davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-02
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 am filing this report because of the accounts in Transunion that are false and should not be there. I tried sending letters to them but they are not removed as of writing. Please help me remove these false accounts because they should not be in my credit report.
Consumer complaint received 2022-09-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (NC)

I authorized my mom to make a 1 time payment with my card for a product. My mom gave them her name and address for the purchasing of the product. The product is supposed to be in her name and her own account not mine. Collection agency send me a collection letter in my name and when asked for a recording of the purchase they stated they do not have it. This bill should have never been in my name. I did not order it and the amount is disputable. I was not aware that this product had more payments which were my mom 's reponsibility to pay not mine. Thank you.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I did not consent, nor benefit from or authorize any of the following Accounts : XXXX XXXX XXXX  - Account # : ending in XXXX - {$340.00}
Consumer complaint received 2022-03-02
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. (FL)

On XX/XX/XXXX I paid off two cars and my ex-wifes child support. On my credit report for Equifax, they dropped my score XXXX points, and removed one of my cars from the report. This is the second time in one year Equifax as attempted to fraudulently lower my credit score, thus allowing banks to try to charge me higher interest rates based off manipulated credit scores. Furthermore, when attempting to call and resolve the issue, the company attempted to gather inappropriate information like my drivers license and picture to file my complaint. I had already provided my SS number, by birthdate, my address, and my phone number. I refused to provide my license, as that would allow anyone at the company to store and use my information in devise ways. I dont appreciate this company again attempting to defraud me, taking my time and money, and acting like its not a big deal. I want this company fined for their behavior, and to be ensured they dont treat me like this again. Furthermore, after a car is paid off, the car is stay on your credit for 10 years. This company is trying to drop the car off my credit immediately. Again, this company has an obligation to the American people to get their facts straight, and to stop trying to commit fraud. The company is doing the same thing to my wife, whose credit is significantly different then the other two credit reporting companies. Clearly this company feels empowered to commit fraud, and not follow the rules. Furthermore, them attempting to gather information not required to fix credit scores outlines their need to collect data on individuals so that data can be sold on the open market. Again please for this company to immediately fix my credit score, and fine them a significant amount of money, that way they stop this behavior.
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NH)

I am trying to originate a mortgage with a separate bank from the one this complaint is regarding. The mortgage origination bank said there is an active dispute with Citi bank that needs to be resolved before origination can proceed. 

I spoke with 9 people at Citi bank, 3 said I had no active disputes and 3 said I did have an active dispute. I spoke with 2 managers - the last one hung up on me. 

There appears to be a systemic issue with Citi Bank 's dispute resolution and credit reporting practices. 

I am close to incurring consumer financial harm by not being able to timely get a mortgage due to a 4 month old dispute that Citi handled incorrectly. 

This should be a MRIA ( " Matter Requiring Immediate Attention '' ) - Citi clearly does not have an internal process to manage these types of consumer credit customer challenges.
Consumer complaint received 2023-04-18
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. (NY)

as of XX/XX/XXXX i have noticed fraudelent accounts and inquiries on my credit report and consumer reports. 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of my information in this file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the receipt. 

account name : XXXX account # : XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account Charge account XXXX Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$41.00} {$41.00} {$41.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$63.00} {$63.00} {$63.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$210.00} {$210.00} {$0.00} Credit Limit : {$300.00} {$300.00} {$300.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (LA)

I have a credit card & checking account at the same institution. As ridiculous as it sounds, I can not set up automatic payments from the checking account to the credit card ( like any other card ), but was told that I could set up XXXX XXXX- that evidently sends a check in the mail from one part of the same bank to the other. This has worked fine for a few years, but now I am being told that the bank is no longer offering XXXX XXXX. I have tried the internet website for this, but it has no option for auto-pay. Customer Service is woeful, and talking to a manager/executive seems impossible.
Consumer complaint received 2022-09-07
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. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-02-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TN)

I am writing this complaint because there is a debt collection company by the name of NATIONAL CREDIT ADJUSTERS who is reporting an alleged debt without a license to collect in the state of Tennessee. I reside in the state of Tennessee, and they require collection companies to have an actual Tennessee business license to collect. This information was requested from them in an initial debt validation letter, but information was not given. This company is also reporting misleading information on my consumer report regarding the alleged debt in question. They are reporting multiple notations of " C '' for Collection every single month. This is misleading and it breaches the law per the FCRA pertaining accuracy and fairness of credit reporting. This is a furnishing error per 15 USC 1681s-2. This company also implicates that communicate could be from an attorney as reported on my XXXX consumer disclosure report. That is also a violation per 15 USC 1692e ( 3 ). This company is ruining my reputation per 15 USC 1692d ( 1 ) NATIONAL CREDIT ADJUSTERS is using abusive and deceptive means to collect the alleged debt. A violation per 15 USC 1692e ( 10 ). NATIONAL CREDIT ADJSUTERS also uses a cartoon animated logo that appears to be a star which is prohibited per FDCPA 15 USC 1692f ( 8 ). These behaviors are illegal and are grounds for legal action per 15 USC 1692K.
Consumer complaint received 2021-04-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC (FL)

Good day! 
We would like to file a complaint to Fay Servicing. 
We are working on a short sale and until now there is no decision yet from Fay Servicing. We already escalate this several times but the status is still the same. The point of contact for this file is XXXX XXXX but she has not escalated this or make an effort to get the decision. The value of the property is {$240000.00} and the buyer 's offer is {$240000.00}. So we don't see any reason why it was not yet approved. 

XX/XX/XXXX- The file was tagged to have a complete package for the short sale review. 
XX/XX/XXXX - The file was tagged that it was under investor 's review. 
As of today, there is no short sale approval yet. It has been 2 months that they got the complete package but the file is not making ny progress. 

We would like to get the approval letter as soon as possible because we don't want to lose this buyer that has been patiently waiting but sad to say until now it was yet approved. 

Thank you. We greatly appreciate your help.
Consumer complaint received 2023-04-18
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. (TN)

I noticed on my credit report that I had a collections account with XXXX. I already paid a balance of {$390.00} with XXXX prior to closing my account with them, bringing my account balance to {$0.00} which I then immediately closed the account directly after. 30 days later, I noticed a collections account of {$390.00} on my credit report. This account is NOT mine and is being falsely reported on my consumer report. 

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 2015-12-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AZ)

There are about XXXX main issues on my credit report that are n't mine, and they are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX services, and XXXX XXXX. I believe they belong to my older sister, because we almost have the same name and it may be confusing but I want these issues resolved.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-04-11
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (WA)

We had a {$39.00} credit from a credit card company ( Citi Bank ) that was allegedly refunded by check on XX/XX/2017 that never reached us. 
We have called numerous times, talking to numerous agents and supervisors ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX )
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 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 XXXXXX/XX/XXXX
Consumer complaint received 2016-08-28
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Caliber Home Loans, Inc. (IL)

This report requires provisions from HEPA laws and Fair Credit Reporting. XXXX refused to validate and verify a debt that is listed on my credit report according to law under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ), Fair Credit Reporting Act 15 U.S.C. 168, and Foreign Corrupt Practices Act. This office refused to provide competent evidence that I had any legal obligation to pay the listed company above and had the authorization under 12 U.S.C. 2605 ( e ), 15 USC 1692 ( e ), and 15 USC 1692 ( f ) in this alleged matter. 
Please provide me with the information you received from this company. I have a right to know who, what, and how a company is reporting on my credit. Is this company in violation of HEPA laws.
Consumer complaint received 2015-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MN)

Tradeline was disputed multiple times and each time came back as verified. Acct ... XXXX. I would like to know the name of the person Experian verified with each time, the dates, the address, and the phone number used. The number on the credit report is not even a working number. I have gone to the courthouse and this judgement is not a recorded judgement. The people at the courthouse have also informed me that they have never had a credit bureau call them and verify anything..on anyone. They also said that they do n't report to the bureaus so it 's not them reporting and verifying.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I submitted a complaint just a moment ago on a different matter against the credit bureaus, but I would like to submit a second complaint as I forgot to add this information on my previous complaint. 

I filed bankruptcy on XX/XX/2019. The bankruptcy is a legitimate public record and my debt at the time was discharged through bankruptcy. I am not fighting that I have a bankruptcy on my report. What I am disputing is charge-offs I have prior to me filing bankruptcy still showing as active charge-offs. When I submitted my disputes to the credit bureaus back in XXXX, I also asked the bureaus to correct my account information so the accounts which should be included in bankruptcy are reporting as included in bankruptcy. To this day, some of the accounts still do not show included in bankruptcy such as XXXX XXXX on XXXX XXXX. 

I would also like to complain against XXXX as they are not allowing me to view my credit report. I know my user name and password to their online website, but it does not let me view my current report. I then try the option to remember the username and password, and XXXX gives it to me, but then when I input what they just provided me, it pretends like I don't have an account with the information they just provided me with. How am I supposed to verify that my credit report is accurate if XXXX themselves won't let me view my report with the account I established through them?
Consumer complaint received 2022-03-02
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: RoundPoint Mortgage Servicing LLC (CO)

Im XXXX XXXX and I refinanced our house with XXXX I believe and before the 30 day period they sold my loan to RoundPoint. Neither company properly informed us this happened. In the meantime RoundPoint called and said they were our new Mortgage company but never officially properly notified us they had purchased our loan. We thought they were a scam or fraud and we ignored their request for payments. They reported us to all 3 credit agencies. We worked an agreement to make payments and settled with them but they refused to remove those credit late payments. We refinanced our home with XXXX Mortgage due to RoundPoint not keeping their word.
Consumer complaint received 2018-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P. (TX)

I was contacted by LTD Financial, a debt collection agency on XX/XX/XXXX advising that they were attempting to collect a debt of over {$7000.00} on behalf of XXXX XXXX, used on a credit card issued in my name for a business I formerly owned. I informed them I had no knowledge of any such debt as I had never requested or received a credit card for this business. They indicated the card had been sent to an address that I have never lived at in a city I have never lived in. Furthermore, any accounts associated with the business were closed by me in XXXX, I requested validation of this date. On XX/XX/XXXX, I sent a certified letter again disavowing any knowledge of this debt and asking for verification, to date it has never been received or acknowledged. I contacted the originator of this debt in person at a branch in XXXX TX on XX/XX/XXXX, I spoke with XXXX XXXX who advised he would contact the fraud department and have documentation sent to my address, this never happened. I contacted XXXX XXXX by phone on XX/XX/XXXX and spoke with XXXX XXXX, the manager for the XXXX branch, who advised he had submitted the complaint to the fraud department and they would contact me within 3 business days, I have not heard from anyone. On the same date I spoke with a representative over the phone named XXXX, who advised she was unable to assist because the system would not allow her to do anything. I sent a certified letter to XXXX XXXX on XX/XX/XXXX, disavowing any knowledge of the debt and requesting validation, to date I have not received anything. I have notified all 3 credit bureaus of this theft identity, and made completed a identity theft report with the FTC. To date there has been nothing reported on my credit, however, on XX/XX/XXXX I was contacted by a second collection agency.
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (FL)

My wife XXXX XXXX XXXX and I both have cards from American Express. 
Recently we BOTH received marketing offers from American Express on our respective credit cards. 
The offers were quite clear. 
Spend {$150.00} or more at XXXX XXXX in store or online and receive a {$15.00} statement credit. 
We EACH did this. We each spent {$170.00} on our respective cards at XXXX on XX/XX/23. 
We did not receive the {$30.00} ( {$15.00} on each card ). We received nothing. 
We spent hours on the American Express chat with different reps and even a supervisor and they all had a myriad of excuses as to why we did not receive the promised cash bonus. 
One rep theorized that it was the way XXXX XXXX chose to report the sale ( XXXX ) to American Express. Possibly this was a fraudulent scheme by XXXX to negate the need to pay marketing bonuses. 
Our respective credit card billing statements are crystal clear. 
They show the merchant to be XXXX CO XXXX MN and the XXXX phone number. 
Subsequent to our first complain American Express posted a {$15.00} courtesy credit to my wife 's account ( XXXX ) but did nothing for me on my account ( XXXX )