davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX {$4500.00} XXXX {$3400.00} XXXX {$19000.00} XXXX {$3600.00} XXXX C XXXX {$2700.00} XXXX C XXXX {$310.00} XXXX XXXXXXXX {$630.00} RECEIV XXXX {$1400.00} XXXX  XXXX {$240.00}
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I had a loan with XXXX XXXX. When I became a victim of identity theft I called them and told them to update my personal information and to remove my email from the account so that the person who stole my account would not be able to access the account any longer. They told me they could not and continued to send my account information to the stolen email account. I refused to pay and they sold the loan to another company. I paid that company off because they were able to secure my personal information. I called XXXX XXXX to have them correct my information by sending them the " paid in full '' notification from the company they sold this debt to. They refused. 
XXXX XXXX sold this debt but still report it as a charge-off. I am being penalized twice despite having paid off the debt. They are an online company and are unable or unwilling to ensure that their customer 's information is secure.
Consumer complaint received 2024-03-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

I don't recall having a contractual relationship with this collection company LVNV FUNDING. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Incorrect Names : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, L Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : HOMEMAKER Date Updated : XX/XX/2012 RDS Date Updated : XX/XX/2012
Consumer complaint received 2018-02-19
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. (FL)

XX/XX/XXXX purchased a new XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX. They have been doing fraudulent sales tactics and they messed up on the original bill of sales to include my XXXX trade in from XXXX XXXX. I signed paperwork that has XXXX taking Power of Attorney over my trade in. They haven't sent XXXX XXXX the payoff check. I sent in the paperwork to XXXX XXXX showing I traded in the car but they keep harassing me. I'm not responsible for the car. Matter of fact, XXXX is under investigation by the XXXX and Florida XXXX XXXX. They have purposely with held the additional paperwork from XXXX XXXX because XXXX will not refinance the Journey to include the negative equity from the XXXX. That's why XXXX hasn't sent the money to XXXX XXXX. XXXX has doctored up fake application numbers and denial letters. I have a letter from XXXX XXXX congratulating me on my purchase from XXXX XXXX XXXX XXXX XXXX. XXXX has stolen my car from my work and they no longer own the car.
Consumer complaint received 2022-05-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I sent a letter to Equifax via United States XXXX XXXX XXXX Mail. My letter disputed the following seven ( 7 ) hard inquiries from my credit report. 
1. Creditor : XXXX XXXX for XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX. Creditor : XXXX XXXX  for XXXX XXXX XXXX  Inquired on XX/XX/XXXX. XXXX XXXX. Creditor : XXXX XXXX for XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX. Creditor : XXXX XXXX XXXX XXXX for XXXX XXXX XXXX. 
Inquired on XX/XX/XXXX. XXXX XXXX. Creditor : XXXX XXXX for XXXX XXXX Inquired on XX/XX/XXXX. XXXX XXXX. Creditor : XXXX XXXX for XXXX Inquired on XX/XX/XXXX. XXXX XXXX. Creditor : XXXX XXXX for XXXX XXXX Inquired on XX/XX/XXXX. XXXX Please see attached files titled " Equifax '' and " XXXX Equifax.pdf ''. I have also attached images of the USPS Certified Mail receipt. 

It has been over 60 days since I contacted Equifax. I have not received any response from Equifax by email or mail. 

On XX/XX/XXXX, I received a letter from XXXX denying me a credit limit increase. A reason for the denial is that the credit reporting agency reported too many inquiries. ( Please see attached letter titled " XX/XX/XXXX - XXXX denied my request for credit increase.pdf '' ). 

Please help me. I have an excellent credit history. I have an exceptional payment history with zero delinquencies among the 10 open accounts. The only " poor '' part of my credit report is the amount of hard inquiries. Please investigate the seven ( 7 ) credit inquiries I indicated. Please remove the seven ( 7 ) credit inquiries. 

Another credit reporting agency ( not Equifax ) asked me to contact the vendor, obtain a deletion letter, and send authorization to the credit reporting agency. Please do not ask me to do this. Please forgive me for being utterly exhausted and burnt out. I am so sorry. 

Thank you for your time and attention to this matter. Please investigate and remove the seven ( 7 ) credit inquiries I indicated. Thank you very much.
Consumer complaint received 2022-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (MT)

My mortgage has been transferred from XXXX XXXX to BSI Financial Services in XX/XX/XXXX. My escrow account has been transferred to BSI Financial Services and I have made XXXX mortgage payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all of which included escrow payments. 

BSI Financial Services have not paid my County taxes out of my escrow account which were due XX/XX/XXXX. The taxes are now over 1 month delinquent and have accrued both late penalties and late interest fees. 

I called BSI Financlal Services on XXXX XXXX to confirm they had my escrow account and taxes/insurance information from my mortgage transfer and they responded they did not have that information and have created a request for their escrow department to expedite my request to get the escrow account squared away. I've followed up with two additional phone calls, roughly on XX/XX/XXXX and XX/XX/XXXX to have my taxes paid. 

I've submitted two email requests to expedite the process, the latest email sent on XX/XX/XXXX with a note I would be consulting a lawyer if my taxes were not paid. I've reached out to XXXXy county tax office and they have also sent an email to BSI Financial Services along with a copy of the delinquent taxes they have failed to pay out of my escrow account. 

I have contact BSI a total of 6 times - 3 phone calls, 2 emails submitted from XXXX XXXX XXXX/, and 1 email submitted XXXX, from my county tax department on my behalf. 

The current amounts BSI Financial owes my county tax office : 1st half XXXX taxes : XXXX Penalties due to late/non payment : XXXX
Consumer complaint received 2018-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have a Capital One Credit Card and Ive a few problems. 

First, when I made my first monthly payment, it took approximately 5 days to take from my checking account, as there was an option to take from my debit card. 

It took too long, I didnt have the money in checking account for my monthly payment, and it bounced back, and I was charged with XXXX {$25.00} return fees. 

The next month I was charged a past due few of {$25.00}, interest in the amount of {$6.00}. 

The following month a past due few of {$35.00} was charged, and an interest fee for {$7.00}. 

The next month, another {$35.00} past due fee and an {$8.00} interest fee charge. 

Thats over {$100.00} in fees. I dont think thats fair at all. 

I called the company and they told me if I paid the balance on the card they would see about crediting the fees, and thats not acceptable as a consumer.
Consumer complaint received 2022-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CLGF Holdco 1, LLC (RI)

Hi INDIGO ; Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XX/XX/2021 for 30 days. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-09-05
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. (FL)

The credit bureau 's are reporting inaccurate names and addresses as well as fraudulent accounts and inquiries so I am writing you to see if you can help me resolve this issue before further damage is done to my credit report. On XX/XX/2021 I sent the credit bureau 's a list of inaccurate names and addresses and as of today they still report although I notified them that this reporting is a result of fraud. Attached to this complaint are the letters that were mailed and the identity theft affidavit that was filed through the FTC website.
Consumer complaint received 2019-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (CA)

XXXX XXXX transferred our account to PHH, but in the transfer, they lost a payment of {$1200.00} that we made on XX/XX/XXXX. When we contacted PHH on XX/XX/XXXX, they told us we would have to speak to XXXX, and when we called XXXX on XX/XX/XXXX, they told us that they couldn't access the information and that we would have to speak with PHH. In other words, between the two companies, they either lost, misplaced, or stole our payment of {$1200.00}.
Consumer complaint received 2022-01-15
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. (IA)

XXXX XXXX is reporting multiple accounts to my credit ratings which are not mine dispute my numerous disputes, online inquires to validate, XXXX complaints and bureau disputes over the course of 4 years.
Consumer complaint received 2022-01-15
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. (FL)

I checked my credit and noticed a numerous amount of credit inquiries that I did not authorize. I have credit already with the consumers and noticed some of them did multiple inquiries back to back monthly without my consent. I have not recieved no extra cards or services. There was fraudelent charges but my cards were replaced thats all. I never authorized those inquiries from experian and equifax. 
XXXX ( XXXX inquiries XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX, XXXX Equifax ( XXXX inquires ) XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX called the credit bureaus to dispute these inquiries but they told me to contact the CFPB first. I would like these removed from my credit as I gave no authorization nor consent to the those inquiries
Consumer complaint received 2021-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The credit bureau 's are reporting inaccurate names and addresses as well as fraudulent accounts and inquiries so I am writing you to see if you can help me resolve this issue before further damage is done to my credit report. On XX/XX/2021 I sent the credit bureau 's a list of inaccurate names and addresses and as of today they still report although I notified them that this reporting is a result of fraud. Attached to this complaint are the letters that were mailed and the identity theft affidavit that was filed through the FTC website.
Consumer complaint received 2018-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

On two separate occasions I applied for a CitiBank credit card with the 0 ( zero ) interest for 18 months. On both occasions I was denied. On the second attempt the response from CitiBank was that I was denied credit because of the legal resolution of a bankruptcy. That bankruptcy occurred in the mid nineties. I do know that my bankruptcy will be noted on financial papers probably for the rest of my life. I also know that 7 years after the bankruptcy I should have been able to re-establish credit.I did. And, my financial picture has turned around. Well, all of this happened 23 years ago. I also know that any company may choose to deny credit to me. The question I have is whether a company is allowed by law to deny credit based only on how a bankruptcy was adjudicated? The irony is I have a CitiBank card in good standing. I just wanted to take advantage of the companys advertising of a zero interest credit card.
Consumer complaint received 2021-09-05
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. (AZ)

XXXX ( XXXX XXXX ) XXXX FOR {$720.00} WAS REMOVED FROM EXPERIAN ON XX/XX/21 AND WAS REINSERTED ON XX/XX/21. I NEVER RECEIVED A NOTIFICATION THAT IT WAS REINSERTED ON MY REFPORT. ACCORDING TO MY RESEARCH, BY LAW, THEY SHOULD NOTIFY ME WITHIN 5 DAYS AFTER THEY PUT IT BACK ON MY REPORT. I SENT COUPLE OF LETTERS REGARDING THAT BUT THEY NEVER RESPONDED
Consumer complaint received 2021-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MA)

I see multiple 60-30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequoia Financial Services (CA)

The debt of {$270.00} is paid in full. Please remove from my credit report. On XX/XX/XXXX a payment of {$100.00} was paid : Order # XXXX, Reference # XXXX, Authorization Code XXXX. On XX/XX/XXXX a payment of {$100.00} was paid : Order # XXXX, Reference # XXXX, Authorization Code XXXX. On XX/XX/XXXX a payment of {$74.00} was paid leaving a {$0.00} balance : Order # XXXX, Reference # XXXX, Authorization Code XXXX.
Consumer complaint received 2021-12-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In XXXX during the Housing Crisis Bubble we signed with a Bank od America representive to a equity line of credit. Unfotunately we were ignorant to and not understanding that we had a interest only loan. 

In XXXX we had to file bankruptcy as a result of loss income, however we continued to make payments. Payments were made from XXXX through XXXX ( interest only totaling some {$20000.00} on a laon for {$30000.00}. We have paid close to {$10000.00} in principle from XXXX to present. 

We were told that if we missed a payment or did not pay at all we would be foreclosed on. 

Our bankruptcy case has ben closed since XXXX. The loan when orginated in XXXX was a variable rate, please see most recent statement and how it has been changed. 

We sent a letter to the XXXX, XXXX XXXX XXXX of Bank of America requesting conideration of debt forgiveness or a discounted amount of the loan. The balance today is now is {$21000.00}. We are seniors and plan to retire soon. We received a response from the Bank, declining our request, not from the CEO no signature from anyone. Please see attached.
Consumer complaint received 2021-09-05
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. (GA)

On XX/XX/2021, I wrote requesting an investigation into items I believed were inaccurate. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. I also sent a second request to follow up on my first request. 

I demand the listed accounts be verified or removed immediately.
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (GA)

I've always paid off my balances in full with Citicard. I hardly carried any balances on my card or any other credit cards. I received offers for a 0 % balance transfer rate through Citi bank with the the payment of a transaction fee. Given the promotion and understanding that a low interest rate ( 0 % ) payable over months was a viable option when I became the victim of credit fraud ( XXXX XXXX Sheriff Department Case # XXXX ), I took the offer, thereby utilizing my credit lines with Citi. It was then surprising to receive a letter indicating that my credit line was being reduced because I had over extended my credit and that my payments were low on the account. Having paid the transaction fee, I purposefully didn't see an incentive to pay off the balance each month since the 0 % offer extended through later in 2022. I am requesting Citi to reinstate my credit lines to the levels they were at since this reduction will cause lenders to think I am credit risk, for which I am not. Alternatively, they misrepresented their advertising. if they are unwilling to re-instate, then they should credit back the cash advance fees and I will pay off the balances in full. They can not have their cake and eat it, as their promotions ( attached ) is the reason I took the advance, understanding the time value of money. I called the number on the back of my card as well as XXXX where I was met by a very rude representative. I encourage Citi to listen to the recording. Please see attached offers and letter received indicating a reduction in credit lines.
Consumer complaint received 2021-12-01
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: Santander Consumer USA Holdings Inc. (CA)

I settled a debt with XXXX for a car loan on a close account from 2015. I called from a XXXX and on a recorded line XXXX representatives states that my settlement of {$1500.00} would remove this from my account. After filing a dispute with XXXX the results came back as if I never settled with Santandar and the results said Santadar said everything was accurate. This is Fraud as the FCA confirms my rights ; I have a receipt of the transaction, and a recording of the settlement. This is now XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I contacted two representatives on two separate occasions in order to get this rectified at XXXX. The lease was PAID IN FULL back in XX/XX/2021 and the leasing company XXXX  continue to report a balance and OPEN account.
Consumer complaint received 2018-02-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (OH)

I tried to close my account over the phone, this was back in XX/XX/XXXX, when i spoke with the representitive on the phone they told me i had to zero my account. When i zero 'd my account they assured me that the account was closed. Well two weeks after my account was suppose to be closed. They still tried to process checks and transfer money from the account with a zero balance. With that, it drew a on a zero balance causing my account to overdraft. They were suppose close the account, and send me information but never did. This isnt the only issue ive had with these guys, back in XX/XX/XXXX of the same year, i was traveling. They put the account on a temp hold due fraud protection. Well they fixed it, then the very next charge they blocked it again. I called to fix it but this time i found out the " Accidently '' canceled the card instead of fixing it to where i could use it again. they left me stranded in another state where i didnt live with no access to my money.