davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Credit reporting agencies XXXX, Equifax and XXXX refuses to delete the unauthorize hard inquiries and negatives from my credit report. As of XXXX XXXX,2017 I received a credit monitoring from XXXX XXXX on my scores dropping to XXXX in which my scores was up in the high XXXX 's. I making timely payments on my two accounts XXXX XXXX loan and auto .I only have two accounts on my credit report. XXXX XXXX stated the credit scores comes from XXXX, XXXX and Equifax. XXXX XXXX also has a issue reporting accurate information. Very Urgent Matters!!
Consumer complaint received 2017-08-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

XXXX Sent a hard copy dispute via USPS certified with return receipt which was delivered on XXXX XXXX, 2017.  Have not gotten any acknowledgement, notification or contact with respect to my complaint and dispute. Attempts to make contact online has been fruitless with the system not acknowledging my inquiry. Telephone contact has sent me around in a circle going from one automated system to another. ****** Recently there was a reduction in my score since the time that I mailed then submitted my dispute. Again after holding on the phone for over 30-minutes, and STILL no acknowledgement of receipt. The 30-days for investigation of my dispute and complaint has already begun. USPS tracking number : XXXX XXXX XXXX, 2017, XXXX XXXX Delivered, XXXX XXXX XXXX, TX XXXX Postal Product : First-Class Mail Features : Certified Mail Return Receipt l
Consumer complaint received 2021-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC (GA)

On XX/XX/2021, I contacted the FS Genesis ( DBA Indigo Card ) credit card company regarding my account with them. The card I held had previous unauthorized purchases on it and although I had contacted the company regarding the fraudulent amounts several times earlier in the year, FS Genesis/Indigo continued to allow the charges to accrue, while charging me interest on the amounts, and did not offer an explanation as to why this was all occurring. 

Bizarrely, Indigo sent replacement cards to me but allowed those unauthorized debits and purchases to not only continue but they allowed the charges to transfer over to the new cards as well. 

Frustrated, I chose to not make further payments on the card until those issues were addressed. In seeking to find a resolution, on XX/XX/XXXX, I spoke with a representative at Indigo and subsequently a supervisor who offered to waive {$110.00} in late fees if I agreed to pay {$210.00} on the account that same day. 

I made the payment and today, XX/XX/XXXX, I realized my bank account was deducted for the {$210.00} total but the late fees were not removed. I then called Indigo and was told by a representative that I had supposedly requested my late fees not be waived. Considering how absurd that is, I asked for a supervisor who then offered to waive 2 late fees -- one less than the agreed-upon 3 late fees. I declined and advised that individual that I would prefer the agreed upon fees be waived or my money refunded. That person then agreed to waive all three of the late fees. 

Hours later, I attempted to log into the account but my credentials would not work. So I called Indigo and was advised that my account had been closed which means, Indigo opted to keep my money and close my account instead of refunding fees which they agreed to reverse and that to me smells like fraud and deception and I relayed as much to them over the phone. 

I would like this company to be sanctioned for their conduct by this agency and I'd like to add that this sort of activity seems to be a clear standard business practice for this disreputable company, which has accrued tons of negative reviews online along with accusations of other inappropriate and potentially unlawful business practices. 

I'd like to point out that I have not made a purchase with this card in over a year and the only remaining balance are late fees on payments concerning a balance that is fraudulent in nature. 

Thank you.
Consumer complaint received 2017-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I disputed an incorrect account belonging to XXXX XXXX on my credit file. Equifax credit reporting agency deleted the account but reinserted it onto my report without notification. By law I am required to be notified within five days of a negative item being reinserted onto my credit file. On the attached files, I 've included photo proof showing the account was deleted from my credit file. As well as proof of the account beign reinserted onto my file.
Consumer complaint received 2016-08-30
Product: Credit card — 
Issue: Transaction issue — 
Company: BARCLAYS BANK DELAWARE (AZ)

I closed my Barclay 's Bank XXXX in XXXX of XXXX. In XXXX XXXX they permitted a recurring charge to post to this closed account. I have refused to pay the charged amount on the simple premise that the day I closed the account was the day I no longer was in agreement with the terms of service. Since I am no longer in agreement with the term of service, I am under no obligation to pay a change that was permitted to post 6 months after account closure. Barclay 's failure to rectify their mistake has now escalated to the credit reporting agencies and is impacting my previously pristine credit rating.
Consumer complaint received 2017-08-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MO)

I was denied a lower interest rate based on a " credit score '' provided by Equifax. I received a copy of my full credit report from that agency but can find nowhere in that document that states a " score. '' I have been unable to obtain any information from Equifax about how that come up with this number. I have received credit scores through to other credit reporting services ( XXXX XXXX and XXXX XXXX ),  supposedly reported by Equifax, of XXXX and XXXX respectively. The credit score Equifax reported to my bank was XXXX. This lower score is causing me to pay a 2 % higher interest rate on my loan. I need to get Equifax to correct the score reported to my bank in order to receive the lower rate. I have found it impossible to communicate with Equifax if your situation does not fit into one of their pre-selected categories.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I thoroughly observed my credit report recently and noticed my personal information was inaccurate. I sent letters out to the XXXX credit reporting agencies asking that they update my personal information. I sent my first round of request out XX/XX/2022 and the second round request XX/XX/2022. I have yet to receive any type of correspondence from any of the credit reporting agencies. I asked if they would only provide my current address and remove all other non applicable addresses as well as phone numbers, employment and the way my social security number is displayed on my report.
Consumer complaint received 2017-10-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (MD)

After initiating an XXXX loan application with the Navy Federal business services representative in my local area, using my home address as we established our franchise aquisition, my husband and I each received debit cards and the accompanying pin numbers, from Navy Federal, at the retail store location, before we took pocession of the business or had access to that mail. 
We later received an account statement that was opened for our business, under the company name, that was opened XXXX, using a wire deposit from my personal checking account, of {$100.00}. 
On XXXX the account was closed. 
I DID NOT REQUEST OR AUTHORIZE ANY OF THESE TRANSACTIONS! 
I was only aware that the XXXX did not approve our loan and so I did not anticipate working with Navy Federal commercial banking in any way, into the future. How and by whom were these cards and this account initiated?
Consumer complaint received 2017-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I did a balance transfer from this credit card company ( Capital One ) on XX/XX/XXXX and the balance is still showing as of today XX/XX/XXXX. The card that I transferred the balance to is also showing the balance. Therefore, I now owe double on my credit file and it has affected my score. I contacted customer service and spoke with a " XXXX '' and he seemed confused by my questions of why I am still showing a balance. He thought I was asking to apply for an additional credit card.
Consumer complaint received 2017-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I did a balance transfer from this credit card company ( Capital One ) on XXXX and the balance is still showing as of today XXXX. The card that I transferred the balance to is also showing the balance. Therefore, I now owe double on my credit file and it has affected my score. I contacted customer service and spoke with a " XXXX '' and he seemed confused by my questions of why I am still showing a balance. He thought I was asking to apply for an additional credit card.
Consumer complaint received 2021-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want remarks removed from my Transunion because they opened another investigation without my authorization. I asked for inaccurate & incorrect information to be removed from my credit after I physically showed them what was incorrect, this was a factual dispute based on the report that they supplied & I highlighted the many errors but Transunion continues to violate the FCRA while posting a remark on my credit that lowered my score 67 points
Consumer complaint received 2021-08-04
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. (NJ)

On XX/XX/XXXX I disputed 4 unknown inquiries through the FTC that were reporting on my Transunion report. In response, Transunion deleted al 4 of those inquiries and updated my report as of XX/XX/XXXX. Those inquiries were : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-05-21
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Intercoastal Mortgage LLC (NC)

My home has been under construction since XX/XX/2019 through one of there preferred builders. The lender has not tried to help reach out for a resolution and has allows the builder to place a lien on the property stopping me from closing and selling the property. No work has been done in over a year and I continue to pay {$1200.00} each month for interest that has accrued on the property. I have tried settling this matter with the contractor and have tried asking what my current options are as I have been stuck for over 2 years because there builder walked away from the job without completing the work. The lender continues to threaten me stating the balance is owed but does not offer any assistance on a home I pay for monthly. The lender offers me no protection whatsoever and has not provided no assistance throughout this nightmare
Consumer complaint received 2017-09-01
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. (IN)

After several attempts to have this issue resolved, I received statements on my credit report that the dispute was not specific and updated. How was the disputes updated if they were not specific? I have not received debt validation on the following accounts : -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX The credit bureau has not satisfied it obligation to provide the information requested.
Consumer complaint received 2023-01-28
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: EQUIFAX, INC. (TN)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-08
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: Experian Information Solutions Inc. (NY)

I am writing in regards to having these items deleted from my report. I am a victim of identity theft and I did not authorize these inquiry requests and I did not make these charges mentioned with the list. I have reported the theft of my identity to the Federal Trade Commission.
Consumer complaint received 2020-07-11
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: ACIMA CREDIT, LLC (FL)

Investigation is taking longer than 30 days. Sent letters to XXXX, XXXX & XXXX XX/XX/2020 about inaccurate information on my credit report. 

XXXX XXXX XXXX {$740.00} ACIMA CREDIT FKA XXXX  {$2000.00}
Consumer complaint received 2017-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

After several attempts to have this issue resolved, I received statements on my credit report that the dispute was not specific and updated. How was the disputes updated if they were not specific? I have not received debt validation on the following accounts : -XXXX XXXX XXXXk XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX credit bureau has not satisfied it obligation to provide the information requested.
Consumer complaint received 2016-08-29
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD)

I completed a money transfer today XXXX/XXXX/2016 to XXXX and had been notified by the recipient that there is no record of the transfer. After tracking on the website it states that there is no record of the transfer.
Consumer complaint received 2017-08-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (NY)

Commenity Capital Bank/XXXX is reporting a late payment for the month of XX/XX/XXXX. I have tried to ask them to remove it because I did not receive my statement that month regularly during a move I made in XX/XX/XXXX from XXXX to XXXX XXXX.. Recently, when I called the bank and asked to put in a dispute for the incorrect reporting of the late month, they said I would need to mail them this information. This is the first time I 've been ask to mail in a request to dispute, which is why I am notifying CFPB in hopes they can help me submit this request electronically. I am trying to apply for a home mortgage and want to make sure that all my creditors are reporting accurately as my score greatly depends on that information.
Consumer complaint received 2022-02-08
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: EQUIFAX, INC. (NJ)

After reviewing my most recent report, I discovered some items for which I had never applied or received any correspondence. A bill sent without a signature does not suggest that the debt is legal, and anyone can claim ownership of a bill. Be warned that this is an effort to violate FDCPA 1692, which is a federal law
Consumer complaint received 2017-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX at approximately XXXX, I spoke with XXXX XXXX in the insurance department at Santander Bank. 
XXXX XXXX had me on hold for 15 minutes and when he returned on the line he told me it would take a while to resolve my issue with the flood insurance. He said this was because of the situation in XXXX Texas. 
I was very upset hearing this news after I was told by XXXX XXXX on XX/XX/XXXX that I would receive a refund from Santander when I could prove that I had an active flood insurance policy which my insurance agent, XXXX XXXX, forwarded to Santander. 

XXXX XXXX then replied that he would have to put me on hold " until you calm down. '' I waited on the other line and after 10 minutes I hung up. 

I later spoke with a gentleman named XXXX that assured me that he would take care of me and I would receive my money back of {$1400.00} in the mail from the flood policy that was mistakenly added to my mortgage by Santander. 
XXXX XXXX left a message on XX/XX/XXXX stating that the problem was resolved and the {$1400.00} was put in my escow account.
Consumer complaint received 2021-06-24
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. (TX)

I have obtained the letter from XXXX XXXX. Please see attached letter. 
I need the 3 credit bureaus to correct XX/XX/2021 Hard Inquiry to a soft inquiry.
Consumer complaint received 2020-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL FTC VIOLATIONS ABOVE ATTACHED ARE CASES
Consumer complaint received 2020-04-10
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. (TX)

Inaccurate information on credit report. FTC violation. 

XXXX XXXX  XX/XX/XXXX {$1400.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$400.00} XXXX XXXX XXXX  XX/XX/XXXX {$420.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$13000.00} XXXX XXXX # XXXX XX/XX/XXXX {$550.00} XXXX XXXX  XX/XX/XXXX {$500.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX   {$250.00} XXXX XXXX XXXX {$430.00}