davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On the XX/XX/2018 i disputed the tax lien for not meeting the new enhanced reporting requirements but it still remains on my credit report.The federal tax lien on my Transunion credit report from the XXXX XXXX Recorder 's Office do not meet the new requirements under the National Consumer Assistance Plan that states that public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain the minimum identifying information of : ( 1 ) Name, ( 2 ) Address, and ( 3 ) Full Social Security Number and/or date of birth. I have reviewed the tax lien and it does not have my full SSN # or DOB on it clearly identifying that it belongs to me. Transunion is not following the rules of the National Consumer Assistance Plan. XXXX and XXXX compiled and deleted the inaccurate information.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

On 2 occasions, I tried to unfreeze my credit on my.equifax.com and the unfreeze failed and the website required me to call in. The first time in XX/XX/XXXX, I called in and encountered a massive queue, apparently not enough operators and no automatic option. The second time, XX/XX/21 I had success with an automatic system, but it took an unacceptable 45 minutes. After, I connected to the website call queue and quickly got a nice guy who informed me their website were having maintenance issues on both occasions. Additionally, the website had incorrect state info about my account and requests-data corruption? 
Unfreezes need to be seamless and Realtime so Credit checks can be seamless and Realtime. In both cases I am purchasing vehicles in a hot market,  and I can't wait a day while one credit check company with a history of breaches holds my precious pii and has maintenance issues with their systems. I don't have issues with XXXX XXXX or XXXX, but I can't choose not to use equifax, or tell auto loan brokers to not use equifax.
Consumer complaint received 2022-01-08
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc. (CA)

This account is fraudulent and according to FCRA laws this account meets the requirement to be removed from all 3 credit bureaus immediately. Along with age of the account for removal. Ive reached out to the company and was informed it has closed permanently
Consumer complaint received 2020-07-24
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. (MD)

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report and I have requested this fraudulent account be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX This account is keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX - balance is showing as {$140.00}, dates open XX/XX/XXXX closed XX/XX/XXXX.
Consumer complaint received 2018-07-30
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. (TX)

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. Being that they have gone past 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to ... promptly delete all information which can not be verified that i have disputed. Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2018-03-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: National Auto Lenders, Inc. (FL)

i have a current loan and was wrongfully repossessed, i was advised that i had a deferment payment how ever no paper work received, to confirm, i was advised via phone deferment was approved .after submitting over XXXX in fees to recover my vehicle, Further more a tracking device was installed in my vehicle with out my consent ... .... I have ha numerous calls to my mother home after requesting 3 times to contact me only and provided a secondary number that i agreed for them to contact. This company has had numerous complaints I am not the only one I just want fair treatment per Florida state law.
Consumer complaint received 2018-03-09
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. (AL)

Equifax has refused by phone to investigate the unauthorized hard inquiries. The two from XX/XX/XXXX were removed but has re-appeared. 

XXXX XXXX XXXX XXXX XXXX / Inquiry Date : XX/XX/XXXX. ( Auto Finance ) XXXX XXXX XXXX / Inquiry Date : XX/XX/XXXX. ( Auto Dealer ) XXXX XXXX XXXX XXXX /Inquiry Date : XX/XX/XXXX ( Bank Credit Cards ) XXXX XXXX Inquiry Date : XX/XX/XXXX. ( Bank Credit Cards ) I have not made Credit Applications or authorized inquiries to any of these companies. I ask for Equifax to do the honorable thing and remove these from my credit report. Thank you. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (OK)

XX/XX/2018 I opened an account with BBVA Compass. In a weeks time, they allowed my account to be compromised, they froze it, i did not even HAVE my debit card yet when they did. They have still not let me get my money out. Even had to open a SECOND account and they still won't let me. I had to miss my father 's funeral due to them not giving me access to MY MONEY. I filed a fraud claim, I have continued to not be able to pay bills or pay for meds I have repeatedly been railroaded by every department in this bank. I have been discriminated the to my XXXX, refused STILL to allow me to get my money. im Broke, mad, and I want HELP. They also made a mortage I NEVER  applied for
Consumer complaint received 2017-08-03
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. (NC)

I feel like i have exhausted all efforts with XXXX and TransUnion Credit Bureau in trying to have fraudulent accounts and information removed from my credit. It is exactly 6 months today and i have not seen any type of relief what s ever even though i have supplied them with a police report and my social security card and Dl. I originally had 3 unknown social security numbers on my credit and a host of unknown addresses .... that information has since been removed but not the credit and collection accounts 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 2023-03-22
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: Resurgent Capital Services L.P. (LA)

This creditor is violating my rights under the Fair Credit Reporting Act - 15 U.S.C.1681 section 602 - states I have the right to privacy. Under 15 U.S.C. 1681 section 604a section .2 also states a consumer an not furnish an account without my written instructions and consent. 
LVNV FUNDING LLC is reporting I owe a debt of {$11000.00} to them and this is false. I do not have an account with them nor have they provided me with a copy of the contract I have with their company with my signature.
Consumer complaint received 2018-11-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I made a payment within 30 days it was on XX/XX/2018. I paid by check on XX/XX/2018. My payments are due on the XXXX of each month. XXXX  and Equifax are showing that I'm late for XX/XX/2018 payment. 

I've disputed the first time this happened in XX/XX/XXXX with XXXX. Instead the company just updated the information, not actually investigated. Then on XX/XX/2018 it happened again. 

I gave copies of receipts showing payment history. For both XX/XX/XXXX and XX/XX/2018. 

Per Fair Credit Reporting Act you can't place any item as derogatory on your credit report if it's not 30 days late. 

I requested a thorough investigation. The fair credit reporting act states that if there are any inaccuracies or invalid on your credit report it should be removed. As a result this inaccuracy is hurting my credit score drastically.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

The following company made an unlawful request on my credit report, and I am writing to let you know about it. Below is the company name along with the date that I received the inquiry. 
XXXX XX/XX/2022
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Home Point Financial Corporation (TX)

Homepoint Financial is reporting my mortgage late XXXX  days as of XXXX XXXX. Mortgage was paid in full, closed on XX/XX/2020. This is preventing me from obtaining a new mortgage and risking excessive interest rate hikes.
Consumer complaint received 2018-07-30
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (UT)

I receive Social Security monthly. Since I do not have a bank, Social Security recommended the XXXX XXXX card to have the money deposited on. On XX/XX/2018 an ATM withdrawal of {$300.00} plus atm fee of XXXX was deducted from my card at a XXXX in Washington State. I live in Utah. When I contacted XXXX XXXX they said they would review it an add the {$300.00} back on if fraudulent. They sent me a letter determining it was fraudulent, however, instead of adding {$300.00} they deducted an additional {$300.00}! I have called them no less than six times! Each time I was transferred to a supervisor and told to " wait '' as they had no way of taking care of this problem. It would just be taken care of within the system as they had already alerted their other department. I was told this on the XX/XX/XXXX!!! It is now the XX/XX/XXXX. I have no money for food or rent! I then went into the Social Security Office. They told me the money they sent to XXXX XXXX was sent back to them. They also said they would try to resend it. XXXX XXXX said they never returned the money. Social Security said NOT THEIR PROBLEM and to only talk to XXXX XXXX. XXXX XXXX knows nothing about returning the Soc Sec money back to Soc Sec and can not do anything about The now missing {$600.00} ( the initial theft and then the addition XXXX XXXX   deduction ). This whole scenario is convoluted and neither companies are willing to speak with each other or help me, so I am appealing to you. Again.. I have no funds available for food or rent!
Consumer complaint received 2021-09-08
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. (VA)

The following account was charged off as of XX/XX/2019. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account : XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$1200.00} The following accounts are claiming to both own the same debt, with a balance. As you know this is not possible and also a violation of my rights. Because of this, BOTH accounts needs to be removed from my credit report immediately due to you not properly validating the information in which a company has passed to you. I only had one account with this company. Please delete immediately. 

XXXXXXXX
Consumer complaint received 2018-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (FL)

Since XX/XX/2018, I have been getting late fees added to my AMEX corporate account. This is a card that my company pays in full every month. Unfortunately, AMEX can not substantiate why or where the fees originated. According to them, I owe over {$420.00} in fees, but they can not tell why. 
Every month they add {$39.00} to my billing statement now adding up to {$270.00} from a {$78.00} so called debit charge that they nor I can explain. 
I called again last night XX/XX/18 at XXXX and neither XXXX or her manager XXXX were able to provide me any guidance on what's going on. Including, XXXX had me on hold for more than 30 minutes saying that they could not retrieve my statements due to a slow internet connection. Moreover, I then requested a call back to review my statements and never received one. 
They know I have excellent credit, therefore, they do not waive those fees because they I dont want to ruin my credit. They are taking advantage of my situation even though they can not explain why or when these charges were initiated.
Consumer complaint received 2018-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX XXXX XXXX XXXX XXXX  , and XXXX XXXX XXXX
Consumer complaint received 2018-07-30
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. (IL)

XXXX - XXXX did a XXXX  credit check on XX/XX/XXXX Sears/cbna did a XXXX and XXXX credit check on XX/XX/XXXX Sears/cbna did a XXXX and XXXX  credit check on XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX did a XXXX  credit check on XX/XX/XXXX XXXX XXXX did a XXXX  credit check on XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-07-30
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (SC)

My mother died several years ago. When she died her assets were left to XXXX children, but my brother and I were co-executors. Since both sisters and my brother live out of state they came in for probate and signed quit claim deeds on the double wide home that my mother had on a piece of my property. This is what we were told by probate had to be done. Copies of her death certificate, will, probate paperwork and the quit claims were sent to the mortgage company, Vanderbilt, in an attempt to get the paperwork on the home into our my name. My husband and I have been paying the mortgage for the past 2 + years. This year my sisters and brother contacted me and said they wanted their names off as beneficiaries of the home. I spoke with an attorney and was advised to contact the mortgage company and get the payoff figure. We obtained a loan for {$13000.00} to payoff the motgage. This was the approximate amount as per the most recent mortgage billing. I contacted Vanderbilt several times about getting the exact payoff amount and they kept telling me that they would have to send it through the mail since we reside in South Carolina I told them that was fine and have yet to receive anything but letter from them telling me that they have received my request and have forwarded it to the appropriate department. I have called several times as well as requested the info in letter and email form. The last email was sent on XX/XX/XXXX and I have since received TWO letters stating that they forwarded it to the appropriate department. Meanwhile I have paid off {$13000.00} and am waiting for the couple hundred dollar balance for payoff so we can be done with this mortgage company. Lord knows how long it will take to receive the title after the payoff. My entire family is now angry as they are worried that since their names are still on as beneficiaries they will be liable if anything were to happen to the home. We can not change over the title, have them sign bills of sale, etc. until I have the final payoff and make the one last payoff to the mortgage company and I can not get any information from them. I have the loan number, and have even tried to get the payoff on the telephone as they have that option but the mortgage company has put a stop on that loan number so I can't even do that. Meanwhile they are milking us for any small amount of interest on the final few hundred dollars in payment. I work in the real estate field and it only takes a few seconds to click on a computer and get a payoff figure. Please tell me what I need to do to get this mortgage company to give me the appropriate final balance so I can pay it and be done with them. Also, can you tell me how long they have once it is paid to send me the title? I have owned my own home for many years and NEVER have I dealt with such an uncooperative mortgage company.
Consumer complaint received 2018-07-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BB&T CORPORATION (FL)

We ask to the government and federal Reserved & FDIC regulators and all possible regulators to review BB & T business practices as it looks like they are closing business accounts and hold funds for indefinite period of time!! They keep using clients funds and delay the payment of the funds for indefinite period of time. As the law allows them, this bank provides NO evidence or reason to close our relation which we understand they have the right to do so. No bank is obligate to provide a reason for the closing accounts, but most of the honorable banks in this country will provide a 14 days notice and return the funds to clients, now it looks like this is not on BB & T business practices. Also, we are unaware if this bank due to our country of origin XXXX or religion XXXX has decided to stop doing business with us. 

CFPB should advise make it public ALL clients and business clients to be aware of BB & T Business practices!!. Since XX/XX/2018 this bank without any notification closed all our accounts and provide NO evidence or response at ALL of what is the situation, they have ransom more than 6 figures and we personally wrote an email to Mr. XXXX XXXX CEO of the bank and up to today, XX/XX/XXXX and it seems like Mr. XXXX is too business so the bank has some financial difficulties that is pushing them to have this type of business practice! 

Our business has obligation, payments, suppliers and it seems that they do not have any principles of conduction business!! This is INCREDIBLE that a bank closes an account without any notice and now uses clients funds and does not even provide a simple letter to consumers! It is concerning that a bank takes this type of business practices without any penalties! It is a dictatorship system that we are obligated to do what financial institutions decide and want without any WAY to get assistance.
Consumer complaint received 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

ALL CRA REPORTING PUBLIC RECORDS ON CREDIT REPORT ... I NEVER HAD ANY BANKRUPTCY AND ALL AGENCIES REPORTING INCORRECT " PACER '' DATA ON FILE/ NOT MY ACCOUNT ..CASE # XXXX..VIOLATES FCRA PROVISION 604,605,607,611 AND 623 ( A ) ... REMOVE FROM CREDIT REPORT ASAP [
Consumer complaint received 2019-08-22
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. (FL)

I send letters out to Equifax after my fraud alert. After I seen inquiries in my report that was authorized by me. This was on XX/XX/2019. I didnt hear from them after 30 days. I check online to see the status it said completed but the pdf version was not there to view. I called the to see whats going on and they said online was having problem. If that was true why I havent been send a letter in the mail then. I send my letter with a copy of my drivers license and social security number. The person on the phone said they need more proof of identity. They are not trying to do their job. I specifically send the my letter with copy of my identity, how you open the letter and say you didnt receive the copies of my identity when they were together. This is out rages that I got to keep contact then them for her to follow up on investigation that was done past 30 days ago.
Consumer complaint received 2020-12-01
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.