davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (GA)

As two of the primary methods for consumers to correct errors to their credit files so that they can conduct the business required of them in order to function in this country, XXXX and Experian are committed to exacerbating the difficulties involved for consumers in doing so as much as possible in the name of profit. XXXX has a procedure set in place wherein a request has to be submitted through AnnualCreditReport.com to obtain a credit report from the merchant in order for consumers to submit a dispute with XXXX of the information contained in their credit files. If the credit report expires after 10 minutes of inactivity, it is impossible for them to either to use it to make any further updates to their credit files or to request another credit report online. Furthermore, the " WebMail '' form XXXX offers for consumers to make requests to update their credit files will not allow for the full XXXX word Personal Statement, as mandated by Federal Law. Meanwhile, Experian similarly has a feature in place to make it all but impossible for consumers to add a Personal Statement to their credit files online, as I have noticed that the merchant 's webpage for uploading documents ( XXXX ) will only recognize the Tagged Image File ( " .TIFF '' ) and Portable Document ( " .PDF '' ) Formats, but will not permit the uploading of documents which have been converted to the latter format from editable formats such as " .txt '', " .odt '' and " .doc '', and that the only way for consumers to add a Personal Statement to their credit files with the merchant online is to type it out in the space they are required to use for describing or commenting on the files being uploaded ( however, at least one file must be uploaded successfully in order to submit a Personal Statement in this manner ). 

With the economy still undergoing a fragile recovery from the turmoil of the Great Recession, it is unconscionable that XXXX and Experian would jeopardize that recovery in this manner by exploiting the normal difficulties involved in functioning in a recovering economy by making it is as difficult as possible for consumers to update their credit files in the name of profit. It is particularly disconcerting that both merchants focus these efforts specifically on making it is difficult as possible for consumers to add the Federally mandated Personal Statement of XXXX words or less to their credit files, as this would tend to suggest that these difficulties represent collusion against consumers on behalf of businesses.
Consumer complaint received 2017-01-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GMA Investments, LLC (WA)

Received a phone call from XXXX, WA ( XXXX ), along with a voicemail from " XXXX from Summit Receivables '' stating that they " had completed their review '' and were preparing to submit their " report, '' but that we had the chance to work things out with them " on our own. '' They left a different number to call back - ( XXXX ) XXXX. I have a credit score of XXXX and no outstanding debt. This was clearly a scam. They never mentioned my name, our address, report number, claim against us, etc., and we have received nothing through the mail ( as required by law ).
Consumer complaint received 2017-03-24
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: TRANSWORLD SYSTEMS INC (MD)

Repeated unwanted robocalls to government work number where several people have access. This message indicates the call is regarding debt collection " This is an important message from Transworld Systems Incorporated, a debt collection company. This is an attempt to collect a debt, and any information obtained will be used for that purpose ... ''
Consumer complaint received 2020-04-21
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. (GA)

XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX .... reported to the Equifax that I applied for credit in which I never applied for. They have violated my rights to have a fair and accurate information on my credit report.
Consumer complaint received 2017-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

Please see attached documentation that I received from XXXX today stating that my loans were in general forberance during the specified time periods. Therefore, the loans should not have been reported as delinquent on my credit report. I feel as though all of my loans that are with account number XXXX should be corrected to reflect the attached letter. I spoken with XXXX multiple times and they declined to fixed their reporting. I do n't think it 's right that my credit report is affected negatively due to this inaccuracies. The letter from XXXX clearly states the dates of my forbearance. This has caused me to suffer significantly in regards to credit approvals, which includes, but not limited to higher than normal interest rates, required deposits, and denials. 

Furthermore, attached is an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time. 

The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct. '' I have tried to dispute this multiple times throughout the years with no.resolution. I would like for the CFPB to present my position along with the documentation provided to all ( XXXX ) major credit reporting agencies so that they can take the appropriate action in fixing my credit report. As reflected on my credit report attached all loans have since been paid and I do not owe XXXX for the accounts in question. How is it possible that my loans can reflect in deferment per the XXXX attached letter, but appear delinquent on your credit report? This is a major conflicting discrepancy that I wish to get resloved because essentially I believe that my credit report should match the statement provided from XXXX. I desperately seek some form of relief. 

Thank You FTC advisory opinion : XXXX I have also attached my credit report that will reflect the late payments on Experian, XXXX, and XXXX.
Consumer complaint received 2017-03-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I have disputed these items for years and have filed with the FTC in XX/XX/XXXX and have also filed XXXX police reports since then and the companies refuse to remove and tell me that they have founded the accounts to be mine. They sent me statements after statements but I explained to them that they are not mine. I asked for a signature and they still have not sent me proof of signature or something concrete to prove the reason why they are insisting they are mine. The rest of the debtors have released the debt from my file but XXXX, XXXX, and XXXX XXXX ( comenity bank ) still persists.
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

I have disputed several times the following items which are PAST THE STATUTE OF LIMITATIONS AND THE CREDIT REPORTING AGENCIES ARE LISTING INACCURATE DATA WHICH VIOLATES MY RIGHTS ON THE FOLLOWING XXXX/XXXX # XXXX XXXX XXXX/XXXX # XXXX original DLA is PAST THE STATUTE OF LIMITATIONS XXXX XXXX # XXXX {$46000.00} XXXX # XXXX Original DLA is PAST THE STATUTE OF LIMITATIONS XXXXXXXX # XXXX $ XXXX DUPLICATION AND PAST THE STATUTE OF LIMITATIONS XXXX XXXX # XXXX XXXX PAST DUE $ XXXX DUPLICATE AND PAST THE STATUTE OF LIMITATIONS XXXX # XXXX ORIGINAL DLA IS PAST THE STATUTE
Consumer complaint received 2017-03-23
Product: Credit card — 
Issue: Sale of account — 
Company: CITIBANK, N.A. (NY)

I entered a payment plan to settle outstanding debt with Citibank, N.A on XX/XX/XXXX. I made my last payment on this debt on XX/XX/XXXX in the amount of {$300.00}. I attempted to make a payment via telephone in XX/XX/XXXX to continue my obligation for this debt. The representative at the time, informed me that my account was settled in full and that I did n't have to make the payment. I subsequently received a notice from Citibank, N. A stating " our records reflect that the balance on the above account is {$0.00} ''. I disputed the information with each credit bureau so that they could update my records based on this new information. The credit bureaus responded and said that Citibank, N.A disagree with my dispute of the account. With this in mind, I contacted Citibank, N.A and learned that Citibank N. A sold the aforementioned account to a XXXX XXXX Inc. and they are attempting to collect the full amount of {$5900.00}. Based on the letter I received, this account continues to report inaccurately on each of my credit reports, and Citibank, N.A is still pursuing me for debt I 've completely paid off.
Consumer complaint received 2020-04-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (VA)

My loan was sold and servicing is through Faye servicing. I have repeatedly tried contacting to lodge complaints regarding payment issues, insurance issues, lack of communication, etc. During the last week, I have contacted them to make payments but their customer service line goes unanswered and there is no link to pay online as I have made payments before. I have now received letter of demand and contacted again to make payment before default date of XX/XX/2020. I was told they can not take payment unless in full. I contacted again and my payment was accepted. How can I cute default if payment is refused?? They have sent various threatening letters involving no insurance which I have, not taking payments, etc. I have left messages and complaints within the company which ALL have gone unanswered. I have requested lender information which was refused to me as well.
Consumer complaint received 2017-03-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NY)

After over 60 day duration, today I received notice from Experian Credit bureau that they do not have validation for this account in file why are they still able to report that the information reported against me by the creditor or its agent is correct. I have had issues with identity theft over the last 10 years and I demand that Experian Credit Bureau provide me as stated by law and as recognized as my right by to request that this establishment provide me with full validation that they have in my credit file that this account is owned by me. 
Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims to have verified. Fair Credit Reporting Act 609 Disclosures to consumers : ( c ) ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. 
The federal Fair Credit Reporting Act ( FCRA ) states that there is a time frame for this information to be furnished to me and since Experian has accepted that the information reported is true and correct I demand to see proof of this validation with 15 days of my dispute or I shall initiate and file a claim against Experian for causing me and my family extreme hardship and seek compensation for the funds lost pertaining to any value placed on the reliance of information validated by the bureaus in my credit file.Validation for Request was made to Experian via US mail on XX/XX/2017 for validation of the following accounts and account numbers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank reported me to XXXX on a " erroneous checking account that I have no knowledge of opening ''. I did have XXXX checking account not XXXX with them. The one they are reporting abused is causing issues with me trying to open a checking account at another bank. I tried in good will to get resolved and they refused.
Consumer complaint received 2017-03-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (MO)

Send credit bureau a letter informing them that I received a copy of my credit report. I asked that they send me copies that they have in their files as of this date that they used to verify the accuracy of the accounts below. My letter stated the following : Under the Fair Credit Reporting Act 15 U.S.C 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their files at the time of the request concerning the accounts that they are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please Delete Them Immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties are damaging my reputation and credit worthiness. Under the FCRA15 U.S.C 1681i, all Unverified Accounts Must Be Promptly Deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be properly verified or removed immediately. 
1. National account sys account number xxxx unverified account 2.XXXX account number XXXX Unverified account 3.XXXX Collection Agency Account number XXXX Unverified account *NOTE : Please remove all non account holding inquiries over 30 days old. 
I attached a copy of my social security card and drivers license and sent XXXX Certified Mail
Consumer complaint received 2017-03-24
Product: Credit card — 
Issue: Rewards — 
Company: PNC Bank N.A. (PA)

PNC bank mailed me a physical letter advertising my pre-approval for a new credit card with a promotional bonus of { {$100.00} } upon meeting certain requirements. After meeting the requirements no { {$100.00} } bonus was received. I spoke to a PNC Bank ( 800 number ), the Branch ( both in person and on the phone ), then the their escalation department and then their department that oversees escalation to further escalate the escalation. They are aware of the offer, but state that I am not eligible to receive the { {$100.00} } offer because my wife with a shared checking account had previously received a bonus year ( s ) prior. I still have the mailed printed offer explicitly outlining the terms of the disputed offer, and it contains no terms describing that I would be disqualified. It does specifically state that, " If multiple credit cards are opened with the same primary borrower, only XXXX credit card account will be eligible for the {$100.00} offer. '' I have never applied for PNC Credit Card before so I should be eligible for the {$100.00} offer. 

If not for the bonus offer I would not have opened the line of credit which harms my credit score, affecting loan rates, and costing me time managing the credit line. Till this day, both my wife and I receive numerous PNC Credit Card Offers with bonus. If their rules had stated, WHICH IT DID NOT, that only XXXX credit card bonus per household may be eligible and given, then I would not have applied for the credit card. I believe this is false advertising among other things. 

Thank you for your time.
Consumer complaint received 2020-10-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2020 I sent a letter regarding inaccurate and misleading items on my credit report. It has been greatly over 45 days I have not received a response yet. I feel like I'm being taken advantage of and my letter disputes are being ignored, and my disputes are being thrown on the back burner. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days, so they should be deleted immediately. I am very disappoint, frustrated, and stressed because of this problem. I demand that these items are deleted and updated or I will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-09-22
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (CA)

False advertising to get consumers to sign up for credit card. 
The Fidelity Visa card advertises that it gives you XXXX points for every dollar you spend and that you can claim it as gift card, statement credit, etc. However, if you want to actually use it as a statement credit, you wo n't get XXXX points for every dollar spent. I have the documentation if required.
Consumer complaint received 2017-03-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (OH)

Hello I have been contacted by allXXXXy financial for a debt on a vehicle they financed to me for {$30000.00} sold for {$18000.00} now they are saying I owe XXXX for a vehicle I only had in my possession for a little over 3mons. How can I be responsible.the vehicle was impounded for driving under suspension but how could I be under suspension when I have to have full coverage upon driving off the lot
Consumer complaint received 2017-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

Experian is still listing an account that is past the 7 year reporting period. 
XXXX/XXXX. Account number XXXX. This account has been deleted from XXXX and XXXX. Experian is the ONLY credit bureau that is still listing this account.
Consumer complaint received 2021-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (OK)

I've tried over the course of the previous 3 months, at least 4 times to enroll in the budget drafting system at Amerihome Mortgage Company. I've easily enrolled in this program 3 times with other mortgage service providers. I believe, at this point, that they are intentionally making it difficult for us to enroll in a program that will help us reduce the term of payments for our loan. They continue to ask me for the same documentation over and over, which I provide. Then after they wait a period of time, they tell me the documentation I provided is now outdated.
Consumer complaint received 2017-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

My lender is stating there are no home retention options since my previous denial XX/XX/2016. My application was re-submitted XX/XX/XXXX because of changes of circumstances. SPS never provided denial reasons or provided denial letter, in addition, the P.O.C was changed without notice, had I not called in to find out I was never properly notified. I last spoke to the previous P.O.C who verified we will be re-submitting file. After that, lender felt the need to only communicate with me instead of my attorney when they know very well that I have XXXX. SPS has never tried to contact me in the past until I retained an attorney. I am now facing a foreclosure and not being told the exact reason for my application being denied.
Consumer complaint received 2017-03-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (DC)

My father deceased on XXXX XXXX, XXXX. I was appointed Personal Representative/Executor of his estate on or about XXXX XXXX, XXXX. A review of his assets that a woman who maintain that she had been a care giver to my father was found on his PNC Checking Account. Further review and discovery revealed that the joint account had been created through repeated forgery of his signature. 

XXXX XXXX XXXX issued a refund check to his estate on XXXX XXXX, XXXX. The woman then took the check from his mailbox unit. Signed the check, once again forging his name to deposit and cash the check in another PNC Account. PNC Bank was altered to the matter, and sent proof of the forgery [ See Attached XXXX XXXX check in the amount of {$490.00} dated XXXX XXXX, XXXX ]. However, they are refusing to take any action as other evidencing documents obtained show that a PNC Bank Manager may have assisted the woman in creating the fraudulent the account. Therefore, an investigation is being requested in this matter. With a forensic handwriting analysis report obtain, available for investigation review.