davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-01
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: Experian Information Solutions Inc. (NV)

I had credit monitoring through XXXX for all 3 major agencies. I was getting lots of emails about the XXXX product being transferred to Experian. None of them ever mentioned an increase in price. I noticed this morning ( XX/XX/XXXX ) that Experian had debited my credit card for {$24.00} on XX/XX/XXXX so I called XXXX. They didn't know what it was so I called Experian. They said that it was payment for credit monitoring. I explained that I had it already through XXXX, and that I had paid for this month already : {$12.00} on XXXX. They said they would cancel my account and that I would have to file a dispute with XXXX for the return of the {$24.00}. ( I assumed that they meant the account they were charging me for, with Experian, that knew nothing about. ) I filed the dispute with XXXX but afterward noticed 2 emails from Experian. The first said that my XXXX credit monitoring service couldn't be transferred to Experian because I had two accounts. It stated further that it was closing the account with XXXX. The second email said that my credit report had been unlocked. I tried all day to contact them but couldn't get through the robo answering device. I tried to go to their website to lock my credit file again but was told that they couldn't do it and that I would have to write to them. I am at my wits end with this company. I feel like they are attempting to extort me because I didn't pay an additional {$24.00} for a service that I had already paid for at {$12.00}. Since they have already unlocked my credit without my permission, I suppose that I won't be able to lock it again, unless I pay them. 

I have also lost my XXXX monitoring service in this process and I can reach no one at Experian to help me straighten this out. 

I am attaching some emails from Experian and also a copy of my credit card statement with XXXX. The first and the last entry on this screenshot are the debits to my credit card at XXXX and made by Experian. XX/XX/XXXX is the top entry and XXXX the bottom.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Verisk Analytics Inc (WI)

Several times I've tried to work with LCI you deleted the bankruptcy they're listing on my consumer report. I've sent emails and letters inquiring as to how they got their information and how they supposedly verified the accuracy of said bankruptcy.

They willfully refuse to delete the bankruptcy even though it can not be properly verified due privacy issues. Per Rule 9037 of the Federal Bankr
uptcy Procedures section 205 ( c ) ( 3 ) that addressed privacy issues, the bankruptcy can not be verified due to information being redacted, such as a person 's full SSN ( only the last 4 digits of a social security number is listed ). This means that LCI is unable to properly prove that the Bankruptcy listed belongs to me. Furthermore, per the FCRA, XXXX is not a proper verification of a bankruptcy as the information is fished from the XXXX system and not actually reported to LCI. 
Per the FCRA, if a bankruptcy can not be proven with absolute certainty that it belongs to a consumer it is to be deleted. 

To date LCI refuses to comply with the FCRA or Federal Rule XXXX, they continue to site Pacer which as I've described above is fraudulent on behalf of LCI. It should be noted that XXXX XXXX deleted the bankruptcy to be in compliance with FCRA and Federal Rule XXXX. Yet LCI refuses to comply leaving themselves up to lawsuit and fines.
Consumer complaint received 2020-09-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

i am refinancing my home mortgage loan currently having with Bank of America. My new housing loan provider wire transferred pay off amount on XX/XX/XXXX. Till date no response from Bank of America and even Bank of America collecting ACH payments. on XX/XX/XXXX reached out to Bank of America over phone and my call duration including wait time is 3hours 30 mins. Reached out to Bank of America help desk through XXXX and a member from Social media team called me on XX/XX/XXXX. On XX/XX/XXXX Bank of America took ACH payment on my Mortgage ( which got paid off on XX/XX/XXXX ). On XX/XX/XXXX there is no information on Bank of America online portal and i dont have any clue till now.
Consumer complaint received 2023-01-30
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. (UT)

I AM THE PERSON MAKING THIS COMPLAINT NOT A THIRD PARTY BUT ME XXXX XXXX. PLEASE DO NOT CLOSE THIS COMPLAINT DOWN AS THIS IS MY FIRST COMPLAINT IVE MADE TO YOU. So I went to buy a house and they pulled my credit and i noticed a bunch of accounts that do not belong to me so i sent in an ftc report and a letter to the credit reporting agencies and they havent done anything and its been months.
Consumer complaint received 2020-10-22
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 have contacted XX/XX/XXXX and TransUnion on several occassions to inform them that my personal information is incorrect. They have not corrected it and they are reporting that I have a different name. I have informed them of my legal name and provided undisputable proof. 
They have not corrected the information that they are reporting on me. Nor have they provided any proof that I use another name. I am filing this complaint in hopes that the incorrect information can and will be immediately removed from my credit report.
Consumer complaint received 2019-11-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Patrick K Willis Company Inc (IL)

I received a voicemail today from XXXX from investigator XXXX XXXX with an inquiry about a neighboring address. The name of the company was not mentioned. I figured it was some kind of scam. I called the number out of curiosity just to see what the company was then hung up, did a XXXX search, and found this site. SB Investigators is the name of the company. I have no intention of calling them or answering any of their calls.
Consumer complaint received 2019-11-01
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)

My account with XXXX XXXX XXXX XXXX was recently report falsely 30 days late for the month of XXXX even though at the time I was in the process of filling an extension which was granted and I was told they would not report a 30 day late. At that time I wanted to be better safe then sorry so I asked for a letter and the representative I spoke with told me not to worry and I have his word that they will not report a 30 day late. 

I believed that representative but found out a month later that they did in fact report to all 3 credit bureaus a 30 day late. I was able to find out this information through XXXX XXXX. 

I then called several times and I was told the only person that can help me is an individual named XXXX XXXX who is a manger of the entire credit department. When I spoke to he it was as if I was speaking to a robot as she did not listen, spoke over me, proceeded to tell me she could not help me and told me they can not give charity out. 

Needless to say I was very upset and asked to speak to her manager at which point she hung up on me. I then called back several times at which point I was told her manager 's name is XXXX XXXX XXXX who would only communicate to me through email even though I repeatedly called him with no response. He did respond saying that he could not help me and they have helped me in the past and I was luck that I received that and was very cold and rude through his emails. 

Please help me on this matter as I am very unhappy and I still have not resolved this issue and nobody is calling me to resolve.
Consumer complaint received 2019-11-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital One gave no attempt to fallow the fair retaliation process on collect the debts that I owed them. I went from making over 380k a year to losing my job in the XXXX XXXX. I had never received the certified letter that they were suppose to send out before taking court action of a judgment against me stating below. These laws as state were created to not case undue hardship on the consumer. one debit is for around 7 thousand and the other is for around 17 thousand judgments were taken out on XXXX XXXX XXXX XXXX. 
Validation Notice Requirement o The debt collector is required to send the debtor written notice within five days after the initial communication with the debtor of the consumer 's 21 right to obtain validation of the debt. 15 U.S.C. 1692 ( g ) ( a ) ; 209 C.M.R.

18.16. 
o The FDCPA requires the written notice to contain the following information : n Amount of debt ; n Name of the creditor to whom debt is owed ; n Statement that unless consumer, within 30 days of receipt of notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; n Statement that if the consumer notifies the debt collector in writing within the 30-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and n Statement that, upon consumer 's written request within the 30-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 15 U.S.C. 1692 ( g ) ( a ) ; 209 C.M.R. 18.18. 
o In addition to the failure to send a validation notice, the debtor may also counterclaim that the debtor made false, misleading or contradictory statements, overshadowing the validation notice requirements in violation of 15 U.S.C. 1692 ( e ) and 209 C.M.R. 18.16.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (OK)

XXXX Card services have two hard inquires on my credit report that were NOT made by me or with my consent. I am want these inquiries removed from my all three credit reporting agencies. They will need to submit a deletion letter to me so I can notify the credit reporting agencies.
Consumer complaint received 2019-11-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

What is the reason Auto Loan provider do not have to provide Amortization schedule? Having Amortization schedule available online and also every payment request having the break up of Interest and principal ( just like Mortgage ) helps consumer a lot to make decision on payment towards principal and get out of debt as early as possible. 

Also they do not have option on their websites to make an payment towards principal, we have to pay, which by default goes to all future payments, unless we call them to move it towards principal only or other way is via mail. So ease of use is not avalable.
Consumer complaint received 2019-11-01
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. (GA)

TO WHOM IT MAY CONCERN I ALWAYS LIVE IN XXXX GA AND I RAN MY CREDIT TO APPLY FOR A HOUSE I SEE WHERE EQUIFAX IS THE ONLY REPORTING I PURCHASE A VEHICLE WITH XXXX XXXX. I NEVER BOUGHT A CAR UNDER MY SSN I USE MY BUSINESS EIN TO PURCHASE THE CAR IM AM DRIVING I DISPUTED THE MATTER BEFORE WITH EQUIFAX I WAS TOLD BY XXXX XXXX TO TAKE THE ISSUE I HAVE AND DISPUTE WITH EQUIFAX SOMEONE USE MY NAME. MY IDENITY WAS STOLEN AND IM STUCK I NEED HELP.
Consumer complaint received 2019-11-01
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. (VA)

XX/XX/XXXX Citi card avises by email of attempts to log into account. 

Email directs cardholder to follow link to reset password. 

Followed link and after 3 screens asked to call Citi by phone. 

Called and 3 different offices could not issue the verification code.

We have the screen shots recorded and will attach the file if your web process allows us to. 

XXXX XXXX
Consumer complaint received 2017-08-10
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: Experian Information Solutions Inc. (FL)

violation of the Fair Credit Reporting act by allowing XXXX XXXX XXXX and XXXX XXXX XXXX to harass me by reporting inaccurate information on my credit report! The violations are as followed : failing to distinguish the XXXX and XXXX in similar surnames mixing the information of persons with the same last name and similar first names, and combining or mixing credit files of persons with similar names living in the same city or zip code.
Consumer complaint received 2017-12-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Bought a car from XXXX XXXX XXXX XX/XX/XXXX. Paid on the car for a year and it had serious mechanical issues so traded the car in at XXXX XXXX for loan with XXXX. XXXX has pulled hard inquires on my credit every 3-6 months since I 've traded the car. And recent found that the published my full ssn address dob and other personal docs on a public site where anyone can search and just look up my information. They pulled my credit again XX/XX/XXXX. Not sure why this company is still pulling my credit and reporting incorrectly on a traded car. I 've made calls and get the run around or say someone will call back no one calls back. So I 'm unable to find out what 's going on with this company. Never reported one payment I made and new dealership should of closed the loan. If not where is the car and why does it still show I owe over the balance of the original loan with them. Can provide web search where it has company letter head my personal information on request. Also able to provide credit reporting on request.
Consumer complaint received 2019-11-01
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)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX | DOB : XX/XX/XXXX Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX According to the Fair Credit Reporting Act, 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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I recently reviewed my credit report and found unauthorized inquiries.

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX/XXXX XXXX  XXXX XXXX Unverified Account Creditor Inquiry Date XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX   XX/XX/XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Consumer complaint received 2015-09-02
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Caliber Home Loans, Inc. (GA)

Beginning the house buying process we were pre-approved with this lender. After finding a property and having our offer accepted, our lender, we thought, started the paperwork. During the month between the offer and closing, our loan consultant changed jobs XXXX times. Being our first home, we did n't know what to expect and our agent assured us consultants change jobs a lot. Our consultant did n't ask for much documentation after gathering the essentials in the beginning. Our appraisal was done late, on our part. Our consultant assured us she would get everything rushed. The day after the proposed closing date, the consultant started to ask for more income and credit based documents. She also was no longer reachable by phone, our agent could n't even get in touch with her. After submitting income-verifying documents, she attempted a Rapid Re-score to get the credit score from a XXXX to a XXXX. In the process she actually lowered the score to a XXXX! She also then blamed the drop on something else. At the end of being completely frustrated we saw the XXXX inquires she put on our credit. We inquired with her first company, to see if they could straighten out the mess. She then informs us, by email, that they might could help us. So she basically figured she could stall the process and in the meantime our credit score would go up the XXXX points. All the while not keeping us up to date and being illusive.
Consumer complaint received 2018-09-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2018, i was charged {$230.00} for wrong hotel services. I checked into a hotel XXXX XXXX, when I checked in, i paid with credit card, please note, I did not see the inside of the room yet. When I went to the room, it was dirty, smelled and wreaked of urine. I walked in and immediately left the room and told the XXXX I refuse to stay here. They said I already paid, I had to stay and my money was non refundable. I left the hotel immediately and told them I would dispute the charge. I never stayed at the hotel, I checked in and immediately left the hotel premises. I want to dispute the charge, its a false charge and Bank of America needs to correct the problem. Condition under dispute is Condition 13.1, Condition 13.3, Condition 13.5, Condition 13.7 ... .. all conditions I would like to dispute the charge under.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Purchased a new XXXX from XXXX XXXX finance XX/XX/XXXX and 5 months later it was totaled by another driver that hit me in XX/XX/XXXX. I was making my monthly payments that XXXX was slow to report on my credit report at first. When the car was totaled, the other insurance company made a pay off in XX/XX/XXXX which did not settle the balance. I had to do a dispute to show the reduced balance since XXXX was still showing the full amount due. The dispute was done XX/XX/XXXX and completed XXXX XXXX, XXXX. In XX/XX/XXXX XXXX started calling me to make payments when I told them it was in a law suit and would be settled. I finally made 2 payments of {$400.00} on XX/XX/XXXX and XX/XX/XXXX. XXXX never reported those payments. I received my settlement in XX/XX/XXXX and XXXX accepted a reduced offer of {$2200.00} for the balance on XX/XX/XXXX. I had to call about 20 times till I finally got my pay off letter on XX/XX/XXXX. I started another dispute since the 2 payments were not showing up and finally on XX/XX/XXXX my reports were updated but had the wrong information. It showed account was open and there was a balance. It is taking me so long waiting the 30 days for a dispute so I have turned to you to see if I can get results in a more timely matter.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

XXXX Card services have two hard inquires on my credit report that were NOT made by me or with my consent. I am want these inquiries removed from my all three credit reporting agencies. They will need to submit a deletion letter to me so I can notify the credit reporting agencies.