davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

This new complaint is related to CFPB complaint # XXXX that I placed recently on XX/XX/XXXX because on late XX/XX/XXXX I summit a complain through Experian Web Site against XXXX XXXX  XXXX XXXX XXXX because they fixed an error on my credit report with XXXX and XXXX on XX/XX/XXXX but never fixed with Experian. 
This irresponsible bank has the opportunity to fix an old error but decided to see this as a frivolous complain and never pay attention also Experian just resolved something that it was wrong. 
It is hard to believe that XXXX XXXX  XXXX XXXX XXXX fixed an error on my XXXX and XXXX credit report but not with Experian! 
Please CFPB help Experian to investigate a little more about the complaint that they receive everyday, because they have a big responsibility on create or not problems to the consumers. 
Thank you very much!
Consumer complaint received 2024-12-02
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Lockhart, Morris & Montgomery Inc. (TX)

This company continues to add and then delete and then add and then delete from my credit report. I believe this is harassing and it needs to stop. I will provide information proving that this is happening. If they're going to put it on my collection and leave it until it goes off but they shouldn't continue harassing me.
Consumer complaint received 2020-01-18
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: AES/PHEAA (FL)

I attended XXXX XXXX XXXX XX/XX/XXXXfor summer and fall sessions. I moved from XXXX to XXXX Florida for a family emergency in XX/XX/XXXX. I never received any emails or forwarded mail about my payments or when they would be do. I check my credit periodically and noticed in XX/XX/XXXX that they hit my credit score saying that my payments were late by 120 days and 90 days. I immediately called them and explained the situation and they stated that they could not take it off my credit. I have submitted multiple disputes but none will go through. I have showed that I make all of my payments on time and plan to continue to make them until the loan is paid off.
Consumer complaint received 2020-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Credit card account closed by company. Remaining balance paid in 4 payments XX/XX/XXXX ( {$420.00} ) XX/XX/XXXX ( {$410.00} ) XX/XX/XXXX ( {$420.00} ) XX/XX/XXXX ( {$410.00} ). 
Account was overpaid, company notified ( XX/XX/XXXX ) and confirmed the overage. Informed me that it would take 45 days to refund the overage. As of today, no refund of the overage but received a letter today ( XX/XX/XXXX ) from their Executive office saying it would be investigated. 

phone numbers contacted : XXXX ( XXXX XXXX XXXX ( XXXX ) gave me another employee name ( XXXX ) as my contact point ... ..he was gone from the office.
Consumer complaint received 2020-02-11
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. (NY)

I recently applied for a credit card backed by XXXX XXXX. I noticed they pulled my Transunion credit as well as XXXX. I thought it was odd but didn't realize how they obtained my XXXX data until XX/XX/2020 when I pulled my free annual Transunion report. At the bottom of the Transunion report there is a section for Third Party Supplemental Information. There is data from 3 companies listed : XXXX, XXXX and XXXX XXXX XXXX XXXX. These 3 companies have nothing to do with credit cards and loans. Further they are not used in computing my XXXX or XXXX credits scores. They have no bearing on my credit information, hence the reason for my complaint today. Please do everything within your power to advocate for myself or anyone else experiencing this problem with Transunion, and get Transunion to stop reporting this data about me or anyone else. I'm sure most people do not even realize Transunion is selling this data about us.
Consumer complaint received 2019-11-26
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. (LA)

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2019-02-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (FL)

Previously, contact was made with Diversified Consultants Inc in regards to a XXXX Account XXXX. I have sent letters and requests that they validate, not verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. All I receive from Diversified Consultants is copies of old bills as their form of validation which does not sufficiently prove that I am obligated to pay them anything. They have reported delinquent and incorrect information that I am asking to be removed.
Consumer complaint received 2019-02-17
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. (GA)

This on responds of a previous complaint to credit reporting agencies, who has refused to block information place on my credit file, I have filed an FTC complaint, and i'm sending my ID, SS, and a utility bill probing my identity and ones more requesting the block of items that do not belong to me. 
I hope these are sufficient proof to place a block, let me know if you need anything else. 

Thank you.
Consumer complaint received 2019-02-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (FL)

Received an alert today XX/XX/XXXX XXXX increase on car loan. Spoke to rep she said I have a daily rate that has to be paid. I said my payment t is not due till the XX/XX/XXXX and I was granted the approval from XX/XX/XXXX to XX/XX/XXXX. She said I dont have a 10 day late fee policy I have a daily late fee and I signed for it. I told her I never signed anything stating I would pay a daily late fee for nothing. I purchased my car XXXX XXXX XXXX XX/XX/XXXX and have ever been late. This is Usuary!!!!!! 
Not only did they grant me a extension to make my car payment a certain date now the have added a loan increase of XXXX just reported to credit bureaus. I want this loan released from them or refinance the right way.
Consumer complaint received 2019-02-17
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: ID Analytics, Inc. (NJ)

My credit was used without my permission. This was fraud committed by XXXX XXXX  XXXX XXXX XXXX XXXX. I did not purchase a car from this car dealership. The dat was XX/XX/2019. The reference number is XXXX. The loan company is XXXX XXXX.
Consumer complaint received 2020-02-12
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. (NJ)

My XXXX credit account was in collections I was XXXX and they listed it as 30 days late for 12 month while I was away. I disputed this account as inaccurate and should be closed because I paid the balance once I was back and they reported it as paid and closed. My recent dispute with Equifax to have the account closed since it has been well over seven years XXXX listed my account as collection for the past 2 plus years when it was reported as paid on the report months prior that is fraud.
Consumer complaint received 2019-11-05
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. (OH)

I have been hit with identity theft both from the dark net, and from credit card breaches that occurred at both XXXX and XXXX XXXX, so I keep a close eye on my credit score. On XX/XX/2019, I noticed a few creditors had appeared that I either had not done business with or were reported incorrectly on my credit bureau through Equifax. Those accounts are : - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX I sent Equifax a letter on that same day XX/XX/2019, through certified mail with a signature return receipt ( attached to this complaint ). 

On XX/XX/2019, I received a letter from Equifax stating that they updated all XXXX of the accounts, and that all 5 of them remain on my credit report ( attached ). Then on XX/XX/2019, I sent Equifax another letter through certified mail with a signature return receipt XXXX attached ) asking them to either provide proof of their verification method in accordance with federal law, or to delete these incorrectly reported items from my credit report. 

On XX/XX/2019, Equifax sent me a letter ( attached ) stating that they have reviewed the re-investigation, and determined that these accounts will remain on my credit file. They did not provide any proof of how they verified these XXXX accounts listed on my credit report. Then, on XX/XX/2019, I sent Equifax a final letter ( also attached ) via certified mail with a signature return receipt. This letter was to give them notice that they are violating 15 USC 41, 1681i ( a ) ( 2 ) ( B ), and that they were to provide me with their method of verification of these creditors or delete these items from my credit report. I also informed Equifax in my letter that I intended to file a complaint if they did not comply with their requirements in reporting accurate information on my credit report. 

So finally, on XX/XX/2019, Equifax sent me another letter stating that they verified the information on my credit report, but again provided no method of verification that they used. As of right now, these 5 items remain on my credit report and need to be removed.
Consumer complaint received 2020-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

Ref : XXXX XXXX Acct # XXXX ; XXXX XXXX , XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , NY XXXX Dear Sir/Madam : This is a formal complaint against Citibank . I received a Promotion Letter letter dated XX/XX/XXXX from a Ms. XXXX XXXX, US Head of Small Business, Citibank, NA, directed to my company XXXX XXXX, offering {$1000.00} to move {$50000.00} to Citibank and get better everyday banking. The fine print says The cash bonus for which you qualify will be credited to your account within ninety days from the end of the month in which you complete all Offer requirements. 
On XX/XX/XXXX, my firm opened an account at the XXXX Branch and deposited the sum of {$52000.00}. The Citibank employee was a Mr. XXXX. On XX/XX/XXXX, I visited the bank to determine the status of the promotional bonus offer by the Bank, Needless to say, confusion and ignorance surrounded the matter, and it was obvious it was a Citibank scam. Today, XX/XX/XXXX, now 6 months, with {$52000.00} idling at Citibank, the Promotional Bonus has not been paid. Two days ago, I received one of a series of form letters, all signed Sincerely Citibank Business Operations, stating that my inquiry is under investigation, etc. etc. 
For the few of us that pay attention, and after witnessing the XXXX XXXX scam, resulting in that CEO being banned from banking for life, big banks see their current banking methods shunned by big business, are actively targeting small business and the Consumer with these deceptive and dishonest tactics to generate business. Citibank has now gone from Predator to Parasite. The XXXX office functions like a social service office with sign-in and sit-and-wait to deal with people who have no decision authority on any matter. As in the XXXX XXXX case, the deceptive practices are executed with ambiguity and dishonesty. Citibank should be investigated for its deceptive and dishonest banking methods. 
I want Citibank to investigate and fulfil the promise inherent in their promotional letter to my firm. I would refrain for notifying the Office of the Comptroller of this matter, in anticipation of the prompt correction of this deceptive tactic. 

Yours Truly, XXXX XXXX XXXX XXXX XXXX, Pres & CEO Citigroup Inc . 
XXXX XXXX US Head of Small Business Citibank, N.A
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (MA)

XXXX double credited my account on XX/XX/XXXX and I didnt pay the {$7900.00} additional charge as it was their mistake. I stopped using the XXXX card immediately because of this and because of how horrific their Customer Service is. XXXX refused to fix their mistake until XX/XX/XXXX and in turn, my credit score went from XXXX to XXXX because I did not pay my credit card bill for 2 cycles ( the only charge on my card was XXXX XXXX double credit of {$7900.00} as I stopped using the card after this happened ). After they resolved this and removed the charge 2 months later, they said I must contact Experian to bring my credit score back to what it was. I contacted Experian but they would not change my credit score as they said they contacted XXXX and all of the information is accurate. I will include the dispute letter from XXXX explaining that this was their error, and a photo of my Fico score dropping due to their mistake. Please fix this ASAP and bring my credit score back to XXXX. Thank you.
Consumer complaint received 2020-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (GA)

Discover stole {$2000.00} out of my bank account on the same day that I paid them another {$2000.00} payment. They never returned it. They never credited my account.I called them and spent 14 hours trying to get them to fix this. I have bank statements showing the money that they stole from me. Then they destroyed my credit and it is still destroyed due to their lies to the credit agencies. I have sent them all the proof. They have done nothing. I am in serious financial trouble because of them alone. On XX/XX/2018, I transferred the balance of {$12000.00} to Discover Card. On XX/XX/2018 I paid Discover the final payment I owed for a total of {$12000.00}. I was never late. Enclosed is a statement from Discover and bank statements showing eight payments made : XX/XX/18 : {$360.00} XX/XX/18 : {$300.00} XX/XX/18 : {$3000.00} XX/XX/18 : {$300.00} XX/XX/18 : {$2000.00} XX/XX/18 : {$2000.00} XX/XX/18 : {$2000.00} XX/XX/18 : {$2200.00}
Consumer complaint received 2019-02-17
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. (FL)

I am a XXXX  employee affected by XXXX XXXX XXXX. I spoke with the loss mitigation department and was granted an extension to XX/XX/2019 to make my loan payment. I had money to pay my credit card and line of credit which is the issue I made a XXXX payment XX/XX/2019 and was reported as late and delinquent to the creditors bureau in spite of them knowing I a XXXX  employee that was documented in the system. I have spoken to the bank and they said they would dispute it and correct this it has been 30 days and it still reflects delinquent on my credit file. This is a travesty that I have 4 accounts with this bank and they extended the loan but I told them I will pay the line if credit of XXXX dollars and they report me 30 60 90 days late when that is not accurate. I want the delinquent remark removed.
Consumer complaint received 2019-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (SC)

Several XXXX serviced accounts went delinquent XX/XX/XXXX and stayed delinquent until XX/XX/XXXX. 

As of XX/XX/XXXX these should no longer have been reported as delinquent due to the statute of limitations. 

I disputed this information several times with the CRA and XXXX then changed the information to make it appear more recent. 

This is classic case of an unfair and deceptive trade practice. I have applied for a loan and if my interest rate is directly affected due to this false information, I will sustain an financial injury to which I will be owed damages. 

This must be removed IMMEDIATELY.
Consumer complaint received 2019-02-17
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: REGIONS FINANCIAL CORPORATION (FL)

I am a XXXX XXXX affected by government shut down. I spoke with the loss mitigation department and was granted an extension to XX/XX/2019 to make my loan payment. I had money to pay my credit card and line of credit which is the issue I made a XXXX payment XX/XX/2019 and was reported as late and delinquent to the creditors bureau in spite of them knowing I a XXXX XXXX that was documented in the system. I have spoken to the bank and they said they would dispute it and correct this it has been 30 days and it still reflects delinquent on my credit file. This is a travesty that I have 4 accounts with this bank and they extended the loan but I told them I will pay the line if credit of XXXX dollars and they report me 30 60 90 days late when that is not accurate. I want the delinquent remark removed.
Consumer complaint received 2019-02-17
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: AMERICAN EXPRESS COMPANY (CA)

I submitted my information on American Express site and received a pre-qualified offer for XXXX points for spending {$5000.00} in 3 months on the American Express Platinum card. I was approved for the card and started using it immediately back in XXXX. I spent the $ XXXX in the first month, but after 3 months I noticed the points weren't there. I contacted Amex and they opened an investigation but said it could take up to 2 months. I just contacted them again and they are saying I'm not eligible for the bonus because their backend team says that it said on my screen that I wasn't eligible for the bonus. First off, this is completely false as I never saw anything on my screen saying I wasn't eligible when I applied. Secondly, this wasn't a public offer, I submitted information and was provided this pre-qualified offer of the higher XXXX point bonus ( I have attached a screenshot of the offer I received ). I'm completely in awe that Amex would make something like this up to not give me the bonus. They haven't provided any proof, they just make a claim and can pull this off.
Consumer complaint received 2019-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

After having paid off loan 1-02 Direct Loan - Unsubsidized on XXXX for {$1600.00}, I called customer service to have my autopay loan 1-07 DL Consolidated - Unsubsidized payment adjusted to match what it had been in prior months. Every month that I finish paying off one of my loans, Navient will change the amount of the autopay being paid to the higher interest loans and always in their favor. For example, instead of adjusting the payment schedule on the lower interest loans, they always short the highest interest loans. 

When they finally adjusted the payment allocation correctly to loan 1-07 DL Consolidated - Unsubsidized in XXXX, they opened one of my paid off loans ( 1-02 Direct Loan - Unsubsidized ) and added a principal balance of {$110.00}. How is it possible that after I have paid off a loan in totality can they reopen the loan to add back principal when I have other loans that are still outstanding that they can adjust? 

This is a monthly occurrence with Navient and they have abused their role as a student loan service provider.
Consumer complaint received 2019-02-17
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: SYNCHRONY FINANCIAL (TN)

XXXX had an error in their system. Section 6-11 specifically indicates during reinsertion they have to legally give a 5 day notification and this didnt happen. I informed customer service that I was a victim of their inquiry issues and they wouldnt take care of it. 

Please see the following inquires down below that Im requesting to be removed immediately. 

Syncb/JcPenny XXXX-XXXX  Fl XXXX Inquiry XX/XX/XXXX Syncb-XXXX, Fl XXXX Inquiry XX/XX/XXXX XXXX/XXXX XXXX, SD XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX Inquiry XX/XX/XXXX XXXX  XXXX XXXX , CA XXXX Inquiry XX/XX/XXXX XXXX/XXXX XXXX XXXX-XXXX, OH XXXX Inquiry XX/XX/XXXX Syncb/XXXX-XXXX, Fl XXXX Inquiry XX/XX/XXXX XXXX XXXX-XXXX, MD XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX , DE XXXX-Inquiry XX/XX/XXXX
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (NY)

Since XX/XX/2019 I've had a closed account for the amount of {$2600.00} and $ XXXX   monthly payment with Navy Federal Credit Union and its been closed for over 60 plus  days. Navy Federal is still reporting inaccurate information about about me i.e late payments and an open account. This is fraud, identity theft and sabotage to me and my family and its also ruining my credit.