davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-31
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: Ditech Financial LLC (MI)

I have been working with Ditech to correct the reporting of my mortgage to the credit bureaus since the beginning of this year, thats right, the beginning of the year. Here we are on XX/XX/XXXX and I still have the same issues. 

In XX/XX/XXXX, Ditech admitted via letter that the information on my credit report with respect to their mortgage was inaccurate. The FCRA Date aka Date of First Delienquency should have been corrected to XX/XX/XXXX. 

I wanted for 5 1/2 months and then pulled my credit reports. To my surprise, nothing changed and the incorrect reporting remained. 

I then followed up with the better business bureau and CFPB about the issue again. 
I recieved two letters from Ditech apologizing for the error. They blamed an interbal system error and said the corrections would be made again. 

Last week, XX/XX/XXXX, I order my credit reports at my expense and low an behold nothing has changed with the reporting of the mortgage. Excuses after excuse, letter after letter admitting fault and incorrect reporting and they have yet to correct the issue with the credit bureaus. How is this even remotely possible. 

I have attached all three responses from Ditech on what the correct reporting should be. One response from Customer Service and two responses from their legal team. ALL SUPPORT MY CASE!!! And yet nobody can send the corrections to the credit bureaus???
Consumer complaint received 2017-08-11
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. (MA)

XXXX XXXX XXXX has incorrect hard inquiries on my Equifax, XXXX, and XXXX  credit report. They are showing inquires from XX/XX/16. Inquiries that I did not authorize I do not know what XXXX XXXX XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my Equifax, XXXX, and XXXX report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize it.
Consumer complaint received 2020-10-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION ()

I am Mr XXXX XXXX XXXX from XXXX XXXX. I would like to report a suspected money laundering and fraud incident and request a recall for a number of wire transfers made from my account in XX/XX/2020, in the total amount of XXXX USD. 
At the time these transfers were made, I wished to use the services of an online merchant by the name of XXXX XXXX, who I contacted through their website XXXX which claimed to provide me with facemasks. 
In order to receive the shipment, XXXX XXXX instructed me to transfer money to a specific beneficiary, XXXX XXXX, that had an account with Fifth Third Bank in the United States. 
After I settled the payment I expected to receive the masks. When I did not receive the masks that I paid for, they kept promising me that they would refund my money but have not done so. They are not replying to me any more. 
This situation has hurt me a loss and is a very big financial loss. I feel very stressed and need XXXX  help. 
I am reaching out to XXXX, to assist me by requesting the beneficiary 's bank, Fifth Third Bank to launch a fraud investigation against the beneficiary company, XXXX XXXX and reverse ( or recall ) the transfers if the funds are still available in XXXX XXXX 's account. Finally the beneficiary 's bank rejected my requesting.
Consumer complaint received 2019-10-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Commonwealth Financial Systems, Inc. (FL)

XXXX XXXX ( XXXX ) calls and harassed myself, my XXXXyear old mom, and my husband. The debt was discharged in a bankruptcy and I no longer owe the debt. This company threatens to file charges with DA office. There is no such thing as going to jail for debts.
Consumer complaint received 2017-08-10
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. (IL)

Whenever you file a claim it seems as if nothing gets resolved because instead of helping the consumers, it seems that the companies just give whatever kind of answer they want and the case is closed in which it should not be. I have filed several complaints against credit agencies and the answer does n't resolve anything or has nothing to do with the compalint and yet my complaint is closed without addressing the issues or violations that the credit bureaus have violated. I have disputed my information on my credit report either by mail or on the phone and have requested method of verification in writing as to how this information was verified and any documentation associated pertaining to the accounts in disputes. I have also tried to dispute inquiries on my credit report and have had no success in trying to get this information deleted as these inquires were not initiated by me or said companies did not have my permission to pull my credit.. I have disputed public records and I have asked how this information was verified and validated and was told that the courts send this information over to them. This information is not correct as the courts have said they do not give out any information on anyone and the information the credit bureaus are telling is incorrect. I have tried repeatedly to get this information resolved and yet the credit reporting agencies are not doing through investigations and in relation to disputes but rather using an electronic methods to receive and validate information rather than physical documents or a real investigation to limit the damage to one 's credit reports. The representatives from the credit agencies state that they receive public records by using your name and social security number and that 's how they verify the disputes in regards to public records. Anyone can access public records and that does n't mean the information is correct or there are n't errors in the information that is contained in the records. They are not doing their job in verifying and validating information contained in my credit report but rather damage it in regards to negative information that they refuse to investigate or remove. These credit reporting agencies have no way for you to dispute inquiries that you did not authorize or recognize but yet they report this as accurate information and it remains on there for two years.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

I am resubmitting this complaint because my core issue was not resolved. I am complaining that XXXX XXXX can not include XXXX XXXX codes or XXXX codes without a signed a XXXX release. Please address the main issue. I am prepared to hire a lawyer if this is not resolved. I have attached proof. Please actually look at it.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

ID FOR COMPLAINT SENT TO TRANSUNION LLC XXXX I lodged a dispute with transunion against a financial institution. The dispute was closed within 48 hours. I called transunion to enquire. The operator named XXXX said even though a bank/financial institution provide them with wrong information, at all times Transunion would have to honor the bank because according to the operator the bank/financial institution always get precedence over a consumer at any given time. I asked for the manager and the call was not transferred to the manager. Transunion is so corrupted that they had to block my review and post on their XXXX page so that the public cant see it. That by itself is enough to prove that Transunion is corrupted. I would like to ask how much BRIBE do transunion receive under the table from these banks and financial institutions??? 

1. The financial institution said no fees are being charged during covid 19 but they did. This was a total misrepresentation from the financial institution.

2. The financial institution stole {$76.00} from my account and put the blame on the merchant with whom I do business, causing me thousands and thousands of dollars of loss. Who would compensate for the loss?

3. The account is now closed but the financial institution didnt update that with the bureaus. Instead it stated the account is open and I owe money.

4. I lodged dispute with Transunion.

5. Transunion closed the case within 48 hrs stating they have to honor the financial institution first. The dispute was closed within 48 hours. I called transunion to enquire. The operator named XXXX said even though a bank/financial institution provide them with wrong information, at all times Transunion would have to honor the bank because according to the operator the bank/financial institution always get precedence over a consumer at any given time. I asked for the manager and the call was not transferred to the manager. 

By blocking my post and review on their XXXX page Transunion has indeed proved they are corrupted. What would Transunion do if this goes to XXXX  XXXX or XXXX XXXX  XXXX, would they be able to block it from there as well. They think they are very clever, unfortunately they havent met the right people yet.
Consumer complaint received 2020-11-21
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. (FL)

I recently discovered on my credit report accounts that I did not recognize, so I contacted XXXX XXXX XXXX and requested evidence that the debt was mine. I requested this information so that I could be sure of what debt came from where before I started paying off anything. I then contacted Equifax and XXXX to let them know that I have asked XXXX XXXX XXXX to validate the debt as mine. XXXX XXXX XXXX received my validation request on XX/XX/2020, and XXXX and Equifax received my notice that a request to XXXX XXXX XXXX was sent on XX/XX/XXXX. I see that both my Equifax and XXXX reports were updated and now show that the accounts are in dispute ; I requested to XXXX XXXX that they temporarily cease the reporting of these accounts during my investigation, and I requested that Equifax and XXXX  enforce the FCRA and stopped any reporting of invalidated debts if XXXX XXXX XXXX failed to do so. None of the 3 parties involved have temporarily removed the accounts and are currently violating my rights as a consumer.
Consumer complaint received 2019-10-31
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. (MI)

I recently disputed a line item on my credit report with Transunion. 
It was for a XXXX XXXX account and the date of first delinquency and date account would be removed. 
I have documentation from XXXX XXXX in response to a XXXX XXXX XXXX  complaint that states the following. 

Date of First Delinquency is XX/XX/XXXX The Fair Credit Reporting Act allow accounts to stay on credit reports for 7 years from the Date of First Delienquency. Transunion reports this account being removed on XX/XX/XXXX, one year past the allowable date. 

Please see all attachements from XXXX supporting my cause. TransUnion is the only reporting agency yet to correct this error, since the information doesnt meet their criteria.
Consumer complaint received 2019-05-31
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Second Chance Collections, LLC (GA)

Last summer two men knocked on our door representing XXXX XXXX XXXX saying they were doing free roof inspections. We let them go on our roof and they came down and said it was a total loss. They asked me to sign a form that would allow them to contact our insurance co. After they left my husband and I had a bad feeling about this co. and decided to go with someone else. We got our roof done and never thought about it again. Fast forward six months later, I get a phone call from Second Chance Collections saying I owe {$1500.00} for 10 % of the job by XXXX XXXX, I informed them that i'm not paying a dime since they did not do our roof. From XXXX/2018 to today they have harassed me at home, they harass me at my work, they even went on my work website and got the owners personal number and called her and harassed her, they call my work and threaten the receptionists, I have asked them to stop and they refuse. I have called several different attorneys but they all say there is nothing they can do unless they actually serve me. I have never received anything in writing from them and they threaten to serve me but in seven  months nothing ever happens except for the harassing phone calls. What they are doing is illegal, but they don't seem to care, don't I have any rights here, this can not go on anymore and I just don't know what to do! Please help me!!
Consumer complaint received 2022-01-08
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. (GA)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2019-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I'm going through financial hardship and instead of declaring bankruptcy, I went to " XXXX XXXX XXXX '' for debt management help. I first spoke with them in XXXX and was told that my XXXX credit card and my two Capital One credit cards had been approved into the program. 
One XX/XX/XXXX both Capital One credit cards accepted payment from " XXXX '' - one in the amount of {$130.00} and the other for {$29.00}. 
On XXXX I was charged a " past due fee '' in the amount of {$38.00} on the card that they had just accepted payment for {$29.00}, the day before. 
On XX/XX/XXXX I was charged {$43.00} in interest - which was not what was discussed in my debt management program, it was supposed to be around 2 %, not the previous 25 %. 
I then received a letter in the mail from Capital One that stated that my account " is currently ineligible for this program ''. I called and spoke to a " XXXX '' on XX/XX/XXXX at XXXX XXXX and when she couldn't find any answers for me - she directed me to write a letter, and gave me an address in Utah. I wrote the letter with my questions and concerns. 
I then received a letter back, about 2 weeks later that stated : " we are unable to fulfill your request through written correspondence '' and then they told me to call Capital One. 
I then, very frustrated called Capital One back - again - and spoke with " XXXX '' at XXXX XXXX on XX/XX/XXXX. She read through all of my information and after an hour and 20 minutes, including a call with " XXXX '' a supervisor that stated that he didn't see any reason why this credit card could not be included in the " XXXX '' debt management program, we then included XXXX in this call. XXXX then initiated the payment plan again - and then was denied - again - about a week later. 
I then called on XX/XX/XXXX and spoke with " XXXX '' for XXXX minutes and still, nothing was resolved, but she said that Capital one was looking into it and I would hear back from them " soon ''. 
I called again today, XX/XX/XXXX and spoke with " XXXX '' at XXXX XXXX   and then a senior account manager " XXXX '' at XXXX XXXX. He said that my credit card is not eligible for a program with XXXX, but he could not state why. 

I'm trying to do the right thing, but I'm struggling to pay my bills while living paycheck to paycheck. Capital One has been no help, I feel that they just don't want to help me so they are just stringing me along. I need help from someone!!
Consumer complaint received 2019-10-31
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. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. 

BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS.

ACCOUNTS : XXXX XXXX XXXX  XXXX COLLECTION XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX : US BANKRUPTCY COURT-XXXX XXXX XX/XX/XXXX BankruptcyChapterXXXX  Discharged INQUIRIES : XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-10-31
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. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. 

BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS.

ACCOUNTS : XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX : US BANKRUPTCY COURT-XXXX XXXX XX/XX/XXXX BankruptcyChapterXXXX  Discharged INQUIRIES : XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-05
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. (WV)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2020-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NM)

I received credits in excess of {$70000.00} from cancelled vacations to my XXXX  credit card account. 
On XX/XX/20 using online chat I requested that I be refunded the credit balance by way of a check. I was told to expect the check in 7-10 business days. 
On XX/XX/20, using online chat, I requested the status. I was told it was being reviewed. 
On XX/XX/20, using online chat, I requested the status. I was told that the refund had been approved on XX/XX/20 and to allow 7-10 business days to receive the refund. 
I also called to speak to an account specialist who told me that a check was being processed. 
On XX/XX/20, using online chat, I was told that a check was sent on XX/XX/20. 
It is now XX/XX/20 and I have still not received the refund. I did receive a letter today, dated XX/XX/20, from Citi saying that a refund check has been sent and I should receive it in 10-14 business days. If the check had been sent by the time that this letter was written, why will it take 10-14 business days to arrive? 
This credit had been in my account for some days before I requested the refund. Therefore Citi had confirmed that this was my money, in my account, i.e. it was genuine. 
Why then do they have to review whether I am entitled to a refund of my money and drag out that process for two weeks. If indeed a check was raised and sent on XX/XX/XXXX, why have I not received it when I have already received a letter dated XX/XX/XXXX? 
Clearly it appears to be Citi 's policy to hold on to monies as long as they can under the pretext of review, having to raise a check and the mailing process. 
It is totally unacceptable that Citi withholds a large sum of money belonging to me without cost or penalty. 
The interest rate on my account is 13.99 % APR. If I owe Citi any money, they will charge me interest. As they have withheld my money, they should therefore pay me interest at that same rate. To date, since the day I first requested the refund, interest amounts to {$700.00}, according to my calculation, and continuing to accrue.
Consumer complaint received 2021-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (DE)

I have a Citi Case ID given to me by XXXX with Citibank online chat on XX/XX/XXXX Citi Case Id : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have tried repeatedly, most recently on XX/XX/XXXX via telephone to get an update on this case. 
The issue is, I had {$21.00} in rewards points on my citi card ending in XXXX as of XX/XX/XXXX. Citibank requires a minimum redemption amount of {$25.00} to redeem the rewards. The card ending in XXXX was on a promotional balance offer of 0.99 percent for existing balances through XX/XX/XXXX with new purchases if made immediately being charged an apr of 17.99 percent. It was my intention to make new purchases after the balance transfer offer expired in XXXX to build up the rewards balance to the {$25.00} minimum threshold for redemption as if I made them during the promotional offer they would immediately start accruing interest. I am requesting that citi kindly restore the {$21.00} in rewards points so I may do so.
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 — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

Yet again a case of the credit companys not following the rules and listing accounts on my credit profile when the account was remove and then placed back on my file without proof that it is even my account this needs to stop.