davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (NY)

On Thursday, XX/XX/XXXX, Citibank told me that they re-ran my XXXXedit score from the initial applicaiton in addition to my wife 's credit score and my wife 's credit score had decreased 15 points from a XXXX to a XXXX. As a result, we would have to pay additional points totalling. We were never told that our credit score would be re-ran nor we were never made aware of our credit scores initially, so we did not know that a XXXX was the threshold to receive the fewest points possible on our mortgage. We were just told that we had excellent credit. I escalated this with upper management who told me that nothing could be done. We're closing on Tuesday, XX/XX/XXXX, so I was not even given ample notice to potentially seek out other lenders. The total is points amounted to an additional {$2200.00} in cost. In terms of my wife 's credit, we have not done anything that could've directly impacted it outside of some charges for the new house.
Consumer complaint received 2017-09-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (TX)

On XXXX XXXX, I applied for a BMO Harris Everyday Checking Account, which offered a {$200.00} bonus for qualifying deposits ( screen shot attached ). The account was provisionally opened on XXXX XXXX, and fully opened after following their procedures, including submission of signature cards. 

As detailed below, I contacted the bank in order to confirm that my deposits qualified for the account opening bonus, they confirmed my deposits as qualifying in three separate exchanges, and then other agents within the bank determined otherwise. I would like the bonus posted to my account as soon as possible. 

On XXXX XXXX I contacted their eChat service and XXXX confirmed that a deposit qualified ( transcript of chat attached ). 

On XXXX XXXX I contacted their eChat service and XXXX confirmed the second deposit qualified ( transcript attached ). 

On XXXX XXXX I contacted their eChat service and XXXX informed me that deposits post only after 120 days, " as disclosed in the mailer, '' although I had not applied through a mailer but instead through their online application ( transcript attached ). 

On XXXX XXXX, more than 120 days after opening the account, I contacted their eChat service and XXXX again affirmed that the two deposits qualified and that I could expect the bonus to post on XXXX XXXX XXXX transcript attached ). 

On XXXX XXXX, XXXX " escalated '' the matter and told me I could expect a response within 3-5 days ( transcript attached ). 

On XXXX XXXX, XXXX stated that my qualification was under review, in spite of the previous statements of XXXX and XXXX that I had qualified. He implied that I might not qualify after all, but that the matter was under review ( transcript attached ). 

On XXXX XXXX, XXXX affirmed that XXXX had submitted the review on XXXX XXXX, and, after my request, contacted the marketing team. XXXX communicated to me that the marketing team now contradicted XXXX and XXXX, having determined that the deposits do not qualify without further documentation ( transcript attached ).
Consumer complaint received 2020-05-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

RASH CURTIS AND ASSOCIATES XXXX {$750.00} IS STILL REPORTING A COLLECTION ON MY CREDIT REPORT .... A COUPLE OF MONTHS AGO, CALLED AND REACHED A SETTLEMENT ON SEVERAL AND ALL ACCOUNTS THEY HAD IN MY NAME. SETTLEMENT LETTER CAME IN SHOWING ONLY ONE ACT NUMBER, WAS TOLD NOT TO WORRY BY RASH CURTIS THAT IT INCLUDED FULL BALANCE DUE TO THEM AND SETTLEMENT WAS FOR ALL ACCOUNTS AND IT WOULD BE PROCESSED CORRECTLY, ONLY TO FIND OUT THEY LIED AND NOW TRYING TO SAY THERE IS ANOTHER ACCOUNT I OWED ON.. THIS IS REDICULOUS, AND THIS IS FOR THE MEDICAL FEES AND SERVICES I INCURRED BACK IN 2010 HOW CAN THEY STILL REPORT THIS ON CONSUMER CREDIT .... THIS IS LIEYING AND CHEATING BY RASH CURTIS AND ASSOCIATES ... NOW I RECEIVED A NOTICE FROM XXXX   THAT THEY REPORTED 5 NEW COLLECTIONS ON MY REPROT ... FURTHER INVESTIGATION OF THESE AND CONTACTING THE ORIGINAL CREDITOR PROVED VIOLATION.. RASH CURTIS IS GUILTY OF CHANGING ACCOUNT NUMBERS, AMOUNTS AND DATE OF DEFAULT DATES WHICH ALLOWS THEM TO REPORT SAME COLLECTION SEVERAL TIMES UNDER DIFFERENT NUMBERS ... THIS IS ILLEGAL AND AUTHORITIES ARE BEING ALLERTED BY CONSUMERS TO TAKE ACTION FOR PREDATORY COLLECTORS SUCH AS RASH CURTIS AND ASSOCIATES ...
Consumer complaint received 2021-04-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Since XX/XX/XXXX I have been working on getting my credit in great standing to buy a house. In this time I have been strictly repairing my credit. With verification letters being sent out first. I have yet to receive any information or updated status on this account. Status dates have not change since XXXX on this account which means the account was not investigated but said to have been verified and continues to report on XXXX and XXXXXXXX XXXX XXXX XXXX XXXX hasnt responded to the dispute and failed to launch an investigation into this account within XXXX days which is required by the Fair Credit Reporting Act XXXX XXXXXXXX XXXX and XXXX  are reporting different information, one shows the account has been sold to XXXX XXXX and another shows its has not been sold. In XXXX of the attached photos you will see That XXXX is reporting as the collection and original creditor with no consumer dispute added, which means no investigation has been done and multiple violations of the FCRA. I am requesting that this inaccurate information be deleted from my credit file immediately. XXXX XXXX XXXXXXXX XXXX has violated federal laws and continue to report negative information on my file without launching an investigation that is required by law.
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (WA)

Experian only let me get my legally required credit report by signing up for a paid account. Then there is NO way to actually cancel that account. Their " cancel '' is to get a free account that still has your credit card on file. This is at best dishonest practice, at worst fraudulent in not allowing customers to cancel an account and have credit card information deleted.
Consumer complaint received 2021-04-01
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: Shellpoint Partners, LLC (AZ)

I sent the company a certified letter asking to update my payment history accurately. The company never responded to me nor provided proof as they stated that they responded on XX/XX/21. I included their false response confirming the dates they received and responded also confirming their acknowledgement dates. In addition, they have violated responding to me within 30 days of receiving dispute. They have lied that they did as the address they sent other correspondence to is incorrect as well. You will notice on my certified letter I enclosed my proper address and still failed to respond to me. Also, in their previous response to my complaint, no document was provided for the date they speak off on XX/XX/21.
Consumer complaint received 2021-04-01
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. (TX)

XXXX XXXX is inaccurately reporting that I agreed to a one month term with them which I did not. Despite that they have and continue to report on my credit reports that a one month term exist. I have done plenty of research and know according to the fcra, everything is to be reporting completely accurate in it's reporting.
Consumer complaint received 2017-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I tried communicating with them XXXX XXXX and they keep playing games it 's my credit report I keep disputing in and they keep removing it and putting it back on there making my credit go down and down and down they are making this a joke and I keep letting them know by communicating with them that this is not my account and it 's fraudulent they keep harassing me every single day and they do n't want to listen to anything I have to say my credit report agencies have communicated with them but they do not wish to do anything please have them remove this from my credit report they keep taking it off and putting it back on two cause my credit to go down even worse they called me and told me they will keep doing and threatening me
Consumer complaint received 2021-08-14
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: Experian Information Solutions Inc. (TX)

I have disputed two inaccurate accounts with Experian that they are reporting and they have failed to do a proper investigation! The following 2 accounts are inaccurate and one is over 7 years from the first date of delinquency which is a FCRA violation! Also under Sec 1681 ( b ) under exclusions they are in violation for reporting this information! 

1. XXXX XXXX - XXXX 2. XXXX XXXX XXXX - XXXX
Consumer complaint received 2021-08-14
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. (AL)

My credit report shows 7 late payments but the information is not consistent across all XXXX, Equifax and XXXX which is causing me to not get approved for a home loan. XXXX told me that there is nothing they can do and I am just screwed and I have disputed multiple times including with the credit agencies. Please help me get all these late payments removed as they are not correct. All my forbearances were to be back dated and were not done. I disputed it and they told me per the FCRA they have to repot accurate information and clearly they do not bc I provided proof! I have also attached the incorrect reporting proof that isnt consistent!
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX, I spoke to a representative from XXXX XXXX who was the reporting company over a collection from XXXX XXXX XXXX. I discuss this account with her and she said this account been closed since XXXX of 2020  and was reported to all agencies for removal. Nevertheless all reporting agencies have report this account as a derogatory on my credit report. I am not aware of why it is still being reported.
Consumer complaint received 2022-03-29
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. (IL)

In XXXX of 2019, I discovered I had been a victim of identity fraud. A handful of credit cards had been opened in my name. I contacted all 3 credit bureaus and most of the information was removed from my credit report. I tried to open an XXXX XXXX today and I was declined after being told my Experian report has a derogatory remark attached to it. I called Experian and they told me it has to do with a credit card opened with XXXX bank in 2019 which they have refused to close. I have no knowledge of a credit card opened with XXXX Bank. All credit cards opened by me are being paid regularly and I have never had a late payment as is reflected by my credit score in XXXX.
Consumer complaint received 2021-07-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

On Sunday XX/XX/XXXX I called to report several fraudulent charges on my account totaling over {$1500.00} and causing my account to become overdrawn. I was issued a new debit card and was told it could take 1-10 business days to refund my money. I was told the fraudelent charge had to clear before they could remove it and refund the charges. It cleared two days later and after it cleared a second, identical charge showed up under pending transactions despite that card being frozen. Wells Fargo claims suggested this would likely fall off and I shouldnt worry. Wednesday the second, identical, fraudulent charge became authorized and when I called Wells Fargo they appeared to have no idea that it was there. They added it to the existing claim. It has been nearly a week since the fraud was committed and Im accruing daily overdraft fees while scheduled payments attempt to come out of my account. Id like to know with a little more clarity when I can expect this to be resolved. Because with the holiday weekend added in, it could be over TWO full weeks that I have no access to my money. That is unacceptable. I have been a Wells Fargo customer for over a decade and Id like to be able to say that they wouldnt want their clients to be impoverished for weeks on end while they take their generous time dealing with my claim.
Consumer complaint received 2021-08-14
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. (AL)

My credit report shows 7 late payments but the information is not consistent across all XXXX XXXX and Transunion which is causing me to not get approved for a home loan. XXXX told me that there is nothing they can do and I am just screwed and I have disputed multiple times including with the credit agencies. Please help me get all these late payments removed as they are not correct. All my forbearances were to be back dated and were not done. I disputed it and they told me per the FCRA they have to repot accurate information and clearly they do not bc I provided proof! I have also attached the incorrect reporting proof that isnt consistent!
Consumer complaint received 2021-04-01
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. (TX)

XXXX XXXX is inaccurately reporting that I agreed to a one month term with them which I did not. Despite that they have and continue to report on my credit reports that a one month term exist. I have done plenty of research and know according to the fcra, everything is to be reporting completely accurate in it's reporting.
Consumer complaint received 2017-09-14
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. (TN)

Credit leaked from Equifax in XXXX, they never notified me and now I have inquiries on my account that I did not make ( have n't applied to new insurance, mortgage, credit cards, or anything else that I can think of. ) No notice, no assistance was provided, but yet the credit bureaus stand to make a huge amount of money off this by marketing their protection products, and I have to pay THEM to freeze my credit when they collected it and leaked it without my consent.
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. (IL)

Since XX/XX/XXXX I have been trying to work with following three companies to get account reported correctly to all three credit bureaus ; my pervious attempts have been without success on XX/XX/XXXX sent letters to CEO/President of company looking for resolution because these account are terrible hurting my credit file to my understanding these accounts were removed in their entirety. Upon reviewing my files XX/XX/XXXX I noticed that they are still here overtime I reach out to companies they update reported with more errors as recent as XX/XX/XXXX XXXX XXXX updated file from {$0.00} to {$86.00} then from account closed to open not more than 60 days late then changed it to closed charged off and my score took an XXXX point hit due to this misreporting. Not to mention the account was sent to a collection agency in which I did make a payment for deletion agreement with intent per discussion that all 3 negative entries will be removed ( both XXXX XXXX credit card account and the collection with XXXX, XXXX which has not happen. Same situation with XXXX card occurred. Attached you will find documents sent to support dispute of inaccuracies which they seem to agree with I do my part and information is never correct by company or credit bureaus.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Solomon and Solomon, P.C. (NY)

Payments have been made on time monthly, but the balance never decreases on the credit report. I contacted the company requesting information on when they update with credit bureaus, unfortunately the information provided is inaccurate. 

The balance they provided is inaccurate and they do not update the information monthly as they said in the email.
Consumer complaint received 2021-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NH)

I have sent paperwork from irs and from one credit bureau proving of fraudulent activity. They will not except it and take it off. LVN funding for a credit one bank. Please help I am a widow and on XXXX  and only get {$1000.00} a month
Consumer complaint received 2021-04-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (TX)

On XX/XX/2020, Enhanced Recovery Co. added a derogatory mark on my credit report. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, Enhance Recovery CO has violated my rights as a consumer and I'm requesting legal action to remove this account immediately from all credit bureaus.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (MD)

There is incorrect information on my reports with XXXX and XXXX pertaining to status dates of four accounts that were included in a Bankruptcy last year, XXXX XXXX. The accounts in question have been improperly re-aged as a result of a dispute through the above mentioned credit bureaus ... the accounts took the derogatory status XXXX XXXX when I filed for Chapter 13 bankruptcy.. My credit report lists the dates more recently which appears to credit models that I had a recent derogatory event, when in fact there hasnt been any derogatory events since filing the bankruptcy. Im in the process of rebuilding my credit and these mistakes are preventing my credit score from improving.. The accounts with the incorrect information are two separate Lending Club accounts, and XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Ive reached to all 3 companies with no success. Additionally, Ive disputed with the bureaus multiple times without success, each time the status dates are showing even more recent.. This is really affecting my life.. as Im actually eligible to get a home loan while going through my Chapter 13, but again due to the erroneous reporting, my scores are not improving.. Please help me resolve this matter.. I only want the correct information to show.. the accounts took the derogatory status more than a year ago.. The only bureau reporting correctly is Experian.
Consumer complaint received 2021-02-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CMM Finance, Inc. (AL)

I had a XXXX XXXX financed through CMM in XXXX XXXX I was 30 days past due I talked with XXXX in there collections on XX/XX/XXXX and informed her that I would be caught up by Friday the XX/XX/XXXX woke up on XX/XX/XXXX and the car was gone. XXXX new that it was going to be repossessed and did not say anything. It was only 30 days. I explained to her that I had been evicted and I was going to get caught up by Friday. This is totally fraud or just a right out money hustling company not to mention the people who got the vehicle tore up my moms driveway.
Consumer complaint received 2023-01-12
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. (MI)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$6900.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX ) XXXX Balance : {$16000.00} ; XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX ) XXXX Balance : {$11000.00} ; XXXX XXXX  ( Original Creditor : 12 XXXX XXXX XXXX XXXX ) XXXX Balance : {$15000.00} ; XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX