davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
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. (NY)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.
Consumer complaint received 2022-04-06
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: Experian Information Solutions Inc. (CA)

on XX/XX/22 i sent a letter to transition disputing information for names and addresses that did not belong to me I never received a return information or respond meaning the credit bureaus are entitled to delete it permanently off my report
Consumer complaint received 2021-06-29
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. (MO)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NM)

On the weekend of XX/XX/XXXX I went about unlocking my credit freeze so I could refinance our home. I had the PIN for credit, but the agencies didn't want it and I successfully lifted 2 freezes, but with Equifax apparently I answered a question incorrectly. Their computer phone system seemed glitchy and kept interrupting itself. I called them and go no where, except being told to mail or fax my ID etc and it would take 5-7 business days to process that, which I said was too slow, but they didn't change their position. I finally faxed the info to them XX/XX/XXXX, and have not gotten any confirmation that they received it ( other than my fax machine said they did ). I've called today and they said if they did receive it it's not processed. I thought they had to lift my freeze within 1 hour of my request. This 5-7 business day delay is jeapordizing my refinance and stressing me and my patience. Yet the mortgage lenders say they need all 3 credit reports before they can even determine the details of my refinance.
Consumer complaint received 2020-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NC)

I had a mortgage with Freedom Mortgage which I have now paid off during a refinance. 
I paid off my mortgage with Freedom in full on XX/XX/XXXX On XX/XX/XXXX I was charged the PMI for the month of XX/XX/XXXX and was up to date on my PMI. 
On XX/XX/XXXX {$290.00} was removed from my escrow balance. 
I called about this issue and was first told that this was a " hazard insurance supplement '' as they had determined that my insurance was not sufficient. I informed them that I no longer had a loan with them. They were confused and then took 48 hours to " research ''. After 48 hours they contacted me and told me that this was payoff to my PMI. I infomred them that I was up to date on my PMI and that furthermore the amount charged did not align with what my PMI payments were ( which was {$100.00} ). Several customer service supervisors were confused by this issue over three separate calls. They continue to claim that it is a valid charge without being able to articulate what the charge is for. 

I have asked for a refund of the charge and Freedom Mortgage has failed to refund over the past month.
Consumer complaint received 2017-11-02
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. (VA)

inquires were previously deleted from an agent due to me not authorizing them. I contacted the creditors and they told me to contact the Credit Bureau which i did and they added back without any notification to me and I tried resolving the issue with Experian with no success. I sent letter and letters of the laws to Experian USPS certified mail about this matter i have not heard anything.
Consumer complaint received 2023-01-09
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. (TX)

I am unable to obtain all three of my credit bureaus due to Equifax not reporting my name properly. I have contacted them several times. My name should appear on my credit report as XXXX XXXX. It is reading XXXX XXXX XXXX which us causing an error message in correspondence retrieving my credit report. I have not been able to obtain my Equifax credit report for an entire year via XXXX. I was told that Equifax information was incorrect. I have updated my address. They will not correct my name.
Consumer complaint received 2020-07-10
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: EQUIFAX, INC. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. XXXX XXXX {$0.00} XXXX XXXX   XXXX {$380.00} ARKANSAS XXXX XXXX   XXXX {$16000.00} XXXX XXXX  XXXX {$550.00} XXXX XXXX UNIVERSITY XXXX {$3400.00}
Consumer complaint received 2020-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

ON XX/XX/2020 made a charge back complaint against XXXX XXXX XXXX for a trip they canceled. 
I wanted the {$8800.00} returned. They refused and I was issued a conditional credit for {$8800.00} On card XXXX. Dispute # XXXX On XX/XX/2020 Citi requested written information regarding the dispute. I compiled. 
On XX/XX/2020 Citi reversed the conditional credit and determined it was a valid charge. 
After numerous phone calls and written correspondence THE CONDITIONAL CREDIT OR INVESTIGATION WAS NEVER PURSUED BY CITI. 
I contacted the XXXX XXXX and the Mass. 
OFFICE OF THE ATTORNEY GENERAL. 
On XX/XX/2020 my credit card received a REFUND from XXXX XXXX for {$8800.00}. I asked for my money. 
On XX/XX/2020 Citi wrote " ..the credit balance is due to the conditional credit ... in dispute ... 
If resolve in your favor ... you can request a refund. 
Citi has used this credit balance to pay my XX/XX/2020 AND XX/XX/2020 statements!? 
I would like my REFUNDED money returned to me, the balance now is {$6000.00} Thank you
Consumer complaint received 2020-11-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently sent letters over 60 days ago to TransUnion and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.
Consumer complaint received 2019-02-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (NJ)

Hello, I tried to cancel my PNC Bank checking account online and it wouldn't let me. I talked to a representative on the phone to ask them to close, and they refused to and said I had to come in to a branch to close it. This is unfair- they are trying to start charging me more and I just want to close my account without the hassle of trying to get to a physical bank. 

Thank you, XXXX XXXX
Consumer complaint received 2021-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TX)

I contacted Citi and requested to speak with someone in the Retention division of the company. I wanted to address my concerns regarding a dispute that I filed regarding a purchase with XXXX XXXX for concert tickets. The company sided with the company. I purchased concert tickets and the concert was cancelled. To date, I have not received a refund and Citi refuses to properly dispute the matter. The representative acted as if he did not want to help me and basically was steering me to close my account. I told him a few choice words and hung up the phone. I went to use my card later that evening and I was unable to use my card. I checked my account on my XXXX  and it said it had been closed. I'm extremely upset because I did not give any type of consent or instruction to close my account.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: American Credit Acceptance, LLC (NC)

My Auto Loan is not being reported to the Credit Bureaus. I am unable to get a credit score nor am I able to get a home loan because of insufficient lack of reporting to Credit Bureaus. Banks will not accept Credit Report with out a Credit Score
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Account Number XXXX ), has violated my rights. 

n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX ( Account Number XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (CA)

This account does not belong to me at all! I co tacked the company and they advised that the account is 4 yrs old and belongs to me! Again I advised the company it does not and to remove from my report immediately!
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc (MD)

XX/XX/XXXX at XXXX I received three emails saying from Chime. Saying that I opened an account. I called Chime on XX/XX/21 to report fraud. The representative wanted to know my Social security number. I refused to give any personal information because I didnt feel comfortable. I asked to speak to a Supervisor, the representative said Chime does not have any management and that the only way to have the fraudulent account looked into and stopped is if I have them my social security number and to also email them with this information. I told them no. They hung up on me. On XX/XX/XXXX I received email saying that the XXXX XXXX is being shipped. I dont know what to do at this point. I did not apply for this account, calling Chime was not productive and they were fishing for more personal information.
Consumer complaint received 2023-01-08
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: CNG FINANCIAL CORPORATION (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Based on my communications with all the credit agencies in XXXX of 2022, regarding the inaccurate information posted to my credit report ; I explained to all 3 agencies to investigate the information posted that was not accurate. Their response was that the information posted was accurate per their investigation. I asked if they could investigate each account listed on my file.

According to the Fair Credit Reporting Act the term investigative consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such item ( s ). 

They also stated that my account was verified, but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts reported are not 100 % accurate. Additionally, according to the Fair Credit Reporting Act 15 U.S. C. 1681 everything has to be 100 % accurate. I have downloaded a copy of my credit report.

In accordance with the Fair Credit Reporting Act, the listed accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX. ) ACCOUNT : XXXX 15 U.S. C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 602 A States I have the privacy.

15 U.S.C 1681 Section 604 A It also States consumer reporting agency can not furnish an account with writer Instructions.

15 U.S.C. 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692b not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt
Consumer complaint received 2019-02-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (OH)

My original lender was XXXX XXXX XXXX ; this loan was considered a private loan that my parents took out to pay for my college education. XXXX XXXX XXXX had switched servicers to XXXX XXXX. The original promissory note I have, shows my father as applicant # 1/borrower, my mother as applicant # 2/co-borrower, and myself as student. This loan originated in XX/XX/XXXX. My father and I share the same name and I feel that has added confusion. My father always made the payments on this loan, as well as, collected tax documents and deductions on this loan, as the borrower. In XX/XX/XXXX, my father passed away from XXXX. My mother contacted XXXX and she was told about loan forgiveness. She submitted my fathers death certificate and she waited 32 days for an answer. Unfortunately, they did not approve the loan for forgiveness. Instead, XXXX has switched me, from student, to borrower and my mother stays as co-borrower. How did I go from being a student on a promissory note, to now the sole borrower? I have called XXXX, and it has been unsuccessful. I have requested documents including the denial letter stating why the loan wasnt forgiven as a result of my father 's death, the promissory note they have on file, as well as the loan terms indicating that I am now legally responsible for this loan. I have had no success in retrieving these documents. I have been told that I am not entitled to these documents from XXXX and to contact XXXX XXXX XXXX for the promissory note. I was told by a XXXX representative that the promissory note they have on file is not legible and she couldnt confirm who was supposed to be borrower/co-borrower. I have contacted XXXX XXXX XXXX, for a copy of the promissory note, by email. I was told by XXXX XXXX XXXX that they do not have the promissory note and to refer to XXXX copy. I have responded to their initial email, requesting more information and they have not responded. There is no contact information for XXXX XXXX XXXX, just an email address. I am doubtful of the information I have been given. I feel I should be entitled to a copy of the denial letter, as well as a legible copy of the promissory note. I would also like to see a copy of the loan terms indicating how I went from being a student, to now the main borrower. I want documentation, and feel it is my consumer right, to have proof that XXXX has that ability to change borrowers and to choose who is made responsible. Though Im hopeful for your timely response and subsequent resolution of my issues, Im fully aware of the 'not-so-positive ' reviews/feedback given to XXXX XXXX and, therefore, will be prepared to submit additional complaints to the XXXX XXXX XXXX , and the Ohio Attorney General.
Consumer complaint received 2020-10-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (TX)

I applied for Macy credit card and it turned out it was rejected again because they couldnt verify my identity but they were able to call me on my phone number with the fraud alert on my credit report and unable to give me any alternative so I can get approved for this credit card and I ask that lady if I could fax a copy of my ID and my social security card she she that impossible and that I need to wait for a letter to come in my mail for 7-10 days which its crazy and Ive been trying my hardest to get this credit card and I explain to the rep that I had my phone for a year and it was registered with public records and the other creditors
Consumer complaint received 2018-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TCF NATIONAL BANK (CA)

My records associated with the account XXXX XXXX XXXX & XXXX Balance : {$7600.00} Date Opened : XX/XX/2014 do not complement with what the Credit bureaus may claim as a " validated as accurate ''. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment to XXXX XXXX XXXX & XXXX Balance : {$7600.00} Date Opened : XX/XX/2014 but I did not receive what I asked and these violations persist on my credit report.
Consumer complaint received 2018-09-26
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: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX and XX/XX/XXXX ... This bank pulled my credit. I have been having a problem with this bank for over a year. I did not and do not authorize Chase to to make a inquiry on me and it seem like someone periodically run my credit every 3 -6 months and im tired of this
Consumer complaint received 2018-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

XX/XX/2018 I reported that my checking account had some unknown charges and I wanted to dispute them. I put in the request, about a month later someone from Bank of America contacted me and confirmed that I did have my debit card at the time of the transactions. A week later I got a letter that they denied the claim and they were drafting the temp credit they put in my account on XX/XX/18. This caused me to go negative and I am currently negative. It is going to cause a great hardship to pay this, when I was not liable for it.