davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-19
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. (SC)

I have asked these credit bureaus numerous times to removed fraudulent inquiries on my credit report and they will not help me. I have reported them all and the agencies will not properly removed them according to the FCRA GUIDELINES. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX These inquiries are not authorized and are not verified!! 

As well as the debt collection from XXXX XXXX ( XXXX ) in which I have documents from stating I am NOT responsible for!! I will attach documents!
Consumer complaint received 2020-07-23
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. (NY)

THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE
Consumer complaint received 2021-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (PA)

I purchased a cameo silhouette off of XXXX XXXX XXXX XX/XX/2020 never received my product asked for a refund never received my refund. I disputed it with my bank my bank found no error and told me I was not receiving my refund. There's almost a year later and I still have not received my product or my refund
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

Over the last couple weeks Credit cards have been tried to be opened using my information. One with XXXX One with XXXX XXXX and one with XXXX. 

When I get the call they have all my information correct except for my email typically. 

the Problem is my credit score is dropping due to the credit inquiries.
Consumer complaint received 2021-06-03
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Social Finance, Inc. (MD)

SoFi advertised new lower student loan refinancing rates after going public, and encouraged me to check my rate ( by offering me SoFi points to check my rate and apply ). Additionally, SoFi advertised via chat and their website that they had a rate match guarantee and would also give {$100.00} along with a rate match. My existing rate was lower than what SoFi showed me after I submitted my information. I asked via chat how to take advantage of the rate match guarantee. I was advised to email my proof of lower rate to SoFi 's customer service. I did so immediately, sending over my last student loan statement and loan approval letter from a couple months ago with my current lender. Two days later I had no response from SoFi, so I contacted customer service via chat. The representative confirmed the documentation I sent over and said all that was remaining was completing my application, which included a hard credit pull. I completed the application, and once SoFi approved it at their initial advertised rate, I returned to chat to have my current lower rate applied per the match guarantee. The new representative said that SoFi would not match existing loans, and that I needed a current rate offer from a competitor. This was different than what had been stated earlier the same day by a different representative. Based on the earlier communication, I only agreed to allow SoFi to hard pull my credit and submit my application under the understanding that SoFi would match my lower rate based on the documentation I submitted.

As of now, I have a ding on my credit and SoFi has changed their stance on what they told me re the match guarantee and promotional credit.
Consumer complaint received 2020-07-23
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. (NY)

THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE
Consumer complaint received 2022-08-10
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aargon Agency, Inc. (NM)

Today XX/XX/2022 i told them to put me on their do not call list. 

The person on the other line hung up. 

This has happened repeatedly in the past. Ive told them to put me on their XXXX list, they hang up on me without acknowleding it, and the continue to keep calling me from the " Argon Agency ''. 

When I say to put my number on the XXXX list I expect it to be done and I expect the calls to stop. This has not happened
Consumer complaint received 2020-07-23
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)

Someone in XXXX  and TransUnion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 

My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX My name is XXXX XXXX XXXX My phone number is 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: Experian Information Solutions Inc. (GA)

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. I have already gotten a police report with local police. And I have contacted the FTC. These items need to be deleted from my credit report. XXXX, XXXX, XXXX, XXXX XXXX. Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX, XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX. XXXX, XXXX   XXXX
Consumer complaint received 2017-12-11
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. (NC)

I am attaching the letter I sent out to the credit bureaus on XX/XX/XXXX. As of today, I have not received any responses, and they were supposed to respond within 30 days.
Consumer complaint received 2020-07-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc. (NY)

I pulled a copy of my credit report and notice the 3 major credit reporting agencies were reporting eastern account systems inc collections account. I ask them to do an investigation because I thought it was an error on their part. The credit reporting agencies responded stating that eastern account systems inc verified that the account is reporting accurately. I wrote a letter directly to them asking them for the following information Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). Full chain of assignments from charge off to present ( 7 ). If Purchase the debt from the original creditor then proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract To date I did not receive a response from them
Consumer complaint received 2017-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am attaching the letter I sent out to the credit bureaus on XX/XX/XXXX. As of today, I have not received any responses, and they were supposed to respond within 30 days.
Consumer complaint received 2017-12-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

23 year customer with Bank of America. 

Failed to update my address despite repeated requests. 

Froze and closed account with no notice. 

Will not promise to return funds until XXXX of XXXX. 

16 days with no money ( all my funds were in that account ) except {$3.00} in my pocket. 

And just before XXXX.
Consumer complaint received 2020-07-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

i sent experian, XXXX, XXXX  a certified letter for a dispute into a few accounts that are on my credit profile falsely, including a bankruptcy that is not mine! equifax deleted all these accounts and sent me notifications that they did so. but experian, and XXXX  credit bureaus say they confirmed and verified that the information was accurate. I then sent another letter that i disagreed and to please re investigate, They failed to respond to that letter so 46 days later i sent my third letter asking to please send me information on how they verified and who they verified with. still no response from them and this is not ok as of now its hurting my character as a borrower.
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

I was laid off due to corona and my lender found us. I currently have my mortgage thru the Colorado Housing and Finance. I did not need help at the time however requested information in case I would need it in the future. They put on my credit report that I was under forbearance and my credit score dropped XXXX points despite me never missing a payment preventing me from buying my new home.
Consumer complaint received 2018-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (NY)

after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX XXXX   remove I have disputed by mail with all three credit bureaus. act # XXXX and act # XXXX
Consumer complaint received 2021-04-08
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AFNI INC. (GA)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX States : no consumer reporting agency XXXX 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 the report by more than XXXX years. 

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WI)

On XX/XX/21 I tried to unfreeze my credit report on both the Experian and XXXX  websites. I went through many, many hoops. For Experian, I even had my unfreeze pin, but after they verified all of my information, they told me to write a letter. XXXX  insisted I receive a call back, when I received the call, a recorded message said I should try another day and hung up. I think they want you to buy another service and not use the freeze/unfreeze feature. I thought it was mandatory for these companies to make it easy for users to freeze and unfreeze your credit file. I was totally successful with XXXX. 

Without unfreezing your account, you can not complete other financial transactions like applying for a new credit card or getting a mortgage. They have you over a barrel.
Consumer complaint received 2017-12-11
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: SYNCHRONY FINANCIAL (GA)

This is not my BELK card, I have been experiencing issues with my dad 's debt being wrongfully associated with my credit. I am XXXX XXXX XXXX XXXX, my dad is XXXX XXXX XXXX XXXX ( XXXX ) I do n't know if this is his card, or if it is a card someone has fraudulently opened in my name.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.
Consumer complaint received 2020-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (NJ)

Hello, I recently had a loan payed off with Caliber Home Loans. They charged for accrued interest on my payoff thru XX/XX/XXXX. I have proof from my new lender that the payoff wire was sent to Caliber before their XX/XX/XXXX cut off time of XXXX XXXX CST. They owe me {$29.00} one days interest. I spoke to their customer service area on XX/XX/XXXX, XX/XX/XXXX and they insist they received on XX/XX/XXXX. I think there business practices are deceiving and unlawful. Attempting to collect addl unnecessary interest days is incomprehensible.
Consumer complaint received 2020-05-07
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX ( plaintiff ) and XXXX XXXX ( accused ) entered into a mutually agreed upon written contract for the renovation of the property located at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX on XX/XX/XXXX. The accused made a written promise ( contract ) to renovate the above mentioned property within eight ( 8 ) weeks for a total sum of XXXX XXXX dollars paid to him at predetermined intervals of two weeks. The accused not only failed to deliver on his contractual obligations, he resorted deceits and series of lies and false statements ( please see XXXX text messages screen shots attached on the accompanying USB flash drive ) regarding the state and the progress ( or lack thereof ) of the renovation on the property in question. By XXXX of XXXX, the accused had also received the full payment ( construction loan draws ) with very little work complete with no end in sight. Furthermore, the accused fraudulently induced payment which were NEVER applied toward the purpose it was demanded for. The series of deceits continued and the plaintiff was left with no choice but to seek legal help. A Notice of Default and Demand to Cure was sent to the accused and was given a months time to fulfill the contractual obligation. The accused failed to comply with the Notice of Default and Demand to Cure and was sent Notice of Termination of Construction Contractii with instructions to account for and return the unused portions of the construction trust fund under his fiduciary custody. The plaintiff not only failed to comply with both notices, he is now attempting to circumvent his fiduciary obligations by filing for chapter XXXX bankruptcy. 
By XX/XX/XXXX of XXXX, the renovation work at XXXX XXXX XXXX XXXX, XXXX Texas XXXX was in an unfinished state and the accused is in possession of funds despiteseveral requests and notice from the plaintiff to the accused to cure and or to return unused funds. 
Accused also failed to mention his fiduciary obligation in his bankruptcy court filing, he has attempted to deceive the court by surreptitiously and obscurely mentioning just the law firms name and an obligation of {$0.00} on Schedule E/F Part 2 4.45 as a NONPRIORITY Unsecured Claim. Accused violated several sections and articles of multiple Texas statutes and Title 11 of the United States Code which are described and referenced in detail on the accompanying USB flash drive. I have suffered massively due to this criminal act. I am also trying to have this information displayed on credit bureau 's websites and for them to share this information with inquirers but they have not complied so far. I am requesting CFPB to force them to share my story as well.
Consumer complaint received 2019-10-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc. (CA)

Lockhart Morris an unknown company collecting for XXXX XXXX XXXX in the amount of {$8600.00} since XX/XX/2019. I have asked for proof of contract to prove this is account since I do not know who either company is and why they are saying that this is my account. This has lowered by credit score and quality of life. Legally this is not fair and unjust.
Consumer complaint received 2017-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION (WV)

An ACH transfer from another account was delayed/reordered to result in an overdraft fee from a check. According to the online banking information the transfer shows as pending Tuesday XXXX, and according to the sending institution was completed by sending institution on Monday XXXX. Also, a positive available balance is shown on the account and multiple debit transactions were allowed on XXXX even though overdraft is not authorized, which also supports the accusation that transfer was intentionally delayed or reordered to generate an overdraft on the check.
Consumer complaint received 2020-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (TX)

Please refer my previous CFPB complaint XXXX regarding Costco Citi Visa card. 
Tonight I called Citi once again at arond XXXX XXXX  central time. Spoke to customer service that I had requested my XX/XX/XXXX statements online on XX/XX/XXXXand they are yet not available. Can you help me? 

She forwarded me to online support. 
At around XXXX XXXX  to XXXX XXXX I talked to XXXX about the same. I told that I have a Citi warranty issue and i need those statements. Citi Warranty has opened a case for me-as that is part of the extended warranty of my refrigerator. My refrigerator freezer is not working since last Saturday. They want those XX/XX/XXXX statements. 
XXXX was very aggressive and not wiling to listen anything. She denied the very fact that i have ever requested those statements on XX/XX/XXXX. As my previous request was not completed in 48 hours ... I need to put another request - but that doesn't mean that the previous request ( XX/XX/XXXX ) was not even there. 

She said that she has made a note of this issue and can't help me. I need to wait 72 hours to get my statement. 
When i said that this is not acceptable and when Citi told me that Customers has to wait for 72 hours if they are accessing their statements which are more than 12 months old? She was not willing to answer. She was not willing to give me any confirmation number or reference number. 

Look at the website : Statements will be ready 48-72 hours after your request, and they're available for 30 days after that. Once you request 12 statements, you won't be able to request more until some of your statements become available. 

Essentially Citi is making the rules and bending it whatever way they want? 
Who is Citi to tell me how many times i can access my credit card statements or not? Has citi told all this to customers ( not in some fine prints or some Card member agreement or some FYI )??? It looks like some tyrant is running Citi and simply doesn't care about the customer or law of the land.
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: WELLS FARGO & COMPANY (AL)

I SAW ACCOUNTS THAT WERE FRAUDULENT AND REPORTED THEM TO CREDITORS AND THEY REFUSED TO REMOVE THE ACCOUNTS.I 'D LIKE TO REPORT THE CREDITORS AS NEGLIGENT.