davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CO)

We have received repetitive texts from Cardinal Financial about a mortgage inquiry. My husband owns a mortgage group so I am obviously not interested. Today, XX/XX/XXXX I received another batch of texts around XXXX p.m. consisting of XXXX ( TWELVE!! ) texts in less than one minute. Its clearly spam from the fake conversations. The name of the person was XXXX tonight but similar texts have been sent like this in the past. This is harassment. My husband will be filing a complaint through XXXX channels as well as Cardinal Financial is violating best practices as a lender.
Consumer complaint received 2017-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I contact company under FDCPA requesting copy of credit appl and loan or repayment agreement. They continue to fail to produce these documents yet they also refuse to remove the illegal debt form credit agency 's.
Consumer complaint received 2021-05-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

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 stress 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 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MI)

Citi bank has been reporting two of my accounts as 30 days late since XXXX and XXXX respectively, up to the current date. I, however, I was paying as agreed during these months after receiving three months of forbearance. I called every month to tell them during COVID that I could not pay. When I login to my accounts online, they don't even show a past due amount. When I ask a customer service representative for what is past due, they say nothing. I ask to speak to someone that can resolve internally so that it will not be reported incorrectly going forward and they say they don't have a credit dept.
Consumer complaint received 2021-12-03
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: CORELOGIC INC (FL)

On XX/XX/2020 and XXXX XXXX XXXX Credit pull from my credit report, on XXXX XXXX Credco pull from my credit my credit report, and on XX/XX/2020 XXXX  XXXX Fin pull my credit report all without my permission or intention to incur an inquiries on my credit report. I need this off because it is messing up my credit report for me to get a loan, credit card, and car.
Consumer complaint received 2020-09-08
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)

MY INFORMATION WAS USED FRAUDULENTLY TO OPEN ACCOUNTS THAT DO NOT BELONG TO ME THESE ACCOUNTS LISTED WAS OPEN BECAUSE OF FRAUD ALSO THERE ARE SEVERAL FRAUDULENT INQUIRES ON MY CREDIT REPORT THAT SOMEONE ELSE USED MY NAME AND SOCIAL I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-11-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (VA)

I transferred {$50.00} from my Navy Cash Rewards Visa to my savings account on XX/XX/XXXX. I checked my balance on XX/XX/XXXX and the account showed a XXXX  balance. I sent Navy Federal a message twice on the app and they responded and notified me that they took the money to pay off a debt I owed on an old checking account that was closed. My issue is that the money was taken without my knowledge or authorization. They just took the money out of my account without letting me know to satisfy a debt. I asked them to send me a bill. I attached a screenshot of the message reply I received back.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

My wife XXXX XXXX XXXX and I entered a settlement agreement with XXXX XXXX to pay a settlement of {$1500.00} for deletion. We made a payment in XX/XX/2020 of {$500.00} and completed the payment with a payment of {$1000.00} on XX/XX/2020 and received the deletion letter and payment receipt. The credit bureau has removed it from my wife 's credit profile but it still remains on my credit profile although it has exceeded the 30 day limit now approaching 60 days with no deletion. This is clearly a violation of my FCRA and FDCPA rights with their refusal to remove this derogatory joint debt. We have contacted the credit bureau multiple times and no action has been taken.
Consumer complaint received 2020-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

this is in reference to complaint number XXXX. 
I sent a letter to Transunion on XXXX. I have not gotten a reply from either company. according to the Fair reporting credit act, these items should be deleted you replied ; After careful review, we have determined your complaint includes a dispute of information appearing on your credit report. Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps. We may also need to contact the data furnisher to verify the current status of the account. If the item has been disputed previously and verified as accurate, we will review any new information you are able to supply to determine whether we can take action. Within 30 days, we will close out your dispute and advise you of the results in writing. If after the completion of our investigation you have questions regarding the results, we encourage you to contact the creditor ( s ) directly. The business name, address, and, if available, telephone number of the source ( s ) of information contacted in connection with your dispute can be found in the Investigation Results document sent at the conclusion of your investigation. If you need to dispute information on your credit report in the future, you may dispute directly with TransUnion online at https : //www.transunion.com/credit-disputes/dispute-your-credit. Should you have any further questions, please contact www.transunion.com ( XXXX ) XXXX XXXX XXXX XXXX XXXX, PA XXXX this is not fixing the issue. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item
Consumer complaint received 2022-04-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BARCLAYS BANK DELAWARE (OH)

XXXX  otherwise know as XXXX XXXX XXXX started unlawfully sending me collection notices on XX/XX/2022. This had been resolved in XXXX. XXXX  threatening again for ( 2 ) debts that are over 7 years old. Now they are somehow harassing me when make an inquiry on current credit cards, Im placed on hold, redirected to XXXX, where They claim that they didnt call me, rather, I called them. Obviously, this collection agency has found another way to harass me.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc. (GA)

My XXXX XXXX  XXXX XXXX Debit Card was pick-pocketed ( stolen ) from my person on XX/XX/2023, at approximately XXXXXXXX XXXX inside of XXXX XXXX in XXXX XXXX Georgia XXXX during a college football game which I was attending. My wallet was pcik-pocketed from my pants while in line for food and drink. The perpetrator then purchased {$300.00} of merchandise within minutes before I had a chance to cancel the businss debit card and other debit and credit cards on my person from my stolen wallet. To date, the XXXX Police Department will not answer the phone ( multiple attempts ) within the precinct where the crime occurred. Also, the merchant ( whose name and phone number I have ) that accepted the card refuses to refund the money. The card was cancelled within 30 minutes of the theft, but the fraud occurred prior to cancellation of the card. Subsequently, additional cards were cancelled prior to attempted fraud ( one incident recorded by XXXX XXXX  Card Fraud Prevention ). I would like to determine my liability for the fraudulent use of the card within the State of Georgia. The merchant card service was Square, and the merchant was XXXX XXXX, a Georgia LLC corporation. The issuing bank refuses to refund the {$300.00} indicating the collection of the funds must come from the merchant. Is the merchant card service liable or the merchant?
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

Equifax ; XXXX  and XXXX  are reporting multiple inquiries on my credit report that do not belong to me. I have never made any inquiries to these creditors. ( I have attached a copy of the Inquiry page from my credit report along with a copy of my drivers license and SSN for reference. ) These multiple inquiries belong to someone else and are reporting in error. This false reporting is seriously harming my credit score and these inquiries need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these inquiries however, I have not been successful.
Consumer complaint received 2019-08-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (TX)

I already paid for a medical debt that was sent to Radius Global Solutions. I took a screenshot of the below information from their website and I sent it to XXXX XXXX XXXX. The company is still attempting to collect on a paid debt and XXXX has yet to respond to my email. I have provided adequate proof on my end that this was paid for and they need to remove the negative credit reporting immediately. 

Reference XXXX XXXX Payment Amount : XXXX Payment Date : XX/XX/2019
Consumer complaint received 2021-02-26
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: Experian Information Solutions Inc. (AR)

I have been wanting to remove inquires from my credit report for almost 6 months now. I'm new to credit and just now figuring a lot of that i didn't have authorized or gave any consent. i would just like the items i have dispute removed and deleted from my credit profile so i can live a better life.
Consumer complaint received 2021-09-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION (FL)

In XX/XX/XXXX XXXX XXXX and his girlfriend XXXX used my date of birth and social security number with a false name to obtain a vehicle for his girlfriend. My name has never been XXXX XXXX which is name they used pretending to be his wife. The vehicle purchase was made in Georgia where I have never lived but they did on XXXX  XXXX XXXX in XXXX paperwork for his lease submitted to the creditor. I have never owned a XXXX never needed a car loan as purchased a new car and truck in XXXX and paid cash for it. I still have both of those vehicles vehicle today. They recovered the vehicle ( XXXX ) because I reported it as fraud to the creditor and car dealer. The vehicle was recovered from XXXX in XXXX FL not from me as I have never lived in XXXX FL. I live in XXXX FL since XX/XX/XXXX with my fianc who can verify that everything I have been disputing is fact. They changed the name on the loan to match mine when I disputed on the creditor reports. XXXX XXXX already wrote them an affidavit, as instructed by the Court, and sent to XXXX XXXX stating that he and XXXX committed the fraud. I was given a copy of this affidavit and sent to XXXX XXXX as well. I made out police reports against them and the car dealership in Georgia, in both XXXX and XXXX for Identity theft. Notified all State and U.S. Attorneys, have cooperated fully and agreed to assist in prosecution. The more I dispute this fraud, the more the company harasses and comes after me.
Consumer complaint received 2021-02-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

On XXXX, I unexpectedly received an email from the bank that my account has been permanently suspended and that all access has been terminated. I have a large amount of money on the account and they are refusing to return my money, access it or transfer it to another account. I made numerous attempts to call them and I was told there was nothing i can do and given no explanation.
Consumer complaint received 2021-05-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

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 stress 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 2021-04-01
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. (AR)

I did not authorize nor did I ask any of these companies to pull my credit. it has been well mover 30 days and there has been no conclusion of the investigation I've asked for.
Consumer complaint received 2021-12-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (IL)

This consumer complaint is primarily based on KIA Finance applying inappropriately for monthly payments on account XXXX. On or about XX/XX/2021, Complainant processed payment of the said account of {$4000.00}. At which time of the last date of payment Complainant account was two months in advance in the monthly vehicle payments. When the Complainant  made the payment of XXXX, this advanced payment carried the Complainant account $ XXXX {$330.00} = ~12 months in advanced payments. This meant Complainant 's next vehicle monthly payment was not due until XXXX. The Complainant requests that KIA Finance immediately rescind all notifications to the three major credit bureaus, return all late charges levy on said account due to KIA finance inappropriately payments, and place the said account in its proper status, updated. On XX/XX/2021, Complainant spoke with a representative ( XXXX ) from KIA Collection ( XXXX ) or the arrearage Department, informing him that he could not assistance the Complainant on his account problems.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

XXXX  has lost 3 police reports but nothing else. I now misplaced the reports they admit loading. The police reports weren't even needed but they lie and don't change nothing until you have one. So they deleted some hard inquiereys but there were 2 if each. So they deleted the first date off report but now they can't find it. It is 3rd time I sent two reports the police hated doing because this is fraud happening but not police fraud. I also used the FAIR CREDIT REPORTING ACT. They have my laws and what I asked for? They didn't do any of it and there 45 days are up. They lie and say the fair reporting agency doesn't apply to them. Probably because they are located in XXXX. Anyways they had their time and I sent them these small items but they refuse even with reports they used but now list. They do have my fcra sections 609,623 and 604. But they say they laws don't apply. I want the 5 hard inquiries that my ex put on my report off, the 2 late payments on XXXX XXXX  and XXXX credit cards that were mistakes off and the 7 year old fraud case of XXXX dollars somebody got card and took all of it out in cash. The credit can't company didn't inform me or the credit butesus. I we antbthst off like the 2 other agencies took off.
Consumer complaint received 2021-03-28
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: EQUIFAX, INC. (NY)

I notified Equifax that I am a victim of identity theft, and there response is that I am a third party. I am not a third party, I am person, and I XXXX XXXX state that I am a victim of identity theft who is submitting this complaint myself. and give authorization to Equifax to look into this matter.
Consumer complaint received 2024-04-01
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

On XX/XX/year> I deposited a IRS Treasury check of XXXX to the bank instead of it being available next day or the next week it put my account on froze and locked no funds can be deposited or withdrawn it is XX/XX/year> XXXX weeks later since I deposited my check the treasury cleared the check but citizens bank still wont release my funds
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I contested the following information included on the attached files with Equifax and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. Equifax has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.
Consumer complaint received 2021-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (OK)

every year sinse 2014 i have paid my taxes in XXXX rather than XXXX as that is easier for me .also paying the appropriate penalty charges .no one ever told me that was aproblem till this year when rather than call me and inform me of the problem and give me the oppertunity to fix it, quicken loans forced me into an escro account that i dont want and can not afford. i called and pleaded with them to let me pay them for the taxes and put things back like they were before this misunderstanding ... there response was not no but XXXX no absolutely no exception and their decision is causing me financial strain and hardship in Theese Troubled Times Please help me dissolve this unwanted and unneeded escro account thank you sincerely XXXX XXXX