davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports : EQUIFAX MORTGAGE SER-Date of inquiry XX/XX/XXXX XXXX-XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX
Consumer complaint received 2020-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Consumer complaint received 2020-07-21
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. (AR)

I was in the process of buying an ATV for summer fun. As I was looking for the one, I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theftXXXX {$360.00} XXXX $ XXXX
Consumer complaint received 2020-11-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monarch Recovery Holdings, Inc. (FL)

I identified that the company is calling the wrong number and that this number has been associated with me for over 40 years and they need to remove me from their system or list. They keep calling. I now want them charged legally for Harrassment. My number is unlisted. My number has been registered with the DO NOT CALL Florida and national registries.. They call before while Im still sleeping. I am not the person they are calling about. 

It has to stop and they should be prosecuted, in my opinion, for the Harrassment. 

Thank you.
Consumer complaint received 2023-02-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have been getting spammed with debt collector since XXXX. Since Im currently going through financial hardship its been extremely hard and stressful for me to provide just food and rent let alone pay debt. Capital one and XXXX XXXX have been calling all time of day some as early as XXXX in the morning to random time like XXXX. I ended up blocking most of XXXX XXXX number but a few still pop up. Capital one has no restraint and presses with phone calls and emails.
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY (TX)

Dear TD Bank Management, I am writing to dispute the interest charge on my credit card account due to financial hardship. I have been facing financial difficulties due to unemployment and unexpected bills such as medical bills for the kids and the newborn. My husband was away from home for his study and he to pay for housing, foods, etc. 

I honestly was not aware I was charging interests on my account until I recently checked and reviewing my account. I did not receive a notice that my account has been accruing interest. I thought the account has been paid off. I recently paid off the account because I dont want another accruing interest for the month of XXXX. The accruing interests are outrageously high. I believe it is unfair and has been a distress for me see my balance accruing interests. I have five very young kids to take care of and this is a difficult situation along with the rising costs of inflation. Please understand my hardships and I believe that the interest charges on my account since XX/XX/2022 would be waived during the financial hardships. I know that I can talk to a representative, but they may not be able to help me because they do not have authority to waive the interests as requested. And if I sent a letter, it would probably get ignored.
Consumer complaint received 2024-02-24
Product: Credit reporting 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. (NV)

I do not recognize these inquiries. I have requested that they be removed from the bureaus, but they were not removed. 
I am providing an identify theft report and I am requesting that they be removed because I did not authorize them.
Consumer complaint received 2018-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

Citibank offered a {$500.00} bonus for qualifying account and activities. Upon completing all qualifying activities, Citibank did not pay me bonus. Have emailed and called numerous times. They say they are working on it. I was assured by banking representative, XXXX XXXX, that I did qualify and I would get paid. I still have yet to see the bonus cash. I believe I was mislead/tricked into opening an account. They advertise for bonus, tell me I qualified for bonus, yet refuse to pay me. Very deceitful company. They should not be able to advertise bonuses to trick people into opening a accounts. Should be down right illegal.
Consumer complaint received 2018-09-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (KY)

I am coapplicant with exhusband on a home loan that we had obtained when we were married. There has never been a payment missed since we had the loan in 2008. My exhusband fiked bankrupcy an upon my notification of the bankruptcy Planet home lending would not take a payment from me nor allow me to make payments online or via phone automated systems. Planet wouldnt even send me a statement. I spoke to bankruptcy department many times an was advised that because they received notification of bankruptcy that I needed to talk to my lawyer in ref the account because they couldnt. After multiple failed attempts I finally got a hold of a mortgage counselor who was able to help me an apologized for what i was being told by other representatives. I was able to finally make payments an get account up to date. I was told by the mortgage counselor that i should not get a late payment an if i do to call back an they would submit to remove it. When I called back inwas told that if inwould have made the payment 2 days earlier it would not have reflected as late, but as i explained ine i couldnt an 2 i had to physically speak to someone to do it an they were closed on weekend an the XXXX fell on a Sunday.But Planet home lending still reported on my credit report as being late for the month of XXXX and XXXX when it shouldnt have because if i have no way to make a payment because they are closed an my due date falls on a Sunday they cant mark it as late because i couldnt use automated system it had to be with live representative.I am XXXX XXXX military an this late payment not only affects my security clearance but it also it affects my borrowing ability. I have never missed a payment ever an this one was clearly an error caused by the confusion of my exhusbands chapter XXXX bankruptcy. I contacted Planet hone lending an asked to speak with supervisor an was told that one would call me but never did. I also spoke with a rep an they said planet home lendings credit department stated that planet home lending did nothing wrong. I am not trying to say planet home lending is a bad company because they are not an they have taken care if me as a customer an thats why I have stayed with them for so many years. I just think that this was bad miscommunication due to the confusion of the bankruptcy an XXXX people being on loan where one did not file bankruptcy is complicated an I just hope an pray that planet home lending will continue to take care of me by fixing this critical error that could cause me my XXXX year career as an XXXX. I have reached out for a member of coporate to contact me via telephone annthey have not. I got a letter in mail but it does not include all details ... XXXX they left out calls to mortgage counselor an bankruptcy department.
Consumer complaint received 2020-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

When I started checked and disputed some errors with TransUnion on XX/XX/2020. At that date, my report still showed that I was authorized user for XXXX, XXXX XXXX and XXXX XXXX platinum. After my first resuft came out and I checked my report on XX/XX/2020, my XXXX XXXX/XXXX  ( account ending XXXX ) was deleted from my credit report. Then, I filed dispute again to get the errors fix, but when the new result from my dispute on XX/XX/2020, my XXXX XXXX platinum ( account ending XXXX ) and XXXX XXXX ( account ending XXXX ) is deleted from my credit report. I call XXXX and XXXX XXXX to find out what is going on, but they told me that they always report to 3 credit bureau even you are only the authorized users from the account. Now I don't know how to dispute these 3 accounts because they are no longer in my credit report. I also attach some evidences to support my complaint. The result of their mistake make my credit score drops and get high interest rate if I decide to apply for new credit.
Consumer complaint received 2017-03-20
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

I paid my payment by installment last three months,XX/XX/XXXX $ XXXX $ XXXX {$80.00} each time i request the receipt for above payment but still they not providing the riciept.
Consumer complaint received 2023-02-26
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 — Their investigation did not fix an error on your report
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

On XX/XX/XXXX I faxed a complaint to Carrington Mortgage due to late payments reported on my credit report while I was on a COVID forbearance program, as my wife had contracted XXXX  twice in XXXX and was hospitalized, causing a loss of income and increased medical expenses. I included copies of the mortgage statements that they had sent to me during this period of negative reporting, which clearly state on the statement that You are currently on a COVID-19 Forbearance Plan. See additional information related to COVID-19 Forbearance Notice on page 2. The same statements further state : " IMPORTANT COVID-19 FORBEARANCE NOTICE : You are currently on a COVID-19 Forbearance plan. Please note that the billing statement shows the Amount Due, which is the contractual amount needed to bring the loan current, however, you are not required to make any payments during the COVID-19 forbearance period. In addition, your account will not be assessed late charges, receive adverse credit reporting and there will be no foreclosure action during the COVID-19 forbearance period. Please refer to your COVID-19 Forbearance plan letter or visit your account online for more details. '' However, their response was that while the statements indicated the active forbearance there were other letters sent advising that the forbearance was expiring. However, I extended the covid forbearance and they don't have any documentation stating the forbearance expired or was extended, even though they continued it for a period thereafter. 
Furthermore, when I asked for reinstatement options they referred me to the State of Texas website which indicated that my income was too " high '' for any programs and I had to come up with twenty four months of payments in one lump sum to avoid foreclosure. I paid over {$29000.00} to keep my house after being on a government backed forbearance program. How did anyone expect to pay all the months that were deferred in one lump sum payment? Also, during the forbearance period Carrington would not accept partial payments. This was a terrible and frightening experience to have the threat of losing our house after dealing with Covid. I feel Carrington is not supportive of the governments efforts nor the situations that some of their borrowers faced on these unprecedented times. And I would also ask why the government programs could not help all Americans that were on these deferred programs. 
I have been unable to refinance this mortgage or obtain credit due to these marks. It has had an extremely detrimental effect on our lives.
Consumer complaint received 2020-09-19
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. (AZ)

On XX/XX/XXXX XXXX XXXX XXXX closed account # XXXX in the amount of {$700.00} On XX/XX/XXXX XXXX XXXX XXXX placed the same amount of debt that they claim I owe under a different account # XXXX which I have no knowledge of either account or debt. 

Letters of disputes were sent and received on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The latest dispute letter I received from XXXX XXXX was on XX/XX/XXXX and that stated that account # XXXX was in a dispute status. 

Every time a dispute letter was sent, XXXX XXXX constantly sent me a copy of bill from Arizona XXXX XXXX which they are using for their METHOD OF VERIFICATION. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute a METHOD OF VERIFICATION. 

As of current, Ive only gotten responses back from the dispute letter Ive sent to XXXX XXXX from XXXX, Experian and XXXX stating that the debt was valid. 

As of XX/XX/XXXX Ive yet to hear back from XXXX XXXX Stating how and why the debt was valid with no method of verification. 

Since the debt was last disputed on XX/XX/XXXX, XXXX XXXX has again willfully violated the FRCA by not responding to my dispute. 

XXXX XXXX XXXX has not responded within the required 15 day deadline of sending their METHOD OF VERIFICATION. 

Not only they have not responded in 15 day deadline, but they have not responded to my dispute letter since XX/XX/XXXX. 

I have previously reached out to XXXX XXXX XXXX several times with all required documentation concerning this alleged debt. 

I have have asked XXXX Systems for theIr METHOD OF VERIFICATION three times, and three times I have been denied my request for their method of verification and met with NON COMPLIANCE. 

As stated in 609 Disclosure To Consumers [ 15U.S.C 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : As we know, the information that verifies the information inside a credit report is supposed to be in the files of the credit bureau as well.

This is the Information that the credit bureaus are supposed to store in their database on every consumer.

As well as 609 ( c ) ( E ) As of XX/XX/XXXX XXXX XXXX XXXX is still reporting all negative Information about this alleged debt to all three of my credit reports. Experian, XXXX and XXXX. 

I am asking the Consumer Financial Protection Bureau to investigate the non compliance by XXXX XXXX and the disputes that i have submitted.
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

I have sent the request 5 times requesting that the fraud alert statement and freeze on my account be removed along with my ID Change of address card a bill in my name my bank statement and this last time a photo of myself and they still have not removed the fraud alert from my report! I've tried calling as well and was told that i need to the same thing i have already done to have it removed!!! This is ridiculous that I've jumped through every hoop and they think that they dont have to do what i request for my credit report! Its my report if i dont want the statement there then it needs to be removed!
Consumer complaint received 2020-09-19
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I filed for Chapter XXXX bankruptcy on XX/XX/XXXX in the United States District Court District of XXXX. My Kohls credit card account was included in the bankruptcy petition for the current balance I owe kohls.  There was some unauthorized transactions made on my Kohls credit card account from XX/XX/XXXX to XX/XX/XXXX and Kohls did an investigation and determined I was not liable for the unauthorized transactions that on my Kohls charge account. Kohls recently sent me a letter informing me, I am now liable for unauthorized transactions that Kohls determined previously, I was not liable for. Kohls also filed a police report with the XXXX XXXX Police Department in XXXX XXXX XXXX, MN requesting for criminal charges be filed against me for unauthorized transactions that was made on my Kohls charge account from XX/XX/XXXX to XX/XX/XXXX, that Kohls previously informed me I was not liable for. I did not commit any fraud or crime with my own Kohls credit card account. There has been miscommunication and a misunderstanding with me and Kohls in regards to unauthorized transactions that was made on my account from XX/XX/XXXX, to XX/XX/XXXX. I can not recall any of the unauthorized transactions that was made on my account from 9 months ago. Even after filing for bankruptcy, Kohls continued to contact me by sending me letters by U.S. mail informing me of their investigation of unauthorized transactions on my Kohls credit card account. The federal bankruptcy law of an Automatic Stay specifically states that creditors can not contact you to collect debts after youve filed bankruptcy. The Automatic Stay protects me from harassing phone calls, emails, and letters. My Bankruptcy Attorney XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX will be in contact with Kohls about this matter.
Consumer complaint received 2020-09-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (NJ)

The mortgage lending officer from Citi bank branch in XXXX XXXX XXXX in New York who named XXXX XXXX XXXX gave me big trouble. 

My Citi personal wealth management wealth advisor introduced her to me, since Im buying a house. But XXXX kept complaining her in front of me. 

Then XXXX asked me for lots information. Such as 2 month business statement 2 years business w2profit and loss statement and this year balance sheet. I spent lot of time and money to my accountant for them. After she received them, she told me she doesnt need them. 

Then she asked me for my paystub. I sent her my paystub from last month and called her to make sure its ok. She told me it works. But after a while, she told me that doesnt work. She need paystub from this month. 

I was really upset. I called her and asked her to be more careful with my case mannerly. She told me to find other mortgage lending office and hanged up my phone! And she texted me that she doesnt have much time and energy for me. She had lots of clients now. 

Thats really not professional at all. She totally wasted my time and money!!
Consumer complaint received 2020-11-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

as of XX/XX/2020 i sent a letter to Equifax, XXXX, and XXXX  about inaccurate information reporting to my credit report. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have not Received a response from the Bureaus. On XX/XX/2020 I sent another letter to the bureaus to comply and still no response. It is now XX/XX/2020 and i have yet to get a response from the Bureaus.