davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (SC)

I have an ON-GOING, OPEN dispute against a Merchant ( XXXX XXXX XXXX XXXX ). I was told by my credit card company, that while the dispute is in 'Open '' status, there will NOT be any interest or late fees acrued, yet, every time, I get a bill, I see, Late fees and interest charges added to my bill. I have tried repeatedly to call them and explain the situation, but they refuse to listen and remove the fees/interest charges. I have excellent credit, and do NOT wish my credit ruined. Please call me at XXXX. I'm ready to cancel this card, but I do NOT want to pay these ridiculous late fees and interest charges. 

XXXX XXXX
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

This agency violates 15 USC 1681i.

Notice of results of reinvestigation ( 6 ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( XXXX ) OR REMARKS ), ETC :
Consumer complaint received 2019-08-19
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: Specialized Loan Servicing Holdings LLC (OK)

SPECIALIZED LOAN SERVICING has refused to report my mortgage tothe credit bureaus because they say since I had a bankruptcy (that did not include the mortgage being dismissed and we kept paying on the whole time and still pay) they will not report to the credit bureaus for the lifetime of the loan and I have to pay it off before they can report it. I told them it didn't make any sense. 1. My loan had been with XXXX XXXX for over 16 years and they never stopped reporting to the credit bureau. We even restructured our loan several times and everything was reported. 2. Bankrupties should not keep them from reporting to the bureau. Especially after discharge! My bank is the one who told me it wasn't being reported. I am never late and it is auto drafted. I spoke with a supervisor and she said all she could do was send a verification that I make my payments on time. I said that is not good enough for the bank and does not help my credit score, which btw would be higher if it was being reported. I told them I need a statement from them stating the issue so I could show my atty. They transferred me to the "bankruptcy" dept. Which is actually a 3rd party vendor named XXXX XXXX XXXX and they said I have zero file there, the supervisor was wrong to send me there, and the fact they were not reporting me was completely wrong and that is not how bankruptcies work. I have no idea what to do but don't think I should have to pay my atty to get involved. Please help!
Consumer complaint received 2020-10-28
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: Santander Consumer USA Holdings Inc. (TX)

Good Day, I am XXXX XXXX XXXX and I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2023-02-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Assured Financial LLC (VA)

I received a collection letter from Assured Collections, LLC ( XXXX XXXX XXXX XXXX, XXXX, OK XXXX ) on XX/XX/XXXX, stating that they were collecting on behalf of XXXX XXXX XXXX. They were collecting an amount of {$2900.00} for a product # XXXX, date of XXXX XX/XX/XXXX. I immediately responded to the letter stating that I never received such a device, checked with my physician 's office to confirm my bills for this XXXX were paid in full, and no device of this type was ordered. I have since received another collections letter stating that I should pay immediately or a negative report will be sent to credit reporting agencies, or a legal suit could be brought against me. 
I have researched XXXX XXXX XXXX, and found numerous complaints filed with the XXXX  that is exactly the same as my situation, where they wait 2 - 2 1/2 years then start tryng to collect. I never received any type of contact from XXXX prior the above referenced letters. 
I am refusing to fall for this scam and am contacting legal representation to hopefully get this resolved. 
I have filed a complaint with XXXX, and will be reaching out to all agencies to make people aware of this scam.
Consumer complaint received 2021-09-08
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. (NC)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-09-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I sent a notarized affidavit on XX/XX/2021 to the credit reporting agency and still havent received a response. According the FRCA the investigation shouldve been completed in 30 days well that has expired.
Consumer complaint received 2021-04-02
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. (FL)

This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following hard inquiries. 
I allready tried to resolve it with the company, but they will not deleted those inquiries. 
XXXX XXXX XXXX on XXXX XXXX, 2019 runned my credit report when I just asked them what they can offer to me. I was never told that thay will make inquiries. I want you to investigate this with XXXX.
Consumer complaint received 2017-12-23
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OH)

Recently receiving all this mail from XXXX, Ive personally never heard of such company. Inside were all these bundles of papers saying I owe them money. When Ive never signed up nor know of this company. Recently signing up for XXXX XXXX nothing they want over 800 dollars by XXXX/XXXX/2018. I have not received any mail from this company over couple months. Im just looking for answers about what this company is and how they got my information, I never signed up for
Consumer complaint received 2021-05-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

My loan with this financial institution was paid in full on XX/XX/XXXX. I received an escrow refund, but they withheld an additional {$95.00}. When I contacted the financial institution, the representative had me on hold for 20 minutes to find answers, but no one was available. She received my contact information and promised that someone would return my call to address this matter and it never happened.
Consumer complaint received 2020-10-27
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: CITIBANK, N.A. (MA)

Dear Executive Office President, I currently have an active account with you and I recently noticed my credit line decrease. I'm was extremely shocked and surprised when I checked my credit report today discovered that your company ran an unauthorized report on me on Today ( Tuesday, XX/XX/2020 ). 

As I mentioned to several of your representatives today, I did not authorize such an inquiry and demand that you contact all the 3 major credit bureaus ( XXXX, XXXX, andXXXX  ) immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report. I know that the FCRA states that the only purposes for pulling it in
someones credit report are : a firm offer of credit, insurance, court order, or employment ( which I DID NOT authorize neither of them ). I ask that you provide me with any signed documents OR proof that will prove this was authorized by me and if you are not able to I demand you to remove this as it is affecting my scores.

Thank you for your prompt attention to this matter.

Sincerely, XXXX
Consumer complaint received 2022-03-02
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. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TRANSUNION Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Bankruptcy XXXX
Consumer complaint received 2021-09-08
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: ALLY FINANCIAL INC. (MI)

Ally financial- inquiry XX/XX/2021 This is a fraudulent inquiry on my credit report Ive been trying to get it off for months now I reached out to all 3 credit bureaus and the company already about this
Consumer complaint received 2023-01-09
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. (MD)

In accordance with the Fair Credit Reporting Act, XXXX acct # 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 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-04-28
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. (DC)

In accordance with the Fair Credit Reporting Act ; The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights Treasury Department XXXX account # XXXX XXXX XXXX XXXX  account # XXXX Inquiries : XXXX Via XXXX Requested XX/XX/2022 XXXX U.S.C 1681 section 602 States I have a 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates report more than 7 years.
Consumer complaint received 2021-12-04
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Paypal Holdings, Inc (PA)

XXXX XXXX XXXX, XXXX is sending me collection notices in the mail on behalf of PayPal to collect on my Pay in XXXX acccount. I believe this is fraud. I dont owe PayPal any money and while I have a PayPal account I do not have a Pay in XXXX account. They are requesting {$670.00} with Reference ID : XXXX I have read this is a scam online and want it reported. 
The company is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Reference number : XXXX
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

This agency violates 15 USC 1681i.

Notice of results of reinvestigation ( 6 ) -In general, A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

They were to notify me of this in writing 5 days prior, I WAS NOT NOTIFIED. AS THE ORIGINAL CREDITOR, ONLY I CAN VALIDATE THIS DEBT. I DO NOT VALIDATE THIS DEBT, UNDER NO CIRCUMSTANCES. Therefore, the following accounts must be DELETED from my report immediately. Furthermore, it does not matter if the account is listed as CLOSED, CHARGED OFF, COLLECTIONS, LATE PAYMENT, ( ANY NEGATIVE OR ADVERSE ITEM ( XXXX ) OR REMARKS ), ETC
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

The credit bureaus have over XXXX variations of my name collectively. I have never used any other names to secure credit except my legal name. In the history of my credit my report should only reflect XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I have not used any other names and would like to have my credit file updated. Within the XXXX months that name variation increased on my XXXX.
Consumer complaint received 2021-01-05
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. (LA)

I was so stress since Ive sent disputes last XXXX.2020 regarding to those inaccurate and unknown account that I found on my credit report but its almost 90 days today but I haven't received any response. I demand to Remove it ASAP or I will file a litigation.
Consumer complaint received 2021-05-25
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: SYNCHRONY FINANCIAL (GA)

XXXX  file # XXXX, the reporting agency has been reporting incorrect information for a specific creditor named " SYNCB/Care Credit ''. I have sent and submitted multiple letters to XXXX  even called on the phone multiple times over a course of several months to have the issue resolved. I have demanded several times that they DELETE that specific creditor due to them reporting incorrect information. I have requested in my letter for them to send me proof of " verification '' on how they verified their information and XXXX  has not sent me any proof other than they have verified the information. This creditor is reporting that they were included in an alleged bankruptcy on my credit profile dating a discharge date of 2020. This information is not correct as I have paid that specific account off several years ago. I have even called Care Credit Who also confirmed that the account was paid several years ago but is reporting that they were included in a bankruptcy just as recent a last year.
Consumer complaint received 2021-05-25
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: EQUIFAX, INC. (VA)

This complaint is against Equifax. I submitted an application to an apartment on XX/XX/2021 which uses Equifax for credit checks. They informed me they were unable to process the credit check due to insufficient credit profile. The same happened for my XXXX XXXX credit card. They used Equifax to verify my credit and stated I had an insufficient profile. XXXX XXXX has confirmed they report my line of credit to all three bureaus. Additionally, I had student loans and was an authorized user on a card that should have been reported. I'm unable to create an account and have faxed identifying documents on XX/XX/2021 as requested by customer service. I'd like to understand why reported credit is unavailable through Equifax, why the system won't allow me to create an account and how I can create and view an account/report through Equifax. So far, this has likely cost me a place to live and customer service is not sufficient for a company with this level of control over my finances, personal information and life decisions.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KY)

I am a victim of identity theft. I've provided police reports and FTC reports to support. I have debt and accounts attributed to my credit profile that I do not recognize and I never authorized. The creditors and debt collectors have been contacted and refuse to fully validate debt as authentic beyond a reasonable doubt and pressure for payments despite the debt being the result of identity theft.
Consumer complaint received 2022-04-28
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. (MO)

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : TransUnion : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2021-05-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CT)

XXXX XX/XX/XXXX Nationstar d/b/a Mr. Cooper has made it very difficult and impossible to resolve my mortgage problem. They have prolong the court hearing for NO REASON by stating DOCUMENTS INCOMPLETE. Which they original stated were turned in via Mr. Cooper website. I was kept in foreclosure and the fees tripled and the ROBO calls kept coming even though NO ONE would every pickup. I have written letters both to Mr. Cooper and other agency regarding in unfair treatment of this company. HUD and CFPB and XXXX XXXX. before COVID and even during this company has harassed me to send money without even giving me documents or legal counsel. We were in mediation and out of the blue I was getting calls from Mr. Cooper to sent in money. Your HELP will be greatly appreciated. Thank You FYI XX/XX/XXXX State Of Connecticut - Attorney General XXXX XXXX Settled past violations that affecting thousands of Mr. Cooper customers ( {$86.00} million ) This is my 3rd complaint I have filed regarding this company!!
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The credit bureaus have over XXXX variations of my name collectively. I have never used any other names to secure credit except my legal name. In the history of my credit my report should only reflect XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I have not used any other names and would like to have my credit file updated. Within the XXXX months that name variation increased on my Transunion.
Consumer complaint received 2021-01-05
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. (AZ)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.