davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Last month ( XXXX XXXX ) I reported to CFPB that Experian dropped my credit score by 20 points for using {$130.00} of my {$5600.00} available credit. By XX/XX/XXXX Experian gave me back the 20 points they took away. I paid off the {$130.00} a week after I charged it in XXXX XXXX. I checked my credit report on XX/XX/XXXX and saw that Experian reported that I paid off the {$130.00} on XX/XX/XXXX, but then dropped my credit score by 19 points!!!! My score should have increased by 19/20 points for paying off the only thing I charged on my credit card for months. There were no other changes or movement on my credit report. But, my score went from a XXXX to a XXXX. This means I went from having GOOD credit to FAIR credit. Experian has been doing this to me for years! Whenever I pay on my credit cards or my loans, they decrease my credit score. They've even lowered my score by 20 points for things like asking them to correct my address and employer information. They arbitrarily lower my score for things that should increase my score or shouldn't affect my score at all. Plus, when I dispute incorrect items on my credit report, I end up having to spend months, and in some cases years, to get them to correct things. For example, it took them 12 months ( a full year ) to correct my name, address and employer. By law, they must report things accurately and not do things on purpose to bring down my credit rating. Since this has been happening to me for years now, I can see that they're trying very hard to keep me from bettering my credit rating so that I am subject to the subprime credit card and lending marker. I can't get a decent loan to by a home for or get credit cards for XXXX XXXX due to Experian 's illegal and unfair reporting. My credit score with the other two credit reporting agency is in the 700s because they're not penalizing me for paying-off my credit card ... and it should be in the XXXX at Experian by now. 

Per the Fair Credit Reporting Act, my credit rating can't be arbitrarily brought down because Experian decides to do so on their own. My credit rating needs to accurately reflect the accounts I have, when I make payments, and show how I use credit. Not punish me for paying my credit cards on time. Since I use my credit responsibly, have NO DEBT and never go above 3 % usage of my available credit, my credit report and score should be in the XXXX by now. So, this unfair and illegal practice of theirs needs to stop.
Consumer complaint received 2023-03-23
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. (MN)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX Balance {$4500.00}
Consumer complaint received 2022-10-29
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: Experian Information Solutions Inc. (IL)

XXXX, XXXX, and Experian have ruined my credit by using student loans that are deferred since covid hit. My addresses arent correct which there is no way to dispute that i can find. They will not allow me to dispute any inaccuracies in my accounts. There are several accounts not even listed on my credit report. All three credit reports are not even close to the same. This is why i believe these agencies are working for the companies and sure dont care about the consumer. This is biggest scam ive ever seen on keeping the average citizen down. Heres a thought, how about you teach this in highschool. Ive never ever had anyone explain this to me ever. The process to even dispuye anything is so complicated that its in the companies favor so much so that this should be illegal! I want to write a letter to Congress. I cant even get a loan to buy a {$18000.00} that is worth XXXX when i make XXXX something is really wrong with that. you cant ever fix your credit once you XXXX it up. its not possible.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (FL)

I received a promotional offer from Citibank to open a " Citi Accelerate Saving Account ''. I opened a new Citi account on XX/XX/XXXX with a ACH transfer of {$28000.00} from XXXXXXXX XXXX XXXX and received a confirmation email on that date. Citibank credited the account XX/XX/XXXX. I received another email from Citibank thanking me " for enrolling in the Citi Accelerate High-Yield Savings Tiered Bonus Offer ''. This email explained the details of the offer : $ XXXX {$49000.00}. = {$150.00}. Bonus ; {$50000.00}. or more = {$450.00}. Bonus. I had 20 days to fund the account. An additional {$25000.00}. was transferred XX/XX/XXXX bringing a balance of {$53000.00} meeting the requirements for a {$450.00}. bonus to be earned after maintaining that balance for 60 days. This account satisfied all requirements and still remain with Citibank. I began calling Citibank in XX/XX/XXXX. I had several issues getting access to this account. I kept being told the the matter would be resolved. XXXX XXXX I received a letter from Citibank indicating no such offer was ever made to me in conjunction to my account. In response to that letter, I called on XX/XX/XXXX. Their Representative found the Promotion, would credit {$450.00}. to the account and make Interest adjustments back to XX/XX/XXXX. I called Citibank XX/XX/XXXX and XX/XX/XXXX with no results.
Consumer complaint received 2021-02-01
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. (MA)

Im little concerned about your METHOD of INVESTIGATION into these 2 accounts shown below. There is no way that these 2 accounts ( Charge-off / Collecitons ) were ever investigated by your company. For example, it continues to report different dates of last active, dates of last reported, dates of last opened, different dates of 1st delinquencies, etc. IT continues to report misleading, incomplete, and unverifiable data, and therefore, its illegally causing this account to re-aged and its in violations of consumer laws like fdcpa, fcra, etc. You can not reported them as such, especially with these inconsistencies on report. Its my understanding under the provisions of the laws that a collection account is by default is LATE and PAST due and it can not be reported a such. Its reporting in violations! Also, I didnt received any IRS notification for 1099c for those charge off account and it continues to report questionable balance, and account status was NEVER updated. I demand an immediate deletion on this account now. THANK YOU! YOURE THE ONLY CRA THATS REPORTING THIS ALLEDGED DEBT! .DELETE!
Consumer complaint received 2023-01-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (NY)

This past summer, I received physical mail informing me of a promotional offer regarding opening a Wells Fargo checking account. 
Wells Fargo offered a {$320.00} bonus in exchange for opening an account and meeting the below qualifications : 1. Opening the account using their promotional link as found in my letter 2. Opening the account by XX/XX/XXXX XXXX. Connecting a direct deposit and depositing $ XXXX within three months I met all of the above requirements. I contacted Wells Fargo after meeting the requirements and they asked me to wait until the 3 months had passed for the bonus to deposit. The 3 months came and went but no bonus was deposited. 

I have since spent at least 10 hours on numerous occasions throughout XXXX and XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) on the phone with Wells Fargo customer service, in an online chat with their customer service, and to top things off, they asked me to come into a physical Wells Fargo location where they assured me they would be able to take care of this matter but did not - complete waste of my time. 

They have now closed my case claiming there was no promotional offer found on my account and that I must not have used their promotional link. I absolutely did. The link was " XXXX XXXX' and I would not have signed up for an account without ensuring I used their link. 

This is actually the second time Wells Fargo has reneged on a sign-up bonus. I had a similar experience opening up a credit card with them a couple of years ago and I was hesitant to now sign up for this offer as well, only for my fears to be confirmed.
Consumer complaint received 2023-03-22
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: SYNCHRONY FINANCIAL (TX)

I CHECKED MY CREDIT REPORT AND SEEN THAT SOMEONE HAS BEEN APPLYING FOR CREDIT AND I HAVE NO KNOWLEDGE OF THIS AT ALL AND I ALSO HAVE IDENTITY THEFT ON MY CREDIT REPORT FOR FRAUD.             Inquiry date
XXXX XXXX XXXX
Removal date
XXXX XXXX
Additional details
Business type
Finance, personal
Contact info
Address
XXXX XXXX XXXX XXXXOHXXXX
Phone number
XXXX XXXX
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Bank of America, Has closed my account and now they are giving me a hard time by trying to harass me. They are re opening it without my knowledge and is leaving me a balance on my account?? what is going on?
Consumer complaint received 2022-06-24
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: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX and I have recently been a victim of identity theft. Someone stole and fraudulently applied for lines of credit with credit grantors without me knowing. the following accounts are a result of the identity theft. 
XXXX Opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX Opened XX/XX/XXXX XXXX {$0.00} US DEPT OF EDXXXX Opened XX/XX/XXXX XXXX {$210000.00} US DEPT OF ED/XXXX Opened XX/XX/XXXX XXXX {$240000.00}.
Consumer complaint received 2022-10-09
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: General Motors Financial Company, Inc. (FL)

I have attached history of disputes with this place/organization These are the Dispute Report Numbers which can be verified with the credit bureaus. 

Disputes go as back as last year XXXX XXXX XXXX Under FCRA 623 ( a ) ( 3 ), FDCPA 807 ( 8 ) " if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Therefore, a furnisher can still provide a consumers credit information that is in dispute, but it must clearly state to the credit reporting agency that the information provided is being disputed. 

They have failed to state this on any of my reports therefore violating my rights. 

No proof of ownership, late payments or any at all has been provided as proof. 

Copies of reports will be attached. 

Each report will show failure to report account under dispute as of my rights on FCRA ( a ) ( 3 )
Consumer complaint received 2021-01-20
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)

Experian and XXXX have been given dispute letters contesting Bankruptcies reporting on to the credit report. 
XXXX/Experian are reporting a false address as current address.
Consumer complaint received 2020-12-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

I was trying to call PayPal due to problem I was having. An XXXX  seller shorted me {$21.00} from a refund. A purchase price of {$200.00} less a refund from the seller of {$180.00}. 
I XXXX  PayPays phone number. The number I found was in XXXX, Texas, XXXX XXXX. 
I reached a person that called himself, XXXX XXXX. Since I initiated the call to PayPal I did what XXXX XXXX instructed me to do. 
He said he needed verification of my XXXX  XXXX XXXX XXXX transfer account. 
I followed his instructions and entered an email address of XXXX. 
I asked why Im entering this email and once again he said he needed verification. 
He then said to enter the amount of my refund of {$200.00}. I kept asking him why am I entering an amount and an email when PayPay owes me a refund. He said that the amount would not be deducted from my account. Ten minutes later he said the amount was accidentally sent threw and deducted from my account. 
I filed a fraud claim for {$200.00} through XXXX  XXXX XXXX XXXX department on XX/XX/2020, the day this transaction took place.
Consumer complaint received 2021-02-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/2020 I received a letter dated XXXX XXXX 2020, stating that my account would be closed. After careful review from the Fraud Department it has been determined that nothing ill was found and any remaining balance would be refunded in the form of a check mailed to current billing address. 

Account summary shows that a closing debit of {$3900.00} on XX/XX/ 2020. And account has been fully closed. But I have yet to recieve my balance check. And after many calls to the company I've been meet with nothing but resistance.
Consumer complaint received 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Law Offices of Robert S. Gitmeid & Associates, PLLC (MN)

Hello. I hope you can help me! In XXXX, XXXX, I contracted with Gitmeid XXXX to help me restructure and pay off debts. At this time we had accumulated lots of medical debt, and my husband had lost his job and had to retrain for a new career. We were desperate and under the impression that filing bankruptcy would keep my husband from getting a job in the new field he had just trained in ( also the reason this debt restructuring was done in my name only ).

Gitmeid XXXX has collected {$810.00} per month and that money has gone into an account which they use to pay off creditors XXXX of course they keep fees too ). Two of the three debts I enrolled were negotiated and paid off by Gitmeid XXXX - but I am having trouble with the last amount of debt. 

My account at Gitmeid XXXX has {$8800.00} in it, and my last debt is in the amount of {$23000.00}. Gitmeid XXXX is pressuring me by repeatedly asking me to pay another {$790.00} per month, through XX/XX/XXXX. If I do this, I will have paid {$23000.00} to settle a debt of {$23000.00}. I realize they need to make a profit, but this seems much too high. I have asked them to get me a better deal but they keep telling me this is the best they can do. 

My contract ( with Gitmeid ) says I can cancel at any time, however, my research indicates they will keep the {$8800.00} that is in my account - and ( probably ) keep taking money out of my checking account each month ( unless I close it ).

Gitmeid XXXX claims they are offering to settle my debt for {$14000.00} - but they are not taking into account all the money already paid by me that is in their account for me ( {$8800.00} ). In order for this to be true, I would only need to pay another {$5400.00} ( not an additional {$14000.00} ) Can you help me get Gitmeid to try and settle after maybe another 6 months of payments? These payments have kept my family broke ( my husband is out of work right now and I am XXXX ). I paid a larger amount this month ( {$3000.00} ) because Gitmeid had told me that - if I made a larger payment - my debt would be settled sooner. 

Please let me know if I have any options to get out from under this. 

Thank you for your help!
Consumer complaint received 2022-07-31
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. (NJ)

i HAVE BEEN REQUESTING THAT THE BUREAUS REMOVE NEGATIVE ITEMS THAT AREN'T REPORTING CORRECTLY SINCE XX/XX/XXXX i AM LISTING THE ISSUES BELOW XXXX XXXX - REPORTS THAT THE CREDIT LINE IS SUSPENDED ON XXXX AND EQUIFAX. XXXX REPORTS THAT I WAS LATE. i HAVE PAID ON TIME AND THEY WON'T SEND ME PAPERWORK PROVING OTHERWISE. XXXX HAS XXXX MARKED LATE IN XXXX OF XXXX AND SO DOES XXXX. EACH BUREAU HAS A DIFFERENT DATE LAST ACTIVE. EQUIFAX MARKED ME LATE XXXX OF XXXX AND THEY MARK THE DATE LAST ACTIVE AS XX/XX/XXXX. THIS SHOULD NOT BE ON MY REPORT. ANOTHER XXXX XXXX XXXX - XXXX MARKS ME LATE " 2 OR 3 TIMES '' WHICH IS AMBIGUOUS AND NOT ALLOWED TO BE REPORTED THAT WAY. THEY REFUSE TO INVESTIGATE OR CORRECT IT. XXXX HAS NEVER INVESTIGATED THIS ITEM. XXXX HAS NEVER INVESTIGATED THIS ITEM. EQUIFAX REPORTS THIS WITH CURRENT AND POSITIVE PAYMENTS AND IT'S CLOSED. THEY REPORT THE DATE LAST ACTIVE AS XX/XX/XXXX. XXXX XXXX XXXX HAS THE DATE LAST ACTIVE LISTED AS XX/XX/XXXX, XXXX REPORTS XX/XX/XXXX AND EQUIFAX REPORTS POSITIVE AND CURRENT PAYMENTS AND IT'S A CLOSE ACCOUNT. THIS IS INACCURATE AND SHOULD NOT BE ON MY REPORT. THE BUREAUS ARE REFUSING TO CORRECT AND REMOVE THIS INACCURATE INFORMATION.
Consumer complaint received 2020-12-19
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. (MI)

On XX/XX/2020, I sent a letter regarding unknown and inaccurate items that were on my credit report. After at least 60 days ( about 70+ now ), I still haven't heard anything back. Absolutely No Response. I feel like I am being ignored or taken advantage of in regards to the disputes. I have studied and according to section 611 ( a ) it is clearly stated that a failure to investigate these items gives a reason to delete these items WITHIN 30 DAYS and to be taken off of my credit report. Now, that at least 70 days have passed they need to be deleted immediately. Therefore, I demand that these items be removed from my account right away or I WILL begin litigation because this has exhausted me to my wits end and you have caused me a lot of stress. Not to forget to mention, I was hugely affected by the data breach involving XXXX and now I am fearful because my records are possibly in the hands of the wrong person. This is a serious matter.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On this account XXXX XXXX XXXXXXXX there To Whom It May Concern, First off, I would like to take this opportunity to thank you for the excellent service I have experienced as a consumer. I have been a very loyal consumer, and I am in need of your assistance. I am writing in regard to the above-referenced account and transactions. Somehow, someone illegally obtained my credit card information, thus delay in payment was caused by fraud. I always try my best to pay your company in time, but this time my payment was late by I am sincerely sorry for the delay in payment, and I apologize for any inconvenience or frustration this caused you. While I take full responsibility for my mistake, I would like to assure you that this was a last- time error on my part, and I ensure that this does not happen again. I would really appreciate if you would kindly understand my situation and excuse me for late payments ). I am asking your company for a goodwill request, please eliminate late payments ) with the credit bureau ( s ) by filling out Universal Data Form and faxing it to the credit bureau ( s ) that you report to.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-02-21
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  T XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX M XX/XX/XXXX XXXX M XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CRED XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX