX XXXX the Manager instantly verbally attacked me pushing for me to make a payment, when my loan account had been charged off. this so called manager did n't have the common courtesy and Respect, Integrity nor decency to apologize to my Wife and I for such ill display of misconduct with negative impulsive behavior and has made such a negative impact we the way there business practice are handed. my wife and i realized that XXXX XXXX the manager was actually threatening me in front of my wife in order to attempt to collect a charged off account debi. 
XXXX XXXX stated while claiming that I owed her money that it was her money she lend me. I avoided engaging in any form of conversation due to XXXX XXXX the manager 's low childish standard display of unprofessional attitude and misbehavior that was being projected to deliberately pushing and provoking to instigate some type of argument. which she was using her authority position as manager in instill fear and create scare tactics in order for myself to pay her something. I told her, No that I was n't going to make no such payment especially displaying such hostile, insulting and offensive tone, attitude, and immature manner. After her outburst of Rage, I remain clam and kept my composure only for the reason that My wife and I needed to take out the loan due to a emergency of personal private matters. I inform the Manager that I will be coming back to discuss filing a Complaint and she laugh.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TRANSUNION deleted an item from my credit report on XX/XX/2021. 

FILE NUMBER : XXXX ITEM : XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX, XXXX XXXX FL XXXX ) Pursuant to 15 U.S.C 1681 ( a ) of the Fair Credit Reporting Act ( FCRA ), the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. TRANSUNION hasn't been reporting accurately and, has made an error in my consumer report which after further investigation into my report, they realized that they violated federal laws and decided to delete the item which is admission of liability. My confidence in them has greatly reduced and, has caused me stress because of it bearing on my report when it was in fact falsely reported. TRANSUNION willfully furnished false information without my expressed consent, and never investigated with close family and friends, which is a violation pursuant to 15 U.S.C 1681n ( 1 ) ( A ). Proof of the deletion will be attached to this complaint.
Consumer complaint received 2021-05-18
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. (OH)

Looking over my credit report and notice some a hard inquiry that I do not recognize and are all over 90 days old and this : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items. It has been over 30 days so they should be deleted promptly. I'm demanding that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX Data Breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-05-18
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (DE)

( Tuesday XX/XX/XXXX ) I went to a convenience store ( XXXX ) to use the XXXX ATM for a withdrawal using my unemployment issued debit card through a company called ( Reliacard ) The XXXX atm did not dispense the money and malfunctioned. I called XXXX immediately and was not able to get any help. 
I called the convenience store manager over and he was also not able to help. I tried to file a police report simply to document everything that happened, because with no one willing to help, I consider that theft. 
I called Reliacard and was told to hand write a letter stating everything that happened, and I would get a provisional credit in 10 business days. After 12 business days I called and was told another 5 business days to potentially 45 more days for their investigation. I still do not have that weeks unemployment insurance paid to me yet. 
I receive the payment every Tuesday, today is Tuesday XX/XX/XXXX, and for some reason I did not receive this week 's payment either yet I immediately called US Bank Reliacard just now, and they told me the payment hasn't cleared, but my unemployment website is saying it cleared yesterday ( like it does every week and I usually don't have an issue ) so I asked again about my other payment dispute from XX/XX/XXXX and they are just giving me the run around. As of today XX/XX/2021 Reliacard is illegally holding {$1200.00} of my unemployment payments and I have bills due, Please help.
Consumer complaint received 2022-04-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (IA)

I received a collections agency letter for a medical debt in a name of someone in TX that has the same last name as me. I do not know this person and I live in Iowa. This is either identity theft to some extent or skip tracing that went wrong. Ive never heard or this company called XXXX XXXX XXXX XXXX XXXX. The amount that is owed by this individual is {$1900.00}. I received this letter today, XX/XX/2022. Please help as I have a perfect credit score and this is unbelievable that a company can falsely charge the wrong person.
Consumer complaint received 2021-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX I opened an eligible Citi priority checking account and savings account to fulfill Citi priority account bonus opening requirements. I funded the account within 30 days of account opening ( XX/XX/XXXX ) with at least {$50000.00}, the funds remained for 60 days, to fulfill Citi priority banking account bonus requirements, which were told to be paid out within 90 calendar days. 

Through this time period, I was repeatedly told by Citi customer service representatives that I was acting accordingly to fulfill bonus requirements and that my bonus requirements have been met and was most certainly getting paid out soon, I just needed to wait some days longer. Unfortunately I do not have additional records other than from the Citi messaging system, as i was not expecting this bonus claim process to come to this, 3+ months later, but these contacts alone very well document my issues ... 

XXXX - " You have qualified for the bonus offer on XX/XX/XXXX. So the bonus amount will get credited in the account within 90 calendar days starting from XX/XX/XXXX. '' XXXX - " it takes another 90 days time frame for the account bonus to get credited on your account mentioned on the terms and conditions '' XXXX - " you will receive it by the end of XXXX month '' XXXX - " it will be credited anytime in the 90 days '' " allow 2-3 days for the credit '' XXXX - " Need not worry you can expect the bonus amount in your account before 90 days form the 60th day where you have maintained the funds in your account '' " So you will be getting the bonus on or before XX/XX/XXXX '' These conversations in the chat window are captured in texts attached. Calling I was told similarly, and calling again on XXXX, XXXX talking to an account executive confirmed I was eligible and opened up yet another account dispute on the subject.