davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-13
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)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  - XX/XX/XXXX ; XXXX XXXX  - XX/XX/XXXX
Consumer complaint received 2021-07-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (TX)

I ended my forbearance with Suntrust bank as XX/XX/2021 however I still can't prove that to bank which refinances my mortgage. They ask me to get a letter from SUNTRUST, showing that I am out of forbearance, but THEY don't give me that. I called THEM many times talked to many people, nobody was able to provide that letter.The bank statements shows that I make my mortgage payments properly since XXXX till today.
Consumer complaint received 2018-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (NY)

Good afternoon. I'm writing to you today, with the hopes that you will assist me with the finalization of my permanent loan modification. My trial modification plan was completed, after I made my final payment, XX/XX/XXXX. 

Caliber Home Loans has NOT completed the final modification and I've spoken to them on XX/XX/XXXX and today, XX/XX/XXXX - each time I've called, I'Ve been told a different story - that they were waiting for escrow analysis, that they were running title and lien, Etc. 

All of this is supposed to be completed during the final month of my trial modification plan and, as of now, my wife and I are extremely concerned that it will be completed.
Consumer complaint received 2018-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: On-Site Manager, Inc. (TX)

XXXX XXXX XXXX denied me rental on XX/XX/2018, based upon the background check reported by agency. I have reviewed what was reported upon request to XXXX XXXX out of XXXX Texas. It is incorrect. It states I was charged and convicted of a XXXX and XXXX counts of XXXX. This is incorrect. 
I have sentencing orders showing there are XXXX XXXX ( XXXX for XXXX XXXX and XXXX for extreme XXXX ). I was ordered XXXX XXXX for 18mths, but will be lowered and set aside after completing 9 months. 
I want this corrected asap and can submit documentation to support this.
Consumer complaint received 2018-06-07
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: Experian Information Solutions Inc. (MO)

XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX DISPUTE {$2800.00} XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX DISPUTE {$1600.00} XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX DISPUTE {$980.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX DISPUTE {$1600.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX DIPUTE {$2300.00}
Consumer complaint received 2022-09-09
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. (NJ)

I feel like I'm being taken advantage of being ignored of my disputes. It is clearly stated on XXXX that failure to examine an item within 30 days is cause to instantly remove it off my credit report. Since it has been over 60 days, these entries should be deleted immediately.
Consumer complaint received 2018-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

US BANK FROZE MY ACCOUNTS AND CREDIT CARDS. NO EXPLANATION. NOW ITS ON XXXX for 5 years without any explanation, I have not given any personal information out and have been at this bank many years. I need to know exactly what has transpired. thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. CA XXXX XXXX Email XXXX XXXX
Consumer complaint received 2018-06-07
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)

These two accounts was to be removed due to the age of the account. This account is past 7 years old. By law, u can only have a debt on a credit report for 7 years. Please remove both the following. 

XXXX XXXXXXXX XXXX Acct # XXXX to be removed XX/XX/2018 XXXX Acct # XXXX-Was to be removed XX/XX/2018 2018
Consumer complaint received 2021-03-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AVANTE (FL)

This is a resold debt from 2012. This debt is over 7 years old. It was taken off my credit report the first time due to inaccuracies as I worked for XXXX and was not charged the employee rate. The first collection was a different amount. Please remove this very old debt that is over the statue and prevent from attempting a false debt.
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MI)

In XX/XX/2019, My brother in law went missing and 3 weeks later, was found XXXX XXXX on XXXX 's eastside. A Citi Card representative called me and I spoke to them and advised them that i would make my payments but explained what was going on. Two hours later I received another call that I missed, 30 minutes later I received another call from a Citi card representative. I asked her why they were calling me so much, she responded by telling me that they wouldnt call again and hung up. I later found out after contacting the company that she placed me on the ( DNR ). I logged on to the Citi card app and scheduled a payment directly from my bank account. 2-3 weeks later I noticed that the payment was never debited from my account, so I called and to my surprise they Completely closed my account without notification or warning because of 2 returned attempts which was the result of a system malfuction in new software that was implemented by the company. However that was my OLDEST and highest line of credit and I just watched this drop my credit score over 100 points THIS IS NOT FAIR! 

I tried settling because they sent me a settlement offer and paying the debt because the interest is consistantly tarnishing my credit reputation the represntative advised me to call back on a later date which was impacted by COVID-19 but I still called several times. I have also called to pay several times and the collection department just transfers me to different departments and representatives who is never able to accept any paments. I have screenshots the calls and call times, some over 40 minutes each just tro get no where.
Consumer complaint received 2019-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

This is my 2nd complaint against Bank of America. The issue started back on XX/XX/18 I deposited a check for {$660.00} and Bank of America is saying the check was returned. However I have provided them proof that the check cleared and also had the other financial institution contact them to advise the check did clear and they need to refund my account. I have emailed, called them and so has XXXX XXXX XXXX XXXX. yet as of today my account is still showing overdrawn by {$660.00} They received the funds from this check on XX/XX/18. How can they legally do this? Especially since the other financial institution where the check came from already provided them proof that it cleared. This seems like Fraud to me. My last complaint was closed, and I don't understand why when I did contact B of A and told them I submitted this. How are they getting away with doing this?
Consumer complaint received 2022-09-09
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. (NJ)

I feel like I'm being taken advantage of being ignored of my disputes. It is clearly stated on XXXX that failure to examine an item within 30 days is cause to instantly remove it off my credit report. Since it has been over 60 days, these entries should be deleted immediately.
Consumer complaint received 2017-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

VERY SIMPLE IN REGARDS TO MY OTHER COMPLAINTS AGAINST EQUIFAX NOW XXXX AND XXXX  ALL BC OF EQUIFAX. PLEASE REMOVE ANY SECURITY FREEZES AND FRAUD ALERTS FROM MY ACCOUNT I DID NOT ASK FOR THEM TO PLACED ONT HERE THIS IS MY 18TH TIME REQUESTING THIS. I APPLIED FOR A BUSINESS ACCOUNT WITH A CERTAIN COMPANY AND IT REJECTED IT BC IT SAID XXXX HAS PLACED A FRAUD ALERT ON MY ACCOUNT. REMOVE ALL FRAUD ALERTS AND SECURITY FREEZES FROM ALL 3 BUREAUS HOW HARD IS THIS TO DO. REMOVE THE FRAUD ALERTS AND OR SECURITY FREEZES FROM MY ACCOUNTS ITS AFFECTING MY ABILITY TO APPLY FOR CREDIT. I NEVER ASKED FOR THEM TO BE PLACED ON THERE FROM THE GET GO. REMOVE FROM XXXX, EQUIFAX AND XXXX AND I 'D LIKE AN UPDATED COPY OF THE REPORT STATING IT WAS REMOVED. GEEEEEEEEEEEEEEEEEEEEEEEEESHHHHHHHHHHHHHHHHHHHHHHHHHHHHHH.
Consumer complaint received 2021-08-07
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. (NV)

On XX/XX/2021, I sent out a dispute letter to Transunion in regards to inaccurate reporting on my credit report on the XXXX XXXX credit card account. By law, according to the Fair Credit Reporting Act ( FCRA ), I should have received a response within 30 days or less which I never received. On XX/XX/2021, I sent out a demand to comply letter to remind Transunion to respond to my dispute letter and I still have not received a response to date.
Consumer complaint received 2017-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX HAS COST ME JOB WHEN I SHOWED THEM ID THEFT VICTIM VIOLATION OF MY RIGHTS LOSING MONEY AND JOB OPPORTUNITY
Consumer complaint received 2022-09-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC (PA)

I opened an etrade XXXX  savings account in XXXX and funded it {$5000.00}. A few weeks later I logged in and saw the account was restricted so I called and was told to send in a copy of my passport and social security card, which I did. My account is still restricted and I don't have access to my funds. I'm now on my fourth call to Etrade concerning this issue, so far I've waited 31 minutes and haven't reached an agent. I have no desire to maintain a banking relationship with a firm that treats their consumers in such a way.
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc. (WI)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (WI)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2020-07-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MS)

I sent some money to XXXX XXXX back in XXXX in three transactions for some products I never got, after trying to work with this seller to get these products the seller blocks me. I then dispute the charges with Paypal who says the charges are legit and that nothing needs to be done. Paypal has also on many occasions allowed people to hack my account and do harm to me, and to my friends.
Consumer complaint received 2019-03-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (FL)

I COULD NOT PAY MY PAYMENTS DO TO SOME MEDICAL ISSUES I HAD. BUT I AM NOW UP TO DATE ON MY PAYMENTS BUT THEY ARE SAYING I OWE RETURN CHECK FEES I NEVER MADE ANY PAYMENTS DURING THIS TIME SO I DO NOT KNOW HOW I CAN OWE RETURN CHECK FEES NEVER MADE PAYMENT UNTIL LAST MONTH THEN MADE XXXX PAYMENTS TO GET UP TO DATE AND THEY ALL WENT THROUGH. SHOULD NOT HAVE ANY RETURN CHECK FEES
Consumer complaint received 2021-07-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: DISCOVER BANK (AZ)

Discover Bank restricted my XXXX account upon a fraud claim by a person I sold a good on XXXX That was a false claim and that person told me that he cancelled the dispute. No matter how many times I've called them, they couldn't help me with activating back my account to made me call to them and XXXX back and forth. Now I can't use and enroll XXXX through them.
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (WI)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-07-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (FL)

I disputed the debt through XXXX  and the debt was removed. 2 months later the item was re-inserted. I disputed the debt again but the said the debt and asked for information to verify the debt. No communication was sent to me telling me what the debt was for. 

ASSETCARE LLC Account XXXX ASSETCARE LLC Account XXXX  ASSETCARE LLC Account XXXX  ASSETCARE LLC Account XXXX
Consumer complaint received 2017-09-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TENET HEALTHCARE CORPORATION (TX)

XXXX/XXXX/XXXX I sent certified letters to Central Financial Control ( California and Texas office ) to validate the alleged debt showing on my credit report. Per tracking information of the date Central Financial control received my letters- they did not respond to me within the time frame required by law, as I did not receive correspondence from them until XXXX XXXX, XXXX. I also advised I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. This company stated they did not need my authorization and they did not violate any laws.
Consumer complaint received 2021-07-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681ae never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Consumer complaint received 2021-07-10
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. (NC)

I sent in a FTC Identity theft affidavit with my ID because the account listed below had fraudulent unauthorized charges section 605 Of the FCRA states that if a account is from identity theft it must be removed yet this account is still on my credit report this account needs to be removed immediately. 

XXXX XXXXXXXX
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CLGF Holdco 1, LLC (NM)

I have fraudulent charges reflecting on my credit report from XXXX - Genesis Retail, XXXX XXXX XXXX  which I did not charge. I disputed the charge, gave my statement of not making these charges or having credit with their financial institution. 

They replied back in letter form stating I am responsible for the charges and provided me the fraudulent signature that they stated is my signature and charges. 

At this point and time I need to take this to a higher level to dispute these fraudulent charges.
Consumer complaint received 2022-08-11
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. (GA)

The account reporting by XXXX XXXX  is fraudulent. I do not owe the original creditor. There is not even a date of first delenquincy. not only that i have proof from original creditor that my balance was XXXX at the time of account closure. i want this inaccurate information removed imediately for violation of my consumer rights under the fcra Delete for violation of 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2021-07-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am writing to express my profound dissatisfaction and frustration with the repeated unsuccessful attempts to remove fraudulent items from my account. Despite my persistent efforts and numerous communications, these fraudulent entries persist, causing significant harm and distress. 

I have diligently followed the procedures outlined by your institution to dispute and request the removal of these fraudulent items. I have provided all necessary documentation, explanations, and evidence to support my case. However, despite my best efforts, the fraudulent entries remain unresolved. 

It is deeply concerning and distressing to see that despite my repeated attempts and persistence, the fraudulent items continue to negatively impact my financial standing and reputation. These unresolved fraudulent entries not only affect my ability to access credit and financial services but also undermine my trust in the integrity of your institution and the financial system as a whole. 

I have made numerous calls, sent multiple letters, and engaged in extensive correspondence with your institution in an effort to escalate the resolution of this matter. However, the lack of progress and the continued presence of fraudulent items on my account have left me feeling helpless and frustrated. 

As a valued customer, I have the right to expect prompt and effective resolution to any discrepancies or fraudulent activities associated with my account. The repeated failures to address this issue not only violate my rights as a consumer but also reflect poorly on your institution 's commitment to customer service and financial integrity. 

I urge you to take immediate and decisive action to rectify this situation. I request that all fraudulent items be promptly and permanently removed from my account, and that measures be implemented to prevent any recurrence of such errors in the future. 

Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards resolving this matter. 

Please consider this letter as a formal complaint regarding the handling of the fraudulent items on my account. I trust that you will prioritize this issue and take the necessary steps to restore my confidence in your institution and the security of my financial information. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, RI XXXX XXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, ND XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX