davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
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: EQUIFAX, INC. (WI)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Records : Chapter XXXX Bankruptcy XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name XXXX XXXX XXXX XXXX Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX  IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX XXXX Records : XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX Records : XXXX XXXX XXXX XXXXXXXX Inquiries : 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 2022-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TX)

I applied for Citi AAdvantage card as a part of buying an XXXX XXXX XXXX. it promised instantaneous response. After completing all the info, the web site came back and said there is an unknown error and it closed the session. 

I called Citi, got their rep in XXXX and instantly, he approved me ( so there were no problem with the info or questoins ). There were no issues or questions. I was promised {$120.00} credit for the booking as well as XXXX miles and free luggage checkin. The citi rep told me to all XXXX XXXX and they would give me all these benefits. After 4 hours on the phone with XXXX, they said they could not do anything until the card arrives. 
I called Citi again, after being passed from agent to agent and refusing to provide any name or ID or supervisor coming to the phone to help, I got hang up on several times. I asked for expedited delivery ( over night ). They said they could not do that. one said it is too late. The other agent repeated the flash card and said you can requesting some where on line. When I asked where? no answer. 

This is false advertisement. I am not gone be able to use any of benefit promised and have to wait XXXX business days now. If that works. This is phishing for new customers and making it impossible for the consumer to take advantage of promised benefits. In addition, I am stuck with a hit to my credit report and a card that is offering 26 % interest!. I tried to file a complaint with Citi and good luck. There is no email that I could find. the phone numbers make it impossible for one to talk to any one w/o the actual card which I do not have. The only live person I could talk to in Citi where in XXXX and could not understand what they say or they keep repeating a flash card and saying no all the time! 

These are preditory practices by Citi and deceptive practice at-least. Do you think you are saving money by out sourcing your CS to XXXX? check with other firms, these agents are not trained and do not know much. They just pass the buck from one agent to other and do not solve any problems. They are rude and hang up on you and act as if I owe them something. 

What a shame! a corp such as Citi whom received tax payer money is treating the public as such! Can you provide comp for what I was promised both in terms of luggage and points? I paid {$50.00} to XXXX to ship my luggage now. I have paid {$75.00} in Lyft charges to go to the airport to resolve this issue to no success. Over two days on my XXXX XXXX! very tiring.
Consumer complaint received 2017-11-04
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC (MD)

In XX/XX/XXXX my wife and I applied for a refinance mortgage with New Day Financial. The application was conducted over the phone, and I did not disclose any demographic information. The agent told me that my application was denied because I had one 30 day late payment on our current mortgage within the previous 12 months, and my credit score was not high enough. He told us that if we can keep our payments current for the next twelve months and re-apply in XX/XX/XXXX, we could qualify for a refinance. Fast- forward 12 months to XX/XX/XXXX. My credit score improved and all my payments were kept current. Based upon the information I was told, I had confidence that I met the qualifications to refinance with New Day. I called New Day to  re-apply for a refinance. This time we revealed that we were XXXX in the demographic disclosure part of the interview. We were told that my wife still did not improve enough to qualify, but my credit met the qualifications. However, before we could proceed further with refinancing with just me, the agent told us that he " was being called into a meeting '' and he had to call me back later or the next day to follow up. The next day I received a call from the agent informing that my application was denied due to a previous delinquency ( 120 days ) on the same mortgage that occurred four years ago. The agent told me that New Day will not approve applicants who had were delinquent on their mortgage within 5 years. I explained to the agent that this was not what I was told when I applied a year ago, and had I known I would not have wasted time applying now. The agent suggested that the previous agent was not fully informed on the requirements and apologized on his behalf. I suspect foul play based on ( 1 ) how I was rushed off the phone before I was made an offer, and being disqualified for a different reason that was not claimed the first time I applied for a refinance ; and ( 2 ) since I revealed my race on the second application and withheld it on the first application, my creditworthiness was further scrutinized.
Consumer complaint received 2022-08-02
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: Resurgent Capital Services L.P. (HI)

The Fair and Accurate Credit Transactions Act Section 1681g ( e ), which requires that if a business has provided credit to or entered into a commercial transaction with a person who has allegedly committed identity theft, then the business must provide a copy of certain records upon request to ( a ) the victim of the alleged identity theft or ( b ) any law enforcement agency or office authorized by the victim to receive the records. 

I requested over six times for XXXX XXXX to provide records for accounts ending in XXXX and XXXX under Section 1681g ( e ), and they have willfully failed to do so. Therefore, I am authorizing this Office to receive the records, and provide the records to me. I have conveyed to XXXX  XXXX that I suspect to be a victim of identity theft and that they are allowing the reporting of inaccuracies on my credit file through a third party junk debt buyer collector XXXX XXXX and LVNV Funding. XXXX XXXX misrepresented the truth by stating that they removed the debt from my credit file. However, credit reporting agencies have recently verified the debt.
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

The company XXXX tried to sell me XXXX cell phones. One of the phones did not function, and I requested a refund. I order another phone from XXXX, but I found a cheaper price at a local store. So, I cancelled the order, and the phone did not ship. A representative from Capital One suggested I file a claim. Now, Capital One is charging me for the original purchase, since XXXX has issued a refund. 

I am being charged twice for the same phone, and Capital One does not understand.
Consumer complaint received 2018-11-06
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: JPMORGAN CHASE & CO. (FL)

upon checking my credit report I observed an address and a account that is on my reports that are not mine. I have been victimized by identity theft and I would appreciate it if you would assist me in the removal of this account.
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

On XX/XX/2018, I attempted to dispute an account from XXXX XXXX   ( # XXXX ), this account was added to my personal credit file through theft as I was a victim of Identity theft in a security breach with XXXX XXXX XXXX. The disputes were all sent via certified mail, yet I have received no response from any of the Reporting Agencies as to the removal of this fraudulent account.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The issue is with Transunion still reporting XXXX by XXXX, this account has been closed and is still showing up on my credit report. All of the other bureaus have removed this from my report besides this one. 

XXXX # XXXX
Consumer complaint received 2022-08-02
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: PORTFOLIO RECOVERY ASSOCIATES INC (HI)

The Fair and Accurate Credit Transactions Act Section 1681g ( e ), which requires that if a business has provided credit to or entered into a commercial transaction with a person who has allegedly committed identity theft, then the business must provide a copy of certain records upon request to ( a ) the victim of the alleged identity theft or ( b ) any law enforcement agency or office authorized by the victim to receive the records. 

I requested over six times for XXXX XXXX to provide records for accounts ending in XXXX and XXXX under Section 1681g ( e ), and they have willfully failed to do so. Therefore, I am authorizing this Office to receive the records, and provide the records to me. I have conveyed to XXXX XXXXXXXX that I suspect to be a victim of identity theft and that they are allowing the reporting of inaccuracies on my credit file through a third party junk debt buyer collector Portfolio Recovery and XXXXXXXX XXXX. XXXX XXXX misrepresented the truth by stating that they removed the debt from my credit file. However, credit reporting agencies have recently verified the debt.
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (MO)

Had a Gap Visa XXXX credit card and they were bought out by Barclays Mastercard. I have an outstanding {$6000.00} refund I am still owed. 

Claim Numbers : XXXX # XXXX Previous Credit Card Numbers XXXX XXXX XXXX XXXX then XXXX XXXX XXXX XXXX Barclays # XXXX and # XXXX XXXX  Complaint # XXXX
Consumer complaint received 2022-08-02
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. (HI)

The Fair and Accurate Credit Transactions Act Section 1681g ( e ), which requires that if a business has provided credit to or entered into a commercial transaction with a person who has allegedly committed identity theft, then the business must provide a copy of certain records upon request to ( a ) the victim of the alleged identity theft or ( b ) any law enforcement agency or office authorized by the victim to receive the records. 

I requested over six times for XXXX XXXX to provide records for accounts ending in XXXX and XXXX under Section 1681g ( e ), and they have willfully failed to do so. Therefore, I am authorizing this Office to receive the records, and provide the records to me. I have conveyed to XXXX XXXX that I suspect to be a victim of identity theft and that they are allowing the reporting of inaccuracies on my credit file through a third party junk debt buyer collector XXXX XXXX and XXXX XXXX XXXX XXXX misrepresented the truth by stating that they removed the debt from my credit file. However, credit reporting agencies have recently verified the debt.
Consumer complaint received 2020-08-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (GA)

I applied for loss mitigation assistance with my loan servicer, Fay Servicing, due to financial hardship resulting from a house fire coupled with a decrease in household income. However, due to extensive delays with Homeowners Insurance releasing funds for repairs/fire restoration expenses, my home is unoccupied and has remained vacant for several years. The mortgage is severely delinquent, while we are forced to maintain temporary housing until our home is repaired & suitable to live in. We have exhausted all efforts and options available and are only met with resistance and indifference from our lender/servicer, which has changed many times over the years. As owners of the property our home retention efforts have been denied and/or ignored. We are in immediate need of assistance to finally resolve this ongoing issue, which has caused a significant and unnecessarily lengthy hardship to our family, including prolonged displacement, the financial burden of maintaining temporary housing, severe credit damage, and extreme emotional and mental stress. Thank you in advance for any assistance or advice you can provide.
Consumer complaint received 2020-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation (MD)

USCB reported this on my report last year. 
I disputed it on XX/XX/19 and it was removed from my credit report. 
Now they are trying to report it on my credit report again. 

The dispute number from last year is XXXX. 
I want this removed from my credit report.
Consumer complaint received 2023-01-19
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AL)

We had a mortgage back from XXXX to XXXX when we tried to do a modification and wells Fargo kept putting us off we had a FHA loan and should have been able to save our home but they foreclosed on us, I feel we where treated very unfair did all the paper work months before to try and solve this issue, I was constantly checking with them on the status and kept having them say it would be looked into never was, Months after we had to move I kept contacting them and only after they knew we had left they told me i was able to have a modification they even went so far as telling me somebody there at wells Fargo drop the ball and it was their fault., They also told me at that time if anybody ever has a FHA loan you atomically can do a modification. We lost our home due to Wells Fargo misleading information and for not being proactive on the modification, I would like for this to be looked into,
Consumer complaint received 2017-11-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BB&T CORPORATION (TX)

A formal complaint against BBT Bank XXXX Account for unauthorized hold last month they withheld a non transaction that was cancelled. For more than 22 days even when XXXX XXXX had provided a code to cancel and a receipt was provided. Next, today I use the XXXX XXXX upon check out the {$15.00} incidentally is returned to the account usually the second day. I went to XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX and the BBT granted their refund for {$100.00} on XXXX/XXXX/XXXX but did n't refund my incidentally fee {$15.00} and they told me after 30 days then a released. BBT Bank practice unfair act toward consumer they hurried up and paid the merchant but did n't take the lift off my account. Who would want wait until they feel like release withholding a misuse there banking privilege against consumer. I would nt recommend this company anymore they have XXXX a cheap call center a $ XXXX to offered poor service to there own customer. Who keep there branch open very little customer maybe they will go out of business and bankruptcy. A horrible XXXX XXXX Account center a unfair practice 30 days to release a XXXX refund is ridiculous.
Consumer complaint received 2018-11-06
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. (GA)

This is in regards to 2 accounts that I have with XXXX XXXX. One account is XXXX XXXX and the other is XXXX. In XXXX, I received several notifications from my credit monitoring service that my credit score had dropped and to verify the status of my XXXX XXXX and XXXX cards with XXXX XXXX. Not long after this I received another notification that my score had again dropped because my utilization on my XXXX XXXX   account was now over 90 % of the limit which was also inaccurate because the balance was only {$140.00} on a limit of {$250.00}. I immediately contacted XXXX in regards to both accounts. I was informed that neither account was closed they were only frozen for 90 days due to returned payments. I was also told that XXXX XXXX  lowered my credit limit on my XXXX XXXX account from {$250.00} to {$150.00} due to a decline in my credit score. But the decline is due to the inaccurate reporting of closed accounts that are not actually closed. 
I am aware of the returned payments which were due to fraudulent activity on my bank account and my bank put a freeze on my account of all activity while they investigated. I have also emailed XXXX in regards to these impacting changes. I can prove what the scores where prior to and after the mentioned changes made by XXXX.
Consumer complaint received 2023-01-19
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX Acccunt # XXXX and XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-06
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. (GA)

I recently sent letters over 45 days ago to the credit bureaus and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything that is an error to be corrected. i will greatly appreciate your help with this matter. 

Inquiries, accounts from XXXX  XXXX to XXXX XXXX  credit cards etc. I can go on and on but i will attach the dispute letters that was sent to them back in XXXX, along with my correct documents and i hope to hear from you soon.
Consumer complaint received 2022-10-25
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. (NM)

This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date opened XX/XX/2019 Balance : {$110.00}
Consumer complaint received 2022-08-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XXXX/XXXX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days i request these items be removed, if not I will file for litigation due to the stress this has caused me.