davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-24
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)

At the end of XX/XX/2020, I signed up for auto-pay with CITI-card at the same time as I did successfully the same day for another credit card and for a couple of additional recurring expenses. 

The following sequence of events then occurred : 1. XX/XX/2020 - I received an email from CITI stating my balance and nothing more. I thought great, it will come out through auto-pay 2. XX/XX/2020 I received a CITI email indicating that as of XX/XX/2020 my bill was past due. I have no idea why they didn't inform me on that day. I was charged a late fee and interest. 

3. XX/XX/2020 I did an electronic fund transfer to pay the bill in full. I called CITI to see why it had not been taken out automatically. They informed me that I had only signed up to pay electronically but not for auto-pay as I thought. I had done arranged auto-pay successfully for XXXX XXXX and 3 other companies on the same day. Apparently I wasn't capable of figuring the process on the CITI website. CITI waived the interest but not the late fee. 

XX/XX/2020 I received another CITI email indicating that my bill was past due ( even though it had been paid of the day before ). I called CITI and was informed that my bill was not paid off and that I could have found this out by checking my account by phone or going on line. I was told not to worry about it. 

XX/XX/2020 I received another CITI email indicating that my bill was past due ( I checked online and it wasn't past due ). I called CITI again and they said that I was paid up and not to worry about it. 

XX/XX/2020 I received a second email. this one indicated that " Your Account Will Remain Open ''. I didn't even know that there was a question of my account being closed. 

XX/XX/2020 I received another CITI email early in the AM indicating the bill was past due. I checked online and it wasn't. I called CitI again and was again told not to worry about it. I asked to speak with a supervisor and have heard nothing further. 

I have no way to know if these CITI emails represent planned harassment to discourage people form being late for payments or incompetent account management by CITI. Neither option puts CITI in a good light. I also have no way to know if someone has stolen my identity and has a CITI account with my name that is unpaid. 

In short, CITI has been of no help in clearing this up.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

I am writing to formally dispute several hard inquiries that have recently surfaced on my credit report, which I obtained from your agency. Upon a careful review of my credit history, I have identified specific hard inquiries that I believe to be inaccurate and request their prompt removal.
Consumer complaint received 2020-07-13
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$20000.00}
Consumer complaint received 2020-07-13
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX XXXX {$20000.00}
Consumer complaint received 2021-01-24
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. (TX)

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. 

Accounts : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX  Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor XXXX XXXX- Account : XXXX Creditor : XXXX  XXXX XXXX  - Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX  XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor XXXX XXXX XXXX Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account XXXX XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX- Account : XXXX REMOVE UNAUTHORIZED Inquiries attached to this notice.
Consumer complaint received 2015-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX XXXX did not take my payment as they claimed they would. When I called them XXXX immediately ) they told me they had a computer " glitch ''. By the time they eventually took the payment they had reported me to the credit bureaus as late. They refunded me the late charges etc, further proving that the error was theirs but in spite of my calling them they have not corrected my credit report. 
Thank you, XXXX
Consumer complaint received 2021-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

I learned from my credit report that someone in Michigan had opened a XXXX account under my name. I sent an Identity Theft Claim to XXXX in XX/XX/XXXX. I never heard back. In XX/XX/XXXX I received a Collection Letter from ERC referencing the XXXX account. 

I have never lived in Michigan. Earlier in XXXX I had been the victim of an identity theft, again in Michigan, when someone purchased a car in my name. That case has been resolved. I placed a Fraud Alert on my credit reports as a result.
Consumer complaint received 2015-10-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I was taken to small claims court for a parking lot accident that the law enforcement rules " no fault ''. The other party involved sued me for damages to his vehicle because he only had liability. My insurance counter sued him and the courts ruled in my favor. I even got my deductible back. I do n't understand why I have a negative mark on my credit report when the courts ruled in my favor and I won court lawsuit. This unnecessary negative mark is hurting my credit and I would like it resolved.
Consumer complaint received 2023-02-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC ()

Hey, I use Gemini XXXX for XXXX XXXX. They list XXXX XXXX and support XXXX XXXX. I mistakely send XXXX XXXX to my XXXX XXXX XXXX, my usdc coins are sitting in my Gemini XXXX XXXX address and they are refusing to help. Its easy to recover and really easy to send back to me because all exchanges doing that. Can you help me to recover this. 

No ne helping me from Gemini all they are saying ''we will inform you when we have update, when we support sol-usdc bla bla bla ''. Can you help me please its a lot of money. 

This are the information you need Gemini XXXX XXXX : XXXX Chain : XXXX XXXXXXXX XXXX XXXX XXXXXXXX : XXXX email : XXXX XXXX
Consumer complaint received 2020-07-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.A.Rogers, Inc. (GA)

Ra Rogers Inc Collection contacted me about a debt their saying I owe XXXX XXXX XXXX XXXX. I don't owe XXXX XXXX XXXX XXXX any money. When the transaction happened I was in Minnesota at the XXXX XXXX having XXXX and XXXX for XXXX XXXX. I did not authorize any transactions that occurred on my XXXX XXXX XXXX XXXX account and I'm not responsible. This company has reported incorrect and fraudulent information to the credit bureaus and I want them investigated. I would like for this company to stop harassing me and ruining my credit for something I did not do.I 'm going to get my attorney involved at this point. As of today i have not received all the transactions info, I requested that this company send me all the transaction on the XXXX XXXX XXXX checking account and they have fail to do so. XXXX XXXX XXXX XXXX informed me back in XXXX  this account was closed because I reported someone used my account and this Ra Rogers Inc Collection an old debt buying company obtained a account and trying to collect. They are not getting XXXX XXXX  from me because I don't owe it.
Consumer complaint received 2024-01-30
Product: Credit reporting 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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-07-13
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)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2020-07-13
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)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2017-03-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Hi My name is XXXX. I am a XXXX year old senior citizen who has been trying to get help from lender to with hope that I am able to stay in my home for the last few years I am here on earth. This issue has gotten so bad with my lender trying to take my house that my niece and her family more in with me and reach out to get me help from a third party.

At the time I hired the third party I had a sales date or XX/XX/XXXX 2017, they submitted an application on my behalf to my lender XX/XX/XXXX 2017 at which time I was sent a letter stating they had received my file, there was a second letter sent on the same day, saying my only option was to reinstate my loan or cash for keys. They told my third party that my file would not be review after it was received because of the sales date on my property of XX/XX/XXXX17. I live in New Jersey so I was able to get a 30 day postponement from the sheriff's department which give my lender the time they need to review my file. My sales date has been extended to XX/XX/XXXX 2017. My third party called XX/XX/XXXX17 to follow up on the status of my loan modification and my servicer said they were not able to review my file because of a 37 day rule set by the Consumer Financial Protection Bureau. Please remember they have had my application since XX/XX/XXXX 2017, over 37 days now. 
My servicer said they sent me a letter on XX/XX/2017 saying they reviewed me for all options and the only option available to me is cash for keys because of your 37 day rule. Please help me! Don't let them steal my home.
 Thank you 
XXXX
Consumer complaint received 2020-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been a victim of identity-theft and have filed a police report to ensure that the fraud was reported. Some fraudulent accounts and inquiries appeared on my credit report. I was instructed to file a police report and affidavit to have these fraudulent accounts and inquiries removed from my credit report. I have filed an affidavit and police report with TransUnion and XXXX  and disputed these fraudulent items four various time. For some odd reason, TransUnion and XXXX  will not comply with the FCRA ( Fair Credit Reporting Act ), which enforces credit reporting agencies to comply with reporting accurate information on consumer credit files, but they are not reporting correct information on my credit file/report. Instead, they are reporting incorrect information, which I am highly disgruntled about. If my credit file is not updated, then my next steps is to file a complaint with the state attorney general and take legal actions and file a lawsuit with the courts. Please let us prevent all of this and just provide a resolution and remove these fraudulent items from my credit report. The Fraudulent items include : - XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Amount Reported : {$130.00} - XXXX  XXXX Inquiry Date : XX/XX/XXXX -XXXX  XXXX XXXX : Inquiry Date : XX/XX/XXXX -XXXX XXXX : Inquiry Date : XX/XX/XXXX -XX/XX/XXXX : Inquiry Date : XX/XX/XXXX -XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX: Inquiry Date : XX/XX/XXXX -XX/XX/XXXXXXXX XX/XX/XXXX : Inquiry Date : XX/XX/XXXX -XX/XX/XXXX : Inquiry Date : XX/XX/XXXX -XX/XX/XXXX : Inquiry Date : XX/XX/XXXX -XX/XX/XXXX/XX/XX/XXXX: Inquiry Date : XX/XX/XXXX -XX/XX/XXXX : Inquiry Date : XX/XX/XXXX -XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX: Inquiry Date : XX/XX/XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XX/XX/XXXX: Inquiry Date : XX/XX/XXXX XXXXChapter XXXX Bankruptcy : U.S. Bankruptcy Court : Date Filed : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-05-22
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: EQUIFAX, INC. (PA)

I had the chance to go over my payment history letter sent from The Department of EducationXXXX on XX/XX/XXXX, and it doesnt show a history of late payments on record. My sole purpose in requesting my payment history on my student loans is because I have 9 late payments on my credit reports from XXXX. All late payments listed on my credit reports are dated as follows : 90 Days Late in XXXX XXXX  90 Days Late in XXXX XXXX 120 Days Late in XXXX XXXX  120 Days Late in XXXX XXXX 120 Days Late in XXXX XXXX  120 Days Late in XXXX XXXX 120 Days Late in XXXX XXXX 120 Days Late in XX/XX/XXXX Between XX/XX/XXXX, to XX/XX/XXXX, my student loans were in FORBEARANCE, so I am not understanding why I have late payments shown in XX/XX/XXXX through XX/XX/XXXX on all three of my credit reports. The screenshot attached to this complaint shows that my loans were in FORBEARANCE between XX/XX/XXXX through XX/XX/XXXX. THERE SHOULD NOT BE LATE PAYMENTS LISTED ON MY CREDIT REPORTS DURING THIS TIME PERIOD, THIS IS INACCURATE AND IT NEEDS TO BE UPDATED TO POSITIVE PAYMENTS OR DELETED IMMEDIATELY. 

My credit report also shows 90 days late in XX/XX/XXXX ; however, my loans were in FORBEARANCE from XX/XX/XXXX, through XX/XX/XXXX, as shown in the attachments to this complaint. 

If you are not familiar with the term FORBEARANCE it is an option to delay student loan payments in case you are temporarily unable to make your monthly payments. While in FORBEARANCE, your loans will continue to accrue interest. That interest capitalizes or gets added to your balance when your loans switch out of forbearance and back into your payment plan. 

Attached to this complaint is an XXXX screenshot of the late payments from The Department of EducationXXXX 
This is unacceptable. I have been suffering from this negative payment history for years and each and every time I disputed these negative payments I am told by XXXX, XXXX Equifax, and XXXX that the information is correct, therefore my rights as a litigious consumer have been violated. 

Since I had to do my own investigation and clearly proved that I DO NOT HAVE LATE PAYMENTS, I respectfully ask that ALL LATE PAYMENTS FROM THE DEPARTMENT OF EDUCATIONXXXX EITHER BE UPDATE TO POSITIVE PAYMENT HISTORY OR BE REMOVED FROM ALL 3 ( THREE ) CREDIT BUREAUS IMMEDIATELY. 

I have attached the full payment history email sent to me from THE DEPARTMENT OF EDUCATIONXXXX  within this complaint so you can see for yourself that I NEVER had a late payment.
Consumer complaint received 2020-07-13
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Elite Debt Brokers (CA)

See complaint # XXXX I'm now being told that the company that called me is ELITE DEBT BROKERS who contacted other people saying I was going to be sure, and my employer was going to get contacted. I asked for a Validation of the debt ( a lot of fraud out there ) and she got even more. Persons name was XXXX XXXX. Telephone number is XXXX and another number is XXXX
Consumer complaint received 2020-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I received an email to check my mortgage statement for information re my mortgage. I did and there was no message or other information just a statement that showed the amount due which was the same as previous months. I checked the mortgage activity and found a statement saying Escrow refund {$1100.00} I called Wells Fargo my mortgage servicer and was told the bank audited my escrow account and generated a check in that amount. I had been adding money to the escrow account to cover estimated real estate taxes which are due in XXXX as last years taxes were paid assessing the property as not completed and were substantially lower than this years taxes will be in the neighborhood of {$2000.00}. 
The bank never provided me with a report of the audit nor asked me why or what I would like them to do or why I had been increasing my escrow payment each month. They just arbitrarily refunded an amount. After waiting on hold for almost 2 hours and being transferred 4 times I looked up your web site and found they were not in compliance by not notifing me of what actions they had taken and the status of the audit I notified them I was filing a complaint. They refused to call me back and said I had to stay on hold.
Consumer complaint received 2021-03-25
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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2022-09-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

15 U.S. Code 1681eb 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 2020-01-21
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: EQUIFAX, INC. (WY)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX and that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-06-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (WA)

XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$990.00} past due as of XX/XX/XXXX. 


filed ftc 60 days ago